Buildings, rating of contents of,
190, 198, 199, 206.

repairing of, 143.
semi-fireproof, 241.

slow-burning, 241, 242.

Bureau Veritas of France, 280.

Campbell, A. C., 13.

Cancellation, 41, 56, 112-117,
147.

clause, 112.

Capital rating, 382.

stock of insurance companies,
48-52.

Captain's Register of Lloyd's,

281.

Capture, loss on account of, 318.
Cargo policies, 290.

Cargoes, insurance of, 28, 277.
Cash values, 102.
Certificate of insurance, 219.
See Collateral Security.
of loss, magistrate's, 135, 137.
of title, 357, 359.
Chain of title, 358.
Chainmaker, in abstracting ti-
tles, 358.

Character of agency. See Agent.
Chattel mortgage, 143, 148.
Chicago rule, 122, 129, 130.
Civil War, effects of, upon
American marine insur-
ance companies, 271.
Claims, adjustment of, marine
policy provisions concern-
ing, 313, 314.

Clark vs. Western Assurance
Co. (146 Pa. St. 561),
121.

Classification at Lloyd's, 272.
of risks, 189.

of vessels, by Lloyd's, 280.

free from particular average,
317.

iron safe, 138.
livestock, 152.
memorandum, 286.

application of, 311, 312.
in American policies, 311.
in Lloyd's policy, 310.
in marine insurance, 310-
312.

mortgage, 39, 40.

application of, 41-43.
contribution clause in, 44.
contribution under, 43.
development of, 39, 40.
instances where company is

not liable under, 42, 43.
other insurance, 118, 120.
reduced average, 169, 170, 250.
rent, 152.

signaling system, 152.

"Sue and Labor," in marine
insurance, 309, 310.

three-quarters loss, 180, 181.
value, 180, 181.

waiver, in marine insurance,
309, 310.

Clauses, 19.

in marine insurance, 316-322.
reinsurance, 211-213.
Clipper ship, 269.

Coinsurance, 164-182, 197.

and fireproof buildings, 175–

180.

clause, 250.

distribution form of, 169,
170.

legislation relating to, 198.
Cold storage clause, 151.
Collateral security, insurance as,

10-12.

policy assigned as, 217, 218.
Collection service, guaranteed,

388.

Collision clause, 316, 317.

Combination of risks, 4, 5.

Commissioner of insurance, ap-
pointment of, 244.

duties of, 245.

powers of, 245, 246, 252.
Commissions, 56.

Commutation for difference be-

tween old and new, in ma-
rine insurance, 304.

Companies, incorporation and
organization of, 47–65.

profits of, 51.

Compound policies, 127-131.

Concealment, 89, 90, 111, 288.
Concurrent policies, 43, 122, 124-
126.

Conflagration limit, 209, 210.
Conflagrations, 194, 209, 238,

239.

Connecticut Fire Insurance Co.
vs. Tilley (88 Va. 1024),
91.

Consequential damage clause,

151.

Consideration, 95.

Constitutionality of Federal su-
pervision, 254–256.
Construction, brick, 190.

Construction, concrete, 240.
frame, 190, 191.

of buildings, 235-242.
Constructive total loss, in ma-

rine insurance, 302, 303.
Contents of buildings, rating of,
190, 198, 199, 206.

tables in the Dean Schedule,
206, 207.

Contract, personal, insurance as
a, 14, 26, 89.
reformation of, 112.
renewal of, 109-112.
term of, 105-109.

Contractor's bond, sample form
of, 349.

Contractors' bonds, 333, 335.
Contribution, 122.

under mortgage clause, 43.

clause, in mortgage clause, 43.
Conversion of mutual into stock

companies, 52, 53.

Corporate suretyship, 323-352.
advantages of, 326.

application for, 331.

computation of the premium

in, 330-332.

development of, 327, 328.
drawbacks of personal surety

in, 325.

excluded risks in, 334, 335.
/extent of the business of, 328.
policy provisions of, 333.
Corporate underwriting, in ma-
rine insurance, 266, 268.
Corporation of Underwriters,

281.

Corporations, alien, 253.
regulation of, 243, 244.

Cost of commodities, effect of
insurance on, 6.

