In the case of De Livio v. Boit, 2 Galliston, Mass., Federal Case No. 3776 (1812), it was held that insurance is a maritime contract, therefore, of Admiralty Jurisdiction.

A person's involvement in Maritime Law (communal credit of the Tontine, HJR 192) means you are on a voyage and hopefully it will be successful (gambling) and you will make a profit. Under limited liability for the payment of debt, the limited liability is provided by the insurance premiums you tender (your taxes).