Similar to common marine policies and auto policies (make sure to review your specific policy as they can vary), the marine policy typically covers the vessel from the moment it enters the water. Land coverage applies while on roads. The brief transition window — backing down a ramp, entering the water — is generally covered under whichever policy is contextually appropriate. Work with your broker to confirm there are no gaps. In practice, we haven’t seen coverage disputes during transition; the policies complement each other. Consult your broker or policy for guidance or clarification.