In plain English
FAR 52.247-23, Contractor Liability for Loss of and/or Damage to Household Goods, is a contract clause prescribed at FAR 47.207-7(e), most recently dated Jan 1991. The complete official text is reproduced below, verbatim, from GSA's published FAR source files.
Its text contains no sentence requiring insertion into subcontracts; see the flowdown section below for what that does and does not mean.
Does it flow down to subcontracts?
No flowdown mandate found in the clause text
We scanned the full clause text and found no sentence directing the contractor to insert this clause into subcontracts. That is a statement about the text, not legal advice: a prime contractor may still flow terms down contractually, an agency supplement (DFARS, VAAR, …) may add requirements, and clauses listed below (if any) may order this clause into subcontracts from the outside.
Where it's prescribed
As prescribed in 47.207-7(e), insert the following clause:
Prescribing reference: FAR 47.207-7(e).
The official text, verbatim
As prescribed in 47.207-7(e), insert the following clause:
Contractor Liability for Loss of and/or Damage to Household Goods (Jan 1991)
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(a) Except when loss and/or damage arise out of causes beyond the control and without the fault or negligence of the Contractor, the Contractor shall be liable to the owner for the loss of and/or damage to any article while being-
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(1) Packed, picked up, loaded, transported, delivered, unloaded, or unpacked;
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(2) Stored in transit; or
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(3) Serviced (appliances, etc.) by a third person hired by the Contractor to perform the servicing.
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(b) The Contractor shall be liable for loss and/or damage discovered by the owner if written notice of such loss and/or damage is dispatched to the Contractor not later than 75 days following the date of delivery.
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(c) The Contractor shall indemnify the owner of the goods at a rate of ___ cents per pound per article.
(End of clause)