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ENCYCLOPÆDIA METROPOLITANA;

OR,

UNIVERSAL DICTIONARY OF KNOWLEDGE.

Fourth Division,

INSUFFI-
CIENT.

MISCELLANEOUS AND LEXICOGRAPHICAL.

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CIENT.

INSUIT.

They say my talent is satire: if it be so, it is a fruitful edge, and INSUFFI-
there is an extraordinary crop to gather. But a single hand is insuf-
ficient for such a harvest.
Dryden. Dedication to Eleanora, un Elegy.
It may here perhaps be pretended by modern Deists, that the great
ignorance and undeniable corruptness of the whole Heathen world,
has always been owing, not to any absolute insufficiency of the light
of nature itself, but merely to the fault of the several particular per-
sons, in not sufficiently improving that light.

Clarke. The Evidences of Natural and Revealed Religion, p. 313.
At the time when our Lord came, the insufficiency of the Jewish
religion, of natural religion, of antient tradition, and of philosophy,
Jortin. Discourse 4. vol. i. p. 99. On the Christian Religion.
Man, 'tis true,

Also ladie my meoble is insuffisaunte, to counteruaile the price of fully appeared. this iewell, or els to make the eschaunge.

Chaucer. The Testament of Loue, book i. fol. 289.

That is sooth (qd. she) then leueth there, to declare yt thy insuffi-
saunce is no maner letting.
Id. Ib. book i. fol. 294.

Seying the deedes were vnperfect, and had sinne annexed vnto the by
reason of the flesh, and were insufficient to excuse theyr own maisters.
Tyndall. Workes, fol. 400. Exposition upon the first Epistle of St.
John, ch. ii.

If they shall perceiue any insufficiencie in you, they will not omitte
any occasion to harm you.

Hakluyt. Voyages, &c. vol. ii. 172. M. Will. Harborne.

If a word pass'd that insufficient were,
To help that word mine eye let forth a tear;
And if that tear did dull or senseless prove,
My heart would fetch a throb to make it move.
Drayton. England's Heroical Epistles. King John to Matilda.
Wee will giue you sleepie drinkes, that your sences (vn-intelligent
of our insufficience) may, though they cannot praise vs, as little accuse
Shakspeare. The Winter's Tale, fol. 277.

us.

"Tis very just and fit that we should address ourselves to him by
prayer, to acknowledge our own insufficiency and dependence on him
for the mercies we expect.
Glanvil. Sermon i.

P.

21.

As insufficiently, and to say truth, as imprudently did they provide
by their contrived liturgies, lest any thing should be erroniously pray'd
through ignorance, or want of care in the ministers.

Milton. Works, vol. i. fol. 83. Animadversions upon the Remon-
strants' Defence, &c.

VOL. XXIV.

Smit with the beauty of so fair a scene,
Might well suppose th' artificer divine
Meant it eternal, had He not Himself
Pronounc'd it transient, glorious as it is,
And still designing a more glorious far,
Doom'd it as insufficient for his praise.

Cowper. The Task, book v.
INSUFFLATION, Lat. of the Lower Ages, insuf-
flatio, from insufflare, in, sub, and flare, to blow or
breathe into. See EXSUFFLATION.

Blowing or breathing into, inbreathing, inspiration.
Sec. 14. The second part of confirmation is the prayer and bene-
diction of the bishop, the successor of the apostles in this office, and
that made more solemn by the ceremony of imposition of hands, a
custom indeed of the Jewish parents in blessing their children, but
taken up by the apostles themselves, instead of that divine insufflation,
which Christ had used to them in conferring the Holy Ghost.

Hammond. Works, vol. i. fol. 496. Of Fundamentals.
Adam with that of Christ, Job. xx. 22. upon the apostles, tells us that
Thus St. Basil, expressly comparing the divine insufflation upon
it was the same Son of God, "by whom God gave the insufflation,
then indeed together with the soul, but now into the soul."
Bishop Bull. Works, vol. ii. p. 314. The State of Man before the Fall.
INSUIT, in, and suit, Fr. suite, from suyvre, to
follow. Applied to

A petition, or request, or solicitation, (followed or
pursued.)

B

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Not fitted or adapted to.

His strange countenance and gait amazed Don Ferdinando and his companions very much, seeing his ill-favoured visage so withered and yellow, the inequality and the insuitability of his arms, and his grave manner of proceeding.

Shelton. Don Quixote, vol. ii. p. 128.

