The Emerald Tablet Fitgirl Repack

The Emerald Tablet Fitgirl Repack Free Download PC Game

The Emerald Tablet Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install The Emerald Tablet Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download The Emerald Tablet Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download The Emerald Tablet igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

The Emerald Tablet for Android and iOS?

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

Also Read:

How To download and Install The Emerald Tablet

Now to download and Install The Emerald Tablet for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

  1. First you have to download The Emerald Tablet on your PC.You can find the download button at the top of the post.
  2. Now the download page will open.There you have to login .Once you login the download process will starts automatically.
  3. If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
  4. Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING The Emerald Tablet Download

Screenshots  (Tap To Enlarge)

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

The Emerald Tablet Review ,Walkthrough and Gameplay

It’s time to give you an honest review on The Emerald Tablet .This is one of the best game to play on PC.

The Emerald Tablet free download PC game, the history of the tablets translated in the following pages is strange and beyond the belief of modern scientists their antiquity is stupendous dating back some thirty six thousand years BC the writer is Thoth an Atlantean priest-king who founded a colony in ancient Egypt after the sinking of the mother country he was the builder of the Great Pyramid of Giza erroneously attributed to she ops in it he incorporated his knowledge of the ancient wisdom and also securely secreted records and instruments of ancient Atlantis for some 16,000 years he ruled the ancient race of Egypt from approximately 50,000 BC to 36,000 BC at that time the ancient barbarous race among which he and his followers had settled had been raised to a higher degree of civilization Thoth was an immortal .

That is he had conquered death passing only when He willed and even then not through death his vast wisdom made him ruler over the various The Emerald Tablet igg games including the ones in South and Central America when the time came for him to leave Egypt he erected the Great Pyramid over the entrance to the great halls of The Emerald Tablet ocean of games placed it in his records and appointed guards for his secrets from among the high christ of his people in later times the descendants of these guards became the pyramid priests .Thoth was defied as the god of wisdom the recorder by those in the age of darkness which followed his passing in legend the halls of Amenti became the underworld the halls of the gods where the soul passed after death for judgment during later jeez the ego of thoth passed into the bodies of men in the manner described in the tablets as such he incarnated three times in his last being known as Hermes.

The thrice born in this incarnation he left the writings known to modern occultists as the Emerald tablets a later and far lesser exposition of the ancient mysteries the tablets were translated in this work The Emerald Tablet repack download which were left in the Great Pyramid in the custody of the pyramid priests the ten are divided into thirteen parts for the sake of convenience the last two are so great and far-reaching in their import that at present it is forbidden to release them to the world at large however in those contained hearing are secrets which will prove inestimable value to the serious student they should be read not once but a hundred times for only thus can the true meaning be revealed a casual reading will give glimpses of beauty but more intensive study will open avenues of wisdom to the seeker but never word as to how these mighty secrets came to be revealed to modern man after being hidden so long some thirteen hundred years The Emerald Tablet fitgirl repack.

That was all on The Emerald Tablet fitgirl repack free download PC game.If you have any question related to this topic then ask down below in the comment section.

The Insurance Society of New York

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

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

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

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

Hand Simulator Survival Fitgirl Repack

Hand Simulator Survival Fitgirl Repack Free Download PC Game

Hand Simulator Survival Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install Hand Simulator Survival Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download Hand Simulator Survival Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download Hand Simulator Survival igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

Hand Simulator Survival for Android and iOS?

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

Also Read:

How To download and Install Hand Simulator Survival

Now to download and Install Hand Simulator Survival for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

  1. First you have to download Hand Simulator Survival on your PC.You can find the download button at the top of the post.
  2. Now the download page will open.There you have to login .Once you login the download process will starts automatically.
  3. If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
  4. Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING Hand Simulator Survival Download

Screenshots  (Tap To Enlarge)

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

Hand Simulator Survival Review ,Walkthrough and Gameplay

In this section of the article I will give you an honest review and game play of this awesome game.Hand Simulator Survival free download PC game is free to play.

Welcome back to another Hand Simulator Survival download, so last night I was back on Hand Simulator Survival igg games, trying to see if we get some cool interactions or some people like we always do and having some fun at the same time.Now I love making these videos but I was actually thinking the other day that maybe you guys could actually set some challenges up for hand simulator I fought some of my own.

I will put them into videos I’ve done them before I think that we could probably make Hand Simulator Survival repack download more of a series kind of thing that we could do just in the meantime while I do other stuff with the channel anyways I did come across this guy last night he was pretty intense at the game and I’ll let you guys see that in a second but apart from that let’s get straight into it let’s go.

