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People Playground 1.3 BETA Download

People Playground 1.3 BETA Download PC Game

People Playground 1.3 BETA 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 People Playground 1.2.8 BETA 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 People Playground 1.3 BETA Fit girl repack is free to play a game. Yes, you can get this game for free. Now there are different websites from which you can download People Playground 1.3 BETA 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.

People Playground 1.3 BETA for Android and iOS?

Yes, you can download People Playground 1.3 BETA on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install People Playground 1.3 BETA

Now to download and Install People Playground 1.3 BETA 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 People Playground 1.3 BETA 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 log in. Once you login the download process will start automatically.
  3. If you are unable to People Playground 1.3 BETA Download game then make sure you have deactivated your Adblocker. Otherwise, you will not be able to download this game on to your PC.
  4. Now if you want to watch the game Installation video and Troubleshooting tutorial then head over to the next section.

TROUBLESHOOTING People Playground 1.3 BETA Download

Screenshots  (Tap To Enlarge)

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

People Playground 1.3 BETA Download

 Gameplay and Reivew

Now it’s time to give you an honest review and gameplay on this awesome game. This is one of the most popular games of 2020.

People Playground 1.3 BETA is an awesome game and this game got the best game award of 2020 also a little fluorescent starter for the fluorescent bulb that’s behind the marquee I presume and finally a cover for my coin tray.

So this is cool, and I figured there should have been something that went on top here, but yeah, this will just slide on top of the plastic tray and it’s just sort of a cover. It’s got some slots for the coins to fall through and just sort of complete that whole thing. Oh yeah and dude, I mean, he sent along so much cool stuff Look at this. Some replacement operation maintenance and service manuals for the original Missile Command full-size cabinet. It pretty much applies to mine as well. But yeah, let’s go ahead and get these metal People Playground 1.3 BETA download installed because, dude, these look satisfying.

[People Playground 1.3 BETA] Oh, that’s so much more satisfying. [metal-on-metal clink, sound of a coin dropping onto table] So that’ll be about the simplest upgrade in the world, it’s just a matter of pulling out these plastic coin People Playground 1.3 BETA that is already in here. Look at how they’re held in place by rusty metal bits [laughs] they’re not supposed to be rusty. But you know, they are. And it’s fine. We accept it for how it is. And you can just drop in the new ones, right in the same place. And that’s that. And yeah, I like how easy these are to swap out. It makes sense that they are like this because then you could just use the same basic coin door all over the world, you know, swap out the coin People Playground 1.3 BETA for different currencies and credit styles, you know, if you wanted to make your own tokens like I maybe want to do. And then the coin tray itself, just pulled that out, put it on the floor here, and we can stick the cover on top of that.

That looks [laughs] way more legit. [rattly sound of fingers tapping on the metal] It has slots for three coin People Playground 1.3 BETA, but the ones on the left and right will line up with the ones that I have in the machine quarters just drop directly in there and that’s awesome. It’s much more sturdy looking now and it’s just a pleasing result. Again, thank you, Drew! But we got one more order of business because while I’ve been poking around in here and doing research on these machines and looking what other people’s cabinets look like, I noticed that mine has this blank area on the back panel door, with some staples and little bits of paper in there.

And I figured something must have been there before and yeah, turns out, Atari originally had stapled to the back door, this Missile Command Self-Test Procedure sheet. It’s about 17 by 11 inches, and luckily, a website called Mike’s Arcade, had some of these back door operation sheets scanned in and available for download. So I was able to find one for Missile Command and yeah, that’s perfect. I’m totally going to get one of these made up and put in there. So first things first, I just got the back door here. You can see these four staples and little bits of paper where the sheet used to be. No need for any of that anymore, so I’ll just pry the staples out of there and take care of the papers and, you know, get it cleaned up a little bit and vacuum away the excess nastiness. Then I went to a local Staples print center and had them print out a nice copy on 11 by 17 paper, and here we go! It’s a bit more bleached white than maybe it should be, but, eh, it’s cool, it’ll yellow eventually I suppose. Now I did change one thing around though.

Where the staples were before, it seems like the paper was stapled all the way near the bottom of the door, which actually makes this sheet rather hard to see from the inside just looking through the coin People Playground 1.3 BETA area. I wanted to be able to see it, just looking from the front of the cabinet so I moved it up a bit, stapled that in place right there and yeah man, check that out. Brand new operation sheet, yeah! Just get that propped into place and there you go, look at that! You can see it.

Now whenever I need to change around a DIP switch setting, or whatever, I can just quickly look inside of it and refer to the back there. Yeah, I’ve used that a time or two, it’s useful to have, and I’m glad it’s there. And you know at this point, I’m just getting obsessed with weird little details so I ran across these stickers, these are some from Atari here, Defective Warranty Parts. I don’t think this actually goes on the machine, I’m not gonna put them on there, but I thought it was cool so I picked it up.

That was all on People Playground 1.3 BETA update download. If you have any questions then comment down below in the comment section. Also if you like this game then do share it with your friends and family members.

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

Mortal Glory Download PC Game Free

Mortal Glory Download PC Game

Mortal Glory 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 Mortal Glory 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 Mortal Glory Fit girl repack is free to play the game. Yes, you can get this game for free. Now there are different websites from which you can download Mortal Glory 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.

Mortal Glory for Android and iOS?

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

Also Read:

How To download and Install Mortal Glory

Now to download and Install Mortal Glory 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 Mortal Glory 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 start automatically.
  3. If you are unable to Mortal Glory Download game then make sure you have deactivated your Adblocker.Otherwise you will not be able to Mortal Glory Download game on to your PC.
  4. Now if you want to watch the game Installation video and Troubleshooting tutorial then head over to the next section.

