Ocean marine insurance traditionally provides several distinct coverages. Which of the following is NOT one of the four classic ocean marine coverages?
a.Cargo coverage (goods being shipped)
b.Protection and Indemnity (the shipowner's liability)
c.Workers' compensation for non-maritime office staff
d.Hull coverage (the vessel itself)
Explanation
The four traditional ocean marine coverages are Hull (the vessel), Cargo (goods being shipped), Freight (the income from carrying cargo), and Protection & Indemnity (the shipowner's liability for bodily injury, property damage, and certain crew claims). Workers' compensation for office staff is a separate, statutory line — not an ocean marine coverage.
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