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Seven Days Fitgirl Repack Free Download

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Seven Days Fitgirl Repack Free Download PC Game

Seven Days 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 Seven Days 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 Seven Days 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 Seven Days 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.

Seven Days for Android and iOS?

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

Also Read:

How To download and Install Seven Days

Now to download and Install Seven Days 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 Seven Days 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 Seven Days Download

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

Seven Days Review ,Walkthrough and Gameplay

Time to give you a honest review on Seven Days free download PC game.In this section of the article I will give you a walkthrough and game play.

At first glance Seven Days download PC game, looks like an old-school RPG game reminiscent of the Diablo franchise but you will find it as instead a stealth game and a decent one to boot let’s jump into this newly released title by fools theory and see what it’s all about story and setting Seven Days igg games has a wasteland vibe.

That will remind players of classics like fallout or Mad Max the world has been destroyed and rebuilt with people gaining power from an ancient artifact the game can make you feel nostalgic for other wasteland titles with its barren but dangerous landscapes and fall of education leading to the suffering for the populace and it’s cruel and mysterious ruler you begin your journey hoping to be the hero and savior of the ruined world as the game progresses your character takes on a quest to seek freedom and joins forces to rebel against this tyrannical ruler whilst world building seems to have been done with care and attention to detail the story is unfortunately rather straightforward so some may not find it as engaging characters are somewhat one-dimensional and players will likely be able to predict the ending which they do get to influence with their choices 7 focuses on stead on gameplay.

Relegates questing to fetch quest style this can be enjoyable for those who are truly engaged by the stealth mechanics but core Seven Days ocean of games, players may find it disappointing you can expect your Seven Days torrent download to last about 10 hours without side quests and 30-plus to complete all content which is slightly above average for this price point Seven Days fitgirl repack this aspect of the game heavily encourages infiltration and stealth mechanics rather than combat which can be Seven Days pc download, for those expecting in-depth encounters with a limited number of enemy types and with a more limited arsenal than you would encounter in other games one could be initially fooled into thinking the game is a boring grind instead the push for stealth signs a light on a truly unique approach to the genre that is really enjoyable on its own instead of practicing moves and farming for better equipment in this game you need careful preparation and planning will you use decoys to distract guards set traps to get rid of patrols or will you assassinate the enemies so they can’t sound the alarm in seven these are the choices you must face regularly or an interesting addition to an isometric RPG.

To say the least unfortunately on the occasion you do find yourself an open combat things can get ugly very fast it feels like a button masher with limited combos and you don’t have dodge or block except jump away from enemies so once you’ve been swarmed by the guards you are pretty much finished luckily though there are not many scenarios that force you to fight a second issue with open combat is the Seven Days free download PC game who only aggro within a restricted zone so we’ll ignore you if you run out of their designated area this creates a somewhat exploitative situation as you can lure them out one by one making the infiltration very boring and downright cheesy.

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

The Insurance Society of New York

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

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

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

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

Fitgirl

Lumberjack Simulator Fitgirl Repack

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Lumberjack Simulator Fitgirl Repack Free Download PC Game

Lumberjack Simulator 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 Lumberjack Simulator Project Eden 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 Lumberjack Simulator 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 Lumberjack Simulator 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.

Lumberjack Simulator for Android and iOS?

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

Also Read:

How To download and Install Lumberjack Simulator

Now to download and Install Lumberjack Simulator 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 Lumberjack Simulator 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 Lumberjack Simulator Download

Screenshots  (Tap To Enlarge)

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

Lumberjack Simulator Review ,Walkthrough and Gameplay

Now it’s time to give you a honest review on Lumberjack Simulator free download PC game.In this section of the article I will also give you a game play and also I will show you how to play Lumberjack Simulator.The release date of Lumberjack Simulator is 13 dec 2019.

Welcome back to yet another simulator game this time it is Lumberjack Simulator highly compressed repack, we can buy a bunch of vehicles here today and make some big ol money buy howling and some video logs good to see you all back welcome everybody thank you very much for leaving like and supporting the channel and if you want to see more of this make sure you do leave a like and of course glory to rap, Toria down below in the comments section we’ve got quite a few different pieces of equipment in order to haul logs back here to the HQ.

