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CONDITIONS OF INSURANCE, AND CLASSES OF HAZARDS,
REFERRED TO IN THE BODY OF THE FOREGOING POLICY

1. APPLICATIONS FOR INSURANCE, must specify the construction and materials of the building to be insured, or containing the property to be insured, by whom occupied; whether as a private dwelling, or how otherwise; its situation with respect to contiguous buildings, and their construction, and materials; and whether any manufactory is carried on within of about it, and in relation to the insurance of goods and merchandize or other personal property, whether of not, they are of the description denominated hazardous, extra hazardous, or included in the memorandum of special hazards. And a false description, by the assured of a building, or of its contents, or the concealment of any fact touching the risk is to be assumed, of by an over valuation, shall render absolutely void a policy issuing upon such description of valuation. And if any survey, plan, or description  of the property herein insured, is referred to in this policy, such survey, plan, or description, shall be deemed, and taken to be, a part and portion of this policy, and a warranty on the party of the assured. If, after insurance is effected, either by the original policy, or by the renewal thereof, the risk be increased by any means within the control of the assured; or if such building, or premises shall be so occupied in any way, as to render the risk more hazardous than at the time of the insuring, such insurance shall be void and of no effect. 
No insurance, whether original or continued, shall be considered as binding until the actual payment of the premium, to the Company, or its agent. 
2. This insurance may be at any time terminated at the option of the Company on their request to that effect, and refunding a ratable proportion of the premium for the unexpired term of the Policy. 
3. Property held in trust, or on commission, must be insured as such; otherwise the Policy will not over such property; and in case of loss, the names of the respective owners, shall be set forth in the preliminary proofs of such loss, together with their respective interests therein, certified by them. By property "in trust" is intended property held under a deed of trust, or under the order of appointment of a court of law, or property held as collateral security; in which latter case, this Company shall be liable only to the extent of the interest of the assured in such property. Goods on storage must be separately and specifically insured. If the interest in the property to be insured, be a leasehold, or other interest not absolute, it must be so represented to the Company and expressed in the written part of the policy, otherwise the insurance shall be void. 
4. Policies of insurance, subscribed by this Company, shall not be assignable without the consent of the Company, expressed in writing thereon—and it si understood that al the conditions of the policy, as originally issued, are to remain in full force, power and virtue under such assignment—and in case of assignment without such consent, whether of the whole policy, or of any interest in ti , the liability of the Company, in virtue of this Policy shall thenceforth cease. And in case of claim for loss or damage, under a policy made payable to any other party, where there is not actual sale or transfer of the property insured proofs of loss shall be made by the assured, in conformity with the conditions of this policy; otherwise this policy shall be void and all liability of the part of this Company under it shall cease. 
5. Notice of all existing insurance on the property hereby insured, shall be given, and indorsed on this policy, or otherwise acknowledged by this Company in writing, before this policy shall take effect. And all subsequent insurance made on the property hereby insured, must be notified to this Company or its Agent, and consent therefor indorsed on this policy; otherwise, and until the same is done, this policy shall by null and void. 
6. In case of fire, or loss, or damage thereby, it shall be the duty of the insured, to use their best endeavors to save, protect, and preserve the property.  And if they shall fail so to do, this Company shall not be held liable to make good the loss and damage sustained, in consequence of such neglect.  And it is mutually understood that there can be no abandonment to the insurers, of the subject insured.  This Company will not be liable for loss or damage, caused by lightning, except that which results from fire that may ensue therefrom; nor for any loss either by fire, or otherwise, occasioned by the explosion of a steam boiler, or occasioned by camphene, or by the explosion of gunpowder, or any other explosive substance.
7. Jewels, jewelry, precious stones, watches, plate, medals, musical instruments, (piano fortes in dwelling-houses, excepted) printed music, scientific instruments paintings, prints, engravings, statuary, sculptures, curiosities, casts and models, are not included in any insurance, unless particularly specified in the policy.
