Divinia Chronicles Relics of Gan-Ti Fitgirl Repack

Divinia Chronicles Relics of Gan-Ti Fitgirl Repack Free Download PC Game

Divinia Chronicles Relics of Gan-Ti Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install Divinia Chronicles Relics of Gan-Ti Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download Divinia Chronicles Relics of Gan-Ti Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download Divinia Chronicles Relics of Gan-Ti igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

Divinia Chronicles Relics of Gan-Ti for Android and iOS?

Yes you can download Divinia Chronicles Relics of Gan-Ti on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Divinia Chronicles Relics of Gan-Ti

Now to download and Install Divinia Chronicles Relics of Gan-Ti for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

  1. First you have to download Divinia Chronicles Relics of Gan-Ti on your PC.Now to download this awesome game scroll down and then click on the download.
  2. Now the download page will open.There you have to login .Once you login the download process will starts automatically.
  3. If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
  4. Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING Divinia Chronicles Relics of Gan-Ti Download

Screenshots  (Tap To Enlarge)

 Now if you are interested in the screen shots then tap down on the picture to enlarge them.

Divinia Chronicles Relics of Gan-Ti free Download PC Game

Divinia Chronicles Relics of Gan-Ti free download PC game is an awesome action game before you download this awesome game let me tell you gameplay and a honest review on Divinia Chronicles Relics of Gan-Ti.

Divinia Chronicles Relics of Gan-Ti download of gone key and this is an RPG inspired by the old classic super nes games and we’re going to go ahead and take a look at this RPG and see if it’s worth your 1499 in american money and we’ll do that right after this you.That’s how you say it I’m not sure hopefully that’s right but this isn’t early access RPG looks to be pretty cool we’re going to go ahead and lowers music volume for sure nor the game volume I’m you guys can hear my voice and a video yep screen .I should work why some of these games always default to such a ah that looks so much better now this is a single player game .I don’t know why it says multiplayer here but attack mouse button one block right mouse button evade is alt combat focus tab spell one two and three zoom in and out is a mouse wheel so evade is all huh okay interesting wonder if I can change.

That because I’m not really liking that Divinia Chronicles Relics of Gan-Ti igg games they don’t have like cutie set to anything huh let’s go ahead and change that here because all this kind of hard for me to get here I’m like let’s go cue and we have another one there we needed combat focus let’s make that check ki f ok so now combat focus is an F and a vide is Divinia Chronicles Relics of Gan-Ti 2019 .

Alright let’s go ahead and jump into this game and try this game out chapter a new start difficulty normal that sounds fine level one sure hopefully I didn’t set the resolution too big so everything’s up in the top left now hopefully it fills the screen here we go alright long time ago when civilizations were still great in the world was full of technology ancient Lords looked into legends of a powerful force believed to be the origin of life they called this God though modern civilizations know it as davinia the ancient sought to utilize gone as a weapon in doing so the perverse intentions spawned the malagant ghanti or anti-life infusing gone T and artifacts the ancient King he’s the dark power to rule the pandaren arch peligo with iron fists alright a pretty game cute eventually rebellion arose and the order of the arch t vs formed of the most noble warriors to the free people they managed to capture the relics of Gandhi and cast them into the fiery pits of Mount Tsui asst on the island of Oria with the evil power of the relic suppress the monsters that terrorize the countryside were vanquished and the evil Lords were overthrown peace had come well we know that’s not the end of it none dared venture to the mount.

In the following years and tales of Terror arose around the ominous peak the order of arch keepers withdrew and became a legend itself and though none knew of its origins people began to hear word of a mystical gone Grove within the world with a World Tree at its centre a symbol of peace and prosperity ooh that sword yet the wises have always been watching fearful of an eruption at Mount su vyas to release the relics can the world withstand the return of such evil it can if I’m playing by God or you be sure to chase you guys want to get this game be sure you check out the description below I will have a link right to this team page where you can buy this game again it’s 1499 and American money.There is no discount its first week on Steam and again this is an early access game so expect bugs expect it to be you know not complete a new chapter is about to be ready all right now there’s a good thing about this game the thing that really sold me was not only art style the graphics but also the fact that it is not an online requirement you don’t have to be connected online to play the game it is a single player game and hopefully it’s a good RPG we’ll find out.

Hopefully that’s what this video will start to find out and if you guys want to see me play the whole game threw it out to the end definitely leave in the comments below let me know what you want you know what you want to see if I make a mistake if I do something wrong I do it a lot of these games you know I don’t make the wisest choice or whatever I take a path that maybe I should have taken let me know you know let me know if I don’t have the best item equipped whatever it is all right now it’s the little village not too big looks a little bit smaller than New York City just a little bit i could probably skip all this but i’m gonna go ahead with the gameplay is that me that’s not me where am I I must be this soldier dude over here it’s a nice day right better here watching a past and working on the farm good thing your grandpa takes long naps uh okay all right I guess it’s a nice view Lloyd but what I would give to be out there seeing the rest of Orient’s that are being holed up in math and I wonder what the inside of the castle oreck looks like maybe your grandpa can take us one day.

My mom told me to my mom told me the watch captain would visit him when she was little really he never told me anything like that I thought he was just a farmer yeah whoa wait Cyrus cuz what do you think you two are doing sorry my girls voice is not the bad guys um we’re on break from work Leona yeah mom what Cyrus said oh that’s mom okay as if I can hear your grandpa calling you from here ah man I’m in for it now catch you later Lloyd I hope you don’t get whipped.Cyrus go see your grandfather all right so we got a first quest find her grandfather looks like tutorial movement WASD gamepad I don’t need a gamepad torial to camera Mouse will and you can use the gamepad if you guys want to using a troller tutorial jump space and user talk as e ok all I can kind of see how I’m see-through if I’m too close to school I like that I got 30 health points by whatever your name is oh I like the movement nice yeah joe yeah what else did .

I want to try this a veto of a don’t work all right hi mom yeah how are you mom Cyrus I can hear the voice of your grandpa through the cave it must be something important we grandpa get you nothing with the mushrooms hey grandpa hell I’ll look at that dust grandpa where are you you old man Gramps ok Gramps mathan or is it muffin i would say mathan am can jump up there yay oh I can’t use the pumpkin all right let’s find grandpa he’s got to be in here grandpa you getting drunk again I’m really sorry I was slacking grandpa so there is I’ve had you most of your life I’ve always been patient with you my boy but you’re too but you’re far too old to be dabbling carelessly when, there’s work to be done the time has truly come for you to grow up what do you mean well no I don’t suppose well perhaps it’s best.

