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FIFTH ANNUAL REPORT OF THE SUPERINTENDENT OF INSURANCE FOR THE PROVINCE OF BRITISH COLUMBIA 1916 (BUSINESS… British Columbia. Legislative Assembly 1916

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 FIFTH ANNUAL REPORT
OF   THE
SUPERINTENDENT OF INSURANCE
FOR   THE
PROVINCE OF BRITISH COLUMBIA
1916
(BUSINESS TRANSACTED IN 1915)
THE GOVERNMENT OF
THE PROVINCE OF BRITISH COLUMBIA.
PRINTED BY
AUTHORITY OP THE  LEGISLATIVE ASSEMBLY.
VICTORIA, B.C.:
Printed by  William II.   Clt.lin,  Printer  to  the King's  Most Excellent  Majesty.
1916.  To His Honour Frank Stillman Barnard,
Lieutenant-Governor of the Province of British Columbia.
May it please Your Honour :
The undersigned has the honour to present the Fifth Annual Keport of the Superintendent
of Insurance for the year ending December 31st, 1915.
L. A. CAMPBELL,
Minister of Finance.
Department of Insurance,
Victoria, B.C., June 23rd, 1916.  REPORT OF  SUPERINTENDENT OF INSURANCE.
The Honourable Lome A. Campbell,
Minister of Finance, Victoria, B.C.
Department of Insurance,
Victoria, B.C.., June 23rd, 1916.
Sir,—I have the honour to submit my report under the " British Columbia Fire Insurance
Act" and under the " Insurance Act" for the year ended 31st December, 1915.
I.   "BRITISH COLUMBIA FIRE INSURANCE ACT."
(1.) FIRE INSURANCE COMPANIES.
At the end of 1915 there were 114 companies licensed to transact the business of fire
insurance in this Province.
Where incorporated.
Dominion
Licensees.
Provincial
Licensees.
Total.
IS
6
26
29
4
18
6
5
24
31
53
4
1
1
1
1
Totals	
83
31
114
Dominion Licence.
During the year the British Dominions General Insurance Company, Limited, obtained
Dominion licence to transact fire, inland transportation, and sprinkler-leakage insurance.
Companies ceased Business in British Columbia.
Dominion Licensees,
Germania Fire Insurance Company.
Provincial Licensees.
Name of Company.
Austin Fire Insurance Company	
Commonwealth Fire Insurance Company	
Citizens Fire Insurance Company (of West Virginia).
Hamburg Bremen Fire Insurance Company.
Nord Deutsche Insurance Company	
Northwestern Insurance Company, Limited.
Business reinsured June, 1914, with Glens Falls Insurance Company.
Business reinsured December 31st, 1914, with Niagara Fire Insurance Company.
Owing to war between Great Britain and Germany.
Amalgamated with British Dominions General Insurance Company,
Limited. P 6
Report of the Superintendent of Insurance,
1916
New Companies admitted.
The following companies commenced fire insurance business in the Province during 1915:—
Name of Company.
With Dominion Licence.
Dominion of Canada Guarantee & Accident Insurance Company
London Guarantee & Accident Company, Limited	
Ocean Accident & Guarantee Corporation, Limited 	
The Phenix Fire Insurance Company of Paris, France	
Provincial Licensees.
National Benefit Life & Property Assurance Company, Limited (reinstated)..
Head Office.
Toronto, Ont.
London, Eng.
London, Eng.
Paris, France.
London, Eng.
(2.) FIKES.
The information contained in reports on fires received from city and district municipalities
has been arranged, as heretofore, in schedules to show the number of fires reported by each
municipality, the values destroyed, the causes of such fires so far as ascertained, and a classification of the property destroyed.
Amongst the causes most frequently reported are the following :—
Cause of Fire.
No.
Loss reported.
84
$33,245
57
43,383
64
66,990
24
7,713
26
17,811
20
11,707
16
17,544
Sparks from chimneys falling on shingle roofs	
Defective chimneys and fireplaces	
Furnaces, stoves, or pipes insufficiently protected	
Clothes, decorations, or firewood too near stoves or pipes
Smokers' carelessness *	
Sparks from fireplaces, furnaces, or stoves .*....
Defective furnaces, stoves, or pipes	
The whole list of " causes of fires " shows that the fire waste is due almost entirely to
preventable causes, the remedies for which are obvious but too frequently disregarded.
The importance of fire-prevention and the elimination thereby of fire waste is beginning
to be recognized. The City of Victoria had a "Clean-up Day" in 1915, and at the suggestion
of the Publicity Commissioner has just had (June, 1916) a "Spring Clean-up Day," which it
is reported met with greater success than in 1915. The civic authorities assisted by making
special arrangements with its garbage department for the removal of all rubbish and waste
material collected by citizens from their premises, and outside the fire limits citizens were
allowed by the fire department during a stated period to destroy rubbish by fire without
formal permit. At the instance of the Chief of the Fire -Department the objects and
advantages of the movement were explained to the school-children to enlist their co-operation
and to interest them in fire-prevention. The promoters hope that next year, with more
systematic preparation, more may be accomplished from an educational standpoint and that
there may be more widespread interest on the part of citizens. The example of the City of
Victoria might well be followed in other municipalities, both in spring and fall. It cannot be
calculated how much loss by fire is prevented by the removal of rubbish (combustible material)
likely to breed and spread fires, but there is no doubt that it diminishes both the number of
fires and the fire loss materially. The clean-up movement has been most successful where
public-spirited citizens (sometimes organized as a Fire Prevention Association) and the
authorities have co-operated so as to ensure a hearty response from the whole community. 6 Geo. 5
British Columbia.
