Halo The Master Chief Collection Fitgirl Repack PC

Halo The Master Chief Collection Fitgirl Repack free download PC game is near to it’s release.In this tutorial we will show you how to play Halo The Master Chief Collection Torrent.And we will also give you a gameplay. Remember this is a highly compressed version of this game and is the update and Repack of this game.We will also show you how to download and Install Halo The Master Chief Collection for free.

Download Halo The Master Chief Collection is a action game.This game is very famous and is released of Computer and PC.Halo The Master Chief Collection igg games and developed under the banner of Ocean of games.You can also download this game from ova games and Skidrow Reloaded. And if you want to download the repack version of this game then you can download it from blackbox repack.

Also the Apk for android and iPa for iPhone is also available to download .But in this tutorial we will show you how to download and install Halo The Master Chief Collection PC.If you get any error then feel free to comment down below in the comment section.

• EONIA FITGIRL REPACK
• SD GUNDAM G GENERATION CROSS RAYS Fitgirl Repack
• Transport Fever 2 Fitgirl Repack
• Halo MCC Fitgirl Repack PC
• Espire 1 VR Operative Download PC Game

Review and Game Play of Halo The Master Chief Collection Fitgirl Repack PC

As we promised we will give you a brief review on Halo The Master Chief Collection Free download PC so below is the brief review of this awesome game.

Halo Reach PC Firefight Flight – Halo Will Never Be The Same

Okay I have gone from skeptic to believer after playing in the Halo The Master Chief Collection PC fire fight flight which is incredibly difficult to say I’m on board I’m sold Halo The Master Chief Collection PC download on PC is absolutely amazing. I was getting to the point with waiting for these updates and just this long journey that we’ve been on where I’m not gonna lie my intensity of desire to play Halo The Master Chief Collection was waning it was going off the deep end until I got to play it this weekend and wow dude take your time do it right is the philosophy for sure because you guys this feels good halo is about to change forever I know it’s gonna be a long time before every game at Halo The Master Chief Collection Fitgirl Repack PC.

Halo The Master Chief Collection Fitgirl Repack PC let me just walk you through the experience of installing Halo The Master Chief Collection and then booting it up having an incredibly slick polished menu built in the Unreal Engine and then launching into reach on PC and it feels proper it actually feels proper are there a lot of bugs still in the build yes but, in terms of the way it actually feels the moving and the shooting oh my gosh it feels really good and when you stop and you just look at some of these visuals its drop-dead gorgeous the enhanced graphics setting is what I’m using in this tutorial on at 103 fov playing at 1440p and it absolutely feels like a premium PC experience aside from a couple of things this is still the Halo The Master Chief Collection free download of the game the menus are not fully fleshed out and like I said I did run into bugs throughout the time with the bill but that’s expected and plenty of the bugs were already known about here’s the gig though when I say that halo is about to change on PC forever as somebody who’s played a decent chunk of Halo 5 on the PC thing you know the free halo 5 forge which by the way not a lot of people know you can play halo 5 bringing on the Halo The Master Chief Collection download.

There’s custom games and there’s forge in there that doesn’t feel very good it has a lot of problems anytime somebody alt tabs the framerate drops it does not have great mouse and keyboard support unlocked frame rates are not a thing and then you transfer into Halo Reach what these guys have been working on now for a long time and it does feel good and it does feel like a PC title when I say that halo is about to change forever I mean having good polished Halo games on Steam is about to change the trajectory for this series I think look when it comes to Xbox one we know it wasn’t the best of selling consoles I think this generation is actually one of my least favorite and the 360 I have so many good memories up and I bet most of you players do unless you just started gaming since like the Xbox one ps4 generation ok and so coming in Xbox one Halo The Master Chief Collection igg games you have a sort of perfect storm of what the heck is going on in the Halo scene.

Right now like what what on earth is happening to halo from the juggernaut of 14 and a half million copies sold in Halo 3 being a household name now to a very niche title that a very small community appreciates the PC support for MCC igg games on Steam is gonna change all of that because finally you’re gonna be able to just have halo playable to everybody like PC gaming is incredibly popular in only growing at this point so to have an entire demographic of people to just go yeah let’s boot up Halo The Master Chief Collection ocean of games let’s go play together and it’s on Steam and it feels good and it runs good oh man it’s just exciting so what I thought during the firefight beta this weekend this flight that went on well I think it’s fun you know I’m amazed that Bungie hasn’t put anything like this in destiny right it’s been so so long and destiny like you got Menagerie and you’ve got prison of elders but they’ve never done just a firefight game of Halo Reach firefight if you’ve never played it it is not as challenging as it wasn’t ODST ODST was the first time it appeared in the Halo series and it was very hard in ODST was a survival based thing when it came to reach firefight it was more arcadey there was tons credit farming exploits.

