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CHAPTER XI.
THE NEW YORK STANDARD FIRE POLICY.
§ 127. In Consideration of the Stipulations and Premium
§ 128. Insures against all Direct Loss by Fire.....
§ 129. The Following Described Property...
§ 130. Location....
§ 131. Held in Trust.
§ 132. For whom it may Concern
§ 133. Measure of Damages
§ 134. Reinstatement Clause...
§ 135. This Entire Policy shall be Void............
§ 136. Interest of the Insured not Truly Stated.
§ 137. In Case of any Fraud or False Swearing...
CHAPTER XII.
STANDARD FIRE POLICY-CONTINUED.
138. Other Insurance...
§ 139. Factories
$140. Watchman
§ 141. Increase of Risk.
§ 142. Mechanics
§ 143. Interest of Insured
§ 144. Leased Ground
§ 145. Chattel Mortgage
§ 146. Foreclosure...
CHAPTER XIII.
§ 147. Alienation Clause: Change of Interest .
§ 148. Assignment of Policy.
§ 149. Memorandum Clause
150. Vacancy Clause...
§ 151. Invasion, Theft, Neglect, Explosion, Lightning, etc..
CHAPTER XV.
STANDARD FIRE POLICY-CONCLUDED.
§ 159. Removal of Property for Safety..
160. Notice and Account of Loss...
§ 161. Exhibit Remains; Submit to Examinations; Books of
Account, etc.....
§ 162. Appraisal or Arbitration....
§ 163. Enforcing Contract is no Waiver.
164. Pro Rata Clause: Other Insurance..
$165. Reinsurance.
§ 166. Subrogation
§ 167. Proximate Loss: Spread of Fire.
§ 168. Limitation of Time to Sue....
§ 169. Mutual Companies ....
PAGE
177
179
181
183
187
189
191
193
194
170. Last Clause of the Policy : Authority of Agents to Waive. 194
§ 173. Statements as to Health or Freedom from Disease.
§ 180. Statements or Requirements as to Residence and Travel ..
§ 181. Statements about Bodily Injuries.
§ 185. Exception of Death by the Hands of Justice or in Violation
THE ACCIDENT POLICY.
§190. Accident is what.....
§ 191 Amount of Recovery and for what Accidents...
§ 192. Exception of Hazardous Employment... ...
213
214
215
§193. Injuries excluded of which there is no Visible Mark on
the Body.....
§194. Poison, etc..............
§195. Exception of Injuries Resulting from Violating Law....
$196. Voluntary Exposure to Unnecessary Danger......
§ 197. Entering Moving Conveyance Using Steam as Motive
Power, etc. ....
§ 198. Due Diligence for Personal Safety and Protection....
216
217
218
§ 199. Insurance against Injuries Received while Traveling..... 218
§ 221. A Peril Excepted and Sea Peril, Combined....
§ 222. Proximate Cause as Limiting Insurers' Liability..
223. Wear and Tear....
243
244
246
§ 224. Original Defect..
225. Sea Damage and Ordinary Deterioration, Combined..... 247
§ 226. Application of these Principles to Particular Average... 248
§ 227. Limitation of the Liability of Underwriters. Losses not
Covered.....
228. The Sue and Labor Clause.
§ 229. Exemption under Five Per Cent..
§ 230. Other Assurance..
231. Warranted Free of Capture..........
B
250
252
253
255
eral......
$232. The Memorandum Clause. Free of Average unless Gen-
...
§ 233. What Constitutes Stranding..
256
258
tionable.......
Tyrie v. Fletcher.-Contract an entirety. Premium not appor-
Smith v. Scott.-Insurance covers negligence.
CHAPTER II.
265
269
NATURE OF THE CONTRACT.
Dalby v. India & London Life Ass. Co.-Insurance: how far
a contract of indemnity...
271
Rayner v. Preston.—A personal contract. Does not run with
Thompson v. Adams.-Contract by parol or binding slip....... 295
Lipman v. Niagara Fire Ins. Co.-Terms of usual policy under-
stood to govern contract closed by parol or by binding slip. 301
Merchants' Mutual Ins. Co. v. Lyman.-Policy merges ante-
cedent negotiations
305
Harper v. New York City Ins. Co.-Writing prevails over printed
form
308
Winne v. Niagara Fire Ins. Co.-Forfeitures are not favored.. 314
CHAPTER IV.
REPRESENTATIONS AND Concealments.
Phoenix Life Ins. Co. v. Raddin.—Representations. Conceal-
ments
These cases should be read in connection with the corresponding chapters of Part First.
Proudfoot v. Montefiore.-Concealments by agents: principal
held
Blackburn v. Vigors.-Concealments by agents: principal not
.....
held...
324
330
CHAPTER V.
WARRANTIES.
Thomson v. Weems.-Warranty of temperate habits
339
Burleigh v. Gebhard Fire Ins. Co.—Interpretation of a war-
ranty: fire.....
350
CHAPTER VI.
WAIVER AND ESTOPPEL.
Union Mutual ins. Co. v. Wilkinson.-Waiver by act of agent. 354
Van Schoick v. Niagara Fire Ins. Co.-Waiver by agent's knowl-
edge of cause of forfeiture....
362
Dewees v. Manhattan Ins. Co.-The opposing view, that parol
evidence is inadmissible...
369
CHAPTER VII.
WAIVER AND ESTOPPEL-CONTINUED.
Couch v. City Fire Ins. Co.-Essential provisions of charter can-
not be waived.
377
Union Mutual Life Ins. Co. v. Mowry.-Oral promise before in-
ception of contract no ground of waiver....
381
Landers (erroneously reported Sanders) v. Cooper.-New subject
of insurance cannot be introduced by waiver..
385
CHAPTER VIII.
RESTRICTIONS ON AUTHORITY OF AGENTS.
Kausal v. Minnesota Farmers' Mut. Fire Ins. Asso.-Stipula-
tion that soliciting agent not agent of insurer.
392
Messelbach v. Norman.-Stipulation prima facie binding..
Knickerbocker Life Ins. Co. v. Norton.-The real fact of agency
will override the recital in the policy.....
397
399
Ryan v. World Mutual Life Ins. Co.-Negligence not to read
the application ....
408
CHAPTER IX.
GENERAL PRINCIPLES: MARINE.
Dixon v. Sadler.-Seaworthiness..
415
Burgess v. Equitable Marine Ins. Co.-Deviation...
420
CHAPTER X.
GENERAL AVERAGE
Star of Hope.-Sacrifices, expenses, stranding
428