Hartford Live Stock Insurance v. Everett

The appellees were the owners of a race horse named “Asaph,” the life of which horse the appellants insured under a policy which contained the following stipulation: “Nor shall this company be liable for the death of any animal which shall have been subject to an operation of any kind during the life of this policy without the written consent of the company for such operation to be performed endorsed thereon or attached hereto and signed by its General Agent at Hartford, Connecticut.”

Without obtaining the consent of the company, the appellees, as is often done with race horses, had one of the…