8. Persons sustaining loss or damage by fire, are forthwith to give notice thereof in writing to the Company or its agent; and as soon as possible, shall deliver as particular an account of their loss or damage, as the nature of the case will admit, signed with their own hands.  And they shall accompany the same, with their oath or affirmation; declaring the said account to be true and just; showing, also, whether any and what other insurance has been made, on the same property; fiving a copy of the written portion of the policy of each Company; what was the whole cash value of the subject insured; what was their interest therein; in what general manner. (as to trade, manufactory, merchandise, or otherwise,) the building insured, or containing the subject insured, and the several parts thereof, were occupied at the same time of the loss, and who were the occupants of such building; and when and how the fire originated, so fat as they know or believe. They shall also produce a certificate, under the hand and seal of a Magistrate, Notary Public or Commissioner of Deeds, (most contiguous to the place of the fire, and not concerned in the loss, as a creditor or otherwise, or related to the insured or the sufferers,) stating that he has examined the circumstances attending the fire, loss or damage alleged, and that he is acquainted with the character and circumstances of the insured or claimant, and that he verily believes that he, she or they have, by misfortune, and without fraud or evil practice, sustained loss and damage, on the subject insured, to the amount, which such Magistrate, Notary Public, or Commissioner of Deeds, shall certify. When merchandise or other personal property is partially damaged, the insured shall forthwith cause it to be put in as good order as the nature of the case will admit, assorting and arranging the various articles according to their kinds, separating the damaged from the undamaged; and shall cause a list or inventory to be made and furnished to the Company of the damaged, naming the quantity and cost of each.  The amount of sound value and damage shall then be ascertained by the examination and appraisal of each article, by disinterested appraisers, mutually agreed upon, one-half of the appraisers' fees to be paid by the insurers.  And the claimant shall, if required, submit to an examination under oath, by the Agent or Attorney of the Company, and answer all questions touching his, her or their knowledge of anything relating to such loss or damage, or to their claim thereupon, and subscribe such examination, the same being reduced to writing.  And whenever required, the insured or person claiming, shall exhibit his books of account, and other vouchers, to the insurers of their Agent, at the office of this Company, in support of his claim, and permit extracts and copies thereof to be made, and shall also exhibit to any person named by the Company, and shall permit to be examined by them, any property damaged, on which any loss is claimed, or any property saved, which was insured by this policy. And until such proofs, declarations and certificates are produced, and such appraisals and examination of property, and exhibit of books are permitted by the claimant, the loss shall not be payable. Re-insurance for any other Insurance Company to be on the basis of joint liability with said Company, and in the event of loss, this Company to pay their pro rata proportion of said loss.  All fraud or attempt at fraud, by false swearing or otherwise, shall cause a forfeiture of all claims, and shall be a full bar to all remedies against the insurers under this policy.
9. In case of any loss on, or damage to, the property insured, it shall be optional with the company to replace the articles lost of damaged, with others of the same kind and quality, and to rebuild or to repair the building or buildings, within a reasonable time; giving notice of their intention so to do, within thirty days after having received the preliminary proofs of loss required by the eighth article of these conditions.
10. Where property insured by this Company is damaged, by removal from a building, in which it is exposed to loss by fire, said damage shall be borne by the insured and the Insurers in such proportion, as the whole sum insured bears to the whole value of the property insured, of which proof in due form shall be made by the claimant.
11. The Company will not be answerable for any loss arising from the use of fires in buildings unprovided with a good and substantial stone or brick chimney, or in consequence of neglect or deviation from the laws or regulations of police, made to prevent accidents from fire, in places where laws and regulations on this subject exist.
12. It is furthermore hereby expressly provided, that no suit, or action of any kind against said Company. for the recovery of any claim upon, under, or by virtue of this policy, shall be sustainable in any Court of Law or Chancery, unless such suit or action shall be commenced within the term of twelve months, next after any loss or damage shall occur; and in case any such suit or action shall be commenced, against said Company after the expiration of twelve months next after such loss or damage shall have occurred, the lapse of time shall be taken and deemed as conclusive evidence against the validity of the claim thereby so attempted to be enforced.
13. Payment of loss shall be made in sixty days after the loss shall have been ascertained and proved, without any deduction whatever; and in case differences shall arise, touching any loss or damage, either the insured or the Company shall have the right to require that the loss or damage shall be governed by the Law of Insurance, and whose award when thus made, and in writing, shall be binding on the parties respectively.
14. Persons whose property is insured by this Company, must give immediate notice at the Company's office, when there shall be a change of persons occupying the buildings or premises where such property may be contained.
15. Every Policy of Insurance issued by this Company becomes void, if a larger quantity of gunpowder than is set forth in the Policy, is kept in an insured building, or on the premises where such insured property is contained.
16. Insurance one made may be continued for such further therm as may be agreed on, the premium thereof being paid and a receipt given for the same; and they shall be considered as continued under the original representation, so far as it may not be varied by a new representation in writing, which, in all cases, it shall be incumbent on the party insured to make, where the risk has been changed, wither within itself or by the surrounding or adjacent buildings.

CLASSES OF HAZARDS
Not Hazardous. Staple Foreign DRY GOODS in packages, and staple Domestic Dry Goods, in stores where no hazardous merchandise is kept, and household furniture in dwelling houses.
Hazardous The following Trades and Occupations, Goods, Wares, and Merchandise are deemed hazardous, and subject the building and all its contents to an additional charge–they are: China, or earthen, or glass-ware, or plate glass, in boxes, crates or casks fire crackers in original packages, flax in bales, grocers' stock, gutta percha unmanufactured, hat ironing or trimming or pressing, hay pressed in bundles, hemp in bales, India ribber unmanufactured, Manilla grass in bales, oil, rags (foreign in bales,) sail making, segar making, Sisal grass in bales, spirituous liquors, sugars, sulphur, tallow, wine dealers' stock (not including wine in glass unpacked.)
THE FOLLOWING are consideres hazardous on account of their liability to damage but do not increase the rate of the building–they are: boots and shoes, brushes, (stocks of,) card printing, codee, cotton batting, and wadding, dry goods, (general stocks of,) flour furs and peltries in packages, hardware and cutlery, hides and leather, indigo, looking glasses, in boxes, metals, in bars, rods, pigs or sheets, paints, ground in oil, paper hanging, paper in reams, potash, rice, spices, tailors' stock and ready-made clothing, teas, threshes grain, tin or sheet iron, or copper ware, sine in casks, wine in glass packages, window or plate glass in boxes, and generally all other stocks of merchandise, (in buildings where fire heat is not used for manufacturing,) not elsewhere enumerated.
