USE AND OCCUPANCY INSURANCE 
Blanket 
Coinsurance 
Use and 
Occupancy 
Form 
too do the earnings of other classes of business fluctuate 
according to weather conditions or other indefinite 
seasonal influences. It is necessary therefore, to select 
the form which is most adaptable to the particular 
characteristics of the earnings under consideration. 
Usually, a standard form will cover all phases of a busi- 
ness. However, where necessary, special forms may be 
obtained to meet the special conditions which surround 
certain types of business. 
The earnings of many present-day enterprises fluc- 
tuate in such a manner that it would be quite impossible 
to estimate at the beginning of any policy year the 
periods of busy or slack operations. To meet the need 
for a comprehensive coverage on this type of earnings, 
the Coinsurance Use and Occupancy form was devised. 
For sake of comparison we shall liken it to a blanket 
fire insurance policy form. The Coinsurance Use and 
Occupancy form provides blanket cover without speci- 
fying a daily or weekly limit of liability. All that is 
necessary to secure proper protection is the mainte- 
nance of sufficient insurance to comply with the coin- 
surance provision of the policy. 
The earnings of a department store offer a good 
example of retail distribution which could be advanta. 
geously insured under the Blanket Coinsurance form. 
[t should not be difficult for the average department 
store operator to approximate closely the full annual 
ousiness expected during a next ensuing twelve-month 
period, but it might be difficult for him to foresee the 
fluctuations of these earnings and the periods during 
which they will occur. The Blanket Coinsurance 
form covers this situation with a minimum of guess. 
work. 
However this is not meant to imply that the Blanket 
Coinsurance form is not readily adaptable to cover the 
earnings of the producer (manufacturer), wholesale dis. 
tributor, or “Service” organization. Always the type 
of earnings will have a bearing on the selection of the 
most desirable form. 
The Blanket Coinsurance form is divided into two 
nsuring items, as follows: 
tem I. g........On (a) the net profit which is thereby prevented from being 
earned and 
4) such charges and other expenses, including salaries of 
officers—executives—department managers—employees 
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