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Insurance is a contract, represented by a coverage, during which an individual or entity receives financial protection or reimbursement against losses from an insurance coverage company. The company swimming pools shoppers’ dangers to make funds extra inexpensive for the insured. Marine insurance and marine cargo insurance coverage cowl the loss or injury of vessels at sea or on inland waterways, and of cargo in transit, regardless of the technique of transit. Many marine insurance coverage underwriters will embody “time element” coverage in such policies, which extends the indemnity to cowl loss of profit and other enterprise expenses attributable to the delay brought on by a lined loss.