The incoherences of stile in the scriptures, the odd transitions, the seeming contradictions, chiefly about the order of time, the cruelties enjoined the Israelites in destroying the Canaanites, circumcision, and many other rites of the Jewish worship, seemed to him insuitable to the divine nature. Burnet. Life of Rochester.

I'NSULA Sp. insular; Lat. insularis, from in

Fr. insulaire; It. insolare, isolare;

INSULA'RITY, sula, quasi in salo; as if in the sea; I'NSULATED. surrounded by it. See Vossius. Surrounded by the sea, by water; separated or disconnected on all sides from land; generally, separate, disconnected.

But these are the natural effects of parity, popular libertinism, and insulary manners.

Evelyn. Miscellaneous Writings. A Character of England, p. 150. 109. It is much to be lamented that our insulars, who act and think so much for themselves, should yet from grossness of air and diet, grow stupid or doat sooner than other people, who by virtue of elastic air, water-drinking, and light food preserve their faculties to extreme old age.

Berkeley. Works, vol. ii. p. 516. Siris, sec. 109. It is incredible how soon the account of any event is propagated in these narrow countries by the love of talk, which much leisure produces, and the relief given to the mind in the penury of insular conversation by a new topick.

Johnson. Works, vol. viii. p. 338. A Journey to the Western Islands. In his first voyage to the South Seas, he discovered the Society Islands; determined the insularity of New Zealand; discovered the Straits which separate the two Islands, and are called after his name; and made a complete survey of both.

Cook. Voyages, vol. vii. book v. cn. iii. p. 45. The regicide power finding each of them insulated and unprotected, with great facility gives the law to them all.

Burke. Works, vol. viii. p. 115. On a Regicide Peace. There may perhaps be reason to suspect fire to have been a principal agent in the formation of this insulated mountain. [Montserrat.] Swinburne. Spain, let. 8. p. 54 It. and Sp. insulso; Lat. insulsus, non salsus, (in, privative, and salsus,

INSU'LSE, INSU'LSITY. from sal, salt.)

Insipid or unsavoury, tasteless, senseless.

The Masoreths and Rabbinical Scholiasts not well attending, have often us'd to blur the margent with keri instead of ketiv, and gave us this insulse rule out of their Talmud, that all words which in the law are writ obscenely, must be chang'd to more civil words. Millon. Works, vol. i. fol. 115. An Apology for Smectymnuus. Though they taught of virtue and vice to be both the gift of divine destiny, they could yet give reasons not invalid, to justify the councils of God and fate from the insulsity of mortal tongues.

I. Ib. fol. 188. INSULT, v. I'NSULT, n.

INSULTANCE,
INSULTATION,
INSULTER,
INSULTING, n.
INSULTINGLY,
INSU'LTMENT.

The Doctrine and Discipline of Divorce. Fr. insulter; Sp. insultar; It. insultare; Lat. insultare, to leap on or against, (in, and saltare, from salire, to leap; Gr. a-ouai.)

To leap on or against; (contemptuously, offensively, or with a view to provoke or offend ;) to trample upon; to act, behave, or

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And they know how
The lion being dead, even hares insult.

Daniel. A Funeral Poem.
What if He hath decreed that I shall first
Be try'd in humble state, and things adverse,
By tribulations, injuries, insults,

Contempts, and scorns, and snares, and violence.

Milton, Paradise Regained, book iii. 1. 190. Not upon a cavelling curiosity or vaine ostentation, to dispute sophistically, and discourse thereof only, or to make a show of our eloquence, in talking of the instances, the insults, the intercidences, communities of diseases, and all to shew what books we have read, and that we know the words and tearmes of physick.

Holland. Plutarch, fol. 508. Precepts of Health.
We then might see

The Cyclop at the hauen; when instantly

I staid our ores, and this insultance vsede:
Cyclop thou shouldst not haue so much abusde
Thy monstrous forces.

Chapman. Homer. Odyssey, fol. 140. But if the maine grounds of Christianity were throughly settled in the hearts of the multitude, wee should not have so much cause of shame and sorrow, nor our adversaries of triumph and insultation.

Hall. Works, vol. i. fol. 375. Pharisaisme and Christianitie. When he [Phineas] saw this defiance bidden to God, and this insultation upon the sorrow of his people, that whiles they were wringing their hands, a proud miscreant durst outface their humiliation with his wicked dalliance; his heart boyles with a desire of an holy revenge.

Id. vol. i. fol. 898. Contemplations. Of the Death of Moses.
Now quick desire hath caught her yielding prey,
And glutton-like she feeds, yet never filleth;
Her lips are conquerors, his lips obey,

Paying what ransom the insulter willeth.