Take the little trip and I show you but first you’ll need to get something for me return to town and find elder Daniel tell them I said the time has come huh all will be clear in due time a boy don’t dawdle and don’t get Lloyd on the way this is for you alone Cyrus get your budget town and find elder Divinia Chronicles Relics of Gan-Ti all right another new quest mission as we might say well no I don’t suppose well perhaps it’s best we take a little trip and I show you but first you’ll need to get something for me return to town and fight an elder Daniel tell them why I said the time has come I’ll be clear in due time a boy all right RPGs you can usually get crap but I can’t see anything that I can get yet all right well I guess town is back through the tunnel huh we jump the sign nope you do you do there’s a sound let pass through the tunnel it’s like a roar don’t get Lloyd he said hi chickens hey chickens yeah that’s cool I was wondering if they do that it freaking out that’s awesome all right hey I’ll grab stick told me not clothed chickens to is Lloyd in here I’m just I’m not Lloyd but uh whoever Daniel there’s really nothing to show you where to go I actually like that I actually like the fact it doesn’t have arrows telling you where to go you kind of got to explore and find things so many of these RPGs.

Nowadays they like show you or have a you know glowing path right where you need to go or whatever and yeah mom do you know where that no I guess the look you’re a big help mom under this oak has life grown a new episode free to sit down nope Daniel where are you Divinia Chronicles Relics of Gan-Ti fitgirl.Right here these doors are locked it’s probably more obvious than what I’m try to make it probably more obvious than what I’m trying to make it guys probably back here something yeah that’s probably him right there brother Daniel or whoever you are you got your brother Daniel you know you can’t leave the village Cyrus you have no business anywhere but here well that’s not him out of there ah brother Daniel terrace don’t you want some help sometime every time I see you’re not doing anything useful .

If you’re not brother Daniel I remember the hell I’m looking for damn it Beavis right aha must be an eerie up another old man my leaves look at that boy goofing off again come here brother Daniel or whoever you are something Daniel Oh what do you want now boy do you and Lloyd cook it up another foolish story of a two-headed rooster terrorizing your farm oh come on you didn’t find that funny huh yes not ok ok my grandpa sent me here to tell you the time has come or something what’s that supposed to mean oh oh well well you had better hurry then hurry for what into hollers quarter grandpa’s wet terrace I was only a little older than you when your grandfather showed up with his title to the fields on the other side of the tunnel which he turned into his farm the elder at the time was bilking and he made it clear that none of us should ask any questions about who he was or where he came from only after i became elder that old Halldor come to me and divulge his identity his identity what are you talking about perhaps I speak too much into the corridor bo.

I’m told there’s at least one puzzle in there to test your wits ah you’re not gonna give me a sword or nothing you’ll bastard the hell loading huh I do like the art style of this game in the controls and everything like that work great I mean wasd e and moving the mouse to turn pretty simple use nothing Oh puzzle here we go buttons good okay wait a minute here hmm jump jump well poop that’s not it wait a minute okay so we got our torches that’s a clue that’s not right oops okay so this one first then that one nope that turned it all off get this one then this one damn it this one this one got to be this one here we go oh you piece of crap this one this one this one this one there we go first puzzle solved hopefully they don’t get a hell of a lot more difficult or I’ll be stuck there for like three hours ooh look at the rock over that floating kind of jump on it zacks through 99 quit being silly you know you can’t jump on that but I can cross this path it’s over here look how party that is people all right I wonder if I can fall off I’m gonna try falling off days oh I can’t fall off that’s cool okay we ought you’d love I’ll let you fall a little bit more no fine fall through the clouds before I die I’m disappointed I’m gonna refund this game.

I’m just kidding people all right so what’s the point of all this like a maze a labyrinth nothing up here huh ok go this way then ooh what’s over here besides the sofa to selling it’s an interesting park bench all right which way now no not that way not that way either oh where do I go do I have to jump yeah nope well crud a lot.

That was all on how to download and install Divinia Chronicles Relics of Gan-Ti Fitgirl repack free download PC game if you have any question related to this awesome topic then feel free to ask down below in the comment section.Also if you like Divinia Chronicles Relics of Gan-Ti fitgirl then feel free to share it with your friends.

 

The Insurance Society of New York

The Insurance Society of New York
The Insurance Society of New York

The subject of insurance forms is such an exceedingly broad one, that it will be impossible in an address such as this to do more than touch upon it in a general way, and direct attention to some of the more important forms, which, although in general use, may possess features which are not fully understood.
The best form, whether viewed from the standpoint of the insurance company or the insured, is a fair form, one which expresses in clear, unambiguous language the mutual intention of the parties, and affords no cause for surprise on the part of either, after a loss has occurred. But the prepara¬ tion of such a form is not always an easy task, and it is right at this point that the ability of the broker and the underwriter come into play.
A distinguished Englishman declared that the English Constitution was the greatest production that had ever been conceived by the brain of man, but it was subjected to the most scathing criticism and violent assaults by Bentham, the great subversive critic of English law. Twenty-five years ago the New York Standard Policy was prepared by the best legal and lay talent in the insurance, world, and the greatest care was taken to present not only a reasonable and fair form of contract between the insurer and the insured, but one which could be easily read and understood.
While no such extravagant claims have been made for the Standard Policy as were made for the “Matchless Con-maximum of loss collection with a minimum of co-insurance or other resistance than a present day broker, he has not yet been discovered.
The ornate policies in use thirty years ago, with no uniformity in conditions, with their classification of hazards which no one could understand and their fine print which few could read, have given way to plainly printed uniform Standard Policies with materially simplified conditions. But the written portion of the insurance contract owing to our commercial and industrial growth, instead of becoming more simple, has taken exactly the opposite direction, and we now have covering under a single policy or set of policies, the entire property of a coal and mining company, the breweries, public service or traction lines of a whole city and the fixed property, rolling stock and common carrier liability of an entire railroad system involving millions of dollars and con¬ taining items numbering into the thousands. This forcibly illustrates the evolution of the policy form since the issue of the first fire insurance contract by an American company one hundred and sixty years ago, in favor of a gentleman bearing the familiar name of John Smith, covering
“500 £ on his dwelling house on the east side of King Street, between Mulberry and Sassafras, 30 feet front, 40 feet deep, brick, 9-inch party walls, three stories in height, plas¬ tered partitions, open newel bracket stairs, pent houses with board ceilings, garrets finished, three stories, painted brick kitchen, two stories in height, 15 feet 9 inches front, 19 feet 6 inches deep, dresser, shelves, wainscot closet fronts, shingling 1-5 worn.”
It will be observed that in the matter of verbiage this primitive form rivals some of our present day household furniture forms and all will agree that this particular dwelling might have been covered just as effectually and identified quite as easily without such an elaborate description.
Any one who has an insurable interest in property should be permitted to have any form of contract that he is willing to pay for, provided it is not contrary to law or against public policy, and judging from a contract of insurance issued by a certain office not long ago the insuring public apparently has no difficulty in securing any kind of a policy it may desire at any price it may be willing to pay. The contract in ques¬ tion was one for £20,000, covering stock against loss from any cause, except theft on the part of employes, anywhere in the Western Hemisphere, on land or water, without any con¬ ditions, restrictions or limitations whatsoever, written at less than one-half the Exchange rate in the insured’s place of business. An insurance agent upon being asked whether he thought it was good, said that if the company was anywhere near as good as the form, it was all that could be desired, but vouchsafed the opinion that it looked altogether too good to be good.

