Community for Insurance Claim Adjusters & Surveyors

Rubber is the name given to elastic, high – molecular compounds capable of changing their shape (deforming) when acted upon by an external force of rapidly resuming their orginal shape when the force is removed. The elastic properties of rubber are due to the fact that the linear macromolecules of the material which normally are […]

With the general knowledge of the processes involved in the manufacture of tea appreciation of the fire hazards becomes a simpler task, but the variation between factory and factory, as well as between district and district, is so considerable that the underwriter must know not only details of construction and external hazards, but must also […]

INTRODUCTION Tea is an immemorial crop originally grown and manufactured by peasants in a very primitive manner. Mechanical means of cultivation, the use of fertilisers and power driven machinery in factories of modern design have revolutionised in many respects the primitive technique. But the care of the individual bush and the harvesting of the crop […]

Majority of fire accidents occur as a result of carelessness and elimination of carelessness is a major problem. The problems can be best avoided by in-depth study and understanding of the manufacturing process and the environment. Hazards in Cotton Industry start right from the inception, i.e. from cotton in its fully compressed form (bales) and […]

The Cotton Textile Industry is essentially a conversion industry i.e. unlike in other industries, raw material does not undergo fundamental change in basic manner but here the raw material exists in the same form but undergoes a structural change only. Thus cotton or synthetic staple fibre is stretched into yarn and then woven into cloth. […]

1. COTTON – GENERAL INFORMATION : Even when civilization was not advanced to the present stage, man knew the art of spinning and weaving have remained unchanged, new techniques and continued refinements have led to the development of a world-wide industry with the application of powered machinery to the basic processes during the 19th and […]

The assignment of the policy contained in the policy, being a purely personal one, does not run with the subject-matter of insurance in the same way as certain contracts are said to run with the land. An assignment of the subject-matter, therefore, does not of itself operate as an assignment of the policy so as […]

The assured is not prohibited by law from effecting as many policies as he pleases on the same subject-matter and against the same risk, and the existence of several policies at the same time does not affect the validity of the individual insurances, though his rights under any particular policy may, in the event of […]