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Borderlands 3 Moxxis Heist of the Handsome Jackpot Download

PerfectLover Fitgirl Repack Free Download PC Game DLC

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.

Also Read:

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)

 Now if you are interested in the screen shots then tap down on the picture to enlarge them.
Borderlands 3 Moxxis Heist of the Handsome Jackpot Download

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

Spintires Chernobyl DLC Download

Spintires Chernobyl DLC Download PC Game

Spintires Chernobyl DLC 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 Spintires Chernobyl DLC 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 Spintires Chernobyl DLC 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 Spintires Chernobyl DLC 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.

Spintires Chernobyl DLC for Android and iOS?

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

Also Read:

How To download and Install Spintires Chernobyl DLC

Now to download and Install Spintires Chernobyl DLC 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 Spintires Chernobyl DLC 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 Spintires Chernobyl DLC Download

Screenshots  (Tap To Enlarge)

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

Spintires Chernobyl DLC Review ,Walkthrough and Gameplay

Now it’s time to give you an honest review on Spintires Chernobyl DLC free download PC game.This is an awesome game to play  update is recently made.

In Spintires Chernobyl DLC igg game, now as if one brand new map wasn’t enough we have another brand new map from castaway and this is called busted knuckle trails.Now we have an interesting assortment of vehicles this blue we have an interesting assortment of vehicles this time now we’ve got this Ram 2500 mega cab but I have a feeling that this will only go so far so in order to in order to combat that things possible issues we have this FJ 47 cruiser from Serge we have sponge jeep m-715 and we have the Terminator LJ 2.0 in case things get extra hairy.

Now I’m going to see if so this is a main road that seems to run ah seems to run actually a good ways and doesn’t actually start to be like a narrow trail until you get about up there so what I am gonna do is I’m gonna actually swap over to this Spintires Chernobyl DLC pc download and out of curiosity just see if I can tow something to the trail I sort of want to I want to load something up and tow it to the trail because I mean we have the capability to we might as well move might as well try it now we did use that LJ in a previous video so I’m gonna try to lay off the LJ for this one and with that being said I’m gonna use something that I haven’t used yet and that is the FJ 47 so let’s see if we can get those ramps down, alright FJ 47 crawler now I’ve never driven this thing whoa that’s an interesting sound I dig it though sounds pretty good whoa look at the interior all right let’s get you up on the trailer the nice thing about this .

That is actually not that wide so it’ll fit on just about it has rear steer as well holy crap but yeah the nice thing about this is that it should fit on almost any trailer like literally almost any trailer you could imagine let’s go ahead and raise the I said raise raise those ramps up and set off for the trails all right well we can’t go right because if we go right the map ends so we’re what the oh god the trailer glitch out on me I don’t know what the hell happened there that was weird that was really really weird the trailer went into the ground now we’re okay.But Spintires Chernobyl DLC ocean of games wait a second that means yep there we go that’s better matter of fact I kind of want to bring the front up a little bit more so it doesn’t look as unbalanced although I mean that looks a little weird now with it not being like all that wide but yeah you know what not really all that worried about it because the trailer is high enough.

Now and that’s what I care about more than anything else is having the trailer up be up high enough this is actually really cool how it’s a trailing like a trail riding slash rock crawling map but it starts out on a paved road like it starts out with like being able to oh what is this this is me getting stuck on a guardrail let’s not do that come on all right there we go now look easy come on stop hitting everything oh I see how this works okay so that’s like a boat ramp type deal and so we could have gone the other way obviously which would have probably been better in the long run but you know what we’re here and we might as well make the best of it now I will say having these lights in the water is something that I have not seen at all like.

That’s really different and really cool still pulling don’t worry about it still pulling I feel like we probably should have unloaded the cruiser by now but I’m not gonna worry about it although in a minute I might have to in a minute. I might have to unload the cruiser because if I don’t oh that one’s blinking or flashing that’s kind of weird yeah if I don’t unload that cruiser we might be in for some trouble in a bit here come on easy things are big this is a big boy oh yeah oh yeah it’s it’s unload the cruiser time it is 100% unload the cruiser time all right.

I’ll pull the Dodge up in here drop the ramps yeah I was like man not much point in continuing on much further shut that thing down for now swap over to the Spintires Chernobyl DLC free download bring you back off the trailer and let’s go now I have not driven this thing yet so I don’t really know its limits of grip its limits of flex its limits of steering angle Lily its limits of anything so we’re going to be figuring them out together great stuck on the first obstacle lovely oh there we go easy the four-wheel steer is definitely something you have to kind of recalibrate your brain to because if you’re not you know if you don’t drive four-wheel steer vehicles all the time then switching into one is a little bit a little bit daunting when you first do it but once you get accustomed to it and like you kind of you know learn what it likes you’re like oh okay I get this.