I’m gonna go to Mexican standoff you want to touch hands with me should we touch hands before we fight there we go that’s sir rub it against me there we go I like that skin a glassed you want to touch hands with us you want such hands of me and vortex put your finger in that in that hole right there one finger just one. I’m delicate I’ll avoid whoa you drunk or something here we go that’s there we got a boy right let’s get into it oh wait have they changed in it why were the bullets upside down they’ve changed the gun see oh maybe there are people complaining about sir hang on this is this is new why they done this okay right switch to the other hand oh no use it I forgot Hand Simulator Survival fitgirl repack.

Okay it’s been a week it’s been a week since I’ve laid hands emulator so this is gonna be a little bit rusty just a little bit rusty today not just a little bit how are they how do I do this now No okay try this one no this one what why is it so hard a sudden yeah got it my bullet can I just like hello oh can you hear me oh hello yes it’s so hard to grab these bullets pick one or two one dies two lives Hand Simulator Survival highly compressed.

OH two lives okay right and go for this guy then loud apparently you’re bulletproof main there’s blood all over the wall but you just you’re fine you’re fine you just walk that off get a few lessons slow at the shot my gun wait shot this is it this is Tim I did my bullets fall out no no no it didn’t you know you can stop laughing for a start that did not fall out there is no way my bullet fell out at the Sun there’s definitely a bullet in here I can see it okay ready but this properly or not so I’ve got this is this that much is this aiming at my face right now yeah it’s aiming right at your forehead okay let me uh let me give it a few words my gun works only on me let’s find this one this one is plenty echoes in here I’m also going to teach you guys how to do this very very easily and quickly okay as well so I think people like it tutorial on this so I kind of like tell you guys how to do quick method in this one sorry I’m so blessed inner Hand Simulator Survival torrent download.

That was all on Hand Simulator Survival fitgirl repack free download Pc game.If you have any question about this game then comment down below in the comment section.

The Insurance Society of New York

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

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

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

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

Spintires Chernobyl DLC Download

Spintires Chernobyl DLC Download PC Game

Spintires Chernobyl DLC Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install Spintires Chernobyl DLC Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download Spintires Chernobyl DLC Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download Spintires Chernobyl DLC igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

Spintires Chernobyl DLC for Android and iOS?

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

Also Read:

How To download and Install Spintires Chernobyl DLC

Now to download and Install Spintires Chernobyl DLC for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

  1. First you have to download Spintires Chernobyl DLC on your PC.You can find the download button at the top of the post.
  2. Now the download page will open.There you have to login .Once you login the download process will starts automatically.
  3. If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
  4. Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING Spintires Chernobyl DLC Download

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Spintires Chernobyl DLC Review ,Walkthrough and Gameplay

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

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

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

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

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

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

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

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

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

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

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

How was Spintires Chernobyl DLC fitgirl repack?let me know down below in the comment section.

The Insurance Society of New York

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

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

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

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

Pretty Angel Download PC Game

Pretty Angel Download PC Game

Pretty Angel Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install Pretty Angel Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download Pretty Angel Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download Pretty Angel igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

Pretty Angel for Android and iOS?

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

Also Read:

How To download and Install Pretty Angel

Now to download and Install Pretty Angel for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

  1. First you have to download Pretty Angel on your PC.You can find the download button at the top of the post.
  2. Now the download page will open.There you have to login .Once you login the download process will starts automatically.
  3. If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
  4. Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING Pretty Angel Download

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 Now if you are interested in the screen shots then tap down on the picture to enlarge them.
Pretty Angel Download PC GamePretty Angel Download PC Game
Pretty Angel Download PC GamePretty Angel Download PC Game

Pretty Angel Review ,Walkthrough and Gameplay

The most favorite part of this article is here,In this section of the article I will give you an honest review on Pretty Angel Free download PC game,Not only just review I will also give you walkthrough or you can say play through of this awesome game and at the end of this tutorial I will share gameplay of this awesome game.

Pretty Angel download is developed by Robert Rodriguez and produced by James Cameron, who has had the rights for this forever. I remember back in the day reading about what he might want to do with this project getting very excited about it for years and then eventually I just lost all hoping and ever being made I’ve always loved Pretty Angel torrent download PC game, manga I think it’s brilliant really influential stuff check it out sometime if you haven’t it’s readily available in just about every major bookstore and this film tells the story of Aleta a cyborg found in a scrap heap by Christoph Waltz’s character doctor.

II do he’s known for repairing damage to cybernetic limbs but in this case he completely reconstructs her body and when she comes back to life she has no memory of her past self but she is able to do incredible things and we get to watch her journey as she discovers who she is for anime fans we live in a very exciting time not only is it readily available to us at our fingertips but anime adaptations are happening.

