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Download Morningdew Farms A Gay Farming Game 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 Morningdew Farms A Gay Farming Game 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.

Morningdew Farms A Gay Farming Game for Android and iOS?

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TROUBLESHOOTING Morningdew Farms A Gay Farming Game Download

Screenshots  (Tap To Enlarge)

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Finally Morningdew Farms A Gay Farming Game free download is out this is one of the best game to play.

I wanted to let you know that it’s seriously important that you support our Kickstarter, see our last Kickstarter didn’t do so well to the cannibals you hear me so we weren’t able to make that game but we really really want to make Morningdew Farms A Gay Farming igg games, we’re really excited to make it if you guys back us which we’re hoping you will you’ll get your name in the credits and it’s the cost of the game it’ll be the same price if you are on Steam so make sure you back us at the twenty five dollar rate please play our demo and give us your support I know you’re gonna love this game and the one thing that we can be dependable and promise you guys is that Y press games always delivers all of their physical rewards to backers on time kind of what we’re known for bad in the mouth gay stuff.

So Morningdew Farms A Gay Farming ocean of games information and check out morning to farms a Gabe arming game thanks one here and welcome to a new demo as we’re gonna be playing today morning dew Farms a gay farming game I mean I don’t really need to explain much on what this games are gonna be.But I will give you a heads up diet is a simulator game which is and also dating well it’s a simulator of like you know doing your own farm thing but also it’s also it’s a dating sim that’s pretty much what this Morningdew Farms A Gay Farming torrent download, is so if you like that type of thing you’re definitely like this and I’m very excited to tell you that it is from the same people who did to trust in Incubus so if you like to trust Nikki piss like check this game out maybe and there is a Morningdew Farms A Gay Farming repack download which I believe went live today so you can check it out down below if you want to and I believe the demo is available.

I could be wrong but I mean that’s why we’re here to try out the demo at the very least and I’m very excited and right now there is no menu music so without further ado. I want to just jump into the game so we get some music at least and you know now how this awkward sounds between us and you I can’t believe oh boy is right volume that low sounds like maybe I did have to arm you oh and by the way quick note um I will be streaming after this videos up so stay tuned for that if you haven’t already follow me on Twitch it’s all down below and the description box do it now I’m waiting alright we’re good we’re not gonna wait any longer I just want to play this I want to see if I could be a really good farmer I mean it’s weird are from Texas you would think like I would know something about farming but I don’t maybe I should talk a little bit like a Texan would what do you think y’all .

But no I’m not gonna do that no but anyways my dreams come true ok maybe I do have to talk like that I’ve moved into my granddaddy’s old farm and I’m gonna make it all my love a cowboy hat maybe I do have a snake about boot though Morningdew Farms A Gay Farming fitgirl repack, you know this is the best day of my life except uh dying this place is really rundown.

It’s great that my bigs oh my god I never die any I never thought in my hole just like YouTube career I’d be able to talk like this ever in any game anyway oh my gosh I should be able to do it because I definitely been around the south for a very long time but it’s just like anything else. Oh I just looked at the bottom rail I wasn’t really paying attention.I was kind of distracted by everything else I look to the bottom right okay so there’s money and days of food so okay so we need a definitely cost around those I’m sure we get a game over if we don’t keep that up.Ooh boy our guards house I already see how this could be difficult that’s great ,so all I have to worry about is the power as far as utilities can I do solar power only.

If you have five grand to invest in panels and equipment power later for now you should get on the grid you need to have all modern comforts if you want a man to move in with you I could probably get by without electricity for a while I reckon maybe you moved out without any food or money little we’re starting from scratch I mean I think Cody there’s a way to do that you didn’t literally need to start from scratch you could have like you know taking some things from your past life and brought it in I was like buy some seeds maybe you have grandpa boards you’re going to need to start planting some crops you’ll probably only have time to plant one plot today because you need to go to the country store the country store is that Morningdew Farms A Gay Farming download, it’s walkable but it’s pretty far if you go out you’ll only have time to visit one place a day and then you’ll only have time for one major task before bad [Music] crops planning alright get going.

