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Policy, assignment of, 15, 39,
143, 214-219, 355, 356.
blanket, 168, 169.
cargo, 290.

concurrent, 43, 122, 124-126.

contract in fire insurance, 14-
25.

in marine insurance, 288-
294.

delivery of, 105, 106.

floating, 291.

freight, 290.

general, 127-131.

interest, 291, 292.

Lloyd's, 263, 285, 292, 293,

310.

named, 291.

non-concurrent, 126-133.
open, 108, 109, 290, 291.
provisions, 24.

in title insurance, 362,
364.

renewing, 121.

substitution of, 121.

Possession, 15, 29, 82, 143, 148,
149.

Pottsville Mutual Fire Ins. Co.

vs. Minnequa Springs Im-
plement Co. (100 Pa. St.
137), 74.

Powers of agent, 75–77.
Premium, computation of, in cor-

porate suretyship, 330-
332.

in title insurance, 356.
notes, 58.

payments, 58, 64, 74.

pro-rata portion of, 152-163,
246.

rates, 14.

unearned, 112-114. See Re-

şerve,

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Rating, slips, 194, 199.

Reading rule, 129. See Contri-

bution.

Rebuild, option to, 103, 104.
Receipt, renewal, 109-111.
Receiver, appointment of, 149.
Records, exhibition of, 134, 135,

138.

Reduced average clause. See

Coinsurance Clause.

Reformation of contract, 112.
Register, Lloyd's, of British and
Foreign Shipping, 279.
of American Shipping, 280.
of Captains, 281.

Regular policies, in credit insur-
ance, 382.

Regulation, state. See State Su-
pervision.

Reinsurance, 154, 209-213.

clauses, 211-213.

Reinsurance reserve. See Re-

serve.

Removal of property, 95, 96, 99,

191.

Renewal receipt, 109–111.
Renewing of policy, 20, 109-112,

121.

Rent clause, 151.

Rent, effect of insurance on, 5, 6.
Repair, right to, 104.
Repairing of buildings, 143.
Replacement, right of, 102-104.
Report, daily, 55-57.

monthly, 56.

Reports by the company to the
state, 251, 252.
Representations, 93. See War-

ranties.

Reserve, 152, 163, 246.
Retailer, how benefited by insur-
ance, 10.

Retaliatory legislation, 246.
Retroactive insurance, 108.
Riders. See Clauses.

Right of replacement, 102-104.
to repair, 104.

Riley vs. Commonwealth Mutual
Fire Ins. Co. (110 Pa. St.
144), 75.

Riot, loss from, 99, 100.

Risk assumed in fire insurance,
15, 16, 95-104.
elimination of, 3, 4.
rating of, 6, 7.
selection of, 61.
standard, 189.

Risks, classification of, 189.
excluded, 99.

in corporate suretyship, 334,
335.

in marine insurance, 312,
313.

inspection of, 6, 7, 102.
marine, nature of, 261.
transfer of, by members of
Lloyd's, 284, 285.
Royal Exchange Assurance Cor-
poration, 265.

Rules underlying interpretation
of contract, 17.

Salvage, in marine insurance,
302.

in credit insurance, 386.
Schedule rating, 192–208.

systems, 187-191, 192, 202.
"Searcher" of titles, 358.
Seaworthiness of vessel, 320, 321.
Seizure, loss on account of, 318.
Selection of risks, 61.
Self-insurance, in marine insur-

ance, 277.

Semi-fireproof buildings, 241.

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Sole ownership, 143.

Special agents, 54, 56, 70, 76,
188. See Agency.

agreements. See Clauses.
Specialization in fire insurance,
necessity for, 7, 8.

Specific insurance, 168, 169.
policies, 127, 128, 168, 169.
Sprinklers, automatic, 63, 226-
235.

Stand pipes, 223.

Standard building, 193, 194.
in Dean Schedule, 206.
city, in Universal Mercantile
Schedule, 193.

fire policy, 18, 19, 249.
policy, development of, 20-22,

24.

grouping of provisions in,

24.

risk, 189.

State legislation, 60, 61, 66, 68,
69, 70, 72, 94, 155, 156,
170, 171.

regarding valued policy
laws, 249, 250.
retaliatory, 246.

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Tables of short rates, 114, 116,
117.

Tax, fire, 184, 185. See Rating,
Coinsurance.

Taxes and fees, 246, 247.
Tender of unearned premium,

113.

Term of contract in fire insur-
ance, 105-109.

in marine insurance, 295-
297.

of title policies, 355, 356.
Theft, loss by, 99, 100.
Three-quarters loss clause, 180,

181.

value clause, 180, 181.
Time policies, 291.

Title, abstracting of, 357-359.
certificate of, 357, 359.
chain of, 358.

examination of, 357-359.
insurance, 353-374.

advantages of, 354-357.
Title Insurance and Trust Com-
pany of Los Angeles, sys-
tem of abstracting of,
358.
application for, 361.
definition of, 353.

fee policies in, 361.

losses paid in, 360, 364.
mortgage policies in, 361,
365-367.

policy provisions in, 362,
364.

premium in, 356.

Title insurance, payment of
losses, 364.

types of policies of, 360.
policies, assignment of, 355,

356.
term of, 355, 356,

Title insurance, policy, sample
form of, 368.

possession or ownership, 15,
29, 82, 143, 148, 149.
searcher of, 358.

transfer of, in relation to as-
signment of policy, 215-
217.

"Total loss," in marine insur-
ance, 302, 303.

Tract systems, 357, 358.
Transfer of partners' property,

149.

of risks, by members of
Lloyd's, 284, 285.

of title, in relation to assign-
ment of policy, 215–217.
of undivided interest, 149.

Unconditional ownership, 143.
Undivided interest, transfer of,

149.

"Underwriter," 263.

Underwriters' Associations, 250.
corporation of. See Lloyd's.
individual, 20.

signatures of, at Lloyd's,

287.

Underwriting, corporate, in ma-
rine insurance, 266, 268.
member, at Lloyd's, 281.

method of, Lloyd's, 283-285.
personal, 266, 268. See Lloyd's.
Unearned premium, 112-114.
See Reserve.

tender of, 113, 114.
Uniformity, lack of, in state su-
pervision, 248, 249.
Universal Mercantile Schedule,
172, 191-202.

occupancy table of, 195, 196,

199.

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