TROUBLESHOOTING

Screenshots  (Tap To Enlarge)

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

Mortal Glory Download

Mortal Glory Review and Gameplay

Now in this section of the tutorial, we will give you an honest review and gameplay of Mortal Glory free download PC Game.

You know, it’s a little bit shorter but still, you know, more or less full-sized. Totally Mortal Glory fitgirl repack, and it has these really cool wood grain on the sides, and dude, it’s just a really awesome cabinet. I did a video about it when I bought it in the summer of 2019, so you can see that if you’d like to see a little bit more of just my overview of the cabinet, how I got it, and what had been done to it to fix it up.

The trackball problems and some of the board and monitor issues that I had. It was pretty much all sorted when I got it but there were still some things about this particular cabinet that I wanted to improve and personalize, and upgrade. And that’s what this video is going to be about here. So, as mentioned in the previous video about this cabinet, there were some things that I wanted to address down in the coin door area. While you can play this on free-play and that’s how it was set when I got it, I really like the idea of inserting my own quarters and credits and stuff into the actual coin slots to play the game. I don’t know, it just, it rings more true to me like an arcade experience.

But the coin mechanisms themselves had all sorts of issues, like they just weren’t accepting coins reliably at all, and the red coin reject buttons they were kind of sticking, and the door down in the little bottom right there, that little Mortal Glory download PC Game thing, was sticking as well. Not only that, but I had no way of saving high scores on the machine and yeah that’s an original feature I suppose you could say, these machines didn’t come with battery-backed saving or chips that allowed memory to remember anything after you turned it off or unplugged it. It would just lose all your high scores. But there are modern ways to get around that, upgrade this. And that is one of the very first things that I bought, was this little PCB from Braze Technologies.

It’s called the Missile Mortal Glory and High Score Save Kit. And really it’s just a little board that goes between the 6502 Processor on the Missile Command motherboard and it adds the ability to save high scores whenever it’s powered off. As well, as a bit of a nice bonus feature in the fact that it also allows you to switch over and play Super Missile Attack whenever you want. Which is a 1981 enhancement kit, kind of ROM hack conversion by General Computer Corporation just like a more difficult version of Missile Command? The main reason I wanted it was the high score saving ability. Just need to grab the key to the rear of the machine, there’s a wooden door panel thing that comes off so you can access the PCB and other internals.

And what we need to get to is all the way in the bottom left, like near the very front of the Mortal Glory free download PC Game Cabinet, that is the 6502 Processor and in order to reach that, it’s thankfully very easy to get the boards out of these machines. Really in my case it’s just a matter of removing the wiring harness and one screw on the top here, and then just sliding the entire board forward and there we go, I can now reach the CPU and pull that out with an IC Puller. Yeah, look at that! Mortal Glory torrent Microprocessor, good stuff. And, yeah, it’s just a matter of lining up the little notch on the board and the CPU and plugging it in right here and then sticking that back into the Missile Command main PCB in the same direction as the CPU would have been before.

That’s it! That is all that is involved with these kinds of upgrade kits it’s a very easy mod and there’s a bunch of systems that Braze Technologies and I’m sure other people make these for. It’s really cool stuff. And there we go! Got the system powered back on. So far so good, in fact, it looks exactly the same up to this point, but then if you press the START 1 and START 2 Mortal Glory at the same time you can switch over to Super Missile Attack and play that version of the game instead of the original Missile Command. You know, again, I really just bought this for the High Score saving ability but it’s cool to have this option to play something a little bit different from time to time, although this is much more punishing, to just downright difficult than even the original Missile Command. So this absolutely destroys me. Every single time. Wow. [Buzzing missile destruction sounds] If you’re like one of those crazy marathon players and you can play it for infinity then maybe you’ll be able to have more of a challenge out of this, but for me, it’s just punishing so I pretty much never play it.

Anyway, I am happy to have the High Score saving ability on the regular Missile Command game. That was enough for me! But with that out of the way, the next order of business was to address some of the coin doors and coin area issues and just little things that I wanted to tweak and make better and, [laughs] Actually, one of the first things that I did was I dropped 800 quarters into the coin tray.

Yeah, okay. So the reason that I did this was very simple. When you dropped quarters into this thing they were just plunking down on this plastic tray and it sounded stupid. You know when I was playing arcade games as a kid I always liked that satisfying sound of the quarter or the credit just dropping into the machine, and “clink” it just, ah, you know, the metallic coins up against coins. So a quick and easy way to get around that you know, just make it sound a little more awesome was to drop a lot of my own quarters in there. So I just went to the bank, withdrew some quarters, and put ’em in there. Yeah, it sounds much more legit now when dropping quarters in.

Yeah, but whatever. That’s just a silly thing. The main real thing that I wanted to address with this coin door were the mechanisms themselves. And as you can see, the little red reject buttons stick in place, not that there’s much reason to press them in, this machine doesn’t actually reject coins, but the fact that you could press them and they got stuck annoyed me. Anyhow these Mortal Glory at the bottom were getting stuck, and just inserting quarters, to begin with sometimes they would just get stuck in the coin mechanism. So I needed to really take it all apart.

And to do that, there are several different nuts to take off of these bolts because as far as I could tell, the coin mechanisms were working okay, they’re just plastic ones, they weren’t metal ones unfortunately but it’s all this metal, and kind of the rail where the quarters slide through that seemed to be the problem. But yeah, once I got this first part off I was able to get to the red plastic reject buttons and see what those were about. [laughs] For one thing they were incredibly dirty so that probably had something to do with it, and then also the labels that are inside there were different. That bothered me as well.

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