I will see you later sis see you later adios sister Oh God yeah that’s the Morningdew Farms A Gay Farming download out of me but I just move your sis what do you expect let’s take a look at this bad boy okay maybe we’ll have to wait till I get this bad boy let me show you some stuff oh never mind here’s your sack house is that in the left I’m gonna sue me this yeah okay yeah all right so looks like we got a like a flea market in the middle I’m sue we got a chapel in the bottom right I’m just gonna go ahead and start talking like that so I can just gotta get used to it Oh looks like some air conditions here .

So I’ll be right back it looks like the farmers are about to come on by so let’s go ahead and get back started into this but um looks like we got a flea market in the middle with the little chapel on the bottom right I have no idea what the heck’s on the right side of the screen bottom love is beyond me on top right behind me and looks like we got a I don’t know a cabin to some sore in the top okay you know I can’t I can’t do if the whole game in I can’t this is not right it just doesn’t feel right it does it’s like my home.

But but yeah seriously looks like a chapel on the right I have no idea what’s on the right side of the screen top right is beyond me the top definitely looks like a cabin like again like a hotel of some sort like a bed-and-breakfast thing and bottom left looks like maybe a pool like where I don’t know like a law office Morningdew Farms A Gay Farming igg games that’s my guess but I guess we’ll find out oh my god now I’m starting it I hear my voice now the little hick in me by yeah that’s a goal no one’s going you don’t get a decent house you know where I live behind.

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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

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Ultimate Admiral Dreadnoughts 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 Ultimate Admiral Dreadnoughts 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 Everreach Project Eden 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 Ultimate Admiral Dreadnoughts 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.

Ultimate Admiral Dreadnoughts for Android and iOS?

Yes you can download Ultimate Admiral Dreadnoughts on your Android and iOS platform and again they are also free to download.