Turn them into some wonderful lumber and of course some wonderful profits so we’re going to I guess pick some small pieces of equipment here to get started and then we’ll be able to work up to the big boys as you can see here we’ve got all sorts of things including long skitters and tree cutters and even a pickup truck, so I suppose we better get started and bringing in some logs now first of all I want to try cutting down a tree. I haven’t really done this yet before so we’re gonna see where exactly we need to bring the logs to in order to make cash and then we can actually buy the vehicles here on our property. I know we own all this stuff seemingly because it’s on our property but actually we have to throw this at it a little wad of cash that we can start purchasing things such as this coupling here for our Lumberjack Simulator free download PC game, or fenders or even wow that actually looks like to be an extension to the logging trailer so anyway let’s go ahead and try to buy something here and get started we’ll start with our small little pickup truck here for $25,000 we started with a Lumberjack Simulator igg games and we bought our pickup truck so let’s drive around a little bit.

How Lumberjack Simulator ocean of games works? first of all the game is pretty cool in terms of the little graphics of the mud I check this out we can actually get stuck in the mud a little bit and then go muddin with our pickup truck and also we have differential lock too and so it’s a little bit like spintires mud runner and of course when you’re hauling a trailer or something like that through the mud you’ll have to throw on the differential lock and make sure that you’re not getting stuck and gets money – that’s nice nice very nice all right let’s see actually can we hit this tree and knock it over yeah yeah I take that mr. beast shutting him down you get a plant – twenty million and one there we go we got a boys all right well anyway we can cut down trees like that I think we can knock them over .

But who knows I probably wasn’t going fast enough so let’s see what happens when we cut down a tree and where we need to bring it now we can eventually low trees onto these giant trailers here but we’ll need to purchase one of those first but let’s take out our little okay and perfect we’ve loaded up with our first tree excellent glad daddy jumped in there very helpful let’s just clean off some of the branches if we can there we go and I think it’s in its disappeared all right great off to a great start let’s try the chainsaw now and see if we can cut down a bigger tree this one might be a good one to start with here so let’s go ahead and give it a little cut and of course instead of hauling our chainsaw sideways we’re holding it straight up and down Lumberjack Simulator torrent download, here it comes I don’t see hopefully it doesn’t tip over on that truck actually be fine I don’t know them that that’s not that’s not mine yet and the tree very slowly Falls for whatever reason it’s kind of just like I’m gonna lay down for a bit.

Lumberjack Simulator fitgirl repack and tree you do that alright let’s cut down the little branches here oh boy this is this is rough now this of course is a super early version of the game so hopefully we see some big improvements but I want to see more simulator games to where we get to do jobs like this where our mining simulators and logging simulators and all sorts of different – you know trucking simulator games – that are on quality and par with things like farming sim and American truck simulator and flight simulators and other things like that.

I want to see some more good games like that this is my personal preference okay I think we’ve got most of the branches off I see a few more here then we should be done I’m gonna try to load this do it pickup truck or something like that not quite the tutorial as well believe it or not and it does not really do a lot in terms of explaining really what to do your first objective is to cut down a tree it doesn’t even explain to you how to pull out your chainsaw which is by pressing Q you think it’d be like 1 2 3 on the keyboard or something but that’s not it also I think this game is only for PC so we’ll see if it comes to other consoles soon enough all right this looks good enough to me I don’t know what I can do to a this up in terms of like by hand I don’t think I can cut it into small pieces and throw it anywhere so let’s try to use a we could probably use the log Lumberjack Simulator skidrow to pull it over here but where would the offload point be .

So here’s our skidder, we can buy this to haul the log anywhere just basically drag it on the ground we can also stack medium-sized logs and also cut down larger size trees like this and move them to where they need to go and of course even put them on – this is actually for loading it on to larger trailers such as this over here so we can use the semi for multiple jobs let’s try. I honestly don’t even know where to sell stuff we can put our truck here though and get a trailer hooked up so let’s do that, let’s try some more of the mud physics and try a little bit more of the map so let’s buy this pickup truck here you go pick up I mean semi truck you want to be on my side there you go alright perfect purchase completed.

Warping up……

That was all on Lumberjack Simulator fitgirl Repack free download PC game,If you have any question related to this topic then comment down below in the comment section.Also if this tutorial helped you in any was then share it with your friends and with family members.

The Insurance Society of New York

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

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

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

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

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AFTERBURN Fitgirl Repack

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AFTERBURN Fitgirl Repack Free Download PC Game

AFTERBURN 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 AFTERBURN 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 AFTERBURN 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 AFTERBURN 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.

AFTERBURN for Android and iOS?

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

Also Read:

How To download and Install AFTERBURN

Now to download and Install AFTERBURN 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 AFTERBURN 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 AFTERBURN Download

Screenshots  (Tap To Enlarge)

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

AFTERBURN Review ,Walkthrough and Gameplay

Time to give you an honest review on AFTERBURN Free download PC game.

