14.   Negligence

      a.   Contributory

      b.   Comparative

    15.   Proximate cause

    16.   Warranties

    17.   Representations

    18.   Concealment

    19.   Liability

    20.   Bodily injury liability

    21.   Property damage liability

    22.   Personal injury liability

    23.   Incidental contracts

    24.   Binders

    25.   Coinsurance

    26.   Pair and set clause

    27.   Extensions of coverage

    28.   Additional coverages

    29.   Cancellation

    30.   Nonrenewal

    31.   Vacancy and unoccupancy

    32.   Right of salvage

    33.   Abandonment

    34.   Negligence

  B.   Policy provisions

     1.   Elements of a contract

     2.   Declarations

     3.   Insuring agreement

     4.   Sources of insurability information

     5.   Conditions