The Insurance Society of New York
The Insurance Society of New York

In these days we frequently find concentrated within the walls of a single structure one set of fire insurance policies covering on building, another on leasehold interest, another on rents or rental value—and in addition to this, policies for various tenants covering stock, fixtures, improvements, profits and use and occupancy, subject to the 100% average or co-insurance clause, to say nothing of steam boiler, casualty and liability insurance, thereby entirely eliminating the ele¬ ment of personal risk on the part of the owners, and produc¬ ing a situation which will account in some measure for the 17,000 annual fire alarms and $15,000,000 fire loss in New York City; $230,000,000 annual fire loss in the country at large, and for the constantly increasing percentage of cases where there are two or more fires in the same building and two or more claims from the same claimant.
The most common and perhaps least understood phrase found in policies of fire insurance is what is known as the “Commission Clause,” which reads “his own or held by him in trust or on commission or sold but not delivered” or “re¬ moved.” This clause in one form or another has been in use for many years, and it was originally the impression of un¬ derwriters that owing to the personal nature of the insurance contract a policy thus worded would simply cover the prop¬ erty of the insured and his interest in the property of others, such as advances and storage charges, but the courts have disabused their minds of any such narrow interpretation and have placed such a liberal construction upon the words “held in trust” that they may be justly regarded as among the broadest in the insurance language and scarcely less com¬ prehensive than the familiar term “for account of whom it may concern”; in fact, the principles controlling one phrase are similar to those governing the other.
It has been held that whether a merchant or bailee has assumed responsibility, or agreed to keep the property cov¬ ered or whether he is legally liable or not, if his policies contain the words “held in trust,” the owner may, after a fire, by merely ratifying the insurance of the bailee, appro¬ priate that for which he paid nothing whatever and may file proofs and bring suit in his own name against the bailee’s insurers. Nor is this all, for in some jurisdictions, if the bailee fails to include the loss on property of the bailor in his claim against his insurers, or if he does include it and the amount of insurance collectible is less than the total loss, the bailee may not first reimburse himself for the loss on his own goods and hold the balance in trust for the owners, but must prorate the amount actually collected with those own¬ ers who may have adopted the insurance, although, if he has a lien on any of the goods for charges or advances, this may be deducted from the proportion of insurance money due such owners The phrase “for account of whom it may concern” was formerly confined almost entirely to marine insurance, but in recent years there has been an increasing tendency to intro¬ duce it into policies of fire insurance.
All authorities are agreed that the interests protected by a policy containing these words must have been within the contemplation of him who took out the policy at the time it was issued. It is not necessary that he should have in¬ tended it for the benefit of some then known and particular individuals, but it would include such classes of persons as were intended to be included and who these were may be shown by parol. The owners or others intended to be cov¬ ered may ratify the insurance after a loss and take the bene¬ fit of it, though ignorant of its existence at the time of the issuance of the policy, just the same as under the term “held in trust.”
The words “for account of whom it may concern” are not limited in their protection to those persons who were concerned at the time the insurance was taken out, but will protect those having an insurable interest and who are con¬ cerned at the time when the loss occurs. They will cover the interest of a subsequent purchaser of a part or the whole of the property and supersede the alienation clause of the policy (U. S. S. C.), Hagan and Martin vs. Scottish Union and National Ins. Co., 32 Ins. Law Journal, p. 47; 186 U. S. 423).
A contract of insurance written in the name of “John Doe & Co. for account of whom it may concern” should contain a clause reading “Loss, if any, to be adjusted with and payable to John Doe & Co.,” not “loss, if any, payable to them” or “loss, if any, payable to the assured,” as forms sometimes read.
Policies are frequently written in the name of a bailee covering “On merchandise, his own and on the property of others for which he is responsible,” or “for which he may be liable”—and it has been held that’the effect of these words is to limit the liability of the insurer to the loss on the assured’s own goods and to his legal liability for loss on goods belonging to others, but the words “for which they are or may be liable” have been passed upon by the Supreme Court of Illinois, and they have been given an entirely dif¬ ferent interpretation. That tribunal in the case of The Home Insurance Company vs. Peoria & Pekin Union Railway Co. (28 Insurance Law Journal, p. 289; 178 Ills. 64) decided that the words quoted were merely descriptive of the cars to be insured; that the word “liable” as used in the policy did not signify a perfected or fixed legal liability, but rather a con¬ dition out of which a legal liability might arise.
As illustrative of its position the court said that an assignor of a negotiable note may, with no incorrectness of speech, be said to be liable upon his assignment obligation is not an absolute fixed legal liability but is con¬ tingent upon the financial condition of the maker; and ac¬ cordingly held that the insurance company was liable for loss on all the cars in the possession of the railroad company, notwithstanding the fact that the latter was not legally liable to the owners.
In view of the exceedingly broad construction which the courts have placed upon the time honored and familiar phrases to which reference has been made, it is important for the party insured, whether it be a railroad or other transportation company, a warehouseman, a laundryman, a tailor, a com¬ mission merchant or other bailee, to determine before the fire whether he desires the insurance to be so broad in its cover as to embrace not only his own property and interest, but also the property of everybody else which may happen to be in his custody; if so, he should be careful to insure for a sufficiently large amount to meet all possible co-insurance conditions,, and if he wishes to make sure of being fully reimbursed for his own loss, his only safe course is to insure for the full value of all the property in his possession.
At this point the inquiry which naturally presents itself is, how should a policy be written if a merchant, warehouse¬ man or other bailee desires to protect his own interest but not the interest of any one else? The following form is suggested: “On merchandise his own, and on his interest in and on his legal liability for property held by him in trust or on commission or on joint account with others, or sold but not removed, or on storage or for repairs, while con¬ tained, etc.” This will, it is believed, limit the operation of co-insurance conditions and at the same time prevent the owners from adopting, appropriating or helping themselves to the bailee’s insurance, for which they pay nothing and to which they are not equitably entitled.
Many of the household furniture forms now in use, in addition to embracing almost every conceivable kind of per¬ sonal property except that specifically prohibited by the pol¬ icy conditions, are also made to cover similar property be¬ longing to any member of the family or household, visitors, guests and servants.
This form would seem to indicate considerable ingenu¬ ity on the part of the broker, broad liberality on the part of the insurance company and commendable generosity on the part of the insured, and the latter would probably feel more than compensated by being able to reimburse his guest for any fire damage he might sustain while enjoying his hospi¬ tality, but the amount of insurance carried under such a form should anticipate the possibility of his having a number of guests at one time and a corresponding increase in the value at risk.
It must be borne in mind that in localities where co- insurance conditions prevail the value of property belonging

Tools Up! Fitgirl Repack

Tools Up! Fitgirl Repack Free Download PC Game

Tools Up! Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install Tools Up! Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download Tools Up! Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download Tools Up! igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

Tools Up! for Android and iOS?Tools Up! Fitgirl

Yes you can download Tools Up! on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Tools Up! Fitgirl

Now to download and Install Tools Up! for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

  1. First you have to download Tools Up! on your PC.Now to download this awesome game scroll down and then click on the download.
  2. Now the download page will open.There you have to login .Once you login the download process will starts automatically.
  3. If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
  4. Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING Tools Up! Download

Screenshots  (Tap To Enlarge)

 Now if you are interested in the screen shots then tap down on the picture to enlarge them.