The thing first came out and it really was more less a challenge more a just go goof off with your friends in sort of a PvE environment. Most people just did it for their weekly challenges and that still remains here in the fire flight fire flight yeah that works you got to play Fiesta fight and heroic and there’s I think energy or something a few of the like staple fire fight game modes and most of them are just go goof off with your friends for twenty thirty minutes none of them really brought that much of a challenge to the table but it did showcase that dang halo reach with grain removed is freaking gorgeous and some of the lighting effects and the stuff they’ve been doing under the hood for this title makes it really seemed like a great first option for Halo The Master Chief Collection ova games it made me excited I hope you guys are excited if you’ve not gone into any of these flights so far what do you got to do is you need to go to halo insider and sign up I’ll leave a link in the description below you sign up you list the times that you’re gonna be available you list the consoles you play on and then if you are active like if you’re actively playing Halo The Master Chief Collection skidrow, you generally have a higher chance of being selected for these flights I believe there is only one flight left that we’ve been told of and that is the multiplayer flight and I don’t know when that’s gonna come.

I’m imagining Halo The Master Chief Collection black box repack now as a November launch thing which I don’t know about you like yeah that’s late but I’m totally fine with it as we come into September in October there’s way too many other good big games out there to want to shove this and cram it right in between them I know diehard Halo fans like the sooner the better but for me let’s have a big hype in a nice space where people can take a breath from the giant onslaught that is September in October and then all group together and start playing Halo Reach in November it does make me crave new content in Halo there’s so much effort being put into mcc which is awesome but it’s also been almost five years since new Halo Ness since halo 5 obviously Halo The Master Chief Collection torrent download was sooner than that but you know what I mean it just feels like I want something new I love celebrating the past I love Halo Reach firefight is fun but reach for me on PC is gonna be a good time to go through the campaign again and then I’ll boot it up to play multiplayer Halo The Master Chief Collection fitgirl repack PC with my buddies but we’re still just playing an older title I want new and I know infinite is around the corner but 2020s feels a long long way away holiday 2020 feels like it’s ,just gonna be forever it’s gonna go fast and there’s gonna be stuff in between now and then I’m sure it’s just how life works but if you feel similarly let me know about it in the comments below because as awesome and as stoked as I am with all of this stuff it just makes me crave like ooh what if they actually like did a new story expansion.

Within Reach is engine they’re not going to Halo The Master Chief Collection repack I know pipe dreams but it still begs that emotion that tugging at your heart going man I’m craving something new but yeah it’s way better than I thought and if that’s all that I took away from this weekend man I was a bit of a cynic I was coming into thinking all right I think it’s gonna be an OK Halo MCC PC version now it plays well doesn’t mean that it won’t have a few shortcomings here in there I couldn’t really pinpoint it but again I wasn’t like really busy this weekend so I probably only put an hour two into the fire flight so let me know if you guys got in what you thought of it if you haven’t gotten in just yet and you haven’t signed up Halo MCC download insider stuff is all right.

Just just Halo MCC igg games stuff now yeah you want to sign up for halo insider stuff because infinite is going to be also included in insider things.

Xbox Fanboys FURIOUS That Halo is Coming to PC

I make fun of so many Xbox fan a lot on this channel maybe today we should even up the score within the last week or so three four three industries started allowing  to test out the PC version of Halo MCC ocean of games and holy shit it looks amazing look I’m a huge Bungie halo fanboy I grew up playing their games and Halo Reach was definitely the one I played the most of like on the list of games that I’ve put the most time into throughout my life Halo Reach is pretty far up there and once it drops on PC it’s just gonna rank even higher most people are pretty excited to get to play Halo on PC with the increased fov the higher frames mouse and keyboard support like I’m so excited.

