Category Archives: Fitgirl

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Fantasy Secret Fitgirl Repack Free Download

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Download Fantasy Secret Fit girl repack is free to play.Fantasy Secret igg games and is Published under the banner of Ocean of games.You can also download this awesome game from Ova games and the most popular website Skidrow reloaded.

Companies: Ocean of games, igg gamesih,
Languages: RUS/ENG/MULTI11
Original Size: 17.7 GB
Repack Size: 5.2 GB

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  2. Click on download link which is mentioned above
  3. Complete two offer (download or login two apps)
  4. Game will Start to download

How To download and Install Fantasy Secret Fitgirl Repack

Before you download Fantasy Secret Fitgirl Repack on PC we do recommend you to watch the game installation video.To avoid all sorts of errors.

Screen Shots (Click To Enlarge)

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Fantasy Secret ocean of games at its exceptional, final fantasy will give you an journey you may never overlook, a combat and progression machine that you’ll obsess over, or characters you may have a real affinity for. once in a while, it’ll supply what might be the quality minigame in records. and different times, it’ll provide you with a laughing scene you may want you can forget about.

Fantasy Secret igg games with maximum of the worthwhile entries on laptop now—minus i and ii, and spin-offs like crisis center—we concept it might be a very good time to talk about which mainline games are the fine. for the reason that that is a controversy it really is been happening for years with loads of close to-same consequences, we’ve blanketed an additional factor here—how the video games’ computer versions turned out informs the scores right here, due to the fact it is so inconsistent across the series. inform us your choices at the bottom, and experience.

Fantasy Secret ocean of games: this isn’t my non-public preferred very last fable, however it is an outstanding, mmog-infused rpg that is the high-quality of them all in relation to combat structures, development and the way well its artwork has held up when you consider that its unique launch on the ps2, 12 years ago. the ones elements are likely what maximum players are inquisitive about, and so i experience cozy calling it the first-class. it simply doesn’t have much heart, or a tale i love, or a respectable protagonist. i love it whilst very last fable has those matters. it does have a british model of han solo, although. i am a massive balthier fan, and if i can be him i’d.

Fantasy Secret torrent: there had been seemingly loads of rewrites and tale-shuffling at some stage in improvement and it certainly suggests. happily 12 has my favourite rpg structures of any final delusion and the fast-ahead command brought by using the remaster approach i can blast through zones, stage up fast, and take a look at out new party lineups. 12 has a distinct attraction to the relaxation of the collection. you can’t clearly coast via it with out engaging pretty heavily with the fight and person building, which could clearly drag within the first few hours.

Fantasy Secret repack plus the story never quite profits momentum. very last delusion has by no means been correct at telling memories about politics, kings and queens. provide me a good birthday party of buddies who go on a adventure and kill lots of cactuars.

Fantasy Secret free download wes fenlon: sam and tom are nuts: very last myth 12 has possibly the first-rate, least cliche tale in a final fable recreation this aspect of strategies. it simply, uh, kinda disappears and then completely falls apart in the ultimate third of the sport. but before that: wonderful stuff! the arena and writing, like in matsuno’s very last fable processes, are fable with the aid of manner of shakespearean tragedy, with a quippy rogue, a dutiful but disgraced knight, and a princess pressured to step right into a leadership role she in no way anticipated. there is a few great wartime politics to dig into right here, even though the throughline in no way quite explores them as a whole lot because it have to. however the flavor that story brings units it thus far other than your standard young adults-store-the-international jrpg.

Fantasy Secret Download it’s also difficult to overstate how lots ff12’s international layout—damaged up into mmo-like zones, in which everything is the identical scale, instead of a international map or the disappointing list of places like ff10’s—provides to the believability of it as an area. it seems like a right international you’re exploring, at a degree of constancy no final delusion recreation had introduced earlier than.

“myth mystery” is a puzzle informal game that everyone can without problems get began however is very precise. drag the fragments and combine them right into a entire photo to win the sport and cute women cg.

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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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  1. Deactivate your Ad bloker
  2. Click on download link which is mentioned above
  3. Complete two offer (download or login two apps)
  4. Game will Start to download

How To download and Install Kingdom Under Fire 2 Fitgirl Repack

Before you download Kingdom Under Fire 2 Fitgirl Repack on PC we do recommend you to watch the game installation video.To avoid all sorts of errors.

Screen Shots (Click To Enlarge)

Click below to to enlarge these pictures after that make sure and we will recommend you to watch the game installation video.

About Kingdom Under Fire 2

Kingdom Under Fire 2 Fitgirl Repack fireplace ii is a video game set in a high myth setting evolved by means of blueside which merges actual-time strategy (rts), position-playing sport (rpg) and vastly multiplayer online game (mmo) genres – the sport is to have a single participant, and on line multiplayer mode. The sport follows on chronologically from nation beneath fire: circle of doom, and is the primary rts sport set within the nation under hearth universe to be released for the reason that 2005 state underneath fire: heroes.

