The co-insurance clause on property insurance policies (buildings, contents, stock and equipment) has been in existence since about the turn of the twentieth century. It is a concept, however, that is. still highly misunderstood by many insurance buyers. The provision is included as a way to assure that the insurance carrier receives the proper premium for the risk it is assuming. The co-insurance clause states that the insured must carry an insurance limit on its property in an amount greater than or equal to a certain percentage of its total value, usually 80, 90 or 100 percent.
What Is Enlightenment? Enlightenment is man's emergence from his self-imposed nonage. Nonage is the inability to use one's own understanding without another's guidance. This nonage is self-imposed if its cause lies not in lack of understanding but in indecision and lack of courage to use one's own mind without another's guidance.
The American Enlightenment is a period of intellectual ferment in the thirteen American colonies in the period 1714â1818, which led to the American Revolution, and the creation of the American Republic.he Scottish Enlightenment also influenced American thinkers. David Hume's Essays and his History of England were widely read in the colonies, and Hume's political thought had a particular influence on James Madison and the Constitution.