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Richard Bache (1737–1811), born in Settle, Yorkshire, England, immigrated to Philadelphia, in the colony of Pennsylvania, where he was a businessman, a marine insurance underwriter, and later served as head of the American Post Office.
Ultimately, the National Association of Insurance Commissioners regulated the situation, adopting a Nationwide Marine Definition in 1933 which laid out what types of property were eligible for "inland marine" insurance coverage.
Appellants J.F. Wilburn, J. H. Wilburn, and L. G. Wilburn and, The Wilburn Boat Company, and Oklahoma based corporation, obtained a marine insurance policy from the Fireman’s Fund Insurance Company for liability coverage for fire among other things, of a vessel called the Wanderer.