Kingdom Under Fire 2 game become introduced in january 2008, and has been situation to postpone and adjustments to release platforms; a closed beta-check commenced in december 2011 in south korea.The builders announced that a version for the playstation 4 was in improvement.The chinese version of kingdom underneath fireplace 2 entered a no-wipe closed beta kingdom in march 2017.In july taiwanese version entered an open beta.

Kingdom Under Fire 2 game download combines movement rpg with actual-time approach.The participant is to control a hero who can command diverse troops.The player has full manage of their individual and can run around freely with their troops following them. When controlling other devices, the sport plays like a typical rts; cannons for example may be used to interrupt down citadel walls and spearmen may be used to shield troops from cavalry

Kingdom Under Fire 2 igg games the plot of country below fireplace ii comes chronologically after the activities in circle of doom – which occurred within the opportunity dimension of the game’s antagonist – encablossa.The game’s events hold the tale of the dominion beneath fireplace universe, a hundred and fifty years after country underneath hearth: the crusaders, and introduce a new faction – the ‘encablossians’, who have been delivered from the encablossan measurement via regnier,[3][4] an antagonist in preceding video games.

Kingdom Under Fire 2 ocean of games the sport is to discover the wars among 3 factions: the human alliance, dark legion, and encablossians of their battle for control of the game’s world, the continent of bersia.The game was initially announced in january 2008 to be posted on laptop and console platforms in 2009.The game turned into to be a blend of mmog and rts gameplay to create a “multiplayer online movement rts” or mmorts; key factors of the gameplay layout include a unmarried participant ‘story mode’ as in the sooner rts nation underneath fire: the crusaders, and a separate online multiplayer element where gamers would be capable of adopt battles, both fort sieges, and pitched battles in fields.The mmo issue of the sport was to take location in a continual global, with gamers able to form and be part of guilds and take part in territorial battles (in up to fifteen vs 15 player fits).

Kingdom Under Fire 2 torrent download, the mission become mentioned by mmosite.com to be rumoured to be in development hell, with developer blueside in economic hassle, with a few personnel salaries unpaid, and also as being tormented by the departure of part of blueside’s improvement crew to shape a brand new corporation. in an interview representatives from blueside and phantagram said that ninety folks were working at the mission, and that the sport had been delayed due a scarcity of manpower because of simultaneous improvement of console and computer versions, in addition to delays because of inexperience with online game development. the lead developer lee sang yong stated that there was no actual trouble with the development.[9]

Kingdom Under Fire 2 Repack in october 2010, the xbox 360 model turned into announced to be behind schedule to at least christmas 2011 because of regulations imposed on xbox live video games with the aid of microsoft regarding billing; development of the actual game gadget became said by means of the builders to be entire.The tasks finances had surpassed $20 million by way of late 2010.

In november 2010, blueside introduced the development of a playstation three model, to begin with with a projected release date in 2012, bringing up the suitability of the ps3’s on-line mechanism’s for including updates.Kingdom Under Fire 2 PC download issues regarding the web xbox 360 version have been said to be under persevered dialogue with microsoft.Kingdom Under Fire 2 skidrow the sport became evolved with a video game rating of 15+, although the builders anticipated it could get hold of an 18+ rating due to the combat and battle factors.[12] a closed beta take a look at started in overdue 2011.

Kingdom Under Fire 2 free download PC game in november 2013, the developer blueside introduced the game could be launched for pc in korea within the next month, and that the sport changed into also in improvement for the ps 4.On the g-celebrity korean gaming industry convention (november 2013), producer sang-yoon lee announced that the game would be launched on pc in south korea, malaysia and singapore inside the next month.At g-celebrity sang-yoon lee apologised for delays to the game, explaining that the development were hampered through lack of half of its unique one hundred sixty character group, in addition to marketplace conditions in south-east asia, where the excessive pc specification necessities of the sport supposed a limited market for the product, requiring work to allow the sport to run a relatively low powered hardware (e.g. geforce 7600 portraits card); on the equal time a ps4 version of the sport turned into stated to be in development and anticipated to be entire by round may 2014.

Kingdom Under Fire 2 mmogasia introduced open beta for country beneath fire ii for might also 22, 2014.The developer discovered that there will be no information wipes after the release of open beta, so any development made at some stage in the checking out phase will convey over to full launch.within the spring of 2017 the launch in russia became introduced. Innova is to be the russian writer. [22] the cbt phase is anticipated in the fall of 2017, to this point there’s a teaser internet site.It become introduced on february twentieth of 2019 that the russian servers might be shut down on march twentieth of 2019.The builders stated this became because of operating on “new tasks”. Kingdom under fire ii wasn’t showed for abandonment, but may not be to be had for playing.

Features of  Kingdom Under Fire 2

It’s an mmorpg
Advantage degrees, earn enjoy: pick one in every of five unique heroes, grasp exciting missions as you get to the bottom of an unforgettable tale, craft epic tools and train up a powerful military.
It’s an rts
Master processes, win victories: your elite units stand behind you like a wall of steel, baying for the blood of your enemies.Take direct manipulate of a colossal war machine and dominate bersia’s battlefields in epic encounters!