Shakspeare. Venus and Adonis.

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For let that proud Pharisee that shall reprove a Publican with words of insultation and boasting, that he is not such an one as he, tell me how he knows that, had he been placed under the same circumstances and opportunities of sin, he should not have been prevailed upon to do the same.

p.

South. Sermons, vol. vii. 1554. Thus religious massacres began and were carry'd on; temples were demolish'd; holy utensils destroy'd; the sacred pomp trodden under foot, insulted; and the insulters in their turn expos'd to the same treatment in their persons as well as in their worship.

Shaftesbury. Miscellaneous Reflections, ch. i. mis. 2. p. 62. Cranmer's recantation was presently printed, and occasioned almost equally great insultings on the one hand, and dejection on the other. Burnet. History of the Reformation, Anno 1556.

And sure as insultingly as the Jews use to urge against us objec tions of that nature, I could readily retaliate, and repay them in the same coin, were there no common enemy that might be advantaged by our quarrel, and employ either's arguments against both. Works, vol. ii. p. 278. Of the Style of the Holy Scriptures. Yet ev'n these bones from insult to protect,

Boyle.

Some frail memorial still erected nigh,

With uncouth rhymes and shapeless sculpture deck'd,
Implores the passing tribute of a sigh.

Gray. Elegy written in a Country Church-yard. The cause assigned, of forbidding to answer, therefore, plainly insinuates that the defender of religion should not imitate the insuller

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Here, said they insultingly, is a specimen of that truly liberal spirit with which one learned friend should exert himself when he would do honour to another.

Hurd. Works, vol. viii. p. 299. On the Delicacy of Friendship. INSU’PERABLE, Fr. insuperable; It. insupeINSU PERABLY. rabile; Sp. insuperable; Lat. insuperabilis; in, privative, and superabilis, from superare, from superus, super; Gr. vπép, over or above.

That cannot be got over, cannot be overcome; unconquerable, invincible.

He empeached the joining together of three hundred thousand fighting men at one time, all invincible souldiers, and appointed with arms insuperable, that they might not invade and overrun all Italy.

Holland. Plutarch, fol. 523. Romans Fortune.
With thicket overgrown, grottesque, and wilde,
Access denied ; and over head up grew
Insuperable highth of loftiest shade,

Cedar, and pine, and firr, and branching palm.

Milton. Paradise Lost, book iv. 1. 138.
Deep as the rampant rocks,

By Nature thrown insuperable round,

I planted there a league of friendly States,
And bade plain freedom their ambition be.

Thomson. Liberty, part iv.

Many who toil through the intricacy of complicated systems are insuperably embarrassed with the least perplexity in common affairs. Johnson. The Rambler, No. 180.

INSUPPO'RTABLE, INSUPPO'RTABLENESS, INSUPPORTABLY.

Also written Unsupport-able, q. v. Fr. and Sp. insupportable, from Lat. in, privative, and supportare, (sub, and portare, to carry, to bear.)

That cannot be borne or carried; sustained, suffered, tolerated, or endured; insufferable, intolerable.

That, when the knight he spide, he gan advaunce
With huge force and insupportable maine,
And towards him with dreadfull fury praunce.

Spenser. Faerie Queene, book i. can. 7.

But safest he who stood aloof,
When insupportably his foot advanc't,

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that particular, and of the insupportable burdens and oppressions But they, sensible of former usage after they had gratified him in they lay under, refused to grant any subsidies till their grievances Ludlow. Memoirs, vol. i. p. 8. The first day's audience sufficiently convinced me of my errour, and that the poem was insupportably too long.

should be redressed.

Dryden. Preface to Don Sebastian, Were it not for that rest which is appointed on the first day of the week, and the solemn meetings which then take place for the purposes of social worship and religious instruction, the labours of the common people, that is, of the greatest part of mankind, would be insupportable.

Beattie. Moral Science, vol. i. part. ii. ch. iii. sec. 1. p. 389. They [the Spaniards] were made at once insupportably insolent, and might perhaps have become irresistibly powerful, had not their mountainous treasures been scattered in the air with the ignorant profusion of unaccustomed opulence.

Johnson. Works, vol. viii. p. 87. Falkland Islands. INSUPPRE'SSIBLE, From Lat. in, and supSprimere, suppressum,

INSUPPRESSIVE.

to

press down, (sub, and premere, to press.) Insuppressive is used passively.

That cannot be suppressed, or pressed, or kept down or under; kept out of sight or hidden. Do not staine

The euen vertue of our enterprize,

Nor th' insuppressiue mettle of our spirits,
To thinke, that or our cause or our performance
Did neede an oath.

