Fire insurance companies, early
history of, 14.

and Corporation of London,
26.

joint-stock system, 30.
Fire Offices' Committee, 36.
Fire policies, the face of, 65.
conditions of, 58, 83, 115.
interpretation of, 60.
Fires, causes of, 179, 190.
Furniture policy, "uncondi-
tional," 112.

Municipal fire insurance, 25.

action of Corporation of Lon-
don (1903), 28.

Mutual fire offices and associa-
tions, 16, 30.

PENALTIES for hazardous con-
struction, 40.

Personal contract, first introduc-
tion of, 18.

Preliminaries in fire insurance,
75.

Premiums, payment of, 66.

-

mission, 77.

insurance of, 47, 181.

moral responsibility for, 77.
proper description of, 75.

HAZARD, the moral, 39.
Hazardous construction and ap-
pliances, 40.
Heating, 193.

spontaneous, 94, 202.
History of fire insurance, early,14.

INCREASE of risk, 84.
Indemnity, contract of, 3, 17.
personal, 3, 18.

Interest, condition in New York
policy, 95.

necessity for insurable, 12.

persons with insurable, 96.
transfer of, 95.

7.

of British fire offices, 41, 216.
of home and foreign business,
170.

Proprietary fire offices, 32.
Purchaser, protection of, 98.

RATES, determination of, 167.
early system, 33.

home and foreign, 169.
penal for dangerous buildings,
40, 176.

reduction in, 178.
Rating, objects of, 163
Reinstatement, right of, 21, 104.
Reinsurance, 56, 213.
Removal of property, 79, 84.
Rent, insurance of, 90.

-

tenant's right of reinstate-
ment, 92.