The Xbox are out in full force on this one look I’ve seen some really toxic console fanboys in my time but this may honestly be some of the most toxic brainless anti-consumer shit I’ve ever seen from console peasants I’m serious and just for reference all these tweets are going to be responses to this tweet from hidden Xperia I will now pause the video for five seconds so you can go get alcohol before we start alright let’s go we’ll start things off simple with keyboard and mouse handicapped noobs because using the more precision based input device that almost everyone in the universe acknowledges takes more skill than controllers is for handicaps noobs very insightful one person pointed out that there were a lot of people angry about the game coming to PC to a Chicago muffin response Halo MCC torrent already has a struggling player base PC just makes it smaller there’s the possibility that you’ve gone right out of your mind what mental gymnastics do you have to do to make a game that’s available on one console making it available for another console and that somehow makes the player base smaller I am actually a little concerned for this person saying Halo MCC fitgirl repack is better on keyboard and mouse is irrelevant every first-person shooter is going to feel better on keyboard and mouse doesn’t take away.

The fact that Halo MCC pc download still feels pure played on the Xbox because that’s where it originated yeah they had us the first half I’m not gonna lie you’re gonna be seeing a lot of comments like this in this video of people saying that’s it originated on Xbox but that’s not even accurate.

The original Halo MCC ova games had a very interesting life cycle where it actually started as a Mac exclusive than being a PC exclusive and then when it finally did launch it was on Xbox and PC let me repeat that it was on Xbox and PC as was Halo MCC repack.

Halo MCC ova games didn’t become a console exclusive until halo 3 but yes let’s just go with what feels pure to you as the basis for what should happen I wonder if there’s anyone else who’s had that mentality Halo MCC black box repack is meant for Xbox though compelling argument but no the game was meant for many things other than Xbox and it used to be somewhere other than Xbox and now it’s just going back to that place and regardless of where it was originally meant for that doesn’t mean that it can’t go somewhere else oh don’t worry it gets worse halo will always be on xbox it doesn’t deserve to be on PC from X I capital G H 0 s TZ is that your gamertag.

From 10 years ago well Halo MCC skidrow always be on xbox yeah probably I don’t know why it wouldn’t be but as for it not deserving to be on PC I say it again it was already on PC the only reason the game was made in the first place was because it was originally going to be only on the PC but you don’t hear us saying anything about it halo on PC was a mistake and I’m correcting that OC 2 PC because this person spelled a two letter word wrong halo on PC was a mistake not changing my mind halo an xbox is my childhood PC just gotta ruin it I saw a lot of posts like this people saying oh it’s meant to be on Xbox it’s gonna be ruined on PC but why exactly is it going to ruin it because it’s going to look better and run better and be a lot smoother and have a lot more graphical options and have a lot more peripheral options and possibly have mod support and just be better overall with keyboard and mouse for Forge and for creation and for custom games geez a PC is gonna ruin it when halo likes a tweet that says their game was meant for keyboard and mouse it’s official that they have lost sight of what made halo halo unpopular opinion halo Infinite is gonna be trash yes because the official Halo Twitter liked this video saying that the PC version of Halo Reach felt really good to play that now means halo Infinite is going to be trash.

I swear to God so many people have no idea what they’re actually talking about for like the fifth time this video the games started on PC and now it’s just going back to PC if you think this is what made the devs lose sight of what made halo halo you have not pay attention the last few years Halo MCC free you were fine with those games but now that the games going back to PC I look three four threes lost sight guys this series is trashed now because it’s going to a different platform than just Xbox holy shit halo first launched on console not PC got it launched first on console but it was made first on PC and it came out pretty quickly afterwards on PC where it was released to the public first isn’t very relevant the PC port was inferior and it’s well documented actually no I’d much prefer the PC version of Halo 1 halo 2 maybe there’s an argument there cuz the halo 2 port was a little wonky but combat Evolved no the PC version of combat Evolved is better fun facts one of the first PC games I ever played was combat Evolved on my friend Mateos gaming laptop.

I was in like third grade maybe whatever happened to Mateo hmm honestly wish 343 would just get on and sort out at MCC on Xbox first as well as bringing reach to MCC on Xbox screw PC alright you were with me until the screw PC part I will admit one of the reasons why I’m a little a little with the MCC on PC is the fact that the Xbox version still hasn’t even totally been fixed yet it just feels a little odd that they’re putting all these resources into making the PC version when the Xbox version still has some problems then again I’m happy to eat my words if they you know release a big patch with the reach update, that makes the Xbox version the way it should have been on day one and releases the game on PC so I’m hoping that’s what happens but as for the last part of this tweet no actually you can do better with a controller an Xbox the difference is that FPS of PC makes look more perfect the difference it’s that FPS of PC makes look more perfect stunning wording yes poetry I know I think what they’re saying here is that you can do better with controller than mouse and keyboard which I’m not doubting for a second but the reason why Mouse and keyboard is perceived as better is because of the FPS on PC which is just wrong for like a million reasons I tend to disagree it’s made for Xbox actually and by putting it on PC this makes PlayStation players able to play Halo MCC without having to worry about it being on Xbox only .

