The open-peril coverage of inland marine policies is generally subject to exclusions of damage caused bywear and

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The open-peril coverage of inland marine policies is generally subject to exclusions of damage caused bywear and tear, gradual deterioration, insects, vermin, and inherent vice. For what reason are these causes of loss excluded?

Are these causes of loss uninsurable or, in your opinion, are they excluded for some other reason?

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