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What is up everybody the history guy here and I’m excited about this I know that many of you like me have been waiting patiently for the Alpha 3 update for Ultimate Admiral Dreadnoughts free download PC game, well we don’t have that yet but we have a huge update to ultimate Admiral age of sale which is the other game that they are currently working on and what we’ve got is a campaign now we don’t have the American campaign yet which is a choice that will be available down the road but we do have the British campaign.
I would expect that like the campaign’s on ultimate Admiral or on alternate general Civil War that the first battle is gonna be a bit of a difficult one especially since we’re still fairly new to the game but let’s dive in fortune take a look.This is obviously a campaign that is gonna take place during the American Revolution with a birth date of 1758 one day I went to see my old boat from a small leap or perhaps the Napoleonic era we’re both so we got to make a choice here I repaired the hole with drift hood I found nearby I patched the hole with wood from another boat so okay it’s gonna show us what that does bonus to repair cost a bonus to upgrade costs or bonus to success chance okay um let’s go with our edge cost with wood for another boat at 12 my uncle made me an apprentice aboard his ship standing to be landed see I felt like a man on the first time anticipating a life on the open sea.
So it’s a little more story-driven it seems which is pretty cool life is difficult remembering my father’s I worked hard to impress the crew in time I was made a midshipman beginning in responsibilities all right we got another decision to make here alright .so now we’re just gonna look at the choices here crew Ultimate Admiral Dreadnoughts igg games bonus our crew training speed bonus casualties replenished bonus or hiring veterans bonus oh boy I like the casualties were prompt replenish we carried wounded woman to the ship’s doctor while under fire we were forged together in the crucible of battle for gallantry I was recommended for promotion to the rank of lieutenant but first I must pass the narrowest exam I was summoned before a board of captains after a lengthy examination they asked me .
What I thought the Navy’s greatest strength was 5% bonus on hiring officers 10% chance to get more technologies uh +100 reputation per battle I like the technology bonus I’ll sail there for no other Navy possesses odd numbers so lieutenant Rogers acknowledged at the time the American Revolution has been building heads in a cent then asked me for my appraisal of the Ultimate Admiral Dreadnoughts ocean of games, current strategic situation all right now we’re looking at enemy strength reduced. Oh doll this is our difficulty oh and we’re definitely going easy there’s no question about that ah scattered and disorganized first time on a game in a genre that I mean not very good operations I’ll so land and see difficulty are set differently very cool both gonna be easy little thing about at least for now the when my footsteps on land I want back off immediately the board applauded my answers and took a moment to reach their consensus congratulate graduation.
Caesar you have just made Ultimate Admiral Dreadnoughts torrent download.Okay so now I get to choose who I am all Horatio Nelson is that even a question I mean seriously so we can see the bonuses so we begin a glorious death is to be envied while Horatio Nelson had one I believe he died at Trafalgar I don’t know nearly enough about naval history to be able to speak with any confidence about that but I feel like that’s what happened Spain guards Ultimate Admiral Dreadnoughts repack the mouth of a San Juan River with a strategically placed fortification under the command of the captain general of Guatemala securing the entrance to the river opens the route to Lake Nicaragua and will bring all these rich lands under the authority of Britain and His Majesty King George the third I feel like this is this looks similar to one of the missions you play we played on the earlier look a frontal attack seems suicidal but we have no other option about this is one we did Spaniards will do they best to cancel your plan so we’ve got to get up there and take out the batteries yeah I definitely feel like we’ve played this mission troopships will follow behind they will avoid the naval battle and wait for its resolution without our protection Ultimate Admiral Dreadnoughts fitgirl repack it will become easy prizes for the spaniards hms series the light armed brig has sailed up to join us in the fight the crews desperate for a leader who can bring the ship through its trial by fire you have no choice but to take command alright so we’re in command of the HMS Richmond man it has been a while since I played this game I wasn’t good at it to begin with but now I feel really inadequate to the task this is gonna be interesting.
Now I’ve got to get used to the fact that the the turn Ultimate Admiral Dreadnoughts skidrow are the opposite of what they are on Ultimate Admiral Dreadnoughts ova games they’re back to what they should be so first things first we’ve got to deal with these ships before we can even bring in our alright here comes a series these are the the troop ships so those are the troop ships back there we got the series coming in to help out with this fight I’ll put series under a I command so I can just focus on Richmond right now part of me wants to just board the guy but I just I feel like that would be reckless at the moment nice now we’ve got two ships firing on this one ship so we’ve got to keep the HMS Richmond afloat we’ve got to capture the village and capture the battery we’ve got five hours to do it got to be careful here that we don’t get in the crossfire all right now we can fire on both ships at once it’s nice oh yeah we’re letting it fly.
On the Galaga right now nice let’s get a closer look coming right up alongside her now so we’re going right with the wind we got to be careful not to get too close to shore uh yes make sure these troop ships okay they’re still staying back I’m gonna go ahead and turn this way a little bit because I want to keep firing on both ships this one’s in bad shape oh we can get a good look at old this is cool enter aiming mode Ultimate Admiral Dreadnoughts alpha one download.
 Oh we can aim in a specific spot on the ship that’s fantastic that’s really cool okay this one’s just about down for the count I think series can probably finish them off let’s go ahead and get up here and deal with this one I went a little too far there so we double-click on it and that’s where how we’re able to do what we’re doing here aim right there Mercedes has surrendered excellent I’m not gonna worry about taking that ship although they may come back and try to retake it themselves I don’t know I don’t want to try and board it because I just feel like that would be too much too many casualties oh yeah you look at what’s happening here all this is cool I just really kind of want to watch this.
Ultimate Admiral Dreadnoughts alpha two download:For now we’ve got we still got four and a half hours so lots of time for the land battle yes shouldn’t take much more to finish this one off and then the nice thing is once you’ve taken out these ships we should be able to use my ship to help bombard the shoreline gaga’s just about done come on finish them will speed things up a little bit brothers haven’t surrendered yet that should just about do it where you going how have they not surrendered we’re gonna end up sinking this one oh that was brutal yeah this ship’s gonna sink check that out these guys all ran to the back of the ship Ultimate Admiral Dreadnoughts alpha 4 download to start firing when he came up that was cool cool little detail that I really like.
I really appreciate that dealing with wind issues now serious is gonna turn them try to finish them for me all Mercedes is back at it yeah see that’s the problem if you don’t go and grab the ship they they do that yoga sunk we’re gonna take out his crew before they can get away and cause further problems for me this is where this becomes an issue because we’ve got these troop ships that are just waiting for the chance to get involved and now I let this ship get away I was afraid that was gonna be an issue we’re gonna go kind of into the wind here he’s gonna add all these new troops these new sailors to this other ship so that’s gonna be a lot more we’re gonna have to deal with probably gonna have to sink this one too what kind of grappled into him now there we can turn this way there we go yeah we just got to be careful we’re getting awfully this is taking a long time longer than it should all right let’s be careful here all right series you’re kind of getting in the way so let’s get you out of the way I should have boarded that ship.

