Charger Robert McNair and his son James are merchants involved in the trade of sugars and other materials to and from the West Indies. For this trade, James traveled from Scotland to Barbados, and back and forth between Barbados and Virginia. Robert McNair obtained an insurance policy from suspenders James Coulter and John Cross for James McNair's trip from Barbados to Virginia on June 25, 1750. The cargo contained corn, pork, livestock, and other goods. The ship was lost near Bermuda on July 2, 1750, but James McNair and the crew survived. Coulter and Cross allege that McNair overstated the value of the cargo on board. They also allege that James McNair purposely wrecked the ship to fraudulently obtain the insurance proceeds.