Transfer to the rts view and command your troops.
Your choice
Pick a hero from 5 classes and best your abilties.
Hurricane the field
Reduce down hordes of enemies in epic-scale battles.
The gunslinger
The gunslinger effects switches among sword and pistols, using an array of combinations to attack individual objectives and unharness place of effect assaults.
The spellsword
The spellsword combines her magical runes to provide ever new attacks and healing spells, compensating for her noticeably shallow fitness pool with agility, sword and sceptre.
The berserker
The berserker stands proud in the carnage of struggle for his brute pressure and staying strength – an ultimate the front-line warrior capable of smashing enemy ranks with obliterating assaults.
The ranger
rapid and adept in each ranged and melee fight, the ranger reveals a charming array of capabilities with daggers, rapidly switching to her bow wherein necessary.
The elementalist
The elementalist is a skilled and versatile mage, able to channelling the electricity of the elements in both attack and defence. She will use her spells to summon partners to fight through her aspect.

More About Kingdom Under Fire 2 Fitgirl Repack

Kingdom Under Fire 2 Fitgirl Repack i have been following the improvement of state under hearth 2 considering the fact that long before i began writing approximately games. First announced in 2008, it become originally intended to be a flagship game for the xbox 360 in 2009. An bold warhammer-inspired hybrid of excessive fantasy mmog, rts and dynasty warriors-fashion hack n’ scale back motion, putting korean studio blueside at the map over again.

Absolutely, matters didn’t quite exercise session.After a decade of improvement hell and several attempts at loose-to-play launches around the sector ending in server shutdowns, new writer gameforge desire to present it one more move. Launching in english for the primary time on november 14, kingdom under fire 2 will now be a retail game priced at £26.99/€29.99/$29.99, although it’s nonetheless an mmo, and there will still be (commonly beauty) microtransactions to be had after launch.

As you could see from the new trailer above, the more decade of improvement hasn’t hurt it a whole lot within the looks branch, even though the heavy metal extra of the character designs feels a touch dated.Kuf2’s big battles and big monsters nevertheless have the ability to affect, particularly as you wade into the middle of it in 0.33-man or woman motion style. In addition to controlling your hero in dynasty warriors-esque fashion, each participant has strategic command over several regiments of troops.No longer a full navy individually, but in larger cooperative and aggressive battles, you’re looking at fights on par with total struggle: warhammer 2 at its most immoderate.

It is a formula that i had plenty of fun with back on the authentic xbox in kingdom below hearth: the crusaders (and its standalone enlargement, heroes), and i am excited to look if it still holds up in 2019.Still, the ones failed launches in other territories aren’t the maximum pleased of omens, however i’ve still got my arms crossed.

Even as i’m for my part retaining off till the dust has settled on this one, greater daring aspiring strategists can pre-order the sport thru gameforge’s professional page here, wherein you can also take a look at out some of the classes available to play, and the styles of troops you can recruit.Country below hearth 2 launches on november 14.

That was all on Kingdom Under Fire 2 Fitgirl Repack PC if you have any question related to this awesome game then feel free to ask down below in the comment section.

 

The Insurance Society of New York

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

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

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

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

Automation Empire Fitgirl Repack

Automation Empire Fitgirl Repack Free download PC game is a great repack to download and Install.In this Tutorial we will show you how to download Automation Empire Torrent.This game is highly compressed and is great to download on Android and iPhone.

Automation Empire Fit girl Repack is a free game.This game is developed by Automation Empire Igg games and published under the banner of Ocean of games.This awesome and great simulation game is also avalible on ova games and Skidrow games.

Companies: Ocean of games, igg gamesih,
Languages: RUS/ENG/MULTI11
Original Size: 17.7 GB
Repack Size: 5.2 GB

Download Mirrors

  1. Deactivate your Ad bloker
  2. Click on download link which is mentioned above
  3. Complete two offer (download or login two apps)
  4. Game will Start to download

How To download and Install Automation Empire Fitgirl Repack

Before you download Automation Empire Fitgirl Repack on PC we do recommend you to watch the game installation video.To avoid all sorts of errors.

Screen Shots (Click To Enlarge)

Click below to to enlarge these pictures after that make sure and we will recommend you to watch the game installation video.

About the game

Automation Empire latest Update is a simulation / management recreation all approximately efficiency and enlargement. begin with not anything, and increase a massive interconnected business network of factories and machines. in your price range transportation of resources can be vital on your achievement as an automation-engineer. utilize every tool you have get admission to to, such as mine carts, drones. vans, trains, and load rockets. rent your ingenuity and creativity to devise out an green logistics network of machines to shape a mechanical superorganism of manufacturing.

Automation Empire Game download harness your creativity to engineer a stunning device of clockwork precision. begin with simple “a to b” structures making use of easy transport drones, however later, increase the complexity of your transportation-line as you gather an interwoven mesh of tracks as a manner to allocate all of your sources exactly in which they need to head.
make it your mission to rout out all of the bottlenecks in your deliver-chain. extract and manner valuable metals and ores from the ground together with gold, iron, and coal. craft and refine your sources into greater valuable merchandise via using an optimized manufacturing facility production-line.