So who he lost our dignity just buddy it’s a game it’s a game oh my god let’s just break this down I tend to disagree well you either disagree or not this is kind of a yes-or-no thing it’s made for Xbox actually it didn’t used to be no it used to be made for both and by putting it on PC this makes PlayStation players able to play Halo without having to worry about it being on Xbox only well this might come as a shock but yeah that’s a good thing more people playing games and more people having access to exclusives that’s good for the industry that’s good for the companies involved that’s good for the gamers it’s good for everyone more people being able to play more games as always good I hate exclusives I’ve made that pretty obvious on this channel I hate the idea of exclusives and as much as I make fun of Xbox fanboys and PlayStation fanboys and even sometimes a PC elitist here or there I don’t care what you play on I will always advocate for Less exclusives regardless of the platforms and regardless of whether or not I personally play on those platforms I just think that’s what’s best for the industry but as for losing your dignity given the fact that you’re this concerned about other people getting to play a game that you like makes you think you didn’t have much dignity to begin with you say that but based on people I’ve talked to Mouse Amon combat Evolved.

On PC halo online etc exacerbates the existing balance issues with precision weapons being over dominant since they benefit from the increased precision of mice whereas the high speed autos don’t benefit at all this is not a toxic comment by the I just wanted that to be very clear I’m not putting this comment up here because I think it’s toxic I’m putting up here because I think it’s actually a good point to bring up and it’s something that I’ve actually thought about precision weapons in Halo have always been very powerful the sniper the DMR the battle rifle the needle rifle and reach if you knew how to use Halo MCC and looking at this gameplay of Halo Halo MCC on PC.

There is a thought in the back of my head that you know maybe precision weapons will be a little too dominant but the more I think about it the more I believe that it’s not really going to be too much of a problem I think the only difference between reach on the Xbox and reach on the PC it’s just the PC versions just going to play faster I think just the meta is going to be a lot faster but I think that’s really gonna be it it’s kind of the same thing going from call of duty on console to Call of Duty on PC the meta is pretty much the same it’s just a lot faster and I think that’s what’s gonna happen here this is probably the most inaccurate statement I’ve ever read regarding Halo someone can’t aim with the controller apparently oh geez know where the game is meant to be played.

Oh boy because apparently preferring to play first-person shooters with the mouse and keyboard means you can’t aim with a controller and also apparently oh jeez know where the game is meant to be played which was Xbox and PC you probably never actually played halo 1 so what am I saying yon it’s not just meant for mouse and keyboard did you actually just type out yon like it’s fucking 2006 until all the keyboard and mouse players complain about l2 yeah you have never played halo for those who don’t know l2 is a thing on controllers we’re basically spamming l2 or left trigger which is normally your aim down sights button some games when you spam l2 it will reset the auto aim or reset the aim assistant basically assist you and kind of give you a little bit more Target Lock so l2 spam is really common in games like fortnight or Call of Duty but not only is l2 the grenade button in every Halo game but Halo 5 is also the only Halo game to even have a tee yes this man has never played halo mouse and keyboardist for the most not enough skills in other words it makes aiming far too easy and thus cheapens the experience oh boy alright I might as well just explain this since so many people were bringing up and apparently don’t actually know anything about this aiming with the mouse and keyboard takes a lot more getting used to than a me with the controller in my opinion I think there is an argument to be made that it is easier.

However it doesn’t stop there when you’re aiming with a mouse you can use your wrist you can use your entire arm you have so much more movement and so much more precision with the sensitivity with the DPI then you do with a single thumb on a thumb stick with a set sensitivity this is why when you watch shooters on consoles shooters on PC it’s night and day with the way that it’s played because just the skill ceiling is so much higher so going back to what I said before I do think it is easier to aim on mouse and keyboard just because you’re not limited so much and the controller is just so restrictive on your aim mouse and keyboard allows skill to shine a lot more and that’s what makes the skill gap a lot bigger in PC games so that was a little bit review on Halo MCC.

That was all on a very interesting topic Halo The Master Chief Collection Fitgirl Repack PC if you have any question related to this topic then feel free to ask down below in the comment section.Also if this tutorial helped you then you can share it with your friends.

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.

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