P 7
The net losses (paid) reported by the fire insurance companies for the past three years
are as follows : 1913, $1,043,254.41 j 1914, $1,542,845.20 ; 1915, $1,311,370.18.
The fire losses reported by municipalities for the last two years are as follows :—
Fires reported.
Amount of Loss.
Loss over $10,000.
1914 	
1915 	
758 _
709
$1,639,834
1,230,810
19 fires.
The only large fires in unorganized districts were mill fires. The most destructive of
these, already referred to in the report of last year, occurred on April 4th, 1915, at Comaplix.
Careful investigation showed this fire to have been of incendiary origin, but evidence as to the
identity of the perpetrator of the crime was not obtainable.
Thirty-three fires of alleged suspicious origin were reported to the Department and
investigated.    There were three convictions for arson in the Province during 1915.
II. "INSURANCE ACT."
At the end of 1915 there were licensed under the " Insurance Act" ninety-four companies,
as follows:—
Where incorporated.
Dominion
Licensees.
Provincial
Licensees.
Total.
32'
5
17
'23
2
..fa
8
1
2
3
2
32
6
25
1
2
26
77
17
94
The business of the companies was distributed as follows :—
Life Insurance.—Twenty Canadian, six British, and seven American companies.
Accident Insurance.—Twelve Canadian, ten British, and nine American companies.
Sickness Insurance.—Twelve Canadian, nine British, and eight American companies.
Automobile Insurance.—Four Canadian, four British, and eight American companies.
Burglary Insurance.—Four Canadian, one British, and four American companies.
Explosion Insurance.—One Canadian company.
Guarantee Insurance.—Nine Canadian, five British, and four American companies.
Hail Insurance.—One American company.
Inland Transportation Insurance.—One Canadian, three British, and five American
companies.
Inland Marine.—One British company.
Live-stock Insurance.—One Canadian and one British company.
Marine Insurance.—One Canadian, ten British, two Hong Kong, one Australian, and
five American companies.
Plate-glass Insurance.—Two British Columbia, seven Canadian, five British, and six
American companies. P 8
Report of the Superintendent of Insurance,
1916
Sprinkler-leakage Insurance.—One British and one American company.
Steam-boiler Insurance.—Two Canadian and four American companies.
Fly-wheel Insurance.—One American company.
Tornado Insurance.—One Canadian and two American companies.
Ceased to do Business.
Federal Life Assurance Company (Dominion Licensee).
New Companies admitted.
The following were added to the list of licensed companies during 1915 :—
Name of Companyand Head Office.
With Dominion Licence.
British & Foreign Marine Insurance Company, Limited, Liverpool, Eng—
Northern Life Assurance Company, London, Ont	
Norwich Union Life Insurance Society, Norwich, Eng	
Travelers Indemnity Company, Hartford, Conn 	
Western Assurance Company, Toronto, Ont	
Provincial Licensees.
Royal Plate Glass Insurance Company of Canada, Vancouver, B.C	
Union Marine Insurance Company, Limited, Liverpool, Eng	
To Transact.
Marine, inland   transportation,  and sprinkler-leakage
insurance.
Life insurance.
Life insurance.
Accident, sickness, steam-hoiler, plate glass, burglary,
automobile, and fly-wheel.
Marine, inland transportation, explosion, and tornado.
Plate-glass insurance.
Marine, inland marine, inland transportation, accident,
and automobile insurance.
The name of the First National Life Assurance Society of America was in August, 1915,
changed to Union Pacific Life Insurance Company.
Lists of licensed companies, statements of assets and liabilities, receipts and expenditures
of Provincial licensees, and statements of business transacted as furnished by the companies,
together with tabulations of information contained therein, are appended.
I have the honour to be,
Sir,
Your obedient servant,
ERNEST F. GUNTHER,
Superintendent of Insurance. 6 Geo. 5 British Columbia. P 9
APPENDIX.
FIRE INSURANCE.
Annual Statements of Provincial JLieensees for Year ended
December 31st, 1915.
AGRICULTURAL INSURANCE COMPANY.
Head Office—Watertown, N.Y.
W. H. Stevens, President Watertown, N.Y.
J. C. Knowlton, Vice-President.. , . n n
J. Q. Adams, Secretary and Treasurer  n n
Directors.
J. Q. Adams. H. Barnum. J. C. Knowlton.
R. J. Buck. W. C. Stebbins. W. H. Stevens.
W. P. Herring. E. B. Sterling. R. S. Whitman.
D. C. Middleton. S. A. Upham. P. H. Willmott.
D. M. Anderson.
Amount deposited with the Government of British Columbia:    Bond of the National
Surety Company for $25,000 in lieu of deposit.
Authorized capital    $500,000 00
Amount subscribed      500,000 00
Amount paid      500,000 00
Statement fob the Year ended December 31st,  1915.
Assets.
'Cash value of real estate, less encumbrances $     30,250 00
Cash value of mortgages, exclusive of interest  685,382 00
Loans, other than those secured by mortgages  70,577 17
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc  3,288,062 50
Actual cash on hand at Head Office '. . 787 25
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915  262,214 92
Agents' balances  299,327  10
Interest due or accrued and unpaid  44,214 99
Total assets $4,680,815 93 P 10
Report of the Superintendent of Insurance,
1916
Liabilities.
