What is an example of a peril of the sea?

A peril of the sea refers to specific risks associated with maritime operations that can result in physical damage to a vessel, cargo, or the ship’s crew due to natural sea conditions. High waves, storms, and rough waters can create overwhelming forces that may cause a vessel to capsize or suffer significant damage, making this scenario a quintessential example of a peril of the sea.

In this context, the event of a vessel capsizing due to high waves directly ties into the hazards experienced at sea, associated with the natural behavior of water. Such perils are inherent to maritime navigation and shipping, which is why they are covered under marine insurance.

Other scenarios presented, while they involve ships or cargo, do not arise from the natural conditions of the sea. For example, lightning striking a ship, although dangerous, represents an environmental hazard but is not categorized specifically as a maritime peril. A ship being lit on fire while docked involves risks unrelated to marine operations; rather, they pertain to fire safety and shore operations. Lastly, cargo being stolen in transit is related to theft and security issues rather than perils specifically linked to the marine environment. Therefore, the situation that embodies a true peril of the sea is the capsizing of a vessel due to high waves