Arkansas Insurance Adjuster Practice Exam

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Which of the following would NOT be covered under a typical Ocean Marine policy?

  1. A lightning strike that damages the vessel's communication system.

  2. A fire in the galley that spreads to the sleeping quarters.

  3. Robbery of the vessel's cargo by pirates.

  4. Financial loss when the vessel is confiscated by the government.

The correct answer is: Financial loss when the vessel is confiscated by the government.

Ocean Marine insurance specifically covers physical damage or loss to a vessel, cargo or freight while in transit over water. Option D, financial loss due to confiscation by the government, would not fall under this category as it does not involve physical damage or loss to the vessel or its contents. Options A, B, and C are all examples of potential hazards or events that could occur while a vessel is at sea and would be covered under a typical Ocean Marine policy.

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