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South-Carolina Insurance Company. 
CAPITAL, TWO HUNDRED AND FIFTY THOUSAND DOLLARS. 

CONDITIONS OF INSURANCE, 
REFERRED TO IN THE BODY OF THE FOREGOING POLICY. 

CLASSES OF HAZARDS. 
First Class of Hazards -Buildings of Brick or stone, covered with Tile, Slate or Metal.
Second Class of Hazards - Buildings of Brick or Stone, Covered with Wood.
Third Class of Hazards - Buildings of Wood covered with Slate or Metal. 
Fourth Class of Hazards - Buildings entirely of Wood. 

GOODS, not hazardous, are such as are usually kept in dry-good stores; including also household furniture and linen, coffee, flour, indigo, pot-ash, rice, sugars, and other articles not combustable. 

The following trades, goods, wares, and merchandize, are considered hazardous, viz: 
Chair-makers, chocolate-makers, tavern-keepers, tobacco manufacturers, china, glass, and earthenware in packages, chip and straw hats, flax, hemp, groceries, including spirituous liquors; oil, pitch, salt-petre, tar, turpentine, and cotton. 

The following trades and occupations, goods, wares and merchandize are deemed extra-hazardous, viz: 
Apothecaries or druggists, boat-builders, bakers, brewers, malsters, soap-boilers, tallow chandlers, cabinet-makers, coach-makers, carpenters, chemists, china, glass and earthenware sellers, coopers, distillers, dyers, founders, musical-instrument-makers, printers, rope-makers, varnish-makers, and all manufactories requiring the use of fire-heat; aqua-fortis, aether, gun-powder, spirits of turpentine, hay, straw, fodder and grain unthrashed. 

CONDITIONS OF INSURANCE.

1. APPLICATIONS for insurance on property must be in writing and 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 otherwise, and how; its situation with respect to contiguous buildings, and their construction and materials; whether any manufactory is carried on within or about it; and in case of goods or merchandize, whether or not they are of the the description denominated hazardous or extra-hazardous.  And a false description by the insured of a building, or of its contents, or omitting to make known any fact or feature in the risk which increases the hazard of the same; or in a valued policy, an overvaluation, shall render absolutely void a policy issuing upon such description or valuation.  Each property must be separately valued, and a specified sum insured thereon.  If, after insurance is effected upon any buildings or goods in this office, either by the original policy or by the renewal thereof, the risk shall be increased by any means whatsoever within the control of the assure, or if such building or premises shall, with the assent of the assured, be occupied in any way so as to render the risk more hazardous than at the time of insuring, such insurance shall be void and of no effect. If during this insurance, any subsequent insurance should be made upon the property herby insured, which, with the sum or sums already insured, should, in the opinion of the said South-Carolina Insurance Company, amount to an over-insurance, or the risk be increased by the erection of buildings, or by the use or occupation of neighboring premises, or otherwise, it shall be optional with the company to terminate the insurance, after notice given to the assured, or his representative of their intention to do so; in which case the Company will refund a rateable portion of the premium. 

2 No insurance, whether original or continued, shall be considered as binding, until actual payment of the premium. 

3. Goods held in trust, or on commission, are to be declared and insured as such; otherwise the policy will not cover 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. Goods on storage must be separately and specifically insured. 

4. Policies of insurance, subscribed by this Company, shall not be assignable without the consent of the Company, expressed by endorsement made thereon. In case of assignment without such consent, whether of the whole policy, or of any interest in it, the liability of the Company in virtues of such policy, shall thenceforth cease. And in case of any transfer or change of title in property insured by this Company, such insurances shall be void and cease. Provided, the consent of this Company be not first obtained to such transfer or change. 

5. Notice of all previous insurance upon property insured by this Company, shall be given to them in writing, at or before the time of their making insurance thereon; otherwise the policy subscribed by this Company, shall be of no effect. And in case of subsequent insurances on subsequent insurance may be endorsed on the policy subscribed by this Company, or otherwise acknowledged in writing; in default whereof, such policy shall thenceforth cease to operate. And in all cases of double insurance, this Company shall be liable for such ratable proportion of loss or damage happening to the subject insured, as the amount insured by this company shall bear to the whole amount insured thereon, without reference to the date of the different policies. 

6. This Company will be liable for losses on property burnt by lightning, but not for any loss or damage by fire, happening by means of any invasion, insurrection, riot, or civil commotion, or of any military or usurped power; nor for any loss occasioned by the explosion of a steam boiler, unless fire unsure therefrom. 

7. Books of account, written securities, or evidences of debt, title deeds, writings, money or bullion, are not deemed objects of insurance. 

8. Jewels, plate, medals, paintings, statuary, sculptures and curiosities, are not deemed to be included in any insurance, unless specified in the policy, with an inventory thereof, accompanying the application for insurance. 

9. Persons whose property is insured by this Company, must give immediate notice at the Company's Office when there shall be a change of person occupying the buildings or premises where such property may be contained. 

10. Every policy of insurance issued by this company becomes void, if more than their-eight pounds of gun-powder be kept in an insured building, or on the premises where such insured property is contained, and the powder must be kept in close canisters. 

11. All persons insured by this Company, and sustaining loss or damage by fire, are forthwith to give notice thereof to the Company; and as soon after as possible, to deliver in a particular account of such loss or damage, signed with their own hands, and verified by their oath or affirmation, and also, if required, shall produce their books of account, and other proper vouchers; and permit extracts and copies to be made; they shall also declare on oath whether any and what other insurances have been made of the same property; what was the whole value of the subject insured; in what general manner, (as to trade, manufactory, or merchandize, or otherwise) the building insured, or containing the subject insured, and several parts thereof, were occupied at the time of the loss, and who were the occupants of such building; and when and how the fire originated, so far as they know or believe; and shall also procure a certificate under the hand of a magistrate, notary public or clergyman, (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 sufferers) that they are acquainted with the character and circumstances of the person or persons insured - that he, she, or they really and by misfortune, and without fraud or evil practice, hath or have sustained by such fire, loss and damage to the amount therein mentioned, and shall also, 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 any thing relating to such loss or damage, and subscribe such examination, the same being reduce to writing; and until such proofs, declarations and certificates are produced, the loss shall not be deemed payable. Also, if there appear any fraud or false swearing, the claimant shall forget all claim by virtue of this policy. Where mechandize, 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; and shall cause a list or inventory of the whole to be made, making the quantity and cost of each kind. The damage shall then be ascertained by the examination and appraisal of each article, by disinterested appraisers, mutually agreed upon, one half of the expense to the paid by the insurers. 

12. Payment of losses 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, it may be submitted to the judgement of arbitrators, indifferently closed, whose award in writing shall be binding on the parties. 

13. Insurances once made, may be continued for such further term as may be agreed on, the premium therefor being paid and endorsed on the policy, or a recepit being given for the same; and they shall be considered as continued under the original representation, in 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 either within itself or by the surrounding or adjacent buildings. 

14. Buildings insured or containing property insured, when referred to in the policy by class, shall be deemed to be warranted as above classed. 

15. 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 regulation of police, made to prevent 

16. In all cases of loss or damage on Goods, Wares, and Merchandize, insured by this Company, they reserve the right of paying to the assured the actual cash value of the said Goods, Wares, and Merchandiaccidents from fire in places where laws and regulations on the subject exist. 
ze, at the time when such loss shall occur.