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Accident action Alliance allowed amount Annuity apply Arthur Assurance average become benefit Bonus British building caused cent charge Charles claim Commercial Union Company connection consideration considered contract cost course Court cover damage death Edinburgh effect electricity Employers Endowment examination experience fact Fire Fund George give given Glasgow Globe ground hand important increased injury Institute Insurance interest James John Lancashire less liability lightning Liverpool lives London loss Manchester means method months mortality nature necessary negligence Norwich occur Ocean Office ordinary paid passing payable payment period person position possible practice premiums present Profits proposal question reason received refer regard Reserve respect result risk Robert rods Royal Scottish standing Surrender Value Table taken term Thomas turnover Union usually whole Yorkshire