Ultimate Admiral Dreadnoughts

Ultimate Admiral Dreadnoughts fitgirl repack ,when I had the chance know better I’m running into my own ship now uh I’m a terrible captain get over here Mercedes you’re not getting away that easy all right we do have the other ships now available so we really need to we need to get the the landing going here let’s go ahead and do that we’ll sneak back over here keep Richmond between Mercedes and my landing cruise get up closer let’s see if we can bring the series over and maybe start bombarding these guys there we go not gonna take much more to sink that still kind of afraid to disembark oh hello finish them off come on.
 That was all on Ultimate Admiral Dreadnoughts fitgirl repack free download PC game,if you have any questions then comment down below we will love to help you.

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

Wolfenstein Youngblood Fitgirl Repack

Wolfenstein Youngblood Fitgirl Repack Free Download PC Game

Wolfenstein Youngblood 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 Wolfenstein Youngblood 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 Wolfenstein Youngblood 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 Wolfenstein Youngblood 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.

Wolfenstein Youngblood for Android and iOS?

Yes you can download Wolfenstein Youngblood on your Android and iOS platform and again they are also free to download.

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How To download and Install Wolfenstein Youngblood

Now to download and Install Wolfenstein Youngblood 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 Wolfenstein Youngblood on your PC.You can find the download button at the top of the post.
  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 Wolfenstein Youngblood Download

Screenshots  (Tap To Enlarge)

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

Wolfenstein Youngblood Review ,Walkthrough and Gameplay

Now in this section of the article let me give you an honest review and game play of Wolfenstein Youngblood free download PC game,If I also show you how to download and Install Wolfenstein Youngblood.

I’m covering,Wolfenstein Youngblood free download PC game does have a good shotgun – here it is turning Nazis into soup, which is my preferred form of Nazi – but I’m also a little too conflicted about this latest entry in the series to put my heart into my terrible jokes. I’ve played the first two stages of this co-op focused rampage, but it left me cold in a way I wasn’t expecting. On paper there’s a lot to love here – a lot of passion for the project, a lot of good ideas – but I struggled to see some of them shine in the game I played. So I’m going to whip through what did and didn’t work and reveal some extra info the senior designer shared in an interview. Let’s dig in. So yes, Wolfenstein Youngblood igg games is co-op, and plays it straight. You play as Jess or Sophie, the daughters of BJ Blazkowicz who are looking for their missing father.