Shakspeare. Julius Cæsar, fol. 115. Such an example have we in Addison; which, though hitherto suppressed, yet, when once known, is insuppressible, of a nature too rare, too striking to be forgotten.

Young. On Original Composition.
Man must soar;

An obstinate activity within,
An insuppressive spring, will toss him up
In spite of fortune's load.

Id. The Complaint. Night 7.

INSURE.

INSU'RE, Also written Ensure, q. v. In, and INSURANCE, sure; Fr. seur; Lat. securus, sine INSURANCER, (curâ, without care, careless, confident. INSU'RER. To make sure or secure, firm, steady, certain; to give assurance or security; to free or exempt from hazard, risk, or loss; to affirm or declare confidently.

And therefore vntill we see some meanes founde, by the wniche a reasonable reformation may be had on the one partie, and sufficient instruction for the poore commos, I insure you I neither will nor can cease to speake.

Frith. Workes, fol. 115. A Booke of the Sacrament of the Body and Bloud of Christ.

And I insure you, if there were no worse mischiefe that ensued of this beleefe, then it is in it selfe, I would neuer haue spoken against it. Id. Ib. fol. 151. They gave orders to their factor to take up at Amsterdam two thousand four hundred Dutch pounds, to insure the said ship.

Milton. Works, vol. ii. fol. 195. Letters of State.

This befals them, when beautie (the fadingness whereof is the greatest detector and impeacher of our frailtie) proves an insurer of the lastingness of this life.

Mountague. Devoute Essayes, Treat. 11. part ii. sec. 3.

IV. Young men of quality, and officers of the army, must be insured at pretty high rates, they being liable to bragging and incoustancy. Tatler, No. 320.

The vain insurancers of life,
And he who most perform'd, and promis'd less,
Ev'n short himself, forsook th' unequal strife.
Dryden. Threnodia Augustalis.

The person who pays no more than this evidently pays no more than the real value of the risk, or the lowest price at which he can reasonably expect to insure it.

Smith. Wealth of Nations, vol. i. book i. ch. x. p. 147. When all the rites were performed, the sublime Druids gave the becatomb to the flames, as an offering grateful to their gods, as the most acceptable insurance of the divine protection.

Mickle. Inquiry into the Bramin Philosophy.

In order to make insurance, either from fire or sea risk, a trade at all, the common premium must be sufficient to compensate the common losses, to pay the expense of management, and to afford such a profit as might have been drawn from an equal capital employed in any common trade. Smith, Wealth of Nations, vol. i. book i, ch. x. p. 147.

INSURE.

INSUR-
ANCE.

Division.

Marine In

surance.

Origin.

Introduced into England by the Lombards in

century.

event.

The far-fam'd sculptor, and the laurell'd bard,
Those bold insurancers of deathless fame,
Supply their little feeble aids in vain.

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Blair. The Grave.

That the chance of loss is frequently undervalued, and scarce ever
valued more than it is worth, we may learn from the very moderate
profit of insurers.
Smith. Wealth of Nutions, vol. i. book i. ch. x. p. 146.
INSURANCE, in Law, is a contract by which the In-
surer undertakes, in consideration of a premium equi-
valent to the hazard run, to indemnify the person Insured
against certain perils or losses, or against a particular
There are three kinds of Insurances in common
use in England, Insurance against losses at sea, called
Marine Insurance; Insurance against losses by fire, Fire
Insurance; and Insurance against death, Life Insurance.
I. Marine Insurance. -When we consider the great
advantages which this species of contract affords to the
commercial world, it is somewhat surprising that no
vestiges of its existence previous to the Xth or XIth
centuries can be discovered either in the Laws or His-
tories of those times. The Maritime Laws of the Ro-
mans, which were founded on the celebrated Code of
Rhodes; the Tabula Amalfitana and the Consolato del
Mare, codes which were severally promulgated in Italy
in the XIIth and XIIIth centuries; the Maritime Laws
of Wisby, in Gothland, which, perhaps, are of yet
earlier date; the Laws of Oleront which were drawn
up towards the end of the XIIth century, under the
authority of Richard I.; and the later Hanseatic Laws,
are all silent on the subject of Insurance, although they
treat exclusively of maritime and commercial affairs.
There are some few passages in classical authors which
have created an idea that Insurances were not utterly
unknown to the Romans; but it is not to be supposed
but that, if the contract had been in general use, the
Laws would have noticed it, because in those Countries
where it is known to have been in use, the regulations
relating to it have always formed a very extensive branch
of mercantile Law.

