A Treatise on the Law of Insurance in All Its Branches: Especially Fire, Life, Accident, Marine, Title, Fidelity, Credit, and Employers' Liability; with an Appendix of Statutes Affecting the Insurance Contract and a Collection of Forms

George Richards

Banks law publishing Company, 1910 - 959 pages

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Title Page

Table of Contents

Index

CHAPTER I	1

Conditions Necessary 3 Insurance Companies	2

What Are Insurance Companies	4

Corporations Classified	6

Statutory Safeguards	7

Contracts with Unlicensed Com panies	10

License to Procure from Non admitted Companies 9 Origin of Insurance and Insur ance	12

Lloyds and Lloyds Usages	13

Life Insurance PolicyIntro 348 Statements as to Medical	335

Insurance Payable to Family 352 Statements as to Other Insur	341

Statements as to Health or 358 Statements About Bodily	347

Power to Change Rate of As 374 Death Must Be Caused by	365

Exception of Death by the terest	371

CHAPTER XVIII	377

Location	383

Introductory 397 Intoxication or Narcotics	384

American Lloyds 12 Fire Insurance	14

Life Insurance	16

Accident Insurance 15 Classification of Risks	18

Mortuary Tables	19

Reserve	20

Different Kinds of Policies 19 Same SubjectMarine	21

Same SubjectFire	22

Same SubjectLife	23

Mixed Risks Sea and Land 23 Reinsurance Pages 125	24

CHAPTER II	27

Indemnity the ObjectPure Wagers Void	31

Insurable InterestFire	33

Same SubjectLegal Title	34

Same SubjectEquitable Title	35

Illegal or Defective Title 29 Same SubjectRepresentative Capacity 30 Same SubjectLiens	36

Same SubjectPossession	37

Same SubjectContract Rights 33 Same SubjectLiability	38

Insurable InterestLife	39

Ties of Affection Blood or Mar	42

Same SubjectFire Insurance Marine	45

Double Insurance Contribution pressly Reserved	51

Name of the Assured	62

Introductory 82 Contract Governed by Terms	74

Contract Closed by Parol 87 Special Terms Prevail Over Gen	80

Parol to Explain Ambiguity	88

Forfeitures Not Favored	112

Marine Insurance	120

Whether New Consideration 126 Considerations Favoring Doc	122

Lost or Not Lost	123

Representations	128

What Cannot Be Waived 143 Silence Not a Waiver	130

CHAPTER V	134

THE MARINE POLICY	135

The SameReceipt of Overdue 150 Taking Part in Adjustment	136

Rule in Federal CourtsMassa Pleaded	142

Such Enactments Valid	157

The Same Restrictions on Authority Coupled with	161

Agents Interpretation of the Agents	168

What Is Marine Insurance 193 Constructive Total LossUni	181

CHAPTER VIII	189

Constructive Total LossEng 202 Total Loss	192

GENERAL PRINCIPLES CONTINUED	221

riage	239

Insurance Payable Sixty Days 247 Temporary Breach	243

Waivers Must Be by Written 256 Watchman	251

Onethird Off New for	259

CHAPTER XIII	260

Voluntary Stranding	266

Introductory	277

Survey etc When a War 289 Return Premium When Policy	282

PremiumTo Whom Payable	283

Pages 377400	288

Additions Alterations	289

Removal of Property for 306 Appraisal	295

Excusable Failure in Strict 317 Policies with Nonconcurrent	301

Waiver and Estoppel	317

Water Company 331 Insured Includes Legal Repre	324

Nature of Waiver and Estoppel 121 Election Once Made Is	328

Exception of Hazardous Em 406 Riding in or on Any Such Con	390

Accidents Caused by Disease	396

Masters NameShips Name	413

The Subject of Insurance	414

Same SubjectShip	415

Same SubjectCargo	416

When Required Production of ance	417

Commencement of RiskShip	418

Freight 419 Commencement of the Risk Cargo	419

Same SubjectIndorsements Declarations	420

The Voyage	421

Duration and Termination of Risk	422

Touch and Stay	423

Prohibited Waters	424

Perils of the Sea MARINE POLICYCONCLUDED	425

Foundering at	426

Grounding 444 Wear and Tear	427

Collision	428

Stress of Weather	429

Fire	430

Perils of War	431

Arrests Restraints of Kings Princes or People	432

Thieves	433

Barratry	434

Jettison	435

All Other Perils Losses or Misfortunes	436

Proximate Cause	437

When	438

Freedom from Disease juries or Infirmities	461

ance with Full Particulars	468

The Employer Not the Injured Agreement to Defend	476

CHAPTER XVII	495

etc Excepted	537

Nearest Antecedent Cause Held Responsible	616

Proximate Cause How Far Followed in Its Results	617

An Independent Intervening Cause	619

Joint Action of Peril Insured Against and Peril Excepted	620

Proximate Cause as Limiting Insurers Liability	624

Original Defect	625

Inherent Vice	626

Application of Principles to Particular Average 448 The Sue and Labor Clause	628

Exemption of Loss under Five Per Cent	635

Other Assurance Clause	636

Warranted Uninsured 452 Warranted Uninsured beyond a Specified Amount 453 Warranted Free of Capture	637

Want of Ordinary Care and Skill	638

Other Perils Sometimes Ex cepted	639

Memorandum Clause War ranted Free from Average Unless General	640

Whether Constructive or Only Actual Total Loss Will Sat isfy the Warranty	642

Total Loss of Part	643

Unless Ship Be Stranded	644

What Constitutes Stranding	645

Statutes of American Legislatures Affecting the Insurance Contract Arranged	681

CHAPTER II	718

RELATING TO ADJUSTMENT	777

Creditor in Life of Debtor	864

Same To What Amount 38 Other Business Relations	865

Copyright

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Common terms and phrases

accident aff'd agent amount application appraisal Assn Assoc Assur average avoid barratry beneficiary breach building cancellation cargo cause clause Code coinsurance Conn construed contract court held covered death defendant doctrine estoppel Etna fact Fidelity & Cas Fidelity Mut fire insurance fire policy forfeiture Glens Falls Hartford indemnity injury insurable interest insurance company Iowa jury liability London Assur marine insurance Mass ment Minn mortgagee N. Y. Supp Northwestern Mut notice Ohio St owner pany party payable payment peril person Phoenix plaintiff port premium proofs of loss property insured reasonable reinsurance risk rule Security Mut ship South Dakota standard policy Stat statute subrogation supra Supreme surance Tenn tion total loss underwriters Union Union Mut unless vessel void voyage waive waiver warranty

Bibliographic information

Title	A Treatise on the Law of Insurance in All Its Branches: Especially Fire, Life, Accident, Marine, Title, Fidelity, Credit, and Employers' Liability; with an Appendix of Statutes Affecting the Insurance Contract and a Collection of Forms
Author	George Richards
Edition	3
Publisher	Banks law publishing Company, 1910
Original from	Harvard University
Digitized	9 May 2008
Length	959 pages

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