Don’t expect any detective work, they just kill anyone who isn’t their dad. As a co-op duo their interactions are very vanilla – you can revive your downed sister… And the pair of you can gang up on doors or crates. Don’t get *too* excited. You’ll also find keypads that require one sister to read a nearby password to the other – it’s less a puzzle, more a way of stopping one of the sisters from charging off ahead. One cute touch I do like is giving the team a temporary health or aWolfenstein Youngblood ocean of games buff by flashing a ‘pep’ emote in your sister’s direction. A pair of devil horns gives extra armour, for example, or you can offer a health boosting thumbs up. I like the idea of nonsense emotes actually having a role in the game – you can unlock increasingly stupid mimes to perform, each with different buffs.

As heroes go, the sisters are basically the same character. Jess starts the campaign with a machine gun and Sophia has a shotgun, but both can collect the opposite weapon as they play. Mechanically, there’s not a lot of interaction between the two, beyond coordinating your attacks. You know the deal: send one sister in with a cloaking device to pick off a guard, or copy one of those scripted Wolfenstein Youngblood torrent download, where you both aim for a head on the count of three. I am surprised by its lack of ambition – I mean, why commit to a co-op campaign and not find more interplay between two characters. Playing it with a fellow human just felt like playing Wolfenstein with a random AI assistant who occasionally ran into my line of sight. Just a health icon by the side of the screen that I’d occasionally flash a glance at. It’s not ever bad, but a missed opportunity perhaps? Co-op is so simple in fact, that I wasn’t surprised when the Andreas Öjerfors, a senior game designer, said he prefers to play it solo, with an AI-controlled sister. He says Machine Games put a lot of effort into making a co-op experience for solo players.

He describes a few key aims. One: that your AI sister shouldn’t be annoying – cue bad memories of terrible Wolfenstein Youngblood repack. Two: that she should act like a real person. This basically means lots of lines of colourful banter that react to the combat situation. I mean, she certainly has her father’s way with language… “I’m going to take out this Nazi asshole.” Much trickier to judge is the third goal: that she feels like she’s contributing in combat. Öjerfors wants the character to follow your lead. If you do well, she’ll do well alongside you.

You will have some control over her – you can use the enemy spotting mechanic to focus her attention on a specific target. But until we play the game in solo mode, it’s going to be impossible to judge how well it holds up as a more traditional Wolfenstein Youngblood fitgirl repack. The one thing that definitely won’t change between solo and co-op – and this one of the things which leaves me so conflicted – is the decision to pump up enemy health to offer a suitable challenge to a pair of heroes. As you’ll notice, enemies now have health bars above their heads – yes, Wolfenstein Youngblood pc download has become one of those RPG-lite shooters, in the vein of Destiny, Far Cry New Dawn or The Division. Now perhaps you like those games. I like those games. But those games are not Wolfenstein Youngblood skidrow reloaded. I ask Öjerfors about the introduction of health bars and he freely admits that it’s the kind of thing the studio has avoided in the past – things like health bars break immersion, he says, and they’re in the immersion business.

They had to include them this time in order for co-op partners to read the battlefield, see which enemies were closer to death so we can focus our efforts. That makes sense. But as you now have two characters, it also means introducing enemies with incredibly inflated health – big problems that act as focal points for co-op play. For me, the introduction of bullet sponges is totally at odds with the series. All of a sudden you find yourself with guns that feel like Machine Game guns, but are emptying bullets into enemies that don’t feel like Machine Game enemies.