This is pretty much the same exact situation I had with Intimidator because about two years ago was when I wrote both of them for the first time and for some reason I reviewed neither of them I did fury but I don’t know why I didn’t do these two and so today I’m going to be reviewing AFTERBURN download PC game at Carowinds.

This is the bnm invert and it is widely considered one of the most intense out there and I can definitely say it is and since I didn’t really get that much footage of this ride credits as some of the footage in here to El Toro Ryan some of it is mine but a good bit of it is his and let’s get right on into this so when you walk up to afterburn you’re gonna notice that this rod is definitely themed to flight it is themed to jets or fighter pilot stuff you know like that it used to be called Top Gun and it is really cool AFTERBURN ocean of games.

I’d say before copperhead strike this one had the best theming in the park in my personal opinion yeah I mean some argue that fear you had theming, but like it’s kind of weird it’s just hexagons yeah the sign looks cool but it’s really vague it’s not that cool but yeah after Burton looks really nice it does have that white color scheme or silver and it has blue supports the trains definitely look cool they have those fighter pilot looking tops and yeah this thing looks really nice it is definitely a good-looking ride you go into the station and most of the time this ride is usually dead.

I’d say when it’s not a Saturday this ride is completely dead in the station but anyway you’re gonna step into your trains and of course it’s the old-school AFTERBURN repack trains they are awesome hard plastic restraints it’s still really good though I love these trains they are really really cool and you climb to the top reaching about a hundred thirteen feet with a hundred thirteen foot drop and this drop you know it is very very typical, it’s nothing special at all however if you are in the back I’m gonna tell you right now you get whipped straight down that thing just like any other old-school be any member.

It is the most awesome feeling it is so intense and whippy I just absolutely love it when you reach to the bottom of that drop you’re gonna hit a top speed of around 62 miles per hour and it definitely feels like you were going really fast through this section of the ride it is really nice you hit that vertical loop and this loop is really good I’d say it’s moreAFTERBURN fitgirl repack than anything on like alpengeist alpengeist loop is really solid as well however this one was just a lot more whippy than I was expecting remember back row on this ride is gonna make everything that much better it is very very aggressive and you guys are going to love it and then you move on into that Immelman.

This implement is decent it is definitely not my favorite inversion or favorite type of inversion but it is alright it’s definitely your just your typical element after this you go into one of my favorite parts of the ride it is that awesome zero-g roll whips you straight through it now when I went back and rode this recently it wasn’t as good as I remembered it being however if you ride the zero-g roll when it is really heated up in the summer it is going to whip you like crazy in that back row it still was really good it was really aggressive but just not as good as I remembered you know but after this you move into my favorite part of the ride which is this freaking batwing.

The aggressiveness level is at 1,000 it is so amazing and when you hit the bottom when you’re going through that trench area your legs are just completely numb it is so crazy and these two inversions back to back are just so good it’s a great combination and I heard montu’s AFTERBURN torrent download it’s 3 times better so I’m really looking forward to that and a AFTERBURN pc download free it’s just one of my favorite inversions it is way better than a cove roll.

That was all on AFTERBURN fitgirl repack free download PC game,If you have any question then comment down below in the comment section.I will love to solve your problem.

The Insurance Society of New York

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

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

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

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

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Dead End Job Fitgirl Repack Free Download

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Dead End Job Fitgirl Repack Free Download PC Game

Dead End Job 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 Dead End Job 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 Dead End Job 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 Dead End Job 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.

Dead End Job for Android and iOS?

Yes you can download Dead End Job on your Android and iOS platform and again they are also free to download.

Also Read:

How To download and Install Dead End Job

Now to download and Install Dead End Job 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 Dead End Job 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 Dead End Job Download

Screenshots  (Tap To Enlarge)

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

Dead End Job Review ,Walkthrough and Gameplay

Now let me give you a honest review on Dead End Job.This is one of the best game.The release date of Dead End Job is 13,dec 2019.

Hey guys what’s up for today’s article, I thought would play Dead End Job free download PC game, it’s a colorful frantic shooter where it’s your job to bust some ghosts you have to go through different offices and shoot him up vacuum up and collect a sweet sweet check it’s basically all about getting paid .

Here’s the crazy part at first glance you’re like this looks kind of like a basic game but it’s not it’s so addicting it’s incredibly fun it’s giving me earth form gem vibes mixed with Luigi’s Mansion it’s really funny the writing is clever the sound design is great and I think you guys are really gonna enjoy it so I’m excited to jump right in and show you a little bit more about it this is available on Dead End Job pc download which I mentioned in my last video I know I sound like a Dead End Job igg games evangelist but like it is only $4.99, and it is amazing to get so many games that they have curated specially for you everything is included in the game so it’s a limitless playing just enjoy yourself have a great time and not have to worry about anything.