Automation Empire igg games upgrade your facility’s infrastructure as you discover new technology via harnessing the energy of the resources you extract. at some point of your engineering endeavors you’ll benefit get admission to to superior computerized machines and structures to be able to similarly compound your manufacturing capability.paintings around your planet’s certainly occurring geological formations and hard terrain as you combine your ever expanding business systems. seven exclusive planets, with differing biomes, every gift specific landforms you need to component into your base’s format.

 

Automation Empire ocean of games founded in 1998, empire automation is a cctv and get entry to manage structures integrator covering the asia pacific region and past. we offer integrated solutions to customers in multiple markets. with our awareness on gaming, manufacturing, cruise ships and large infrastructure installations, empire automation brings a wealth of expertise for your unique wishes. we firmly agree with that there’s no “one length suits all” answer.

Automation Empire Torrent Download our enormously skilled engineers, technical guide staff and management group paintings hand in hand to supply customized, completely included answers. encompassing session, layout, planning, set up, and protection works, we provide a top-rated and unique range of facilities and services to our clients.

Automation Empire has efficaciously designed, established, and maintained custom designed incorporated protection-control structures for customers in 15 international locations. our listing of a hit projects includes 34 on line casino establishments, more than one cruise ships and several massive “excessive-tech” commercial complexes for the duration of the asia pacific place and globally.

empire automation holds distribution and dealership agreements for the maximum superior get entry to control and surveillance technologies available within the international today. we will offer the solution for almost any patron need, irrespective of scale or complexity.Automation Empire Repack  this is what makes empire automation your first desire for the availability of dependable safety and surveillance solutions. empire automation has workplaces in malaysia, singapore, macau, vietnam and philippines.

 

Automation Empire PC download, empire automation is a cctv and get entry to manage structures integrator covering the asia pacific region and past. we offer integrated solutions to customers in multiple markets. with our awareness on gaming, manufacturing, cruise ships and large infrastructure installations, empire automation brings a wealth of expertise for your unique wishes. we firmly agree with that there’s no “one length suits all” answer.

Automation Empire ova games our enormously skilled engineers, technical guide staff and management group paintings hand in hand to supply customized, completely included answers. encompassing session, layout, planning, set up, and protection works, we provide a top-rated and unique range of facilities and services to our clients.

Automation Empire has efficaciously designed, established, and maintained custom designed incorporated protection-control structures for customers in 15 international locations. our listing of a hit projects includes 34 on line casino establishments, more than one cruise ships and several massive “excessive-tech” commercial complexes for the duration of the asia pacific place and globally.

Automation Empire holds distribution and dealership agreements for the maximum superior get entry to control and surveillance technologies available within the international today. we will offer the solution for almost any patron need, irrespective of scale or complexity. this is what makes empire automation your first desire for the availability of dependable safety and surveillance solutions. empire automation has workplaces in malaysia, singapore, macau, vietnam and philippines.

Enlargement packs for actual-time method video games are usually a piece of a chance. every so often you get super new content material that both enhances and elongates the unique recreation. this might encompass a new campaign, a sparkling faction or , and perhaps even a few rule tweaks and new multiplayer modes of play. different instances, however, you get a disappointing collection of odds and ends that have been held again from the original recreation for the explicit purpose of promoting them to game enthusiasts for more money six months or a 12 months down the road. expansions are nearly constantly at one excessive or the alternative; they rarely appear to be absolutely mediocre. till now, that is. empire earth ii: the artwork of supremacy walks the road between new content and reheated leftovers, mixing interesting additions, such as african tribes and a campaign at the dawn of egyptian civilization, with bland accoutrements, including the french civilization and multiplayer rules that no person will ever use. the builders at mad doc software program stability each top function in this expansion with some thing either uninspired or ill-recommended.

Take the 4 new civilizations and campaigns, as an instance. incorporating the maasai and zulu tribes into the present blend of 15 rts-preferred civs is definitely stimulated, as african civilizations aren’t regularly introduced to existence in an rts. the maasai marketing campaign is an modern tale approximately a war with an evil multinational organization over a newly determined electricity resource in 2037, while the zulu are featured in new ancient “turning factors” battles, which deal with the mythical conflict of rorke’s drift in 1879. and the brand new african location, which includes deserts, scrub plains, and plush jungles, is the setting for a marketing campaign set at the dawn of egyptian history.

But a lot of the african novelty is offset via the alternative two new civilizations, the french and the russians, and their been-there, done-that napoleonic campaign. those international locations have been featured in almost every historic rts ever made and might in all likelihood had been in the original empire earth in the event that they hadn’t been held again for inclusion on this expansion. the identical is going for the campaign, which pits the russians protecting against the french in a snowy struggle that any decent approach gamer has already fought more than one hundred times. mad document has included a civilization editor that allows you to create international locations from scratch, however that is nevertheless no excuse to ship the expansion with dull additions like these.