Yes, you have the grunts you can pick off with a shot to the head or a shotgun to the chest, but you also find a lot more super soldiers, clad in armour that eats round after round of ammo as tiny bits of Wolfenstein Youngblood full game download flake off a health bar. What the hell are the Nazis feeding their boys? It can’t be the local cuisine – I’ve been to Paris – I ate an onion pie and had the worst heartburn I’ve ever experienced. Whatever miracle elixir they’re on, the Blazkowicz girls need to put a stop to it. Because when you can empty six point blank blasts of a shotgun into an enemy’s head with no obvious effect, it makes your weapon feel like a pissing Nerf gun. Now I watch that amazing E3 trailer, where you see skillful deathblows choreographed to the music and it just doesn’t reflect the game I played at all. I’m not saying it’s difficult – you can easily out maneuver any lumbering brutes, but it was often boring. How is that possible in a Machine Games first person shooter? One potential solution is to play stealthily – new Wolfenstein does embrace sneakier Nazi hunters. The power suits – the armour that makes the girls look like walking disco balls – have unlockable abilities including an invisibility cloak: good for enjoying the gooey instant kills. Their daddy trained them well. And if you grab a hatchet, you can lob it for silent takedowns at range. It wasn’t in our build, but Öjerfors says they’ve added a system that rewards bonus XP if you clear an area without getting seen.

This could be a fun co-op challenge – I say could, my partner was much too in love with his machine gun. And you can always invest in more stealth abilities to skulk around combat. I mentioned XP a second ago – you now level up, gaining extra damage and ability points. You spend points on skill tree – the things you unlock are similar to the perks in the older games, you just don’t have combat challenges to access them. Because of this similarity it doesn’t feel jarring. A lot of it reminds me of contraptions in The New Colossus – different powers that offered different routes. The wall-destroying shoulder barge in Youngblood is basically the same as Ram Shackles in the last game. While I’m talking about RPG-ish elements, Youngblood also changes weapon customisation – you now buy mods from a large menu using silver coins found about the world. This encourages you to explore hidden rooms through air vents and behind password-protected doors – but it also gives you more control over the weapons in your hands. Seeing a wall of gun stats change as you swap in parts feels weird in a series where I normally point and shoot without thinking about it, but if it helps chew through that tough armour, I’m not going to complain. The bit of Youngblood I’m most interested in is the bit we don’t get to see in these levels. The game is a co-production between Machine Games and Arkane Lyon – the studio behind Dishonored. And Öjerfors tells us that if we played past the opening levels we’d see Arkane’s fingerprints more clearly.

Once you get through the more traditional stages – an attack on airship and an escape through Parisian streets made by Machine Games themselves – you reach the Catacombs, which acts as a hub for the game. From here the story branches into three key missions, each one in a different district of Paris and you travel to them with a Metro map and are free to tackle them however you want. These districts were handled by Arkane – Öjerfors says if you’ve played in Dishonoured’s sandbox stages, you’ll have an idea of what to expect. With this in mind certain things make more sense – the silver coins will feel more precious when you sniff them out in complex city environments. And enemies level up alongside you, introducing new soldier types to keep areas fresh as you revisit them – Öjerfors says each kind of enemy has four or five evolutions, changing looks and moves as they get tougher. And you will need to revisit areas – once you’ve done the story quests, these districts will be filled with side quests you’ll do for the French Resistance. Some will even take you between multiple districts, I’m told.

Yep, it certainly sounds like the game comes alive at Catacombs – if only our demo didn’t stop when we got to the front door. This side of the game sounds brilliant – and there are flashes of it in the bits we play. Leaving the soldier-filled streets takes us to apartments where you find documents filling in back story, or maybe find secret dossiers that need to be translated in code breaking machines hidden elsewhere in the stage. I like the verticality – at one point our partner fights a robot dog on the city streets while I hide on a rooftop sniping down at its weak points. In moments like this the game finally bursts to life – I hope for more of it in the final thing. Part of me does struggle to see how dense exploration and co-op is meant to work together – it won’t be much fun if you want to push on while your pal looks for coins in abandoned bathrooms. Maybe this is why Öjerfors prefers playing alone – there’s no idiot with his hand down the crapper. And I am curious to see just how big it is – I’m told it has the longest playtime of any of their games, which would be wild for a between game side project. It would be sweet – the game releases at a lower price – 25 pounds in the UK – and buying it lets you loan a copy to a friend to play co-op. So you could go halves and get it for 12 pounds each. Still doesn’t fix the bullet sponge issue, but maybe takes the sting out of it.

