In Joe's Ocean Marine Policy, what clause would cover damage to another boat if Joe collides with it?

The Running Down Clause is specifically designed to cover damages incurred when a vessel collides with another vessel, which aligns with the scenario involving Joe’s Ocean Marine Policy. This clause provides liability coverage for damages that the insured party is legally obligated to pay due to such collisions. It addresses the responsibilities of the insured for damages caused to third-party vessels, ensuring financial protection against claims resulting from an accident.

In contrast, the Cargo Coverage Clause focuses on protecting the goods and cargo on board the insured vessel, rather than addressing liability for damages to other boats. Liability Coverage Clause, while it may seem relevant, typically covers legal responsibilities arising from bodily injury or property damage caused by the insured’s operations or use of the vessel. The Collision Coverage Clause would provide coverage for damages to the insured’s own boat in the event of a collision, not damages to another boat. Thus, the Running Down Clause is the most appropriate choice for covering Joe's liability in the event of a collision with another boat.