Give and take is apparent inside the two new skirmish/multiplayer modes as well. tug of war is a top notch concept that spreads the warfare over multiple maps (3, five, seven, or nine) that constitute each side’s home territory and the no-guy’s land between them. you start in neutral ground and attempt to force the enemy lower back to its hometown through victories on one map after another. this results in demanding, short bloodbaths or lengthy, epic conflicts, relying on how many maps you select to fight over. choosing three maps increases the stakes, as a unmarried loss forces you to conflict to your life, while selecting nine maps commonly ends in a drawn-out warfare with masses of ebb and go with the flow, victories and retreats. the best downside is that the general marketing campaign isn’t pretty seamless, as all gadgets are not transferred between maps (even though progress through the epochs and on the tech tree is, so you don’t need to start from scratch on every new map).

Automation Empire, on the other hand, is dull. that is a variant on regular hotspots play from the unique empire earth ii, with the handiest distinction being that the key locations right here are found out at the beginning of suits, and you win by using controlling them for a set time period. the game is supposed to imitate actual-world victory situations, wherein armies routinely win wars by way of conquering oil fields, ports, etc. and it does accomplish this objective, although it performs out so near the usual hotspots mode that you need to surprise what the factor is right here.

 

Rule tweaks and additions in the artwork of supremacy are up and down as properly. heroes don’t add tons of whatever, as devices seem to jump to this repute nearly randomly for the duration of battles. the asymmetrical-resources toggle well mixes up aid allocation, although this seems like a greater appropriate addition for a patch, no longer a variety. fealty mode in skirmish and multiplayer fits is thrilling, as it provides a medieval-style lord-vassal dating to provide dropping players a hazard to stick around as underlings. the handiest hassle is that this does not paintings nicely on line, as maximum dropping players do not need to live in games. they usually select the viking-funeral direction and cross down in flames–or definitely cease. so this mode would not appear to get a whole lot use.

Including impartial native tribes together with the iroquois and the olmec to maps makes more of a distinction to gameplay, even though it’s difficult to laud this selection too much as it type of copies an innovation previously visible in age of empires iii. right here, even though, you can assimilate these organizations and gain specific bonuses like warrior spirit, which helps you to produce infantry quicker, or fertility, which cranks up the population boom fee. tribes add a strategic option to video games as nicely, in that you need to decide among negotiating alliances with them to benefit energy-u.s.a.or wiping them off the map and seizing their homes. it can regularly be a higher concept to attempt to spoil tribes to prevent rival players from assimilating them than it is to trouble with the frequently-tedious chore of lining them up as allies.

Fitgirl Automation Empire In case you’re a hardcore empire earth ii fanatic, the art of supremacy might be a should-purchase. there are a reasonable range of enticing sweets in this package, and the brand new campaigns offer as a minimum seven or 8 hours of gameplay. more informal followers of the collection may want to maintain lower back for this one to hit the good deal bin, although, seeing that there is not some thing here that would be considered important, and the retail rate is a rather steep $30.

System Requirements for Automation Empire Fitgirl

Before you download Automation Empire Fitgirl make sure to read min and Recommended system Requirements.

MINIMUM:

    • Requires a 64-bit processor and operating system
    • OS: Windows 7/8/10 64-bit
    • Processor: 3.2 GHz Dual Core Processor
    • Memory: 4 GB RAM
    • Graphics: GeForce GTX 660
    • DirectX: Version 11
    • Storage: 4 GB available space

RECOMMENDED:

    • Requires a 64-bit processor and operating system
    • OS: Windows 7/8/10 64-bit
    • Processor: 3.2 GHz Quad Core Processor
    • Memory: 8 GB RAM
    • Graphics: GeForce 960
    • DirectX: Version 11
    • Storage: 4 GB available space

That was all on how to download and Install Automation Empire Fitgirl Repack.If you have any error during installation of this awesome game then feel free to ask down below in the comment section.

The Insurance Society of New York

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

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

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

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

Sniper Ghost Warrior Contracts Fitgirl Repack

Sniper Ghost Warrior Contracts Fitgirl Repack

Fitgirl Repack Sniper Ghost Warrior Contracts free download PC game is a great action game to play on PC.In this Tutorial we will provide you a direct link to torrent to download Sniper Ghost Warrior Contracts with out any charges .Sniper Ghost Warrior Contracts igg games is free to play.

Download Sniper Ghost Warrior Contracts from Fit girl repack tall it to your PC and play it.This game is also availble on ova games and skidrow reloaded.Sniper Ghost Warrior Contracts is highly compressed and is the latest update Sniper Ghost Warrior Contracts and the latest version of this game.

 

Remember to Deactivate your AD BLOCKER 

Screen Shots (Click To Enlarge)

Click below to to enlarge these pictures after that make sure and we will recommend you to watch the game installation video.

How To Download and Install Sniper Ghost Warrior Contracts Fitgirl Repack

Before you download Sniper Ghost Warrior Contracts Fitgirl Repack we highly recommend you to watch the game installation video and after that download this game on to your Sniper Ghost Warrior Contracts launches on PC, PlayStation 4 and Xbox One on November 22nd.