Tools Up! Free Download PC Game

Now let me give you a honest review on Tools Up! free download PC Game its an awesome game to play.We will also provide you a direct link to download this awesome game.

Tools Up! download: Hey are you looking to play with friends locally maybe wanting something a bit more offline you know focused on the couch well we’re here to give you 10 of our favorite local couch co-op games of all time now there are plenty more out there these are just our favorites so we’re looking forward to hearing yours in the comments also know that we stuck to more modern games older more retro games we might cover in another video down the line but hey anyway let’s get started off with number 10 and talk about the Gears of War series.You know the whole thing may be notably 2 & 4 depending on your tastes really gear zuv wars defining third-person gameplay was really really good for playing with friends you know like I said I don’t need to call out any games local co-op in particular I’d say – and more recently for especially come to mind though but really Gears of War systems of shooting cover and reviving especially really complement playing together especially with a nice split-screen implementation Gears hasn’t never really been a very vertical game and having chunky beefy characters meant everyone had decent enough screen real estate and I know that sounds silly but it made all the difference when you had a very small TV .
Just really props to the games in general for making sure to have a well-done drop in drop out co-op campaign every time loved it for that and then once horde mode was introduced hell yeah man but next at number 9 let’s talk about the borderlands games.
Another serious Tools Up! fitgirl repack pre sequel all of them Borderlands is probably one of the best co-op shooters out there playing Borderlands was basically like the same as chilling in a chat room with some friends except you were also shooting psychos and collecting really cool guns I honestly think that’s what made Borderlands so cool the fact that it was a social experience online and it paved the way for games like destiny not just in terms of gameplay but also just how it acts as like a hangout games like Borderlands destiny in the division where you’re kind of just doing the same thing over and over again and grinding kind of forces you to get into a routine like to the point.Where you can run certain things with your eyes closed the borderland games have that same appeal but why we’re talking about them is the added benefit of doing it on the couch as long as both of you are avid Borderlands players you can sit down on a couch and play for hours and hours while also being able to just kind of Yap and eat chips and talk about whatever so many games now are about the thrill of the grind whether you like it or not but border was the one to keep that on the couch and we appreciate that local stuff now exit number eight if we’re talking about entire series that lend themselves well to couch co-op online stuff.
We got to mention the Lego game some of each one whatever franchise it’s based on bring something new to the table and they’re just fun simple games that have a little something for everyone Lego Harry Potter is cool Lego Indiana Jones was a good time and the newer DC Lego stuff is fun and innovating with character creation the Marvel stuff lets you play as a million Tools Up! torrent download characters but goddamn when you mention a lego game you know you’re really talking about Lego Star Wars the swapping characters on the fly using your specific abilities to help one another going around smashing bricks like crazy they’re just using blasters and lightsabers to kill each other the Lego games are all so fun with friends maybe even a younger friend if you have one they have just such a good balance of goofy jumpy floaty light-hearted fun with a little bit of light puzzle and problem solving and a bunch of chaos thrown in and that’s just best experience with someone else dropping in on the couch whether it’s spider-man and Wolverine Jurassic Park characters Hermione and Ron or Anakin and Padme it was always just a really damn good time and believe it or not most of them have actually aged pretty well too next up in number 7 we have Resident Evil 5.
Now while it is the game that started to change the series more into that like hall action game thing less of a survival horror game it was still a solid entry for a lot of folks one of the things that made it really cool though was the fact that the whole game could be played in co-op the game was built with co-op in mind like the scenarios where Chris and Sheva got separated you can tell the devs had caught up in mind when making this game I’d go as far as to say that this game is better played through co-op I’ve run through the campaign so many so many times because it’s just a really good one you think the tension of survival horror anxiety would evaporate in a game that takes place mostly during the day and you’re not alone you got your friend with you but still they nailed it .
You get overwhelmed items would be scarce and it just all worked if you’ve never ran through this with a friend you definitely still should especially for that over-the-top ridiculous ending now next at number 6 let’s talk about army of – this was a very very 360/ps3 era game this 2008 co-op heavy third shooter let you jump into the boots of too chunky smack-talking mercenaries and it was just so so fun Salem and Rios are still awesome the premise was simple just good old-fashioned third-person shooting action shoot terrorists as two heavily armed dudes with scary masks the game was actually pretty creative and how you played together there was a fist pump high-five button you could go back-to-back and spin around shooting up an entire room and the agro system the game was heavily focused on one character playing aggressively to draw all the heat towards his direction while the other character could get strategic and reposition it was a really really fun. Mechanic believe it or not and that let you and a friend really talk through your play experience instead of just blindly endlessly shooting a little communication goes a long way and while it’s still a guns blazing game brewing through the creative team up additions here made the game that much better also don’t play the third one that wasn’t very good now coming in at number five we had Helldivers for those that may not know Helldivers is a top-down twin-stick shooter where you play as cool-looking stormtrooper looking dudes whose jobs it is to murder bad aliens I promise that’s that’s the best way to describe it what’s really interesting though about Helldivers is how the couch co-op works yeah there’s your basic couch co-op like two people sitting on a couch playing on the console but Helldivers did something that was pretty cool on ps4 Helldivers was cross-platform with the Vita shout-out to the Vita rest in peace so you could be sitting on the couch playing Helldivers with a friend sitting next to you on their Vita .
That was all on Tools Up! fitgirl Repack any question related to this topic then feel free to ask down below in the comment section.If this tutorial helped you in any way then feel free to share it with your friends.

