What is generally excluded under Inland Marine policies?

Inland Marine policies are designed to cover a wide range of property, typically associated with transportation and certain movable goods. However, certain risks and types of loss are commonly excluded from these policies to streamline coverage and limit liability.

Collision is related to loss or damage that can occur when a vehicle or other object strikes another object. This type of risk is generally not covered under Inland Marine policies because it falls under the purview of auto insurance or other specific liability coverages rather than property insurance. Inland Marine policies focus more on personal property in transit or certain types of movable property tied to specific activities, rather than vehicle-related incidents.

In contrast, options like indirect loss refer to secondary consequences that may arise from a primary loss event and can sometimes be included, depending on the specifics of the policy. Government action, which may involve confiscation or destruction of property by a governmental authority, is typically excluded in many insurance policies but isn't as directly related to the inherent nature of the transportation and movable object focus of Inland Marine coverage. Nuclear hazard is a well-defined exclusion found in many types of insurance policies, including Inland Marine, due to the unpredictable and catastrophic nature of nuclear events, but it doesn't directly relate to the transportation aspect of Inland Marine.

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