Overview of Sniper Ghost Warrior Contracts IGG Games

Sniper Ghost Warrior Contracts igg games is an awesome game below is the best overview of this awesome game.

Sniper Ghost Warrior Contracts Download Skidrow s the fourth passage in the sniper: ghost warrior arrangement created via polish company ci games. this time, the gamers are taken to siberia, in which they ought to dispense with stamped targets.

Further to the past sections within the arrangement, sniper ghost warrior contracts loose down load needs quick paced pastime not unusual for exemplary first-man or woman shooters. the players count on the activity of the principle rifleman and they input the foe domain with the mission of executing explicit targets.Sniper Ghost Warrior Contracts game ero isn’t a common commando that can without any help execute swarms of foes. consequently, retaining a strategic distance from discovery by using sneaking past adversaries or by means of shelling out with them quietly is of key importance.

Sniper Ghost Warrior Contracts 3, the game comes up brief on an open international. the designers targeting a step by step confined, packed information. in preference to a sandbox research, the game highlights shut missions with pre-determined objectives. be that as it could, more opportunity changed into given close to the missions themselves – they may be finished by way of utilising distinctive strategies. herbal risks that may compromise the invasion are a curiosity as properly.

Agreement framework is a tremendous oddity. the gamers are granted a specific measure of money for completing missions, yet they could likewise end aspect objectives and get a praise. each settlement can be finished generally. this empowers the gamers to accumulate more money and to strive diverse methods to cope with completing missions.Sniper Ghost Warrior Contracts game download.

sniper ghost warrior contracts torrent download highlights both singleplayer crusade and multiplayer mode.

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Haven’t carried out any innovative adjustments to the visuals of the game whilst contrasted with sniper: ghost warrior 3. as a substitute, they targeting enhancing the exhibition of the game, which include shortening the stacking instances.

maximum videogames don’t care, however it’s honestly very tough to use a sniper rifle. all of us who has performed the sniper elite series, or its shabby sibling the sniper ghost warrior collection, will realize there’s a honest bit of sitting around and (take a deep breath) mathematics worried. if you’ve ever sniped an enemy from afar in borderlands or future, you frankly don’t understand shit about handling a sniper rifle. even the battlefield collection, which has lengthy embraced the truth that one’s reticule placement does no longer necessarily determine the bullet’s vacation spot, doesn’t genuinely put together you for the ache that is actual sniping.

However sniper ghost warrior contracts, like its predecessors, desires to complicate things. i’m able to’t vouch for how those games measure as much as reality, for i have by no means fatally sniped an aggressor from a awesome distance. but for the benefit of absolutely everyone who has in no way played a sniper ghost warrior recreation, or a sniper elite recreation, you gained’t be short scoping here.

Performed on the right trouble, those games are simulators as opposed to shooters. in the event that they’re not strictly sensible, then they are attempting their first-class to capture the anxiety of getting to land a super shot the primary time.

Sniper Ghost Warrior Contracts Repack

Sniper Ghost Warrior Contracts fitgirl repack he trendy sniper ghost warrior lately. it’s ci video games’ “back to basics” installment after the said catastrophe of sniper ghost warrior 3’s open world trip (full disclosure: i never played it). there are 5 big sandboxes, every with five missions, and a number of these missions require assassinating a person, though now and again they require the retrieval of some item. it’s a stealth game at heart, you see. besides a stealth recreation with gloriously finicky sniper gunplay.
a few nefarious stuff is afoot in siberia, and the hero ought to try to stop it. i couldn’t get a manage on sniper ghost warrior contracts’ tale in the course of my arms-on, however it appeared like the standard bloodless conflict-technology stimulated stuff, simply greater technological (because it’s the future, now). there’s a small open world map, a handful of goals which may be tackled in any order, however the order might affect the manner you play. there also are mini-objectives that basically measure your effectiveness, and these inspire repeated playthroughs.

This is in which sniper ghost warrior contracts’ mild immersive sim elements come into the photograph, and i like them. for instance: in a single undertaking i’m informed to murder antastasia x alikhanova. the trouble is she has a frame double, and if you show up to homicide that body double first, the real anastasia x alikhanova will flee (and this is a serious sniping recreation, so good success taking them out in quick succession until you’re a genius). so while you come across those same npcs, you may must bet which one ought to be shot. however in case you came about to do some other undertaking first, you’ll analyze that Sniper Ghost Warrior Contracts frame double smokes cigarettes.

Gor you to exhibit how open-ended the gameplay became, the man or woman demoing the game for me located a very sneaky function from which to blow every up with a grenade. it’s feasible to do things messily, however in this example you need a lot of courage (or trial and errors), and of route you have to address the aftermath. the undertaking doesn’t stop while the goal is completed: you need to get out, too. nonetheless, it demonstrates that if you need to play the sport as grenade foghorn warrior, i think you may.as a staunch believer in sniper elite 4 (it’s considered one of my favourite video games of recent years), i enjoyed that sniper ghost warrior contracts is based in tons the same manner, besides it’s certainly less forgiving on the subject of managing the nominal sniper rifle. even on the game’s easiest trouble, bullet drop and wind trajectory must be taken into account, and at the same time as it appears onerous and problematic at the beginning, there’s a formulation at play. the real struggle comes in the typical stealth-oriented method to infiltration: marking enemies, identifying who have to pass first (commonly enemy snipers), and then moving ahead according to exceptional laid, quiet plans. if you manifest to land a superb shot, you’ll get the slow-mo bullet cam gratification (even though no gratuitous x-ray photos).