The way app gaming should be you want to know more about Dead End Job ocean of games, I’ll link it down below there’s a free one-month trial I’m not getting paid to say this I’m really enjoying it so I feel like everyone else should too anyways let’s get started Hector it’s good level in it we could edit the name but let’s just be Hector song oh man if I ever making a game. I want to intro song like that I think this is my house well it’s a little bit of a dump it’s alright you were the theme song right yeah but you had forgot you’re asking locals for Dead End Job torrent download. We’ll just take time also you need to give money that goes for you too all right it’s gonna work I missed a lot of the text I pressed the buttons at the wrong time let’s check the job map new business district okay oh so we need to make fifty thousand monies if we want to unlock the what is that oh the park okay well let’s go in here let’s get some ghosts okay let’s get started this is a bit of the tutorial.

You can walk around you can shoot like this we’re gonna bust all this stuff up because I think we can get money out of this too Oh see ya listen the whole point of this game is to make that sweet sweet change.Okay overheat what’s gonna happen there well that explode oh no my gun was overheating okay okay so these kind of games are just super fun right you’re destroying things you’re having a good time it’s kind of like rampage.You also have a vacuum that you can suck stuff up with too if things are a little bit harder to reach but our job is to hunt ghosts so let’s go into the next room and see if we can find that.

Oh we’re trapped there’s a ghost we got a stun now use your vacuum to catch it can do boom that easy through the room but did we really clear it if we didn’t get cash oh good to know I almost made a huge error there did you see that if you’re too close to something and it blows up it’ll hurt you just like real life so good to know I made the BB mistake what’s this pink thing you see whoa what is it use whatever stuff you can find lying around it’ll usually do some good but occasionally some bad would make some sort of special item all right.

Dead End Job torrent download . Let me just beat this stuff up soon let’s grab just a little bit of extra change there’s money everywhere like how much have we made so far this is crazy only $400 the real money comes from beating up the ghost so satisfying catch all the ghosts in this room to free these idiot when this comes to console if it’s not already its couch Dead End Job fitgirl repack, so you can play with friends I just feel like it’s a perfect game to play with friends just attack them where they attack you I know it’s seeming kind of simple but it’s because it’s the tutorial oh there’s my little thing so it’s saying job complete but I’m seeing another door that we can go into I say we check it out and see what might be inside I wish I could beat the guy up and have him give me money I’m not collecting any money in here.

But I want to destroy everything so you see I see something oh my gosh there it is I had another weapon let’s see what happens oh shoot I don’t think it did anything oh okay I get hurt if I go in the goop good to know gonna be able to get these guys what does this do oh okay it that didn’t do anything it just it just put me in a pool of jell-o I thought maybe it would help me but it didn’t why don’t we look like that alright let’s go into this other room oh there’s a rocket launcher Dead End Job free download PC game, clever maybe that should be oh my gosh blue no I have one heart left this is not good oh shoot they’re charging at me.

Oh run girl what come on oh no she’s getting quicker, oh I left no please still be dead a halfway dead no it reset good to know guess what guys you step out of the room it resets and then you’re screwed how do my items even work this is my first time in countering a baddie bad oh I got mega money for that I still do not understand how those power-ups work but I that just made me fart huge oh-ho.

I’m sorry for that I’m getting this guy from a distance so we’ve cleared the room but there’s one room left in here I did miss some money and that’s gonna bother me what’s this I don’t know that is oh I just oh I died no emoted that’s not what we want we don’t want to get Dead End Job fitgirl repack we want to get promoted we didn’t make it good hey we still got paid even if we died we still got paid I think when you clear a level you can get promoted sorry better all saving your soul might take a while on the upside doing my job with you around as much less awkward I thought what do you mean you know I clear up goes for a living Dead End Job fit girl repack.

You’re you’re uh you know I’m not understanding you Hector she’s a ghost just never mind oh sweet that’s day one we’re gonna jam jar we ought to play an awful lot. I bet you and you clear an entire room like every single room in the map you get a pretty sweet bonus what in the blazes use it to remember things it’s useful job for high-level manifestations and good fast-food places there’s something I can’t put my finger on it that’s because you’re a ghost you can’t put your finger on anything okay cool jobs taken.One success rate zero oh we’re killing it guys total time on job nine minutes ghosts busted it’s because I ran into a stupid boss person weird stuff picked up oh sweet it shows me all the ghosts well that’s pretty cool things I’ve caught Oh Steph.

That was all on Dead End Job fitgirl repack free download PC game,if you have any questions related to this topic then comment down in the comment section.Also if you like this article the share it with your friends.

