The Public's Conception of Rate-Making in Fire Insur-
ance, 183.-The Nature of the Hazard in Fire Insurance,
185.-Necessity of Distinguishing Between Classes of
Property, 185.-Necessity of Distinguishing Between
Risks Within the Same Class, 185.-The Effect of Envi-
ronment, 185.-The Necessity of Distinguishing Between
Various "Occupancies," 186.-The Effect of Changing
Business Conditions, and the Absence of Constant Fac-
tors, 186.-Fire-Insurance Rating Contrasted with Rate-
Making in Life Insurance, 186.-Systems of Rating, 187.
-These Systems Compared, 189.-The Average Rating
Schedule Described, 189.-The Rating of Mercantile
Risks, 190.
The Problem of Fire Prevention in America, 220.-In-
spection Bureaus and Their Work, 221.-The Work of the
National Fire Protection Association, 222.-The Work of
Companies Along Fire Prevention Lines, 223.-Fire
Extinguishing Facilities, 223.-Standpipes and Water-
Pails, 223.-Fire Notification Facilities, 224.-Automatic
Sprinklers, 226.-A Description of the Same, 226.-An
Explanation of Their Efficiency, 227.-The Installation of
Automatic Sprinklers, 230.-Their Importance in Redu-
cing Fire Rates, 232.-The Planning and Construction of
Buildings, 235.-Fireproof Buildings and Their Construc-
tion, 236.-Fireproof Buildings in Recent Conflagrations,
238.-Semi-Fireproof Buildings and Slow-Burning Build-
ings, 241.-Fire Doors and Shutters, and Wire-Glass, 242.
Description of the Property and Duration of the Voyage,
295.-Meaning of "Lost or Not Lost" and "At and
From," 296.-Ascertainment of the Insurable Value of
the Different Subjects of Insurance, 297.-Enumeration
of the Perils Against which Protection is Granted, 298.-
The Perils Classified, 299.-The Meaning of "Perils of
the Sea," 300.-The Meaning of "Jettison" and "Bar-
ratry," 300.-The Meaning of "All Other Perils, Losses,
and Misfortunes," 301.
Classification of Losses, 302.-Actual Loss, 302.-Con-
structive Total Loss, 302.-Notice of Abandonment, 303.
-General Average, 303.—The Rules for Computing Gen-
eral Average Losses, 304.-The Apportionment of Gen-
eral Average Loss, 305.-Right to Collect General Av-
erage Contributions, Independently of Marine Insurance,
306.-Particular Average, 306.-The Rules for Settling
Particular Average Losses, 307.-Salvage in Marine In-
surance, 307.
PROTECTING THE INSURER AGAINST
FRAUD, UNNECESSARY LOSS, AND UNDESIRABLE
RISKS
Unnecessary Loss and Undesirable Risks, 308.-"Other
Insurance" Clause, 308.-The "Sue and Labor" and
“Waiver" Clauses, 309.-The "Memorandum” Clause,·
310.-Development of this Clause, 310.-Its Application,
311.-Subdivision of Risks into "Series," 312.-Clauses
Which Exempt the Company from Liability for Certain
Losses, 312.—Subrogation, 313.—Provisions Facilitating
the Adjustment of Claims, 313.—Enumeration of Acts
Which Render the Policy Void, 314.-Miscellaneous Pro-
visions, 314.
« PreviousContinue » |