Sniper Ghost Warrior Contracts ouldn’t be a present day game without an improve tree, and that is divided into 3 principal classes: scouting, application and consciousness. more than one improvements include the capacity to see enemy vision cones, a sapper that whittles away the effectiveness of enemy turrets, as well as the standard boosts to health and stamina. there are gadgets too: anti-tank mines, decoy traps, turrets, and drones for some ubisoft-esque enemy marking. there are even guns apart from sniper rifles, the entirety from pistols to shotguns.

 

if you want matters to get messy, you can make them messy. precise luck with that, although.

Universal i was pleasantly surprised by way of the brief time i spent with sniper ghost warrior contracts. the sniper nerd subgenre is a always restrained one, and usual this installment doesn’t in reality upload anything groundbreaking to the system. nor will it in all likelihood boost sniper nerdery into mainstream adulation. but importantly, it feels demanding. anxiety is at the heart of a very good stealth recreation, and this has it in spades.

Whilst the preliminary gameplay monitor brought visitors to siberia’s wilderness, the modern-day trailer takes place in a harbor that’s positive to be a sniper’s delight. going by the name of black gold, that is the second one of 5 specific areas present in the game, each based totally on actual locations deep inside the heart of siberia. defined by using its extensive-open areas, black gold is the perfect locale to check out contracts’ modern sniping mechanic, the dynamic reticle machine, which allows gamers to better manage the ballistics and atmospheric situations of their each shot.

Sniper Ghost Warrior Contracts had the threat to strive out sniper ghost warrior contracts at the e3 two months returned, and he mentioned how the brand new system allowed the developer to shine the game extra.so, approximately contracts’ shape – the brand new method is exceptional as compared to io interactive’s current hitman titles. like the ones video games, the game is split into a series of self-contained sandboxes, every of that’s absolutely pretty massive, containing some of sidequests and opportunities to fool round. the ci video games men introduced up the extent map, displaying numerous mission staging areas in reality marked, and i might estimate the sandbox would take a solid little while to beeline across. in different phrases, contracts isn’t an open-world game, but, like hitman, its sandboxes are enormous and packed with matters to discover and do.

The new structure appears to have allowed ci video games to turn more of their awareness in the direction of polish. preceding sniper ghost warrior titles weren’t precisely lookers, however contracts’ visuals have been particularly attractive. if a person had informed me this become a brand new game from a big writer like, say, warner bros. interactive or ubisoft, i’d wouldn’t have had any reason to think they were mendacity. the sandbox i saw befell at night during a snow fall, and the lights and weather effects have been spectacular. the sport’s framerate additionally seemed to preserve consistent, even in the course of moments of extreme movement.

that experiment got here within the form of sniper ghost warrior 3, which developer ci games itself admitted were “too ambitious”. eurogamer’s sniper fan ian higton had quite lots to say approximately all that – in particular its 5 minute load instances, the lack of its deliberate multiplayer, and technical hitches.

contracts will as an alternative provide 5 discrete maps based on real-existence places in siberia – one of that is shown inside the new trailer above.

new to the sport may be scout drones, binoculars with integrated recon tech, special bullet sorts and an “augmented truth masks” to play around with. there may be point out of a unmarried-player marketing campaign and additionally multiplayer alternatives – arms crossed ci games has learned from its errors.

experience the last sniper gameplay, set towards the difficult terrain of the siberian barren region and providing a modern contracts device that encourages strategic questioning throughout engaging, replayable missions

warsaw, poland (august sixteen, 2018) — these days, ci video games announced the following sport in its acclaimed tactical shooter collection: sniper ghost warrior contracts. the identify takes its genre-defining sniping gameplay to the tough climates of the siberian desert and introduces a state-of-the-art way to play – the contracts system. the game features both single player and multiplayer modes, and is set to launch on laptop, ps4 and xbox one in 2019.

drawing upon community feedback, contracts can provide disturbing, challenge-primarily based situations with ci games’ pleasant sniping ever. that is all way to the new contracts gadget, which takes a step returned from sniper ghost warrior 3’s open world. within the single player campaign, players dive headfirst into tailored agreement missions that provide a clean primary goal with a fixed monetary praise, and feature the option to complete secondary objectives for bonus payouts. sense like you can do higher? jump lower back in and tackle the project from a extraordinary attitude — gamers can repeat each contract to earn extra cash.

contracts distills the core sniping gameplay that collection enthusiasts have come to like, providing dense, greater targeted maps that reward tactical questioning. with a wealth of non-compulsory goals to complete, the combination of open-ended missions and emergent gameplay make certain those scenarios are wildly replayable. couple this with the intense environmental barriers presented through the harsh, modern-day-day siberian barren region, as well as masses of methods to take down a extensive range of targets, and contracts gives sniping gameplay at its absolute first-rate.