*

Beckmann states that the earliest known Articles of Insurance were drawn up by five persons in Florence on the 28th of January, 1523, and that these are still the XIIIth employed on the Exchange at Leghorn. They are printed in Italian and German by Magens, in his Versuche über assecuranzen, Hamb. 1753, p. 367. The invention itself probably may be ascribed to the Lom bards and Venetians; and it is generally supposed that it was introduced by the Lombards into England during the XIIIth century. The present form of Policies confirms this supposition, a clause being still inserted, "that this Policy of Insurance shall be of as much effect as any writing heretofore made in Lombard Street." In a Statute 43 Elizabeth, Marine Insurance is mentioned as a thing the origin of which was not then known on account of its extreme antiquity; which proves satisfactorily that before her time it had

ANCE.

A. D.

1601.

become the established practice in England, and, we INSUR-
may safely add, in all the commercial States of Europe.
By this Statute, a Court, called the Court of Policies
of Insurance, was established in London for the Court of
purpose of settling all disputes relating to them. From Policies of
Insurance,
this Court were issued the earliest regulations con-
cerning Insurance in England, which may be found
in Anderson's History of Commerce. It consisted
of the Judge of the Admiralty, two Doctors of Civil
Law, two Common Lawyers, and eight Merchants,
any five of whom constituted a quorum. Not being Disused.
found to answer the object for which it was established,
it soon fell into disuse, leaving Policy Causes to the
jurisdiction of the ordinary Courts of Law and Equity.
It is computed that, previous to the year 1756, when
Lord Mansfield became Chief Justice of the Court of
King's Bench, there were not more than sixty reported
Cases on questions of Insurance in all our law books;
and the greater part of these had received no solemn
decision from the Judges, but were merely loose ac-
counts of the mode in which Cases had been disposed
of in trials at Nisi Prius. The Law relating to In-
surance was consequently at that time in a crude and
imperfect state; but under the administration of that
most able Judge and of his successors, it has been reduced
into a regular system, embracing, however, too many
subjects to admit of a detailed account in the present
Work.

Insurers are generally called Underwriters, because Underwr
they write their names under the Policy; and it will ters.
be convenient to use this title instead of Insurer.
At Common Law any individual, Company, or partner-
ship could underwrite; but persons Insured having
frequently suffered losses from the insolvency of the
Underwriters, Parliament at length interfered for their
protection. Under the authority of Statute 6 George I. Restrained
c. 18. two Corporate Bodies, called the Royal Exchange by Statute.
Assurance Company and the London Assurance Com-
pany, were chartered by the Crown; and by the same
Statute all other Companies, partnerships, and Corpo-
rations were restrained from underwriting.
The right
of individuals to underwrite still, however, remains on
its original footing.

The form of the Policy now in use is the same which Form of has been employed for the last two hundred and fifty Policy. years; it is a strangely worded document, and nothing but its antiquity, which has attached to each clause a definite meaning, can protect it from censure. The most important points in it are, 1st, the nature of the things Insured; 2dly, the names of the places where the voyage is to begin and end; 3dly, the times of the commencement and termination of the risk; 4thly, the different hazards which the Underwriter takes upon himself; and, lastly, the premium.

1. On the first point it may be observed, that the Things Inship, the freight, or hire, which she is to earn upon the sured. voyage, the goods and merchandise which she carries, the money which is advanced upon her by way of BOTTOMRY and Respondentia,* and the commission and advantages which the captain is to derive from the voyage, may all be Insured. But by the Law of Eng- Wages may riage of Eleanora, daughter of the last Duke of Aquitaine, with Henry II. not permitted to Insure their wages. For it is justly land, and of all other maritime States, mariners are not be Insured.

Originally written in the Catalonian dialect. The best Edition
is Leyden, 1704, 4to.
An island opposite the mouth of the Charente, on the coast of
France, much distinguished in the XIth and XIIth centuries for its
Commerce. It was annexed to the crown of Eugland by the mar-

Under that Princess was framed the Règle des Jugemens d'Oleron in
the Gascon dialect, afterwards enlarged by Richard I.

Livy, xxiii. 44. xxv. iii. Suetonius, Tib. 18. Cicero, ad Fam.
ii. 17. are usually cited to this effect; but, as Beckmann has suffi-
ciently shown, without being to the purpose. (i. 382.)

In Bottomry the owner pledges the bottom of his ship, which is therefore answerable to the Insurer. In Respondentia, he pledges his goods, so that he is only personally answerable.

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