I get how it works easy does it dude come on are we going the right way yes apparently we are wow this this trail is like really buried this thing is very slow but then then again it’s because it’s very low geared and that’s the way it’s obviously that’s the way it’s meant to be that’s the way it’s set up it’s not really that’s not a criticism of it saying it’s slow it’s just more like the fact that you’re gonna have to know that going into it that this is not gonna be like this is not gonna be some sort of blast up everything in Spintires Chernobyl DLC kind of rig it’s not the Ranger mud truck put it that way this intersect with another truck yes it does oh that’s super cool does a garage and a fuel station up there or we go this way and get into all sorts of other stuff that’s the thing it’s like it just seems like there’s so many different things to get into on this map that you don’t really like you’re you’re almost like especially when you come to explore it for the first time you’re like spoiled for choice because you really don’t know where to go because you got like a trillion options again not saying that’s a bad thing though so we could go oh my god we can go straight here we could go left good god.

All right this is sketchy indeed but you know I mean we’ll figure a way around the sketch well what is up there it’s like a big wall do we get to go up there ,oh I so hope we get to go up there I really really really hope we get to go up there oh it looks like we will how fast is high definitely fast enough I mean not like you know tear your face off fast but definitely fast enough whoa we might need something a little more hardcore for this wow this looks this looks hard easy there we go this thing has maneuverability on its side and whoa I don’t know about this one man this is this is intense stuff I mean it was it was a little bit less intense earlier but it’s really intense now oh come on dude.

Come on man she is not having it she is not having it if I go Spintires Chernobyl DLC download yeah I’m gonna safety winch that okay there we go but even this part is gonna be like like extra tricky Oh oh my god we were making progress there for a second ah it couldn’t it couldn’t keep up with it though yeah there’s nothing that yeah we’re not gonna be able to get up into high doing that Spintires Chernobyl DLC fitgirl repack man right off the edge too all right I’m bringing the big guns out here I’m bringing the big guns out here hang on hang on it wouldn’t let me recall it from there but it will from right here I bet you yep stop this one so we don’t have to engine sounds going all right big boy LJ come on let’s see what you can do I almost made it in the FJ 47 but not quite so this thing’s wheelbase might not like it either I didn’t even think about that see the FJ 47s wheelbase helped it here the LJ on the other hand is a lot longer which I don’t know if that’ll help it or hurt it whoa all right well we’re already up to where the whoa come on.

That was all on Spintires Chernobyl DLC download PC game.If you have any questions related to Spintires Chernobyl DLC igg games then comment down below in the comment section.

How was Spintires Chernobyl DLC fitgirl repack?let me know 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

Total War WARHAMMER II The Shadow & The Blade Download

Total War WARHAMMER II The Shadow & The Blade Fitgirl Repack Free Download PC Game

Total War WARHAMMER II The Shadow & The Blade 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 Total War WARHAMMER II The Shadow & The Blade 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 Total War WARHAMMER II The Shadow & The Blade 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 Total War WARHAMMER II The Shadow & The Blade 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.

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Yes you can download Total War WARHAMMER II The Shadow & The Blade on your Android and iOS platform and again they are also free to download.

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How To download and Install Total War WARHAMMER II The Shadow & The Blade

Now to download and Install Total War WARHAMMER II The Shadow & The Blade 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 Total War WARHAMMER II The Shadow & The Blade 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 Total War WARHAMMER II The Shadow & The Blade Download

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Total War WARHAMMER II The Shadow & The Blade DownloadTotal War WARHAMMER II The Shadow & The Blade Download
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Total War WARHAMMER II The Shadow & The Blade Review ,Walkthrough and Gameplay

Total War WARHAMMER II The Shadow & The Blade DLC Download

Total War WARHAMMER II The Shadow & The Blade Dlc download is a great game to play .This is the brand new dlc of this game now to know more about this game read the bullets points.