In the United States we’ve had the ghost in the shell’ film this year we have the Pokemon detective film and now we have Pretty Angel igg games angel people are noticing just how much of a market there is for this and gratefully people are noticing who actually care this is by no means a Pretty Angel ocean of games, it certainly has a lot of narrative issues and it has some pacing problems some characterizations that didn’t really work for me some relationships that didn’t really work for me but it’s clear watching the film as someone who loves the manga and who really loves this character that Rodriquez and Cameron really gave a shit they tried super fucking hard to make a damn good Pretty Angel repack, the world is gorgeous the effects are spectacular they’re some of the best I’ve seen the motor ball sequences which in this film as in the manga it’s the sporting events.

Where people have his metal ball and they’re basically going around a racetrack and it’s very violent and people can get hurt and killed and those sequences aren’t seen they’re so thrilling and so well done that just those scenes alone I feel like they’re gonna please a lot of fans of the manga there’s narrative things that have been changed nothing super drastic.

The core aspects of the manga and what it’s about and the characters in it are translated here to this film beautifully this really feels like elitist world on the big screen and and the things within it some of the more subtle nuances of the manga about the way society views each other the higher society and then people who are on the lower part of the world where they want to go to Pretty Angel skidrow, so badly where everything is kind of like Elysium you know we’re like everything up there just seems like this otherworldly heaven that they can’t even comprehend those themes are retained.

Here pretty well although sometimes the film does fall back to action and wanting to be very action heavy with tons of fights it’s not as cerebral as girls in the show or as ponderous but it’s a lot more action heavy it doesn’t have as much to say about the human condition as ghost in the shell’ did but this movie is a lot more concerned with entertaining you I was able to see the Pretty Angel PC download, 3d for the screening and during certain sequences the aspect ratio expands and you get a better view of the action sequences and similar to James Cameron’s Avatar I would recommend seeing this film in 3d if you get a chance because I think it added quite a bit to it and I’m not really a purveyor of 3d .

I don’t really care that much about it but in this case I think it added a lot there’s a central romance in the film that came off a bit cheesy and a little melodramatic and it didn’t really work for me all the time I didn’t really believe it necessarily as far as the villains as well there’s something that’s used in the movie where the main bad guy is Nova who’s up on Pretty Angel fitgirl repack download and he’s controlling people and speaking through them in a way and so you never really get the sense that he’s all that involved he’s kind of like the emperor.

You know like you’ve heard about him but you don’t really get to see that much of him until Return of the Jedi and then you’re like okay I see how he’s had his hands and all these things and so some of the confrontations in the film between good and evil felt a little one-dimensional because I didn’t really feel the villain as a presence because this Pretty Angel download definitely wants to make other films in the franchise which for some.

That was all on Pretty Angel download free PC game,If you have any question then comment down below we will love to help you on this.

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

DOOM Eternal Fitgirl Repack

DOOM Eternal Fitgirl Repack Free Download PC Game

DOOM Eternal Fitgirl Repack Free Download PC Game final version or you can say the latest update is released for PC.And the best this about this DLC is that it’s free to download.In this Tutorial we will show you how to download and Install DOOM Eternal Torrent for free.Before you download and install this awesome game on your computer note that this game is highly compressed and is the repack version of this game.

Download DOOM Eternal 2020 Fit girl repack is a free to play game.Yes you can get this game for free.Now there are different website from which you can download DOOM Eternal igg games and ocean of games are the two most popular websites.Also ova games and the skidrow reloaded also provide you to download this awesome game.

DOOM Eternal for Android and iOS?

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

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How To download and Install DOOM Eternal

Now to download and Install DOOM Eternal for free on your PC you have to follow below given steps.If there is a problem then you can comment down below in the comment section we will love to help you on this.

  1. First you have to download DOOM Eternal on your PC.You can find the download button at the top of the post.
  2. Now the download page will open.There you have to login .Once you login the download process will starts automatically.
  3. If you are unable to download this game then make sure you have deactivated your Ad blocker.Other wise you will not be able to download this game on to your PC.
  4. Now if you want to watch game Installation video and Trouble shooting tutorial then head over to the next section.

TROUBLESHOOTING DOOM Eternal Download

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DOOM EternalDOOM Eternal

DOOM Eternal Review ,Walkthrough and Gameplay.

One of the most awaited game in 2020.In this section of the article I will try to cover every thing about DOOM Eternal free download PC game.This is one of the best game of DOOM Eternal 2020.Now in this article I will give you a complete review ,a walkthrough or you can say a complete play thorough of DOOM Eternal.

