
    Germania Fire Insurance Co. v. Schild.
    
      Insurance policy—Stipulation ‘‘this entire policy shall be void”— Not a severable risk, when.
    
    An insurance policy which contains a stipulation that “this entire policy shall be void” on certain named conditions, is not a severable risk, although the amount of insurance is distributed among different classes or articles of property. Coleman & Co. v. Insurance Co., 49 Ohio St., 310, distinguished.
    (No. 8051
    Decided October 27, 1903.)
    Error to the Circuit Court of Huron county.
    The defendant in error sued upon a policy of insurance which contained the following clause:
    “This entire policy shall be void if the insured has concealed or misrepresented, in writing, or otherivise, any material fact or circumstance concerning this insurance or the subject thereof; or if the interest of the insured in the property be not truly stated herein; or in case of any fraud or false swearing by the insured touching any matter relating to this insurance or the subject thereof, whether before or after a loss.”
    The policy was for the sum of $625, and was distributed as follows: $200 on office furniture and fixtures of every description, useful and ornamental, including carpets, rugs, desks,, chairs, tables, library case, medicine cases; $250 on surgical instruments and medicines of all kinds, used in the business of the insured; $75 on surgical operating chair; and $100 on medical library, all while contained in the two and one-half story, shingle roof, frame building, situate on No. 71 Brownell street, Cleveland, Ohio.
    On the trial it appeared that the surgical operating chair had been bought by the plaintiff on a conditional purchase, the title remaining in the vendor until the chair was fully paid for;, and it further appeared that the chair had not been fully paid for when the policy was issued; and, therefore, that the interest of' the plaintiff in the property insured was not truly stated in the policy.
    The court charged the jury as follows:
    “The first and second of these defenses relate to the ownership of the property insured. It is said that it is one of the conditions of the policy that if the interest of the plaintiff was not truly stated, or if he was not the sole and unconditional owner of the property insured, or if the property was encumbered by chattel mortgage, then the policy is void. I say to you that in such case, the policy would be rendered void in part, but not necessarily in its entirety; that is to say it would be void, and plaintiff would have no right of action upon it as to any item or items of the property insured to which either of these misstatements or defective statements applied; but the policy in other respects, and as to the other property insured would remain in force.
    “This defense is particularly applicable to the so-called surgical chair mentioned in the policy. Under the undisputed evidence in the case, the plaintiff is not ■entitled to a verdict for any loss sustained by the destruction of said chair or damage to it.”
    And the court refused to instruct the jury to the effect that if they should find from, the evidence that at the time of securing the policy of insurance the plaintiff was not the sole and unconditional owner of the surgical chair, and that he fraudulently concealed this fact from the insurance company, then this was such a concealment and misrepresentation as would avoid the whole policy, and the plaintiff could not recover. Verdict was rendered for the plaintiff in the :sum of $430. A motion for a new trial was overruled, and a bill of exceptions taken, and petition in error filed in the. circuit court, which court affirmed the judgment of the court of common pleas.
    
      Mr. O. IF. Fuller and Messrs. Andrews Bros., for plaintiff in error, cited and commented upon the following authorities:
    
      Coleman & Co. v. Insurance Co., 49 Ohio St., 310; Merrill v. Insurance Co., 73 N. Y., 452; Schuster v. Insurance Co., 102 N. Y., 260; Smith v. Insurance Co., 118 N. Y., 518; Insurance Co. v. Myers, 62 Ohio St., 533; West v. Insurance Co., 27 Ohio St., 1; McQueeny v. Insurance Co., 52 Ark., 257; Insurance Co. v. Clark, 53 Ohio St., 414; Loomis v. Insurance Co., 77 Wis., 89; Carey v. Insurance Co., 84 Wis., 80; Burr v. Insurance Co., 84 Wis., 76; McGowan v. Insurance Co., 54 Vt. 211; Insurance Co. v. Tilley, 88 Va., 1024; Samo v. Johnson, 2 Can. Sup. Ct., 411; Cuthbertson v. Insurance Co., 96 N. C., 480; Martin v. Insurance Co., 31 Atl. Rep. (N. J.), 213; Thomas v. Assurance Co., 162 Mass., 29; Friesmith v. Insurance Co., 10 Cush., 587; Brown v. Insurance Co., 11 Cush., 280; 
      Lee v. Insurance Co., 3 Gray, 583; Kimball v. Insurance Co., 8 Gray, 33; Insurance Co. v. Hamilton, 82 Md., 88; Baldwin v. Insurance Co., 60 N. H., 422; Insurance Co. v. Spankneble, 53 Ill., 53; Insurance Co. v. Walsh, 54 Ill., 164; Clark v. Insurance Co,, 6 Cush., 342; Insurance Co. v. Lawrence, 4 Metc. (Ky.), 9; Insurance Co. v. Howell, 54 S. W. Rep. (Ky.), 852; Names v. Insurance Co., 95 Ia., 642; Insurance Co. v. Connally, 56 S. W. Rep. (Tenn.), 828; Cushman v. Insurance Co., 5 Allen, 246; Moore v. Insurance Co., 28 Gratt. (Va.), 508; Schweinfurth, Admr., v. Railway Co., 60 Ohio St., 232; Sternfield v. Insurance Co., 50 Hun. 262; Levy v. Baillie, 7 Bing., 349; Brugnot v. Insurance Co., 12 La., 326; McLeod v. Insurance Co., 1 Russ. & Geld. (N. S.), 21; Joyce on Ins., secs. 3341, 3342; Richards on Ins., sec. 135; also page 144; Ostrander on Ins., pp. 87, 88; May on Ins., note to sec. 277; sec. 27 (4 ed.); 2 May on Ins., (4 ed.), sec. 477; Plath v. Insurance Co., 23 Minn., 479; Assurance Co. v. Stoddard, 88 Ala., 606; Barnes v. Insurance Co., 51 Me., 110; Dole v. Insurance Co., 51 Me., 472; Havens v. Insurance Co., Ill Ind., 90; Gottman v. Insurance Co., 56 Pa. St., 210; Elliott v. Insurance Co., 66 Pa. St., 22; Monaghan v. Insurance Co., 53 Mich., 238; Garver v. Insurance Co., 69 Ia., 202; Bryan v. Insurance Co., 8 W. Va., 605; Geiss v. Insurance Co., 123 Ind., 172; Herman v. Insurance Co., 45 N. Y. Super. Ct., 402; Bank v. Insurance Co., 57 Conn., 335.
    
