USE AND OCCUPANCY INSURANCE 
Contingent 
Use and 
Occupancy 
Insurance 
Hazards 
Against 
Which We 
Insure 
necessarily be used. There are certain other Use and 
Occupancy insurance forms which have been designed 
to cover earnings of the constant or definite type. 
These forms do not cover in a blanket manner and are 
quite inelastic. They must, therefore, be used with 
caution. In a few instances, these other forms will pro- 
vide complete coverage at a lower premium cost than 
the Blanket Coinsurance form, but as a rule the pre- 
mium cost is approximately the same. It is our opinion 
that all other Use and Occupancy insurance forms will 
be discarded in favor of the Blanket Coinsurance form 
as soon as the superior features of the Blanket form are 
generally understood. 
A business enterprise may be seriously crippled by 
fire damage to or destruction of some property other 
than that used and occupied by a policy-holdér. For 
example, damage to or destruction of an outside power 
plant, or some institution on which the policy holder 
may be dependent for parts or processing of parts enter- 
ing into the finished product, or a plant to which the 
policy-holder’s product is sold, could prove as disastrous 
to the policy-holder’s earnings as an interruption caused 
py damage to or destruction of the premises occupied 
by him. The loss of earnings resulting from a remote 
cause of this description may be covered under a form 
of insurance contract known as Contingent Use and 
Occupancy Insurance. Due consideration should be 
given to the possibility of a business interruption by 
reason of a remote occurrence when surveying a busi. 
ness in preparation for Use and Occupancy insurance. 
Of course, a Fire is not the only calamity that causes 
an interruption of business earnings. In addition to in- 
suring a business against loss of earnings by Fire, the 
‘America Fore” group of insurance companies also 
insures earnings against interruption by Windstorm, 
Explosion, Riot and Civil Commotion, Sprinkler 
Leakage, by the explosion of Steam Boilers and pres- 
sure vessels, by the bursting of Fly Wheels and Pulleys, 
and by the breakdown of Engines, Turbines, and 
Electrical Machinery. The presence of any or all of 
‘hese hazards will differ according to the conditions 
surrounding the operations of various businesses. 
All phases of possible interruption and causes should 
be given special consideration when determinining 
he Use and Occupancy insurance needs of an enter. 
yrise.