The Insurance Society of New York

The Insurance Society of New York
The Insurance Society of New York

The subject of insurance forms is such an exceedingly broad one, that it will be impossible in an address such as this to do more than touch upon it in a general way, and direct attention to some of the more important forms, which, although in general use, may possess features which are not fully understood.
The best form, whether viewed from the standpoint of the insurance company or the insured, is a fair form, one which expresses in clear, unambiguous language the mutual intention of the parties, and affords no cause for surprise on the part of either, after a loss has occurred. But the prepara¬ tion of such a form is not always an easy task, and it is right at this point that the ability of the broker and the underwriter come into play.
A distinguished Englishman declared that the English Constitution was the greatest production that had ever been conceived by the brain of man, but it was subjected to the most scathing criticism and violent assaults by Bentham, the great subversive critic of English law. Twenty-five years ago the New York Standard Policy was prepared by the best legal and lay talent in the insurance, world, and the greatest care was taken to present not only a reasonable and fair form of contract between the insurer and the insured, but one which could be easily read and understood.
While no such extravagant claims have been made for the Standard Policy as were made for the “Matchless Con-maximum of loss collection with a minimum of co-insurance or other resistance than a present day broker, he has not yet been discovered.
The ornate policies in use thirty years ago, with no uniformity in conditions, with their classification of hazards which no one could understand and their fine print which few could read, have given way to plainly printed uniform Standard Policies with materially simplified conditions. But the written portion of the insurance contract owing to our commercial and industrial growth, instead of becoming more simple, has taken exactly the opposite direction, and we now have covering under a single policy or set of policies, the entire property of a coal and mining company, the breweries, public service or traction lines of a whole city and the fixed property, rolling stock and common carrier liability of an entire railroad system involving millions of dollars and con¬ taining items numbering into the thousands. This forcibly illustrates the evolution of the policy form since the issue of the first fire insurance contract by an American company one hundred and sixty years ago, in favor of a gentleman bearing the familiar name of John Smith, covering
“500 £ on his dwelling house on the east side of King Street, between Mulberry and Sassafras, 30 feet front, 40 feet deep, brick, 9-inch party walls, three stories in height, plas¬ tered partitions, open newel bracket stairs, pent houses with board ceilings, garrets finished, three stories, painted brick kitchen, two stories in height, 15 feet 9 inches front, 19 feet 6 inches deep, dresser, shelves, wainscot closet fronts, shingling 1-5 worn.”
It will be observed that in the matter of verbiage this primitive form rivals some of our present day household furniture forms and all will agree that this particular dwelling might have been covered just as effectually and identified quite as easily without such an elaborate description.
Any one who has an insurable interest in property should be permitted to have any form of contract that he is willing to pay for, provided it is not contrary to law or against public policy, and judging from a contract of insurance issued by a certain office not long ago the insuring public apparently has no difficulty in securing any kind of a policy it may desire at any price it may be willing to pay. The contract in ques¬ tion was one for £20,000, covering stock against loss from any cause, except theft on the part of employes, anywhere in the Western Hemisphere, on land or water, without any con¬ ditions, restrictions or limitations whatsoever, written at less than one-half the Exchange rate in the insured’s place of business. An insurance agent upon being asked whether he thought it was good, said that if the company was anywhere near as good as the form, it was all that could be desired, but vouchsafed the opinion that it looked altogether too good to be good.

The Insurance Society of New York
The Insurance Society of New York

In these days we frequently find concentrated within the walls of a single structure one set of fire insurance policies covering on building, another on leasehold interest, another on rents or rental value—and in addition to this, policies for various tenants covering stock, fixtures, improvements, profits and use and occupancy, subject to the 100% average or co-insurance clause, to say nothing of steam boiler, casualty and liability insurance, thereby entirely eliminating the ele¬ ment of personal risk on the part of the owners, and produc¬ ing a situation which will account in some measure for the 17,000 annual fire alarms and $15,000,000 fire loss in New York City; $230,000,000 annual fire loss in the country at large, and for the constantly increasing percentage of cases where there are two or more fires in the same building and two or more claims from the same claimant.
The most common and perhaps least understood phrase found in policies of fire insurance is what is known as the “Commission Clause,” which reads “his own or held by him in trust or on commission or sold but not delivered” or “re¬ moved.” This clause in one form or another has been in use for many years, and it was originally the impression of un¬ derwriters that owing to the personal nature of the insurance contract a policy thus worded would simply cover the prop¬ erty of the insured and his interest in the property of others, such as advances and storage charges, but the courts have disabused their minds of any such narrow interpretation and have placed such a liberal construction upon the words “held in trust” that they may be justly regarded as among the broadest in the insurance language and scarcely less com¬ prehensive than the familiar term “for account of whom it may concern”; in fact, the principles controlling one phrase are similar to those governing the other.
It has been held that whether a merchant or bailee has assumed responsibility, or agreed to keep the property cov¬ ered or whether he is legally liable or not, if his policies contain the words “held in trust,” the owner may, after a fire, by merely ratifying the insurance of the bailee, appro¬ priate that for which he paid nothing whatever and may file proofs and bring suit in his own name against the bailee’s insurers. Nor is this all, for in some jurisdictions, if the bailee fails to include the loss on property of the bailor in his claim against his insurers, or if he does include it and the amount of insurance collectible is less than the total loss, the bailee may not first reimburse himself for the loss on his own goods and hold the balance in trust for the owners, but must prorate the amount actually collected with those own¬ ers who may have adopted the insurance, although, if he has a lien on any of the goods for charges or advances, this may be deducted from the proportion of insurance money due such owners The phrase “for account of whom it may concern” was formerly confined almost entirely to marine insurance, but in recent years there has been an increasing tendency to intro¬ duce it into policies of fire insurance.
All authorities are agreed that the interests protected by a policy containing these words must have been within the contemplation of him who took out the policy at the time it was issued. It is not necessary that he should have in¬ tended it for the benefit of some then known and particular individuals, but it would include such classes of persons as were intended to be included and who these were may be shown by parol. The owners or others intended to be cov¬ ered may ratify the insurance after a loss and take the bene¬ fit of it, though ignorant of its existence at the time of the issuance of the policy, just the same as under the term “held in trust.”
The words “for account of whom it may concern” are not limited in their protection to those persons who were concerned at the time the insurance was taken out, but will protect those having an insurable interest and who are con¬ cerned at the time when the loss occurs. They will cover the interest of a subsequent purchaser of a part or the whole of the property and supersede the alienation clause of the policy (U. S. S. C.), Hagan and Martin vs. Scottish Union and National Ins. Co., 32 Ins. Law Journal, p. 47; 186 U. S. 423).
A contract of insurance written in the name of “John Doe & Co. for account of whom it may concern” should contain a clause reading “Loss, if any, to be adjusted with and payable to John Doe & Co.,” not “loss, if any, payable to them” or “loss, if any, payable to the assured,” as forms sometimes read.
Policies are frequently written in the name of a bailee covering “On merchandise, his own and on the property of others for which he is responsible,” or “for which he may be liable”—and it has been held that’the effect of these words is to limit the liability of the insurer to the loss on the assured’s own goods and to his legal liability for loss on goods belonging to others, but the words “for which they are or may be liable” have been passed upon by the Supreme Court of Illinois, and they have been given an entirely dif¬ ferent interpretation. That tribunal in the case of The Home Insurance Company vs. Peoria & Pekin Union Railway Co. (28 Insurance Law Journal, p. 289; 178 Ills. 64) decided that the words quoted were merely descriptive of the cars to be insured; that the word “liable” as used in the policy did not signify a perfected or fixed legal liability, but rather a con¬ dition out of which a legal liability might arise.
As illustrative of its position the court said that an assignor of a negotiable note may, with no incorrectness of speech, be said to be liable upon his assignment obligation is not an absolute fixed legal liability but is con¬ tingent upon the financial condition of the maker; and ac¬ cordingly held that the insurance company was liable for loss on all the cars in the possession of the railroad company, notwithstanding the fact that the latter was not legally liable to the owners.
In view of the exceedingly broad construction which the courts have placed upon the time honored and familiar phrases to which reference has been made, it is important for the party insured, whether it be a railroad or other transportation company, a warehouseman, a laundryman, a tailor, a com¬ mission merchant or other bailee, to determine before the fire whether he desires the insurance to be so broad in its cover as to embrace not only his own property and interest, but also the property of everybody else which may happen to be in his custody; if so, he should be careful to insure for a sufficiently large amount to meet all possible co-insurance conditions,, and if he wishes to make sure of being fully reimbursed for his own loss, his only safe course is to insure for the full value of all the property in his possession.
At this point the inquiry which naturally presents itself is, how should a policy be written if a merchant, warehouse¬ man or other bailee desires to protect his own interest but not the interest of any one else? The following form is suggested: “On merchandise his own, and on his interest in and on his legal liability for property held by him in trust or on commission or on joint account with others, or sold but not removed, or on storage or for repairs, while con¬ tained, etc.” This will, it is believed, limit the operation of co-insurance conditions and at the same time prevent the owners from adopting, appropriating or helping themselves to the bailee’s insurance, for which they pay nothing and to which they are not equitably entitled.
Many of the household furniture forms now in use, in addition to embracing almost every conceivable kind of per¬ sonal property except that specifically prohibited by the pol¬ icy conditions, are also made to cover similar property be¬ longing to any member of the family or household, visitors, guests and servants.
This form would seem to indicate considerable ingenu¬ ity on the part of the broker, broad liberality on the part of the insurance company and commendable generosity on the part of the insured, and the latter would probably feel more than compensated by being able to reimburse his guest for any fire damage he might sustain while enjoying his hospi¬ tality, but the amount of insurance carried under such a form should anticipate the possibility of his having a number of guests at one time and a corresponding increase in the value at risk.
It must be borne in mind that in localities where co- insurance conditions prevail the value of property belonging

