What kind of insurance policy offers coverage for damage done to a boat but excludes coverage for any transported cargo?

A specific policy is designed to cover a particular type of insurance need, focusing on particular risks or assets. In the case of a boat insurance policy, it specifically provides coverage for physical damage to the boat itself while excluding coverage for items, such as cargo, that are being transported. This tailored approach ensures that the premium and coverage limits align directly with the needs of boat owners, protecting them against specific perils related to their vessels.

While comprehensive policies typically provide broader coverage for multiple risks and liabilities, they often include coverage for cargo or personal property unless expressly excluded. Liability policies primarily focus on third-party claims and may not cover physical damage to the boat itself. Business personal property policies cover property owned by a business and would not be suitable for the specific needs of boat insurance. Therefore, the specific policy is the most appropriate choice for insuring a boat and excluding cargo.