So, as I said: conflicted. Öjerfors talks a great game, and Arkane are in my top five studios – there’s a lot to love on paper. I hope that playing further, and playing with an AI companion, might see the game spark into life and help push past the weird combat hurdle I’m currently facing. Maybe they’ll tweak enemy health between now and then and the whole thing will snap into perfection. I guess we’ll see on July 26th. I hope this video made sense – if you have any questions about what I played, bang them in the comments. Please do like and subscribe – you have to say that these days – and if you are into Bethesda-flavoured shooters, do watch my hands-on impressions with Doom Eternal. A game I had very few problems with. Thanks for reading and hopefully see you soon.

That was all on Wolfenstein Youngblood fitgirl repack free download PC game,If you have any questions related to this topic then feel free to ask down below in the comment section.

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

Wattam Fitgirl Repack Free Download

Wattam Fitgirl Repack Free Download PC Game

Wattam 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 Wattam 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 Wattam 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 Wattam 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.

Wattam for Android and iOS?

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

Also Read:

How To download and Install Wattam

Now to download and Install Wattam 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 Wattam on your PC.You can find the download button at the top of the post.
  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 Wattam Download

Screenshots  (Tap To Enlarge)

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

Wattam Review ,Walkthrough and Gameplay

Wattam is one of the best game in 2019.This game is free to play.In this tutorial I will show you the gameplay and walkthrough of Wattam.

Wattam is the ultimate goof-around simulation. See what kinds of silly things happen when you push the limits of the game’s physics and animations to create crazy and comical results. Solving puzzles, uncovering secrets and playing mini-games has never been weirder or more wonderful. The sheer multitude of friendship combinations and hijinks means there’s always fun in store.

The legendary creator of Katamari Damacy and Noby Noby Boy makes his long-awaited return to video games with Wattam, a dream-like sandbox adventure that has been in development with Funomena since 2015. In Wattam, Takahashi’s familiar themes of quirky creativity and inventive puzzle-solving combine with a zest for zany friendship interactions. Smiles are guaranteed.

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

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Borderlands 3 Moxxis Heist of the Handsome Jackpot Download 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 Borderlands 3 Moxxis Heist of the Handsome Jackpot Download 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 Borderlands 3 Moxxis Heist of the Handsome Jackpot Download 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 Borderlands 3 Moxxis Heist of the Handsome Jackpot Downloadn 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.

Borderlands 3 Moxxis Heist of the Handsome Jackpot Download for Android and iOS?

Yes you can download Borderlands 3 Moxxis Heist of the Handsome Jackpot Download on your Android and iOS platform and again they are also free to download.

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How To download and Install Borderlands 3 Moxxis Heist of the Handsome Jackpot Download

Now to download and Install Borderlands 3 Moxxis Heist of the Handsome Jackpot Download 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 Borderlands 3 Moxxis Heist of the Handsome Jackpot Download on your PC.You can find the download button at the top of the post.
  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 Borderlands 3 Moxxis Heist of the Handsome Jackpot Download Download

Screenshots  (Tap To Enlarge)

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Borderlands 3 Moxxis Heist of the Handsome Jackpot Download Review ,Walkthrough and Gameplay

GUARDIAN RANK IS FIXED!! PATCH NOTES – DEC 12, 2019 [BORDERLANDS 3]:What’s going on guys killer six and today we got patch notes for December 12 2019 ,and this is a big one and I say that unlike every Borderlands 3 Moxxis Heist of the Handsome Jackpot dlc download in every patch but it’s true almost every time too so today we will release an update for Borderlands 3 by or before 3 p.m. again by or before 3 p.m. Pacific time that addresses reported issues Guardian rank and fast traveling to sanctuary 3 adds vending machines to scale 27.