Day of Dragons Fitgirl Repack

Day of Dragons Fitgirl Repack Free Download PC Game

Day of Dragons Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install Day of Dragons Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download Day of Dragons Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download Day of Dragons igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

Day of Dragons for Android and iOS?

Yes you can download Day of Dragons on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and InstallDay of Dragons

Now to download and Install Day of Dragons for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

  1. First you have to download Day of Dragons on your PC.Now to download this awesome game scroll down and then click on the download.
  2. Now the download page will open.There you have to login .Once you login the download process will starts automatically.
  3. If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
  4. Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING Day of Dragons Download

Screenshots  (Tap To Enlarge)

 Now if you are interested in the screen shots then tap down on the picture to enlarge them.

Download Day of Dragons Fitgirl Repack

Let me give you a honest review on Day of Dragons Free download PC Game so have a look.

I am just now hatching out of my freaky Day of Dragons igg games, oh my god that’s amazing.Now of course there’s I’m sure you guys LaJolla that of course, I’m sure but if you guys saw in a thought meas video this game is extremely early in development I could not be more early in development obviously like there’s literally just me playing with a few developers except aunt Bobbie who’s gonna be dropping in here in a little bits if you guys do to support the game in any way shape or form all the links down below or all the links to support will be in the description I just wanted to get that all out there out in the open because a survival game where people could simulate and survive as dragons the way they do is dinosaurs in the Isle is like the bustin same concept ever.

I’m supposed to cover this last week but sadly enough I blew off everything for Borderlands but now we’re here I’m like a dragon newb for the most part wait which ones are the ones with no front arms but walk with their wings that some I want to say great whyever damn it Vibram great club no wings I’m happy you guys called wyvern can’t imagine any arguments I’ve been in over with Vernon why Day of Dragons download.

Our Day of Dragons pc download able to fly no I can see that their wings oh yeah like cuz baby birds can’t it’s so obvious. Now I assume there’s no audio this is this early development right I’m not just like crazy correct no I figured question a little part on the bottom my corner I guess the white ones stamina then the green one food oohs that food health and water okay yeah yeah after fight have to fly all right these mega jumps are freaking crazy too though now I see this little oasis is probably like a placeholder for it wow this is gliding and everything feels feels so fluid already. Even just for placeholders so ASIS looks really nice this could easily be just what it looks like and okay okay ffffff crap oh that swimming animation y’all just gonna hide that Jesus Christ that’s horrifying that’s so cool the way they utilize their tail and wings when swimming too high so I metered myself for a second. Decided or the developers by saying this this feels freakin incredible oh my girl is like pan how do you raise against space fire because the game is so super early in development that like everything’s still a placeholder the Day of Dragons ocean of games.

The map everything they just said but it still feels really freaking fluid I wonder how IP you could freaking go in this game the developers said the servers are gonna be able to hold up to 250 Day of Dragons ova games.If your server is able to hold that which just sounds absolutely crazy just imagine you in 250 or 249 your closest freaking friends just getting together and forming a giant dragon army and she said oh my God look at that dive bomb that’s I didn’t even realize they needed a dragon simulator in my life what’s crazy is there’s like a few coming outs and they all look crazy I gotta say even though they said all these dragons are all these vibrant placeholders.

There will be multiple species not just wyverns they still look freakin incredible I don’t think these devs are realized the kind of creatures we’re used to dealing with it Ark survival evolved mods that just look straight straight garbage I feel like the flying is really nice to terminate the diving and the swimming so far are my most favorite freakin things. Although the running is fluid as hell too a lot of this stuff is probably starting to get repetitive for you guys but I’m freaking nerding out over here this is so fun like I love the Isle and everything but sometimes you just need to expand past being a dinosaur you know and Ark doesn’t even do dinosaurs anymore there are in robots so yeah that’s that’s so crazy .

Especially this is all just a placeholder that’s nuts oh Jesus look at the reflection hitting the water with Day of Dragons pc download flying above I’m probably annoying somebody by being repetitive but it just feels so freakin nice today there when you’re chillin your head just pokes out of the water by your legs just calmly while your legs and wings just keep you afloat I like I love when they you can tell they cared about animations and such to give it somewhat of a realistic vibe oh that’s so cool I like I really nerd out over little details and animation and the way it kind of sets the swing down first to put its body weight on that while the rest of it lays down is very special and it curls its tail instinctively because that’s how it would in the egg it’s just all perfect all right so now I’m following these developers over in this direction not quite sure.What’s going on but I’m excited to see the kind of stuff that’s in this admittedly I only saw like two minutes of anthem Nia’s video, which has been in my sidebar all week good for him I just wanted to make sure I did like see anything you know what is it to be kind of a surprise what is this she’s calling it Pookie and she’s saying it’s in thought Mia’s favorite thing and it appears to be moving.

I’m excited dude I’m excited you just want some lovin just be careful if you get too close you will die often confirmed that’s him I tried hugging him and I died nonsense I think that was just carrot that killed you yeah what if it was just like the very top of a giant galactic monster.That’d be so weird I’m pretty sure there’s just a sexy body underneath it’s just some things far worse as genitals sticking out of the ground that thing looks nuts I take it this is how it’s gonna look right this isn’t a placeholder see you it’s gonna look cooler than this this already looks pretty terrifying yes and he should have a butt now we’re talking Sikh Muslims reactive.

