Additions or changes made by a lessee, at his own cost, to a building which he is occupying which enhances its value. These become part of the realty and require special insurance consideration.
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An independent person or firm who acts on behalf of the Insured in placing business with the Insurance Company. Responsible for the collection of premiums but having no authority to give coverage on the Insurance Company’s behalf without their specific agreement. Compensation is on a commission or fee basis.