What does an inland marine cargo insurance policy typically exclude?

Inland marine cargo insurance policies are designed to cover goods while they are being transported over land or while in transit. Typically, these policies provide coverage for various types of cargo against damage or loss during transit.

The correct choice regarding what an inland marine cargo insurance policy typically excludes is domestic shipments. Inland marine coverage is primarily focused on international shipments, which often include risks not typically covered under standard domestic cargo policies. Domestic shipments are usually covered under standard marine cargo insurance or other types of property insurance, where the risks may be different.

Perishable goods, while representing a unique risk, are often included in some inland marine policies depending on the specific terms of coverage. Therefore, inland marine cargo insurance does not fundamentally exclude them outright; rather, the coverage may depend on the conditions agreed upon in the policy.

Overall, the distinction lies in the scope and intent of the policy. Inland marine insurance is structured primarily for specific types of transport risks generally associated with international shipping and specialized goods, while domestic shipments are more comprehensively addressed in standard property insurance policies.