Oh yeah I imagine them the like movements inside should be different the final four I just meant cuz it literally does look really good I’m sick moist he’s very moist moist pokey goddamn it’s huge I’ve never thought of someone calling Pookie moist the first thing I thought of like wow deathwarp is moist I’ve put every alien game there is and that sucker looks like top quality y’all are crazy have you seen the the redwood yeah dude it’s so sick like it’s amazing I just fit like mesmerized over Pookie so far sings crazy-looking. I call it the butthole whoa you know teleporting someone without consent is rape in California is it now no but it should be who’s miles up maybe I shouldn’t have courted you here this place is gorgeous and there’s caves that go with it.

Day of Dragons now will there be um I guess this is this is a placeholder for or is this actually I don’t know every time I get amazed by something you guys say it’s a placeholder is this a placeholder oh this is a placeholder two years are crazy we’ll probably use the same elements but it won’t be exactly this all right this is pretty this is pretty high-quality stuff though like a cave in a snowy winter wonderland is this your riot I am everything and nothing my boy also I’ve lost all right that uh are you the blue dragon uh I’m the blue one. I don’t want to be female okay that’s really how do you know what this wait females have black horns while the males have horns wait a female think I said that like three times my video wait females have blood horns and males have regular ones yeah like they’re I don’t know if you’re not here yet are you Oh check this one out wait hang on a second are the horn can the horns be do friend the horse, can’t be differently crab this guy has like four horns twice yeah one as two on the red that’s sick and this one’s curled I’m the curled hard ones which is cool this one right here cuz I’m the blue one.

I have giant curled horns tattooed on my chest this is actually beautiful right here that’s actually pretty dope then your blue yep oh you’re the blue one you gorgeous yellow eyes white dragon over here please the more I hear you talk about the game the more faith I haven’t hewn that but on a money he’d Scott speaking of butts that death word was gonna get a butt and that’s what I’m excited for it when do you promise your butt and so I wasn’t here the whole time so what are you guys talking about I was just a suggestion maybe he just you know pokies a little bit more fish absolutely I think you’re actually at twerking oh you can you can trot and walk to ride if you press z o0 x no it’s XX.

Oh damn power walking you start strutting around it’s pretty sick I can’t wait for like the fire breath and stuff and if you hold the right mouse and use a place Asya wise to make combat so much easier right there yeah I know what did you guys put this it was this in the whole time I didn’t know this the hell man you really how you bad right press right and then press [Laughter] here the Michael Jackson I want you so bad what is so bad what kind of food would you be depending on in this game meat mostly got you from like I guess I’m trying to say is if I was like in here well I would I be eating oh they’re gonna be like dear NPCs and such there’ll be creatures to eat they won’t be anything that you’ve seen on earth like all kinds of cool different stuff oh yeah grab them with our talons and eat it in the air as we fly sick wouldn’t did hmm I like the argent Tabas when they pick some up and ya pick at it yeah art did the vet picking food up for birds though but yes just like that yeah birds invented that I invented told birds yeah tell me about it.

I said the horn thing like three times on that damn video I didn’t think I was gonna go viral Day of Dragons update every second comment he said horn three times so he’s never type of video that hard what if that’s why I went viral just insane engagement I might you know who cares. I’m so gonna keep going oh I will say this riot for when you record when you put this on YouTube I think the number one question we could ask is whether or not we’re gonna have four-legged dragons in the game because everybody sees these wyverns all the time and they say how can you call a day of dragons when all you have is wyverns and we will definitely have four-legged dragons in the game will have wyverns Bob Drake’s, you know and probably other stuff too but three have been confirmed so far the dragon the wyvern and the drake hell yeah. I think I have two thousand comments of saying it’s why we’re not dragging oh my god yeah .

I’m not looking forward to that now would you be open-minded to considering some sort of serpent as a dragon I’m just asking because I don’t know a giant like dragon like serpent thing even if it’s a deal to see thing I have to buy I would just nerd out like wha believe they call it a worm yes worms that is not as elegant those dragon serpent .

That was all on Day of Dragons Fitgirl repack Free download PC game if you have any question related to this topic then feel free to ask down below in the comment section.If this tutorial helped you in any way then feel free to share it with your friends.

The Insurance Society of New York

The Insurance Society of New York
The Insurance Society of New York

The subject of insurance forms is such an exceedingly broad one, that it will be impossible in an address such as this to do more than touch upon it in a general way, and direct attention to some of the more important forms, which, although in general use, may possess features which are not fully understood.
The best form, whether viewed from the standpoint of the insurance company or the insured, is a fair form, one which expresses in clear, unambiguous language the mutual intention of the parties, and affords no cause for surprise on the part of either, after a loss has occurred. But the prepara¬ tion of such a form is not always an easy task, and it is right at this point that the ability of the broker and the underwriter come into play.
A distinguished Englishman declared that the English Constitution was the greatest production that had ever been conceived by the brain of man, but it was subjected to the most scathing criticism and violent assaults by Bentham, the great subversive critic of English law. Twenty-five years ago the New York Standard Policy was prepared by the best legal and lay talent in the insurance, world, and the greatest care was taken to present not only a reasonable and fair form of contract between the insurer and the insured, but one which could be easily read and understood.
While no such extravagant claims have been made for the Standard Policy as were made for the “Matchless Con-maximum of loss collection with a minimum of co-insurance or other resistance than a present day broker, he has not yet been discovered.
The ornate policies in use thirty years ago, with no uniformity in conditions, with their classification of hazards which no one could understand and their fine print which few could read, have given way to plainly printed uniform Standard Policies with materially simplified conditions. But the written portion of the insurance contract owing to our commercial and industrial growth, instead of becoming more simple, has taken exactly the opposite direction, and we now have covering under a single policy or set of policies, the entire property of a coal and mining company, the breweries, public service or traction lines of a whole city and the fixed property, rolling stock and common carrier liability of an entire railroad system involving millions of dollars and con¬ taining items numbering into the thousands. This forcibly illustrates the evolution of the policy form since the issue of the first fire insurance contract by an American company one hundred and sixty years ago, in favor of a gentleman bearing the familiar name of John Smith, covering
“500 £ on his dwelling house on the east side of King Street, between Mulberry and Sassafras, 30 feet front, 40 feet deep, brick, 9-inch party walls, three stories in height, plas¬ tered partitions, open newel bracket stairs, pent houses with board ceilings, garrets finished, three stories, painted brick kitchen, two stories in height, 15 feet 9 inches front, 19 feet 6 inches deep, dresser, shelves, wainscot closet fronts, shingling 1-5 worn.”
It will be observed that in the matter of verbiage this primitive form rivals some of our present day household furniture forms and all will agree that this particular dwelling might have been covered just as effectually and identified quite as easily without such an elaborate description.
Any one who has an insurable interest in property should be permitted to have any form of contract that he is willing to pay for, provided it is not contrary to law or against public policy, and judging from a contract of insurance issued by a certain office not long ago the insuring public apparently has no difficulty in securing any kind of a policy it may desire at any price it may be willing to pay. The contract in ques¬ tion was one for £20,000, covering stock against loss from any cause, except theft on the part of employes, anywhere in the Western Hemisphere, on land or water, without any con¬ ditions, restrictions or limitations whatsoever, written at less than one-half the Exchange rate in the insured’s place of business. An insurance agent upon being asked whether he thought it was good, said that if the company was anywhere near as good as the form, it was all that could be desired, but vouchsafed the opinion that it looked altogether too good to be good.