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Come back to total war Warhammer – and to be precise the brand Total War WARHAMMER II The Shadow & The Blade new DLC. This shadow and the blade which I’ve managed to get my hands on just a little bit early ,because bloody how the Warhammer 2 is it’s big these days they’ve been adding a lot of stuff to that over the last two years like in the big mortal Empires campaign which is the combined map of Warhammer 1 and 2.There is a slightly ludicrous number of campaigns available these days but today we’re here to talk about the new stuff because my favorite faction and yours – the best most exciting sexy race in the entire Total War WARHAMMER II The Shadow & The Blade igg games, universe have done very well after this Total War WARHAMMER II The Shadow & The Blade DLC .

I am talking of course about the Skaven also thing like the Dark Elves got some new emo kid with stupid hair or something I don’t know .Ok I’m being mean let’s start off with malice campaign because the Dark Elves did get some really fun new additions going on here so welcome to the dark elf or Tex campaign this here is malice edge Lord and he is quite the flippin drama queen. You know what I’m just gonna let him speak for himself so yes indeed he’s a little bit on the dramatic side and the official reason is that dramatic is bigger than insane demon is living inside his soul or at least .that’s what he tells his mom when she asked him why he hasn’t got a job and moved out.Yes still the diva most definitely has its uses so how about we just jump over here deal with the Tower of the Sun and we’ll discuss what the demon does for him and of course houses traditional.

You do start off with some of the new units in the Total War WARHAMMER II The Shadow & The Blade ocean of games, so say hello to scourge runner cherish this guys are rather Farner they’re basically yeah ante larger armor piercing chariots that have the advantage of really high speed speed of 84 very very respectable. Indeed together with yen 97 miss our damage of which a very large portion is armor-piercing with a bonus versus large plenty of ammunition – so these guys can keep firing for some flippin time decent armor and health pool as well.

So yeah these guys can definitely take a few knocks they’re pretty damn solid I also do rather like the design that they’ve only got one massive central wheel which strikes me is incredibly practical because if either of these guys just put a single foot wrong they’ll be tangled in the wheel the chariot won’t be able to go anywhere and they’ll be dead but screw it whatever it does look pretty badass Shore and second a really good solid or router this thing is really down nice the blood Rack Medusa this thing does a little bit of everything missile attack is really really down nice 375 damage a hundred and ten range very respectable and on top of that blechy is armor-piercing explosive explosive on piercing so yeah does a very good job against armor good against infantry swell in case it gets go to the melee weapons strength for Mele is very solid indeed 260 arm piercing a 130 base on top of that good all-round stuff decent health pool as well a bit let down.

Total War WARHAMMER II The Shadow & The Blade ocean of games, by the fact that yeah only has armor of 30 has no shield so might be able to get picked apart by range a little bit but really solid all-round up here we go speed of the devil some illyrian river archers want to come and say hello to me well it sure is unfortunate my brand new chariots are worn anti large and to have greater flippin Ranger let’s just start skimming around here if we can just get on top of you absolutely beautiful so a couple of shots start going in and that is gonna start doing a some good hit point damage to them it’s straight away love it if we can just get them a juicer in range to see if we can do yeah we should tear apart these guys nice and fast so Medusa goes in for lovely attack their hits bloody harder and those rivers are starting to take a lot of punishment very quickly right they’re starting to move forward Total War WARHAMMER II The Shadow & The Blade fitgirl repacks ,so let’s get my cavalry and whatnot moving around get my cherries around the back and with yeah this lovely high speed they’re not gonna be doing anything to me disable skirmish mode .I can control that manually they can just skirt around the back and do whatever the hell they feel like this cavalry is yeah called one cavalry never been impressed with it to be honest but screw it should do the job right over here put you into attack mode just go and attack these guys and oh hello over there have you decided to uh crowd round up right here well that’s good so I’ve got a black art nearby so ah this is a good avoid well for you and as for malice himself Akana, but notice we’ve got a print so for that so malice you’ve got yourself some fun abilities like say yeah the blood price significant increase in weapon damage very very nice indeed for minor damage to self last for a very impressive ninety seconds, so go on you just actually do that to yourself start going in that direction stay away from him.

If you’d be so kind there we go you just get over here so he’s gonna do you know pretty darn well in combat but what we really probably want to do is say I don’t know turn him into a demon because he can transform up completely changing his flippin stats and also on top of that his abilities so now now we can start tearing the absolute hell out of things with yams and lovely new abilities here Reaper of souls damage to combatants absorbs hip points from enemies strong versus a single combatant alternatively yes blood storm an explosion that does not affect friendly troops poor versus large combatants weak versus armor plus 22% to damage resistance very very nice and age ca is useful in a wider melee got some good abilities a very very nice indeed how are you guys doing by the way you guys are doing all right but to be honest gel it’s just uh keep laying down some more support on it you it stupid loser will just basically bombard you how are we doing over here by the way you guys are doing a good job just seeing off all of this business that’s absolutely fine how are you guys doing you guys are seeing off all of this get over here knock out these arches you’ve got the armor to just stand up and do that by yourself meanwhile yeah the blood Rack Medusa is just going to excuse me go into melee hit these guys you’ll absolutely tear them apart Lovitz .

