This insurance policy covers the perils, losses and damages due to perils of the seas, rivers, lakes or other navigable waters, fire and explosion, violent theft by outside persons: Jettison or Piracy, contact with land conveyance, dock or harbor equipment or installation , earthquake, volcanic eruption or lightning , accidents in loading, discharging or shifting cargo or fuel, bursting of boilers, breakage of shafts or any latent defect in the machinery or hull, negligence of Master Officers, Crew or Pilots, negligence of repairers or charterers, barratry of Master Officers or crew Contact with aircrafts, helicopters or similar objects, or objects falling there from, salvage charges when general average is declared