Claims or losses adjusted $ 56,364 23
Claims or losses resisted  16,860 75
Claims or losses in suspense, or supposed, or reported  151,400 12:
Deduct reinsurances due or accrued.
$   224,625 10
80,100 66
$   144,524 44
Total reserve of unearned premiums    1,951,115 65
Conflagration reserve       200,000 00
Reserve for taxes         40,000 00
Amount due or accrued for stationery, printing, advertising, and commission.. . 12,800 0O
Total amount of liabilities $2,348,440 09-
Capital stock paid up    ■ 500,000 00-
Total of liabilities and paid-up capital $2,848,440 09
Excess of assets over such total $1,832,375 84
Receipts.
Net premiums received in cash $1,759,673  72
Cash received for interest       203,540 17
Cash received from rents .
Income from all other sources—
Loss and gain $12,306 78
Bond adjustment      5,621  37
2,500 00-
17,928 15
Total receipts $1,983,642 04
Expenditure.
Cash paid to agents for commission, salaries, and bonus $
for law costs	
fuel and light	
investigation and adjustment of claims
statutory assessment and licence fees. .
travelling expenses	
rent and taxes	
salaries, directors' and auditors' fees. ..
printing, stationery, and advertising.. .
postage, telegrams, and express	
other expenses	
Total expenses of management.
$ 379,193
71
494
96
749
•06
34,157
37
12,951
61
62,974
65
70,584
40
115,173
21
20,874
64
10,715
97
55,813
67
$ 763,683
25
Net amount paid for losses occurring prior to 1915       131,653 96
Net amount paid for losses occurring during 1915           750,027 00
Cash paid for dividends '       100,000 00
Expenditure other than the foregoing—
Loss and gain $4,601 61
Bond adjustment    1,377 73
 5,979 34
Total expenditure $1,751,343 55 6 Geo. 5 British Columbia. P 11
Returns for British Columbia.
Bond of guarantee company in lieu of deposit $     25,000 00
Assets in British Columbia  ....
Liabilities . .  11,990 00
Premiums written, less return premiums.  14,333 20
Losses incurred, net  3,307 55
Losses paid, net  3,376 12
Net amount at risk  1,492,000 00
ALLIANCE INSURANCE COMPANY OF PHILADELPHIA.
Head Office—Philadelphia, Pa.
Officers.
Eugene L. Ellison, President Philadelphia, Pa.
Benjamin Rush, First Vice-President  n n
John O. Piatt, Second Vice-President      n ii
T. Houard Wright, Secretary and Treasurer  u n
Sheldon Catlin, Assistant Secretary  u n
Directors.
William D. Winsor. Bayard Henry. Jno. Gribbel.
Charles Piatt, Jr. Eugene L. Ellison. C. Hartman Kuhn.
Henry W. Biddle. J. Levering Jones. Arthur E. Newbold.
Amount deposited with the Government of British Columbia :    Bond of the National
Surety Company for $25,000 in lieu of deposit.
Authorized capital           $750,000 00
Amount subscribed      750,000 00
Amount paid      750,000 00
Statement for the Year ended December 31st, 1915.
Assets.
Cash value of bonds and stocks $2,325,934 50
Cash in Company's office         939 02
Deposits in trust companies  171,525 59
Agents' balances representing business written subsequent to October 1st, 1915 136,412 82
Agents' balances rep resenting business written prior to October 1st,  1915 (not
extended), $404.41.
Bills receivable for marine and inland risks  869 66
Due from other companies for reinsurance on losses already paid    379 90
Interest due or accrued on bonds  26,993 31
$2,663,054 80
Deduct market value of special deposits in excess of corresponding liabilities       17,197 00
Total assets $2,645,857 80 P 12 Report of the Superintendent of Insurance, 1916
Liabilities.
Claims for losses adjusted and unpaid $ 5,572 00
Claims for losses resisted  6,645 00
Claims for losses in suspense, or supposed, or reported—
Fire , $   62,575 00
Marine      169,400 00
  231,975 00
$ 244,192 00
Deduct reinsurance due or accrued  16,570 00
$227,622 00
Reserve of unearned premiums for all outstanding fire risks  613,552 05
Reserve of unearned premiums upon all unexpired marine risks  60,114 56
Amount reclaimable by insured on perpetual fire insurance policies  16,669  13
Reserve for taxes (estimated)  22,300 00
Contingent fund  205,600 06
Total amount of liabilities $1,145,857 80
Capital actually paid up in cash  750,000 00
Total of liabilities and paid-up capital ,  .$1,895,857  80
Excess of assets over such total $ 750,000 00
Income.
Premiums (less reinsurance and return premiums)—
Fire   $625,373 10
Marine ,    417,127 40
 $1,042,500 50
Deposit premiums written on perpetual risks  1,155 00
Gross interest on bonds and dividends on stocks, less $1,744.99 accrued interest
on bonds acquired during 1915  97,045 84
Gross interest on deposits in trust companies and banks  2,260 33
Branch office bank balances  52 49
Deferred settlements  3 25
Perpetual Department fees  14 00
Agents' balances previously charged off  116 69
Increase by adjustment in book value of bonds  4,313 65
Total income $1,147,461 75
Disburseme nts.