Includes some support for the first Borderlands 3 Moxxis Heist of the Handsome Jackpot igg games which will be live next Thursday that’s one week from today December 19th with this patch also comes a new Borderlands 3 Moxxis Heist of the Handsome Jackpot ocean of games menu you’ll know that hot fixers are applied when you see that menu get a little more festive below are the notes for today’s patch alright now before we dive too deep into this I want to say something real quick there’s gonna be one thing exactly one thing in this list of things that I think people will be like.

Oh nerf and fun blah blah blah I want you to just keep an eye on the Borderlands 3 Moxxis Heist of the Handsome Jackpot torrent download that’s going on in the background and then we’ll talk more about that in a second alright so notes for patch number five and I’m only going to cover what I consider the highlights this is gonna be the Cliff Notes version if you want to read the entire thing for yourself the link for it will be down in the description below so you can go over there and read everything for yourself if you want I’m just covering the high points starting off first adding support for Borderlands 3 DLC Borderlands 3 Moxxis Heist of the Handsome Jackpot on December 19th stability.

There are a lot of stability fixes and I’m not gonna cover any of those I just know that they’re all positive things so if you want to read those for yourself go ahead and do that let’s jump forward to the UI they did improved inventory menu performance which is huge that was like one of the main problems that I’ve been having lately is I will like go to swap out a grenade or a shield or something and then the picture will be a picture of one of my guns and I’m like that’s not my shield so it’s good to see that they’re working on that improved performance when open Guardian rank menu I never saw any kind of performance issues when I open the Guardian rank menus so I don’t know what that’s in reference to but cool for PC.

They added support to immediately swap between glyph types when using auto-detect I don’t know what that is if anybody knows what glyph types and auto-detect are let me know in the comment section below because I don’t have a clue what that even means now this is a really cool one added numbered icons to the mayhem mode icon on the HUD so you guys know this little thing down in the bottom middle underneath of my level my Borderlands 3 Moxxis Heist of the Handsome Jackpot fitgirl repack bar and my guardian rank bar then it it shows you a picture that you can use to tell what mayhem mode you’re on but even with that people that would be watching the streams or the videos on like mobile devices wouldn’t be able to tell what may a mode it is so this is a cool little feature it’s gonna actually add the mayhem number to that icon on the HUD so very nice improvement in my opinion addressed an issue where mayhem mode icons on the HUD would sometimes become inconsistent when adjusting difficulty.

I saw this on my friend dem at the hill stream the other day he was doing I think mayhem 3 and all of a sudden it just no longer showed his mayhem level on there for whatever reason so it’s good to see that they fix that to just an issue where a thumbnails and locked state could sometimes become incorrect when viewed in the inventory menu again more inventory fixes so you’re not seeing the wrong image on your things and then same thing with this next note addressed an issue or vending machine thumbnails would sometimes be incorrect so again fixing that there’s a couple console fixes as well.

I know all you console users have been asking for these things dressed an issue where item cards would sometimes appear cut off when viewing items in a chest in split-screen and address an issue where small item cards would sometimes be displayed on the wrong person screen and split screen so it’s good to see that they’re actually taking care of the split screen people out there too alright now in terms of the missions there was a few mission progression blocker issues that they covered in this and I’m not only gonna you know really touch on two of these because these are the two most important for me or I mean they’re all important but these are like two that I experienced addressed a perceived progression blocker that sometimes occurred if the player jumped before chad did in the mission swamp bro as you guys know that is one of my favorite side missions I love Chad and this literally just happened to me on my live stream recently if you wanted to come over and watch the live stream sometime you really should it’s Borderlands 3 Moxxis Heist of the Handsome Jackpot DLC slash killer 6 same as what you see.

That was all on Borderlands 3 Moxxis Heist of the Handsome Jackpot dlc download.If you have any questions then comment down below in the comment section.We will love to help you.

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