I love all of you guys to death I really do but anyways enjoy the article. I’m going to do right now one of the many things I am liking so much about the development of doom eternal it’s just how much customization you are going to have within the game it’s software is really going out of its way to make sure that you can experience the story of to maternal the way you want it to be on December 10th Bethesda revealed on a doom 64 DOOM Eternal download, a new DOOM Eternal gameplay for DOOM Eternal pc download, which I already did a video about the atom the level of customization the hood is going to have and also revealed how the skins you are earning.

In the Sears Club look at some new options in your campaign that we have never seen before like ever and also a little tease about what’s going to come on January prior to release of doom eternal first of all let’s talk about the DOOM Eternal igg games skins they showed and believe me one thing was seeing them concept illustrations but now seeing them running in game is just amazing anyways I forgot something it’s not 69% it’s 68.2% ,

But 68.2% of the viewers that watch my videos every single day are not DOOM Eternal ocean of games, Slayer stop his crusade against the demon horde the goes to pain elemental I love how detailed the model is of the pain elemental in the past and I mean like decades ago with the classic doom games we couldn’t quite make the form of the pain elemental but now seeing it in full 4k we can now see just how monstrous it can be imagine being bitten by this dude I wouldn’t like that zombie man Cuba’s another zombie variant for one of the characters within doom the DOOM Eternal torrent download.

I know Hugo Martin had something to do with the name he worked on Pacific Rim for God’s sake the Imperial Marauder now you know what I’m going to be rocking for my mother skin in battle mode this looks clean elegant like he came straight from the side of an emperor or a Demon Lord and DOOM Eternal repack doesn’t it give you an LA no Bible I get that feeling from watching him and well a little Easter Egg his chainsaw has a dope saw and grained on it and that’s pretty dope no pun intended the Indigo do marine the bronze do marine and the red and do marina first of all let me say just how menacing the do marine skin looks something about the visor makes him look so badass and I do not know he just looks so sOooo he looks more like a DOOM Eternal fitgirl repack than a bodybuilder in my opinion in comparing the super shotgun to his body the super shotgun seems to be massive.

I know that like it feels by heavy it like it’s like we can see the wave of the super shotgun because my god it’s really massive and big and I know what you did it’s after a red space marine just named him a bloody angel that would have been really cool to be honest I think all of the screens look fantastic and my favorite was the Imperial Narada which one was yours please let me know down in the comments section some people have been talking about how this could be the scapegoat or the wafer Bethesda to have DOOM Eternal ova games in to do mature now and of course microtransactions in any game ever are pretty bad but I’ve said this before already cosmetic only DOOM Eternal skidrow reloaded are fine and I would like to see more skins for the dooms layer into mature now of course I would prefer if I could earn a super ultra rare skin that you can only earn by completing some super ultra hard challenge like completing the maternal on ultra nightmare with or a pistol or something .But yes cosmetic only microtransactions are pretty much the only thing that atom community will accept in the game and oh boy this is one of the things that have me curious the most apparently in doom eternal you have the option to activate sense no armor and empower demons – apparently sentinel armor is only activated when you have been defeated by the same boss like I don’t know five times in a row even though I know that the players are not noobs.

They cannot be DOOM Eternal pc download, this could be really helpful for people that are playing on harder difficulties like ultra violence for nightmare for the exception of ultra nightmare and give them that little boost that they need to be the demon boss I do not think it’s going to work like a trump card where you become completely invincible at the point that the boss will not be able do anything against you because that will completely break the game to be honest I think that what it’s going to do is just give you a little boost on your HP armor and damage output or and this one is the cool one will you become a full-fledged Knight Sentinel with Sentinel armor and everything you pull out the crucible and take the paddle up close and personal against the boss I think that would be really cool honestly we haven’t seen how we’re going to use the crucible in eternal but this could be a hint to it and next are the empowered demons apparently they are powerful demons that are going to spawn throughout the levels something like the elite squad of hell the way I take it is that the empowered, demons are a different version of the current demons we have we can have a normal baron man cheapest brawler m4, whatever and at the same time the empowered demons are going to be an elite baron man keep this brawler or MP with more HP they’re going to be faster and with increased damage.

I could really see that happening if you want to make your campaign as hard and challenging as it can be then you will take this option to be honest and you will uncheck the option of Sentinel armor and of course with a different look of course the empowered parent of hell is going to look different as the normal baron of hell I know it’s stupid but it can be something like a halo on their heads carmaker is supposed to be an angel and he is still working with hell despite that so empowered demons could just be demons empowered by heaven or they could be angels as well or it could just be invasion mode like instead of activating and deactivating invasion mode in the main menu before the game begins or before you do your run of the campaign you can activate or deactivated in game this option alone could make wonders because in all honesty what a drag it would be to have to go to the main menu just to D just to activate an option like it’s not that bad but we can already change the typical T in game.

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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