DSA’s policy with USSIC covered “direct physical loss of or damage to [the] aircraft caused by an accident while the aircraft [was] not in motion,” subject to exclusions. One exclusion denied coverage for loss or damage resulting from embezzlement, conversion, or secretion by anyone to whom DSA had relinquished possession. The policy defined “accident” as “a sudden event during the policy period, neither expected nor intended by [the insured], that involves [the] aircraft and causes physical damage to or loss of the aircraft during the policy period.” The policy did not define “sudden event” or “direct physical loss.”