If I let’s just see how strong this is so you just use your explosion now and okay how are you doing it all fellas okay we don’t really know he’s napping off but it looks pretty badass it looks great by the way once you actually become the demon you can’t really stop being the demon at that point you just a demon up until the end of the fight anyway just need to take out this infantry over here but it’s starting to fall apart cherry it’s doing a good job back over here cavalry is chasing these guys off you get over here and momentarily hang on I see something over here how about we do a great big friendly explosion – no come back here Malus edge slaw is not done with you yet and explodes lovely so plenty of them have been sent flying love it and there’s still a handful of seagard around here but not if we drop literally flipping everything on their heads there isn’t beautiful and when you take your first city this is where things get interesting because malice edge Lord is in fact ,the first Lord I believe who starts with a nice split Empire because you’re down over here in this very corner to the map but you get a choice either you can just focus down in this corner of the map and not worry about Nagrand for a while, so which case you just say you know what I’m willing to sell my home back in Naga Ronda aBSI finer twenty thousand gold up front and for five turns a growth plus fifty very very useful indeed but in all fairness most those five terms will be used up before.

We actually take over the first province so uh I don’t think it’s a good idea I don’t think it’s a good idea instead no no we are gonna keep everything under control and actually keep our starting city on the very far side of the map see this is overhearing kind of light I don’t know Total War WARHAMMER II The Shadow & The Blade dlc download or something so if we just actually zoom out a bit go over here past all of this past all of this as well need to go a little bit further up yet pass straight by Total War WARHAMMER II The Shadow & The Blade download DLC.

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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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TROUBLESHOOTING theHunter Call of the Wild Cuatro Colinas Game Reserve

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Walking across remarkable fields and through gentle rolling hills, this part of iberia is a romantic setting for any reserve. it’s miles no marvel that warden & custodian alejandra considers her soul entwined to the very land itself, this looking floor of kings.From the oddly sleek marble quarry, gentle hills and crumbling monastery, to the meadows included in sunflowers and lavender alike, cuatro colinas recreation reserve will take your breath away.

The romantic landscape of iberia has an equally numerous cast of natural world roaming its numerous biomes. chase after the european hare in the brushes, stroll alongside the majestic red deer or temperamental wild boar, and trap roe deer grazing in the fields. hold an eye fixed out for the silent iberian wolves and seek the cliffs for the bold mouflon sheep.For those of you craving for a project, you have the spanish grand slam, which is made up of the 4 ibex breeds – the common-or-garden ronda, the agile southeastern, the strapping beceite and the daunting gredos.

If one needed to describe cuatro colinas game reserve’s ambience, it’d be with one word – regal. the region exudes both wealthy history and flourishing nature, ripe for your exploration. its most distinguishing function is its significant open fields, covered in sunflowers, olive groves, and lavender, surrounded via soft mountains.Framing the open areas are broadleaf lush and dry pine forests, providing ideal cover for careful animals. the land is a long way from untouched even though, as the marble quarry’s sharp angles create a stark assessment to the surrounding location.

That was all on theHunter Call of the Wild Cuatro Colinas Game Reserve dlc pc game DLC.Any questions?then comment 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

Anno 1800 The Passage Fitgirl Repack

Anno 1800 The Passage Fitgirl Repack DLC Free Download PC Game

Anno 1800 The Passage 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 Anno 1800 The Passage DLC is that it’s free to download.In this Tutorial we will show you how to download and Install Anno 1800 The Passage 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 Anno 1800 The Passage 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 Anno 1800 The Passage 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.

Anno 1800 The Passage for Android and iOS?

Yes you can download Anno 1800 The Passage on your Android and iOS platform and again they are also free to download.

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How To download and Install Anno 1800 The Passage

Now to download and Install Anno 1800 The Passage 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 Anno 1800 The Passage 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 Anno 1800 The Passage Download

Screenshots  (Tap To Enlarge)

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

Anno 1800 The Passage Game play ,Walkthrough and different ways to download Anno 1800 The Passage

Now in this section of the article I will talk about Anno 1800 The Passage Game play ,Walkthrough and different ways to download Anno 1800 The Passage the is one of the best game to play.