Net amount paid during the year for losses, fire $ 328,259 43
Net amount paid during the year for losses, marine  188,946 47
Expenses of adjustment and settlement of losses  10,099 54
Commissions or brokerage  209,299 18
Allowances to agencies for miscellaneous agency expenses    19,670 78
Salaries ($13,274.68) and expenses ($7,382.94) of special and general agents . . . 20,657 62
Salaries, fees, and all other charges of officers, directors, trustees, and Home Office
employees  23,714 35
Rents ,  3,592 56
Advertising, $1,761.04 ; printing and stationery, $7,410.20  9,171  24
Postage, telegrams, telephone, and express  3,219  60
Legal expenses   1,640 94
Furniture and fixtures  74 97
Carriedforward $ 818,346 68 6 Geo. 5
British Columbia.
P 13
Disbursements—Concluded.
Brought forward
Maps, including corrections	
Underwriters' Boards and Tariff Associations	
Fire Department, Fire Patrol, and Salvage Corps assessments, fees,  taxes, and
expenses	
Inspections and surveys	
State taxes on premiums     	
Insurance Department licences and fees ,	
All other licences, fees, and taxes	
Registration of stock	
Subscriptions	
Deposit premiums returned	
Paid stockholders for interest or dividends	
Agents' balances charged off. . . . ,	
Total disbursements
Returns for British Columbia.
Bond of guarantee company in lieu of deposit $
Assets (agents' balances)   	
Liabilities       	
Premiums written, less return premiums	
Losses incurred, net	
Losses paid, net	
Net amount at risk	
$
818,346 65
1,123 4fi
9,450 04
4,251 90
1,222 95
15,344 21
5,567 88
8,892 23
50 OO
50 39-
20 00
60,000 00
1,052 24
$
925,371 98-
$
25,000 0O
2,549 46
9,429 84
21,918 59
7,903 76
8,602 7(>
871,700 00-
ARIZONA FIRE INSURANCE COMPANY.
Head Office—Phoenix, Arizona.
Officers.
E. B. O'Neill, President Phoenix, Ariz.
E. M. Davis, Vice-President and General Manager	
Epes Randolph, Vice-President	
J. G. Spangler, Vice-President	
A. G. Holm, Secretary	
Geo. H. Taylor, Treasurer	
David Babbitt.
H. W. Asbury.
John J. Kohlberg.
John R. Hampton.
A. G. Holm.
Directors.
Geo. A. Mintz.
Louis Melczer.
T. G. Norris.
E. B. O'Neill.
E. M. Davis.
F. T. LaPrade.
Epes Randolph.
John G. Spangler.
E. A. Sawyer.
T. A. Pascoe.
Amount deposited with the Government of British Columbia:
£26,000 (par).
City of Calgary bonds,
Authorized capital . .'    $200,000 00
Amount subscribed ,      200,000 00
Amount paid      200,000 00 P 14 Report of the Superintendent of Insurance, 1916
Statement for the Year ended December 31st, 1915.
Assets.
Cash value of real estate, less encumbrances    $        9,305 33
Cash value of mortgages, exclusive of interest       231,408  40
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc       128,277 40
Actual cash on hand at Head Office  15,278 33
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915        53,759 94
Agents' balances representing business written subsequent to October 1st, 1915        55,448 81
Agents' balances representing business written prior to October  1st, 1915 (not
extended), $8,748.97	
Interest due or accrued and unpaid  10,430  60
Deposit Philadelphia Underwriters' Association (not extended), $100	
Total assets $ 503,908 81
Liabilities.
Claims or losses adjusted     $ 28,152 09
Claims or losses in suspense  35,895 60
$     64,047 69
Deduct reinsurances due or accrued         12,283 59
Net amount of losses or claims unpaid $     51,764 10
Total reserve of unearned premiums for all outstanding risks       219,030 37
Reserve for taxes ,  2,000 00
Total amount of liabilities $   272,794 47
Capital stock paid up       200,000 00
Total of liabilities and. paid-up capital $   472,794 47
Excess of assets over such total $ 31,114 34
Receipts.
Net premiums received in cash $ 303,827 00
Cash received for interest  25,574 78
Cash received from rents  1,120 75
Cash from all other sources (surplus paid in)  5,060 00
Total cash receipts $ 335,582 53
Expenditure.
Cash paid to agents for commission, salaries, and bonus $ 77,191  65
for law costs  115 63
ii investigation and adjustment of claims      4,224 63
ii interest, discount, and exchange  36 57
ii statutory assessment and licence fees including war tax  5,538 75
ii travelling expenses      8,375 11
ii rent and taxes  3,534 90
ii salaries, directors' and auditors' fees  29,625 54
ii printing, stationery, and advertising  6,297 53
ii postage, telegrams, and express  2,298 87
ii other expenses  9,120 41
Total expenses of management $   146,359 59 •6 Geo. 5                                       British Columbia. P 15
Expenditure—Concluded.
Brought forward $ 146,359 59
Net amount paid for losses occurring prior to 1915     21,838 31
Net amount paid for losses occurring during 1915  135,226 02
Total expenditure $ 303,423  92
Returns for British Columbia.
Deposit with Government (City of Calgary bonds) (par) $ 26,000 00
Assets (cash in bank, $793.16 ; agents' balances, $822.32)  1,615 48
Liabilities  1,680 25
Premiums written, less return premiums  3,812  78
Losses incurred, net  619 48
Losses paid, net .-.  619  48
Net amount at risk  99,325 00
BOSTON INSURANCE COMPANY.