The Insurance Society of New York
The Insurance Society of New York

In these days we frequently find concentrated within the walls of a single structure one set of fire insurance policies covering on building, another on leasehold interest, another on rents or rental value—and in addition to this, policies for various tenants covering stock, fixtures, improvements, profits and use and occupancy, subject to the 100% average or co-insurance clause, to say nothing of steam boiler, casualty and liability insurance, thereby entirely eliminating the ele¬ ment of personal risk on the part of the owners, and produc¬ ing a situation which will account in some measure for the 17,000 annual fire alarms and $15,000,000 fire loss in New York City; $230,000,000 annual fire loss in the country at large, and for the constantly increasing percentage of cases where there are two or more fires in the same building and two or more claims from the same claimant.
The most common and perhaps least understood phrase found in policies of fire insurance is what is known as the “Commission Clause,” which reads “his own or held by him in trust or on commission or sold but not delivered” or “re¬ moved.” This clause in one form or another has been in use for many years, and it was originally the impression of un¬ derwriters that owing to the personal nature of the insurance contract a policy thus worded would simply cover the prop¬ erty of the insured and his interest in the property of others, such as advances and storage charges, but the courts have disabused their minds of any such narrow interpretation and have placed such a liberal construction upon the words “held in trust” that they may be justly regarded as among the broadest in the insurance language and scarcely less com¬ prehensive than the familiar term “for account of whom it may concern”; in fact, the principles controlling one phrase are similar to those governing the other.
It has been held that whether a merchant or bailee has assumed responsibility, or agreed to keep the property cov¬ ered or whether he is legally liable or not, if his policies contain the words “held in trust,” the owner may, after a fire, by merely ratifying the insurance of the bailee, appro¬ priate that for which he paid nothing whatever and may file proofs and bring suit in his own name against the bailee’s insurers. Nor is this all, for in some jurisdictions, if the bailee fails to include the loss on property of the bailor in his claim against his insurers, or if he does include it and the amount of insurance collectible is less than the total loss, the bailee may not first reimburse himself for the loss on his own goods and hold the balance in trust for the owners, but must prorate the amount actually collected with those own¬ ers who may have adopted the insurance, although, if he has a lien on any of the goods for charges or advances, this may be deducted from the proportion of insurance money due such owners The phrase “for account of whom it may concern” was formerly confined almost entirely to marine insurance, but in recent years there has been an increasing tendency to intro¬ duce it into policies of fire insurance.
All authorities are agreed that the interests protected by a policy containing these words must have been within the contemplation of him who took out the policy at the time it was issued. It is not necessary that he should have in¬ tended it for the benefit of some then known and particular individuals, but it would include such classes of persons as were intended to be included and who these were may be shown by parol. The owners or others intended to be cov¬ ered may ratify the insurance after a loss and take the bene¬ fit of it, though ignorant of its existence at the time of the issuance of the policy, just the same as under the term “held in trust.”
The words “for account of whom it may concern” are not limited in their protection to those persons who were concerned at the time the insurance was taken out, but will protect those having an insurable interest and who are con¬ cerned at the time when the loss occurs. They will cover the interest of a subsequent purchaser of a part or the whole of the property and supersede the alienation clause of the policy (U. S. S. C.), Hagan and Martin vs. Scottish Union and National Ins. Co., 32 Ins. Law Journal, p. 47; 186 U. S. 423).
A contract of insurance written in the name of “John Doe & Co. for account of whom it may concern” should contain a clause reading “Loss, if any, to be adjusted with and payable to John Doe & Co.,” not “loss, if any, payable to them” or “loss, if any, payable to the assured,” as forms sometimes read.
Policies are frequently written in the name of a bailee covering “On merchandise, his own and on the property of others for which he is responsible,” or “for which he may be liable”—and it has been held that’the effect of these words is to limit the liability of the insurer to the loss on the assured’s own goods and to his legal liability for loss on goods belonging to others, but the words “for which they are or may be liable” have been passed upon by the Supreme Court of Illinois, and they have been given an entirely dif¬ ferent interpretation. That tribunal in the case of The Home Insurance Company vs. Peoria & Pekin Union Railway Co. (28 Insurance Law Journal, p. 289; 178 Ills. 64) decided that the words quoted were merely descriptive of the cars to be insured; that the word “liable” as used in the policy did not signify a perfected or fixed legal liability, but rather a con¬ dition out of which a legal liability might arise.
As illustrative of its position the court said that an assignor of a negotiable note may, with no incorrectness of speech, be said to be liable upon his assignment obligation is not an absolute fixed legal liability but is con¬ tingent upon the financial condition of the maker; and ac¬ cordingly held that the insurance company was liable for loss on all the cars in the possession of the railroad company, notwithstanding the fact that the latter was not legally liable to the owners.
In view of the exceedingly broad construction which the courts have placed upon the time honored and familiar phrases to which reference has been made, it is important for the party insured, whether it be a railroad or other transportation company, a warehouseman, a laundryman, a tailor, a com¬ mission merchant or other bailee, to determine before the fire whether he desires the insurance to be so broad in its cover as to embrace not only his own property and interest, but also the property of everybody else which may happen to be in his custody; if so, he should be careful to insure for a sufficiently large amount to meet all possible co-insurance conditions,, and if he wishes to make sure of being fully reimbursed for his own loss, his only safe course is to insure for the full value of all the property in his possession.
At this point the inquiry which naturally presents itself is, how should a policy be written if a merchant, warehouse¬ man or other bailee desires to protect his own interest but not the interest of any one else? The following form is suggested: “On merchandise his own, and on his interest in and on his legal liability for property held by him in trust or on commission or on joint account with others, or sold but not removed, or on storage or for repairs, while con¬ tained, etc.” This will, it is believed, limit the operation of co-insurance conditions and at the same time prevent the owners from adopting, appropriating or helping themselves to the bailee’s insurance, for which they pay nothing and to which they are not equitably entitled.
Many of the household furniture forms now in use, in addition to embracing almost every conceivable kind of per¬ sonal property except that specifically prohibited by the pol¬ icy conditions, are also made to cover similar property be¬ longing to any member of the family or household, visitors, guests and servants.
This form would seem to indicate considerable ingenu¬ ity on the part of the broker, broad liberality on the part of the insurance company and commendable generosity on the part of the insured, and the latter would probably feel more than compensated by being able to reimburse his guest for any fire damage he might sustain while enjoying his hospi¬ tality, but the amount of insurance carried under such a form should anticipate the possibility of his having a number of guests at one time and a corresponding increase in the value at risk.
It must be borne in mind that in localities where co- insurance conditions prevail the value of property belonging