Extra Hazardous. The following Trades and Occupations, Goods, Wares and Merchandise are deemed extra hazardous, and subject the building and all its contents to an additional rate–they are: alcohol, apothecaries' stock, and box and paper box making, basket making or bleaching, basket sellers' stock, carving china, earthen or glass ware, or looking glasses with packing or unpacking, chocolate making, colormens' stock, copper plate printing, cotton in bales, cotton broker's samples, daguerreotyping, drugs, (importers' stock, without inflammable by acids or phosphorous,) essential oils, gilding gutta percha goods, gun repairing, hat finishing (with use of fire heat to steam and block the bodies) India rubber goods, liquor bottling, lithographing, morocco manufacturing, musical instrument makers' stock, oakum in bales, painters' stock, perfumers' stock, pitch, plumming and pewtering, spirits of turpentine tar, tin or sheet iron, or copper working, turning of wood, turpentine, umbrella making, upholstery manufacturing, varnish and wooden ware sellers' stock.
THE FOLLOWING are considered extra hazardous on account of their great liability to damage, and shall be charged an additional rate, but do not increase the rate of the building–they are: artificial flowers, booksellers' stock, cabinet ware, china, glass ot earthen ware unpacked, confectioners' stock, daguerreotypists' stock, fancy goods, furs unpacked, jewelers'stock, lamp sellers' stock, liquor in glass unpacked, milliners' stock, musical instruments and printed music, needles, optical and mathematical instrument makers' stock, pictures and prints, precious stones, pocket-book makers' stock, silversmiths' stock, silver and plated ware, straw goods, stationers' stock, toy shop keepers' stock, watch makers' stock and tools, window or plate glass unpacked, and wine in glass unpacked.
Memorandum of Special Hazards. Acids, (nitric, sulphuric, muriatic and other acids causing ignition) bakeries, bark mills, bleaching works, blind makers' shops, book binderies, boar builders' shops, brass foundries, blacksmithing, block and pump making, breweries, brimstone works, brush manufactories, cabinet makers' shops, chair makers' shops, carpenters' shops, candle manufactories, camphene on sale, coppersmiths' shops with forges, coffee and spice mills, chemical laboratories, coach makers' shops, comb manufactories, confectionary manufactories, coopering, corn-kilns, cotton mills, cotton presses, cotton unpacked, cotton waste, distilleries and rectifying establishments, dyeing establishments, druggists' stock (wholesale,) drug and spice mills, eating houses or restaurants, ether, fur-dressing establishments, fire-works, fire-work manufactories, flax mills, floor cloth manufactories, fringe manufactories, fulling mills, flax unpacked, gas manufactories, grate manufactories, grist or flouring mills, gun manufactories, gunpowder, hat manufactories, hay unpacked, houses building or repairing, hemp unpacked, India rubber or gutta percha manufactories, ink manufactories, iron foundries, ivory black and lamp black manufactories, lamp manufacturing, lime yards, lime unslacked and sheds, livery stables, lumber yards, looking glass and picture frame manufactories, machine shops, mahogany yards, malt houses, matches and manufactories, metal mills, musical instrument manufactories, mungo, oakum factories, oil-boiling houses, oil-cloth manufactories, oiled clothing manufactories, oil mills and manufactories, omnibus stables, plating, plated ware manufactories, packing buildings and yards, paper mills, paper handing manufactories, percussion cap manufactories, perfumery manufactories, planing or grooving or molding mills, porter houses, powder mills, printing of books and job-printing, rope and cordage manufactories, rags, (domestic) rag and junk shop stock, safe (iron) manufactories, stove manufactories, saltpetre, sash makers' shops, saw mills, soap manufactories, silver smiths' manufactories, snuff mills, spirit gas manufactories, and spirit gas on sale, stables, stave yards, steamboats, steam engines in use, shoddy, sugar refiners, tobacco manufactories, type and stereotype foundries, tallow melting establishments, tanneries, tar-boiling houses, taverns, theaters and other places of public exhibition, timber yards, turpentine distilleries, varnish manufactories, wool mils, wool wastes, wheelwrights' shops, and generally all mills and manufacturing establishments, and all trades and occupations requiring the use of fire heat, not before enumerated.
Camphene, Spirit Gas, or Burning Fluid, when used in stores, warehouses, shops, or manufactories, as a light, subject the goods therein to an additional charge; and permission for such use, must be endorsed in writing on the Policy.
Gunpowder, Phosphorous, and Saltpetre are expressly prohibited from being deposited, stored or kept in any building insured or containing any goods or merchandise insured by this policy, unless by special consent in writing on the policy.
Plate Glass, Doors or Windows, when the plates are of the dimenoions of thee square feer or more, also FENCES AND PRIVIES STORE FURNITURE and FIXTURES, must be separately and specifically insured.