Head Office—Boston, Mass.
Officers.
Ransom B. Fuller,  President Boston, Mass.
Wm. R. Hedge, Vice-President        n n
Freeman Nickerson, Secretary....             n n
Directors.
Ransom B. Fuller. Eugene P. Carver. Edw. E. Blodgett.
Wm. H. Lincoln. James W. Dunphy. Donald M. Hill.
Frank B. Dole. Herbert Fuller. Nathaniel J. Rush.
Israel E. Decrow^ Frank B. McQuesten. Ward Williams.
Calvin Austin. Wm. R. Hedge.
Amount deposited with the  Government  of British Columbia :   Bond of the Canadian
Surety Company for $25,000 in lieu of deposit.
Authorized capital       $1,000,000 00
Amount subscribed      1,000,000 00
Amount paid      1,000,000 00
Statement for the Year ended December 3.1st,  1915.
Assets.
Cash value of real estate, less encumbrances '. .. $   513,673 92
Cash value of mortgages, exclusive of interest           365,600 00
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc    4,935,937 00
Actual cash on hand at Head Office         41,091 02
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915      530,502 91
Agents' balances representing business written subsequent to October 1st, 1915     651,476 49
Agents' balances representing business written prior to October 1st, 1915 (not
extended), $53,014.51.
Carried forward. $7,038,281  34 P 16 Report of the Superintendent of Insurance, 1916
Assets—Concluded.
Brought forward $7,038,281 34
Bills receivable less than one year overdue         43,633  13
Interest due or accrued and unpaid         24,763 09
Amount of all other assets   2,323  32
$7,109,000 88
Deduct market value of special deposits in excess of corresponding liabilities 5,412 91
Total assets   $7,103,587 97
Liabilities.
Claims or losses adjusted $     14,967 40
Claims or losses resisted            63,191 68
Claims or losses in suspense, or supposed, or reported    1,017,457 83
$1,095,616 91
Deduct reinsurance due or accrued         314,209 32
Net amount of losses or claims unpaid     $   781,407 59
Total reserve of unearned premiums for fire and marine risks    2,542,637  59
Other reserves        106,000 00
Dividends declared and remaining unpaid       120,000 00
Amount due or accrued for commission  4,000 00
Total amount of liabilities $3,554,045 18
Capital stock paid up ,    1,000,000 00
Total of liabilities and paid-up capital $4,554,045 18
Excess of assets over such total    2,549,542 79
Receipts.
Net premiums received in cash, fire, and marine $4,055,479 55
Cash received for interest _       229,927 58
Cash received from rents         34,106 17
Cash from all other sources         13,221 74
Total cash receipts  $4,332,735 04
Expenditure.
Cash paid to agents for commission, salaries, and bonus $ 817,864 78
for law costs  1,892 75
ii           ii  investigation and adjustment of claims  34,237 42
n           ii interest, discount, and exchange  1,436 73-
ii           ii statutory assessment and licence fees      95,077 27
ii           ii travelling expenses  39,961 28
ii           H rent and taxes  55,399 80
ii           ii salaries, directors' and auditors' fees      274,099 93
ii           ii printing, stationery, and advertising  20,612 51
ii           ii postage, telegrams, and express  15,068 72
ii           ii other expenses  62,071 10-
Total expenses of management $1,417,722 29-
Net amount paid during the year for losses    2,134,643 67
Cash paid for dividends       240,000 00'
Cash paid for other expenditure         28,173 54-
Total expenditure $3,820,539 50 6 Geo. 5 British Columbia. P 17
Returns for British Columbia.
Bond of guarantee company in lieu of deposit $ 25,000 00
Assets (agents' balances)  3,413 02
Liabilities  17,765 60
Premiums written, less return premiums—
Fire      17,037 65
Marine  9,794 07
Losses incurred, net— »
Fire  4,319 58
Marine  5,142 23
Losses paid, net—
Fire  1,632 59
Marine  5,142 23
Net amount at risk—
Fire  769,137 00
Marine  116,685 00
THE BRITISH CROWN ASSURANCE CORPORATION, LIMITED.
Head Office—Glasgow, Scotland.
Officers.
The Right Hon. James Parker Smith, Chairman.
John R. Fleming, C.A., Secretary.
J. Y. Finlay, C.A., Assistant Secretary.
D. W. MacLennan, General Manager.
Directors.
The Right Hon. J. Parker Smith. D. H. MacDonald.
Claud A. Allan. Alexander McKay, CA.
R. K. Bell. .    T. Leslie Usher.
Sir John Cowan, D.L.
Amount deposited with the Government of British Columbia : City of Cranbrook bonds,
$5,000; Municipality of Coquitlam bonds, $10,000; City of Victoria bonds, $10,220; total,
$25,220 (par).
Authorized capital £ 500,000
Amount subscribed       250,000
Amount paid       100,000
Statement for the Year ended December 31st,  1915.
Assets.
Investments—
Government securities, British, Colonial, Foreign £ 24,554 12    1
Municipal debentures       18,778 1110
British and foreign railway securities, bonds, shares, and
stocks '      16,776 17    2
Bonds, stocks, and shares in other incorporated companies     22,192    5    2      £        s.    d.
