When is personal property not considered wet marine transportation insurance?

Personal property is not considered wet marine transportation insurance when it has been transported solely by hand. This is significant because "wet marine insurance" specifically relates to the transportation of goods over water, which involves risks associated with marine voyages. The term "wet" signifies coverage for maritime shipping activities, and it encompasses the perils related to water transport.

Transportation solely by hand indicates that the property has not been exposed to these marine risks during transit. Since wet marine transportation insurance covers specific risks encountered during maritime transport—like those stemming from the sea, such as sinking, collision, or other maritime perils—moving property by hand does not involve these risks and therefore does not fall under the definition of wet marine insurance.

In contrast, the other scenarios presented would still be linked to marine activities or risks. Property damaged during transit (whether by land or sea) still potentially engages the umbrella of marine risks if there's a water component. Unpaid policyholders may not have coverage issues, but the items are still insured under the wet marine context. Shipping internationally can certainly involve marine risks and thus retains relevance to wet marine transportation insurance.