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accident additional aircraft amount of insurance ance annual annuity applies automobile beneficiary bond building burglary carrier cash claim clause coinsurance collision common carrier company is liable company will pay company's liability contract cost coverage death deductible disability employees endorsement endowment policy event excess excluded Exclusions.—The expenses explosion fidelity bonds fire insurance policy floater hazard income income policy indemnity insurance company insured's interest issued leakage liability policy liable for loss limited loss occurs loss or damage losses resulting manufacturing marine insurance ment merchandise moral hazard mortgage mutual organization obtained operations owner paid pany payable payment perils person policy covers policy period policy provides policyholder premises premium charge property damage property insured protection purchase rainfall reduced reinsurance risk robbery schedule shipments specific sprinkler surance Theatrical property theft tion tornado Underwriters unless various weekly windstorm workmen's compensation