 82,302    6    3
Office furniture, plans, and equipment       5,607    4    3
Sundry balances, being amount due by other companies and agents, less due to
sundry creditors       7,330 15    0
Cash at bankers and on hand     15,125 14    8
Total assets £110,366    0    2
B P 18 Report of the Superintendent of Insurance, 1916
Liabilities.
£        s. d.
Capital paid up, £2 per share on 50,000 shares 100,000    0 0
Revenue account, balance at credit, subject to liability for
unexpired risk £ 12,128 19    0
Deduct amount written off on conversion of Consuls and
realization of investments        1,762 18 10
 10,366    0 2
• 	
Total liabilities £110,366    0 2
Revenue Account.
£        s. d.
Balance at credit       5,148    9 0
Premiums, less reinsurances : 114,981   14 3
Interests and dividends received       2,333    2 0
Transfer fees              5  10 0
Total income. , £122,468 15 3
£        s. d.
Losses paid and outstanding     64,302 19 9
Commission, including provision in respect of agents' balances and outstanding
premiums     18,578    0 5
Expenses, salaries, stationery, office and travelling expenses, rents, rates and
taxes, advertising, legal expenses, postages, directors'and auditors'fees, etc.    27,458  16 1
Balance, subject to unexpired risk, carried to balance-sheet     12,128 19 0
Total expenditure £122,468 15 3
Returns for British Columbia.
Deposit with Government (municipal bonds) (par) $     25,220 00
Other assets (agents' balances)            1,552 02
Liabilities            8,166 69
Premiums written, less return premiums           9,882 52
Losses incurred, net           8,816 03
Losses paid, net         17,532 92
Net amount at risk    1,001,385 00
THE CENTURY  INSURANCE COMPANY, LIMITED.
Head Office—Edinburgh, Scotland.
Officers.
Sheriff Lorimer, K.C., Chairman Edinburgh, Scotland.
Henry Brown, J.P., General Manager  n n
John R. Little, Secretary  n m
Directors.
Sheriff Lorimer, K.C. Sir William Robertson, J.P.
Sir J. Halliday Croom, M.D.F.R.C.S.Ed. J. B. Sutherland, S.S.C.
A. Peddie-Waddell. William Towers-Clark.
Charles E. Price, M.P. s.
d.
2
6
19
3
6
1
2
0
10
5
18
5
6 Geo. 5 British Columbia. P 19
Amount deposited with the Government of British Columbia: Grand Trunk Pacific
Railway Lake Superior Branch bonds, $3,854.40 ; Corporation of Richmond bonds, $26,000 ;
total, $29,854.40 (par).
Authorized capital   £900,000
Amount subscribed       315,000
Amount paid        35,000
Statement for the Year ended December 31st, 1915.
Assets.
£
Mortgages on property in United Kingdom    186,790
Mortgages on property outside United Kingdom    115,881
Loans on life interests             8,093
Loans on reversions      16,001
Loans on the Company's policies within their surrender value    36,208
Loans on personal security with life policies ,          10,463
Investments, deposit with High Court—
£3,029 North Eastern Railway 4 % Guar. Stock £3,270
£2,422 Great Western Railway 5 % Rent Charge   3,260
£3,082 Caledonian Railway Cons. Pref. No. 1. .    3,210
£3,230 Caledonian Railway 4 % Guar. Stock..    3,310
£62 East Indian Railway " B " Annuities     1,450
£1,730 Indian 3J % Stock     1,640
£4,000 Newfoundland 3J % Stock     3,860
 20,000    0    0
British Government securities     162,471  13    6
Indian and Colonial Government securities. '.       23,786    9    3
Railway debentures and stocks     273,783    5    7
Other debentures and debenture stocks     186,337    1    8
Railway and other shares, preference and ordinary       37,377    4    3
Municipal corporation securities       87,941  18    2
Bank stocks       13,859  10    1
Foreign Government securities       39,808    2    3
Office  properties and furniture, Edinburgh, London, and
branches       31,041  10    6
Ground-rents         2,686    9 10
Reversions         1,707 16    8
Cash in banks, on deposit, and in hand         36,522    6    7 £ s.    d.
 1,290,762    7    0
Interest accrued  14,799    7    9
Agents' balances, less commission  35,375    1     4
Outstanding premiums, less commission -  24,056    9    5
Outstanding interest, dividends, and rents  1,070  15    0
Sundry debtors  2,307  11     3
Total assets £ 1,368,371 11 9
Liabilities.
Shareholders' capital—                                                            ,     .                                        £ s. d.
70,000 shares of £4 10s. each         315,000 0 0
Amount paid up £      35,000    0    0
Life Assurance Funds £893,129    5    7
Fire Assurance Funds     103,342    5    0
Accident and General Funds       40,620 12    9
Employers'Liability Funds  .'       31,024 10    7
Capital Redemption Fund       19,561    0    1
Sickness Funds     161,792 16    4
Profit and Loss Account, credit balance       28,561    0    0
 1,278,031  10    4 P 20                      Report of the Superintendent of Insurance, 1916
Liabilities—Concluded. £          s. d.
Brought forward      1,278,031  10 4
Sundry accounts outstanding  2,505    6 0
Life claims outstanding  6,726    5 0
Fire losses outstanding  9,693 19 0
Unclaimed dividends  29  16 7
Due to other insurance companies  14,539    2 1
Sundry creditors  8,200    9 11
Deposit by're-insuring companies  13,645    2 10
Total liabilities £1,368,37111 9
, Life and Annuity Account.
