What are perils of the sea?

Perils of the sea refer specifically to natural events and hazards that can occur while navigating or operating vessels in ocean waters. This includes risks such as storms, rough seas, high winds, and other maritime threats that may affect a ship's safety and the security of cargo.

This understanding is crucial in the insurance industry, particularly in marine insurance, where coverage typically protects against the losses that may occur due to these natural maritime events. Recognizing the scope of perils of the sea allows insurance representatives and customers alike to understand the types of risks that are insured and the specific conditions under which claims can be made.

The other options touch upon relevant topics but do not accurately define perils of the sea. For example, while storms that cause property damage on land are related to severe weather, they do not pertain specifically to maritime activities. Similarly, risks associated with shipping cargo via air are unrelated to sea vessels, and accidents occurring in harbors or marinas might involve different types of insurance considerations as they do not reflect the broader scope of risks encountered while at sea.