Which of the following would NOT be covered under a typical Ocean Marine policy?

The correct answer is that a vessel owner sustaining a financial loss due to government confiscation is typically not covered under a standard Ocean Marine policy. Ocean Marine insurance primarily protects against risks associated with shipping and maritime operations, such as damage to the vessel or its cargo due to perils like storms, theft, and other maritime risks.

However, losses resulting from government actions or confiscation usually fall outside the scope of standard marine policies. The reason for this exclusion is that governmental confiscation is often linked to legal or regulatory issues, which are generally not insurable risks under ocean marine policies.

In contrast, the other options fall well within the intended coverage of most Ocean Marine insurance policies. Recovering a sunken vessel, covering stolen cargo, and damage to a ship's hull during a storm all represent typical marine risks that the policy is designed to address.