Amount of Life Assurance Funds at beginning of year—
Ordinary Fund £808,932    4    4
Special Reserve Fund       10,000    0    0 £        s. d.
  818,932    4 4
Premiums  118,415  12 11
Consideration for annuities granted  11,875  14 10
Interest and dividends £ 37,269 15    0
Less income-tax         3,516 19    0
  33,752 16 0
Assignment fees  22    0 0
£ 982,998    8 1
Claims under policies, paid and outstanding—
By death   £ 19,543    8    6
By maturity         7,450 14    9 £        s. d..
  26,994    3 3
Surrenders, including surrenders of bonus  11,005    3 0
Annuities  9,642    4 11
Bonuses in reduction of premiums  31     2 1
Commission  4,740    3 3
Expenses of management  7,456     6 0
Written off, Stock Exchange securities  30,000    0 0
Amount of Life Assurance Funds at end of year -  893,129    5 7
Fire Account.                                     £ 982,998    8 1
Fire Insurance Fund at beginning of year—
Reserve for unexpired risks £  37,007    1    0
Additional reserve      65,000    0    0 £        s. d.
  102,007    1 0
Premiums ..*  85,2C8  18 5
£ 187,215 19 5
£        s. d.
Losses paid and outstanding  42,355 10 11
Contribution to fire brigades ,  1,105    5 9
Commission  15,336 15 8
Expenses of management    17,041    2 4
Transfer to Profit and Loss Account  8,034 19 9
Amount of Fire Insurance Funds at end of year—
Reserve for unexpired risks,  being 45 per cent,  of
premium income for the year £  38,342    5    0
Additional reserve       65,000    0    0
 £ 103,342    5 0
£ 187,215 19 5 :6 Geo. 5 British Columbia. P 21
Accident and General Account.
Amount of Accident and General _Insurance funds at beginning of year—
Reserve for unexpired risks £    6,232    2    6
Total estimated liabilityin respect of outstandingclaims       1,030    3    3
General reserve ,       37,000    0    0
Premiums	
Payments under policies, including medical and legal expenses	
Commission	
Expenses of management	
Written off, Stock Exchange securities	
Transfer to Profit and Loss Account	
Amount of Accident and General Insurance Funds at end of year—
Reserve for unexpired  risks,  being 40 per cent,   of
premium income for the year £    6,982  11    4
Total estimated liabilityin respectof outstanding claims       1,638    1    5
General reserve      32,000    0    0
£
s.
d.
44,262
5
9
17,456
8
8
£  61,718
14
5
£
s.
d.
6,855
17
10
2,665
2
10
3,782
15
10
5,000
0
0
2,794
5
2
40,620-12
Employers' Liability Account. £       61,718  14    5
Amount of Employers' Liability Insurance Funds at beginning of year—
Reserve for unexpired risks £    8,876    1    8
Total estimated liability in respect of  outstanding
claims       10,621   14    9
Additional reserve '.. . .      10,000    0    0
Premiums	
Interest and dividends , £       977    0    3
Less income-tax  92    2    3
 : 884 18    0
£
s.
d.
29,497
16
5
20,249
16
1
Payments under policies, including medical and legal expenses in connection
therewith ,
Commission	
Expenses of management	
Transfer to Profit and Loss Account	
Amount of Employers' Liability Insurance Funds at end of year—
Reserve for un'expired risks, being 45 per cent, of
premium income for the year £     9,112    8    0
£
50,632 10
6
.
£   s.
9,504 12
3,057 12
4,586 12
2,459 2
d.
9
0
9
5
9,
/
Total estimated liability in respect of outstanding claims     11,912
Additional reserve         10,000    0    0
31,024 10
50,632 10   '6
Capital Redemption Account.
£        s.    d.
Fund at beginning of year  16,096    0    7
Premiums  3,544    9    7
Interest and dividends   £       710  18 10
Less income-tax  67    2    1
 1  643 16    9
20,284    6 11 £   s.
d.
652 10
4
70 16
6
19,561 0
1
P 22 Rerort of the Superintendent of Insueance, 1916
Surrenders	
Commission and expenses of management	
Fund at end of year	
Sickness Account. £      20,284    6 11
Amount of Sickness Insurance Funds at beginning of year—
Total  estimated liability in respect of  outstanding
claims £    1,114    4    2
Accumulated funds     162,245 19    2
Premiums 	
Interest and dividends £    6,313    6    3
Less income-tax  595 14    3
£
s.
d.
163,360
3
4
27,427
19
6-
5,717 12    0
Claims and medical fees	
Surrenders	
Commission     ,	
Expenses of management	
Written off, Stock Exchange securities	
Transfer to Profit and Loss Account	
Amount of Sickness Insurance Funds at end of year—
Total  estimated  liability  in respect of  outstanding
claims £        771    5 10
Accumulated fund     161,021  10    6
£ 196,505 14
10
£   s.
d.
11,590 0
2
225 4
10
2,056 12
0
8,226 18
6
10,000 0
0
2,614 3
0
161,792 16    4
£     196,505 14 10
Profit and Loss Account.
To balance from 1914 £  24,864    3    0
Less dividend         7,000    0    0 £        s. d.
  17,864    3 0
Profit realized—
Fire account  8,034 19 9
Accident and general Account  2,794    5 2
Employers' Liability Account  2,459    2 5
Sickness Account  2,614    3 0
Transfer fees  9  15 0
Interest and dividends not carried to other Accounts £  12,953  16    1
Less income-tax  1,224  11   '8
■  11,729    4 5
Income-tax	
Expenses not charged to other accounts	
Agency balances written off	
Foreign treaties, balances due written off as irrecoverable.