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

Fitgirl

Winter Resort Simulator Fitgirl Repack

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Winter Resort Simulator Fitgirl Repack Free Download PC Game

Winter Resort Simulator 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 Winter Resort Simulator 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 Winter Resort Simulator 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 Winter Resort Simulator 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.

Winter Resort Simulator for Android and iOS?

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

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How To download and Install Winter Resort Simulator

Now to download and Install Winter Resort Simulator 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 Winter Resort Simulator 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 Winter Resort Simulator Download

Screenshots  (Tap To Enlarge)

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

Winter Resort Simulator Review ,Walkthrough and Gameplay

Now in this section of the article I will give a honest review on Winter Resort Simulator.

WINTER RESORT SIMULATOR IS IT ANY GOOD? PC REVIEW

Winter Resort Simulator free download PC game, review now thank you very much to Eris off for sending this over to me I have only had 24 hours to look at this game fact less than that so I haven’t been able to look at absolutely everything I think I’d say 85 to 90 percent I’ve covered the some areas where there may be stuff. I haven’t yet seen so this indie quote-unquote not sure how it qualifies as that but this in the simulation slash realistic economy with management title is not.

I repeat not going to be released in early access and that’s quite important and I’ll explain why as this review goes on the release date is the 12th of December, which is today, so I’m literally up against there trying to get this review out to you before it releases so that you can see what the game is actually about it’s developed by HR in a ways which I assume are some way related to era soft because I know nothing about anyways and every link I click on takes me back to era soft so I assume assume it’s some sort of subset of the era soft company I on cd-keys there’s a link in the description below you can pick this game up for 15 pounds.

I don’t know how much it’s gonna be on Steam I would hasten a guess and say about 20 pounds if the game is between 15 and 20 pounds and I’d say that’s a fair price for the game but only when it’s had some work done on it so I’m not sure what that platforms this game is available on it’s definitely on Winter Resort Simulator PC because that’s what I’m playing on.But I’ve no idea if it’s available on any other platform I’m not going to beat around the bush this game from my perspective is not recommended right now and I’ll explain exactly what I mean when I say not right now because this game has a lot of really great features at this moment in time for me I’m unclear if this is a simulator or an arcade game some elements of the game are simulated to a really super high quality.

But then other parts of it are significantly poor in contrast and unfortunately there are too many negative aspects or qualities to this game for me to be able to say that it’s worth buying right now the issues I’ll discuss them all in a moment both the good points and the bad points will just cause you know end of frustration and really it detracts so much from what is otherwise potentially a really good game think if you will farm sim for the slopes that’s kind of what this game could be but it just isn’t yet let me let me tell you about all the good stuff first, so I think you own or at least you manage it a ski resort and that ski resort is based on a six kilometer squared Alpine location don’t know where exactly but your business is in financial difficulty and you need to turn it around so you begin your career with a single slope which is rented an Winter Resort Simulator igg games operational ski lift which i think is also rented and a restaurant dotted around there are viewing platforms and hotels I haven’t actually found one of those yet.

This is what I was saying I’ve only I’ve had less than 24 hours to look at this but apparently there are viewing platforms and hotels about that you can interact with but I haven’t found one yet you start the game with a car and at all times you have a set of skis in your possession the game also includes three purchasable fully licensed piston beliefs no cats there is a level of simulation included in the vehicles here I wouldn’t say Winter Resort Simulator ocean of games significant but certainly some so for example you have manual or automatic gears do you have indicators start/stop the engine you got handbrake and you even have refueling purposes so there is an element of Winter Resort Simulator torrent download simulation here certainly .

So it’s your job to turn around this failing Enterprise and you’re going to do that by keeping customer satisfaction levels high expanding the resort and keeping the books straight you are solely responsible for setting the date admission price for skiers and off of that price a discounted price will also be set for half-day skiers you can manage the ski slopes via a management or you can do it yourself in order to save money to do this you need to use a combination of machinery items to plow and prepare the slopes for skiers and you have to ensure that each slope has enough snow coverage hardness is not too hard and the preparation plowing is completed and I think the plowing reduces the hardness and snow I mean you actually have weather conditions so actually if it snows you’ll have more snow and then you need to go plow it and that’s what softens it up that’s how I understand it but don’t fully quote me on that one ski slope management requires a number of different machinery types Winter Resort Simulator fitgirl repck as I’ve mentioned these could be bought from the shop as you progress and expand.

That was all on Winter Resort Simulator fitgirl repack free download PC game,If you have any questions related to this topic then feel free to ask down below in the comment section.

The Insurance Society of New York

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

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

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

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