      Air. A. M. Beattie, for defendant in error, argued orally but submitted no brief.
   Davis, J.

It has been twice adjudged by this court that policies of insurance, like other contracts, should ibe reasonably construed, so as to give effect to the express words of the parties and not to defeat their intention. West et al. v. Insurance Co., 27 Ohio St., 1, 9-10; Insurance Co. v. Myers, 62 Ohio St., 529. See also Joyce on Insurance, secs. 208, 216. And this, rule of construction should be observed notwithstanding the rule that when a policy is open to two interpretations which are equally fair, that one should be preferred which would give to the insured the greater-" indemnity.

There is no ambiguity in this policy; and it is not. contended that it is ambiguous. Counsel for the defendant in error insists that the words: “This entire policy shall be void,” etc., have no more force than if the word “entire” were omitted, and that therefore-this case is controlled by Coleman & Co. v. Insurance Co., 49 Ohio St., 310. There is much force in the argument that the clauses, “This policy shall become-void” and “This entire policy shall become void,”' mean the same thing; but by no legitimate construction can the latter clause be restricted to less than the-whole policy and whatever is included in it, and therefore the strength of the argument, if it has any, goes-to the soundness of the decision in Coleman & Co. v. Insurance Co. The two cases, however, are plainly distinguishable. In the former case the language used in the policy, whether ambiguous in itself or not, had frequently been the subject of construction and- ingenious debate, resulting in diametrically opposite conclusions in the courts. In this case the parties, no-doubt with knowledge of previous controversies, seem to have endeavored to put the indivisible character of their contract beyond controversy by inserting the word “entire;” and in our judgment they succeeded in their purpose. Unless we reject this controlling word and thus'make a new contract for the parties, the-policy means precisely what it says and cannot be valid in part and void in part. The parties have agreed that it should not be a severable risk and they have clearly expressed that intention.

In one case the policy provided that: “This entire policy, unless otherwise provided by agreement indorsed thereon or added hereto, shall be void,” etc. It was held that: “The stipulation in regard to the forfeiture is applicable to the policy as an entirety .” Insurance Co. v. Hamilton, 82 Md., 88.

In another case the policy contained these words: “This entire policy, unless otherwise provided by agreement indorsed hereon or added hereto, shall be void, if the subject of insurance be a building on ground not owned by the insured in fee simple.” The insured owned the building which was insured but did not own the land on which it stood. The court said: “We have looked to see whether the suit might not go on as to the chattels contained in the building. The words of the written contract are: ‘This entire policy, etc.,, shall be. void if the subject of insurance is a building,’ etc. This language is plain and must control;” and the court directed the lower court to enter judgment for the defendant. Martin v. Insurance Co., 57 N. J. Law, 623.

In New York the court of appeals has distinguished a policy providing that “this entire policy and every part thereof shall be void” from cases which are cited, and which are like Coleman & Co. v. Insurance Co., supra, the court saying: '“This policy is quite different in its legal effect from those considered in' the cases cited, it not being expressly provided in those policies, as in this, that a misrepresentation of the situation of one of the subjects insured should invalidate the insurance on all other property covered bv the policy.” Smith v. Insurance Co., 118 N. Y., 518, 526. “Every part thereof” includes the whole the same as “This entire policyand we therefore do not regard this New York policy as materially differing; in its provisions from the one in the case at bar.

The judgments of the circuit court and the court of' common pleas are

Reversed.

Burket, C. J., Shauck, Price and Crew, JJ., concur.  