“it is interesting to peer the crew virtually stimulated and working difficult on our next sniping sport,” said ci games leader govt officer, marek tymiński. “they don’t must start from scratch this time and can now – on top of growing new content – spend manner extra time on enhancing things they have already got.” this highlights ci games’ commitment to listening to their community and iterating on their comments.

tymiński endured, “we have been too ambitious in terms of the scope of sniper ghost warrior three, but we’ve learned from our missteps. sniper ghost warrior contracts might be extra targeted on emergent gameplay with an open-ended task layout that the crew feels sturdy approximately, but it will not be set in an open global. it’s far going to be a greater tactical, extra condensed enjoy and the game will provide plenty of replayability, both on the single player marketing campaign and at the multiplayer modes.”

all of that is coupled with a more optimized sport engine, minimizing load times and retaining a solid fps, keeping players grounded inside the wealthy, second-to-moment sniping gameplay. between the introduction of its siberian placing, a return-to-shape with an excessive venture-primarily based system, and sniping at its best, sniper ghost warrior contracts is locked and loaded to electrify style and primary-person fans alike.

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  • Play as a paid assassin; a hit man for hire, and beware of rival snipers who won’t hesitate to disrupt your best-laid plans.
  • Open-ended contracts, bounties and challenges deliver strong replayability options to eliminate targets and collect cash to redeem for upgrades.
  • An all-new Dynamic Reticle System offers the most realistic and intense sniping experience.
  • Upgradeable AR Mask with the ability to scan the environment and highlight weakness or objects of interest.
  • An arsenal of new gadgets to play with including drones, remote sniper turrets and gas grenades.
  • Show off your stealth skills, execute silent takedowns and be rewarded for a strategic play style.
  • Battle the brutal wilderness of Siberia and fight to survive the intensity of snow-covered mountains, lush forests and secret bases hidden deep in the mountainside

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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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Football Manager 2020 Fit girl Repack, your way. every choice counts in soccer manager 2020 with new functions and polished recreation mechanics worthwhile planning and development like in no way earlier than, empowering managers to develop and refine each your club’s and your personal precise identity.

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Football Manager 2020 ocean of games:We start with the aid of choosing one of the 2500 golf equipment from 50 international locations that we’d need to turn into an administrator of. there is as but nothing left for us to do but to assume liability for each part of the group’s running. all through the game we buy and promote players (there are over a massive part of a million proper names in the game), we address the players’ preparation plan, and we likewise set the strategies for the following video games. fits are an ordeal of our administrative abilties. while deciding, we should consider now not simply our membership’s file stability (on account that the monetary backing is constrained), yet moreover relations with the media and fans, who don’t generally need to just like the choices we make.

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Download Football Manager 2020 This time last 12 months we, like many others, declared soccer manager 2019 one of the nice instalments in the lengthy-strolling series. large strides had been taken, particularly in areas that were neglected for too lengthy, and the sport felt as welcoming to new gamers as it became nourishing for those who have performed the collection for nigh-on two decades. getting a game so right brings with it demanding situations though.

Install Football Manager 2020 the brains at sports interactive have always strived to pay attention to community comments and most of the annual upgrades come directly from the returned-and-forth with veteran members in their boards. it’s a dynamic that has worked properly for years and ensures the game is carefully tested by means of folks who hold a deep ardour for the collection. critics robotically ask why the community are the ones charged with testing football supervisor while it’s in its beta kingdom, but it’s comprehensible given the complexity of the sport. fFootball Manager 2020 is not an clean sport to choose up and whizz thru – at the least now not if you’re a micromanagement type who likes their fingerprints to be felt throughout their club. if you’re after something extra similar to the old championship managers then soccer manager contact – which is likewise available for smartphones and switch – may be greater to your taste. we, but, opt to depart no stone unturned and that’s the cause that simply getting via the primary few days of a season can take hours. so what’s inspired us to date?

Fitgirl Football Manager 2020 the development centre is the feature to be able to stand out most to players of the collection – subsequently a tab housing the whole lot you may likely need to understand approximately your younger gamers. kids improvement has constantly been at the middle of the series and the joys of being informed you’ve been fortunate enough to usher in a ‘golden era’ in no way receives antique it’s a smart circulate then, that sports interactive have brought a news item providing you with a indistinct appraisal of the teenagers crew players heading into the club, with out telling you their names or attributes.

igg games Football Manager 2020 makes the yearly young people consumption experience even more exciting than it already is. smarter still is the dynamic date of the teens intake. in which once it turned into a set day for the whole state, and absolutely a one-day-in-the-yr occasion, now it movements and shifts. it not best makes the identity of your membership feel more true to life, it approach exploitative managers used to hoovering up the fine skills on the equal day every 12 months may additionally battle to accomplish that.

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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