Court law in insurance, 23, 24.

insur-

"Coverage," in credit

ance, 379, 380.

agreement, 379, 380–382.
Credit insurance, 375-388.
advantages of, 377.
application for, 282.

as safeguard against fraud
and unnecessary losses,
378-386.

basis of, 9-13.
definition of, 376.

initial loss in, 378, 379, 381.
insolvency in, 385, 386, 388.
justification for, 377.

policy, sample form of, 282.
maximum indemnity in, 383.
single account limit in, 381.
rating, 382.

Creditors, insurable interest of,
26.

Credits, loss of, 375.

prevention of loss in, 386-388.
Cromie rule, 129. See Contribu-
tion.

Crosby, E. U., 220.

Daily report, 55-57.

Damage, by water, 98, 99.
Damage, direct, 95.

Damage, loss or damage, 16, 95,
98, 99.

Daniels, W. H., 128, 129.
Dean Schedule, 191, 202-208.
Defects, inherent, of goods, 300.
in risk, penalties for, 190.
Delancy vs. Rockingham Farm-
ers' Mutual Fire Ins. Co.
(52, N. H. 581), 22.
Delivery of policy, 105, 106.
Depreciation in value, 15, 102.
Description of property, 86-94,
111, 151, 250.

Description of property, in ma-
rine insurance, 295, 296.
Detention, loss on account of,
318.

Deterioration, natural, 300.
Development of marine insurance
in United States, 265-270.
Deviation in voyages, 321.
Direct loss or damage by fire,
16, 95, 98, 99. See Proxi-
mate Cause.

Distribution form of coinsur-
ance clause, 169, 170.

of general average losses, 305.
Dividends of fire insurance com-
panies, 51.

Doctrine of proximate cause, 16.
Double insurance, 14, 37, 118-

extinguishing appliances, 63.
facilities, 223–235.

insurance, abandonment in, 104.
companies, dividends of, 51.
investments of, 246.
engineering, 221.

functions of, 3-13.

hazard in, 6, 7, 41, 57, 63,

185-187, 189, 190.
insurable interest in, 14, 15,
26.

Lloyd's, 64-66.

rate making in, 183–202.

risk assumed in, 15, 16, 95-
104.

term of contract, 105, 109.
losses, 183.

maps, 56, 57, 209.

notification facilities, 224, 225,

227, 228.
pails, 223, 224.

policies, assignment of, 214-
219.

prevention, 4, 63, 64, 152, 166,
190, 220-242.

in standard city, 193, 195,
200, 201.

Gas, illuminating, 143.
Gates, Lee C., 358.

General agency, 54. See Agency.
agent, 70, 76. See Agent.
average, 302-306.

losses, distribution of, 305.
insurance against, 306.

policies, 127-131.

Gottsman vs. Pennsylvania In-
surance Co. (56 Pa. 210),
90.

Gow, William, 260, 261, 289.
Grain dealer, business of, extend-
ed by fire insurance, 11.
Griswold Rule, 130. See Contri-
bution.

Grouping of policy provisions,
24, 362, 364.

Guaranteed mortgages, Lawyers'
Mortgage Co. in relation
to, 365, 366.

collection service, 388.

Hallock vs. Commercial Union
Insurance Co. (26 N. J.
268), 106.

Harter Act, 322.

Hartford Rule, 120. See Contri-
bution.

Hartford Steam Boiler Ins. Co.
vs. Lasher Stocking Co.
(66 Vt. 439), 105.
Hazard, exposure, 195, 196, 207,

208.

in adjacent buildings, 144.
increase of, 109, 111-113, 118,

143, 144.

in fire insurance, 6, 7, 41, 57,
63, 185-187, 189, 190.
moral, 103, 147, 210, 214.

in marine insurance, 269.
of occupancy, 186, 189.

special, 189.

History of marine insurance,
261-263.

Homes, fire insurance as an aid
in purchasing, 12.

Illuminating gas, 143.
Immediate notice, 135, 136.
Implied warranties, in marine
insurance, 319.

Incendiarism, 14, 118.
Incorporation of companies, 47-

49.

Increase of hazard, 109, 111-113,
118, 143, 144.

in adjacent buildings, 144.