Waiver. Inclusion of policy provisions against, §33-16-10. Certificates of authority. Issuance, §33-16-4. Qualifications, §33-16-4. 1154 INDEX FARMERS’ MUTUAL FIRE INSURANCE COMPANIES —Cont’d Charters. Applications, §33-16-3. Granted by secretary of state, §33-16-3. Contingent liability of members.