Anno 1800 The Passage DLC

Now if you have Anno 1800 and you want to download Anno 1800 The Passage DLC then there are some methods which I will discuss all so without wasting any time let’s discuss this awesome game.

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In this article I’m gonna do where I’m going to be going over the trailer for Anno 1800 The Passage free download PC game, that dropped about an hour ago and we have been analyzing. Going over it on disk or talking about different things we saw in it and I just wanted to talk about a little bit so let’s jump over and we’re gonna actually watch the full trailer and then I’ll go back and talk about a few things so let’s see what it had in it.

Anno 1800 The Passage PC download

It’s fun to play Anno 1800 The Passage PC download .This is one of the best game released in 2019.

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You alright guys that was really awesome I really enjoyed that little trailer right there. I was so excited when it finally came on and I got to see some of the new stuff coming up. So let’s go ahead and we’re going to slow that playback down to about half speed we’re gonna skip through the sunken treasures part we already know about all that that’s going on that has been out Anno 1800 The Passage pc download dlc.

Right now rather oh let’s mute that that sounds terrible now here’s the part that I got me really excited I our love my cultural stuff and this botanical garden right here.

Oh my gosh that looks so cool I love the way that looks these different buildings in here it looks like there’s some some new fountains some of this stuff looks like it’s coming from the World’s Fair like these channels right here are from the World’s Fair but then I see some I don’t know if this is a module I think it’s a module based on the shape of it so this looks like a module this looks like a module and this does too and so do these three right here and of course he’s building so this thing is gonna be set up like your zoos and museums it’s going to be I’m assuming you’re gonna have to go and find parts for it I don’t know where those parts will come from but you’ll get pieces for it it possibly could be from the World’s Fair where you get that stuff.

Anno 1800 The Passage IGG games Download

Yes yes and yes finally the wait is over.Anno 1800 The Passage igg games is finally released .I m so happy now you can download this game from igg games .I will put the download in this article.

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Then you unlock those and you lay it out just like your zoos in your museums now will this cost influence there’s a good possibility it’s gonna cost more influence if it does then you know that’s something we’re gonna have to deal with we’ll have to have more influence to build something like this but we will cross that bridge when the Anno 1800 The Passage DLC comes out and we see it but I think this looks absolutely gorgeous they did a beautiful job with the rendering and all of this and there is something right here I want to stop and show right in here see that see these white tiles.

Those white tiles were in the beta and they were taken out of the main game I confirmed with Ubisoft with an employee at Ubisoft that we talked to on the discord a lot and he said those tiles are coming back and will be an ornamental in the game coming with the botanical dlc on December  10th .So we will get these tiles back which makes me so happy because that means a lot of redesigning of my city where I’m using these mosaic tiles right now I can line things with these because these match up with your modules and your cultural buildings perfectly with the style of them.

Anno 1800 The Passage Fitgirl Repack

So we are getting those back this right here is another building we’re getting called a musical pavilion that you’ll be able to put down and this pavilion will actually play music from previous anno game anno 1602 or 1602 ad rather I think is as called here in the United States had gorgeous music settings and I’m really hoping that music all the way back to the original first anno game is in because I will be playing that in my games from this musical pavilion so that’s a special ability we’re gonna be getting that let you change the soundtrack for the game so let’s kind of keep on going I love the look of that it is that just that’s fixed that fits so well with the Victorian era and the Industrial Victorian theme having that pavilion with those guys that’s so awesome again we get some views of some different buildings that we’re gonna be able to put down just they just look amazing then we’re gonna go on through the fountains right here and here comes some of the cool stuff now this is the future  Anno 1800 The Passage fitgirl repack DLC coming out called the passage igg games, which is not coming into a winter.

So I’m gonna go ahead and pause right here and it’s go up a little bit further okay we’re gonna pause right here and if you look this warehouse looks different from the other warehouse as we build you can see it has another piece on the side that looks like it’s part of the whole building so we looks like we get a unique warehouse let’s see will that go away yeah and here’s a building right here that looks like it’s probably gonna be some sort of our first guess was like a whaling station like a for collecting blubber and whale oil now that was in a no 17:01 was the last game that include whaling.

That was all on Anno 1800 The Passage fitgirl repack free download DLC if you have any question related to this topic then 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