Office properties and furnishings written off.. .	
Written off, Stock Exchange securities	
Interim dividend ,	
Balance carried forward	
£  45,505 12
9
£   s.
d.
1,811 3
8
1,500 0
0
67 10
0
2,690 19
1
1,500 0
0
5,000 0
0
4,375 0
0
28,561 0
0
45,505 12    9 6 Geo. 5 British Columbia. P 23
Returns for British Colombia.
Deposit with Government (par) $ 29,854 40
Other assets (agents' balances, cash in banks, etc.)  7,146 93
Liabilities  4,684 76
Premiums written, less return premiums  9,671  76
Losses incurred, net ,  6 61
Losses paid, net  6 61
Net amount at risk  492,329 00
CITIZENS' INSURANCE COMPANY OF MISSOURI.
Head Office—St. Louis, Mo.
Officers.
Chas. E. Chase, President Hartford, Conn.
R. M. Bissell, Vice-President  n n
J. H. Carr, Vice-President  u n
Whitney Palache, Vice-President    n n
P. O. Crocker, Secretary St. Louis, Mo.
Thomas H. Scotland, Assistant Secretary , Hartford, Conn.
Directors.
Chas. E. Chase. A. G. Dugan. J. E. Denner.
R. M. Bissell. J. H. Carr. F. C. Case.
Thos. Egleston. Geo. Gordon. Sol. E. Waggoner.
Amount deposited with the  Government of  British  Columbia :   Bond of the National
Surety Company for $25,000 in lieu of deposit.
Authorized capital    $200,000 00
Amount subscribed      200,000 00
Amount paid      200,000 00
Statement for the Year ended December 31st, 1915.
Assets.
Cash value of mortgages, exclusive of interest .....$     61,700 00
Cash value (excluding  interest  and dividends) of stock, shares, bonds, debentures, etc      365,100 00
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915       217,573 86
Agents' balances representing business written subsequent to October 1st, 1915       32,986 43
Agents' balances representing business written prior to October 1st, 1915 (not
extended), $7,418.08.
Interest due or accrued and unpaid  7,065 22
Total assets $   684,425 51 P 24 Report of the Superintendent of Insurance, 1916
Liabilities.
Claims or losses adjusted $ 24,242 46
Claims or losses resisted  15,944 91
Claims or losses in suspense, or supposed, or reported  97,107 03
$   137,294 40
Deduct reinsurance due or accrued  111,508 51
Net amount of claims or losses unpaid $ 25,785 89
Total reserve of unearned premiums for all outstanding risks  165,513 28
Reserve for taxes  2,500 00
Reinsurance treaty funds  43,068 84
Total amount of liabilities $   236,868 01
Capital stock paid up       200,000 00
Total of liabilities and paid-up capital    $   436,868 01
Excess of assets over such total $   247,557 50
Receipts.
Net premiums received in cash ,   $   309,706 57
Cash received for interest         28,061  61
Increase in liabilities during the year on account of reinsurance treaties         43,068 84
Expenditure.
Cash paid to  agents for commission, salaries, and bonus	
for investigation and adjustment of claims	
ii statutory assessment and licence fees	
ii  rent and taxes	
ii salaries, directors' and auditors' fees	
ii  printing, stationery, and advertising	
ii postage, telegrams, and express	
n other expenses	
$
380,837
02
$
102,857
96
646
07
63
45
1,876
93
130
00
28
26
15
39
77
14
Total expenses of management     $ 105,695 20
Net amount paid during the year for losses  86,641  33
Cash paid for dividends  119,000 00
Cash paid for other expenditure  287 44
Total expenditure    $   311,623 97
Returns for British Columbia.
Bond of guarantee company in lieu of deposit    	
Assets (agents' balances)	
Liabilities          . .   	
Premiums written, less return premiums	
Losses incurred, net	
Losses paid, net	
Net amount at risk	
25,000
00
2,227
82
250
00
4,185
00
3,588
88
3,830
38
Nil. ■6 Geo. 5 British Columbia. P 25
COMMERCIAL UNION FIRE INSURANCE COMPANY OF NEW YORK.
Head Office, New York, N.Y.
Officers.
A. H. Wray, President New York, N.Y.
C. J. Holman, Vice-President and Secretary  u u
C. E. Porter, Vice-President  „ ,,
W. M. Ballard, Assistant Secretary  n n
Directors.
Robert A. Bait. Walter P. Bliss. F. H. Banks.
John Claflin. A. H. Wray. W. M. Ballard.
R. J. Cross. C. J. Holman. H. C. Eddy.
F. B. Campbell. C. E. Porter. C. Russell.
J. G. Hilliard.
Amount deposited with the Government of  British Columbia :    Bond of the Ocean
Accident & Guarantee Corporation, Limited, for $25,000 in lieu of deposit.
Authorized capital   $200,000 00
Amount subscribed      200,000 00
Amount paid      200,000 00
Statement for the Year ended December 31st, 1915.
Assets.
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc , $   681,490 00
Actual cash on hand at Head Office ,  25 55
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915       459,403 56
Agents' balances representing business written subsequent to October 31st, 1915      138,714 67
Agents' balances representing business written prior to October 1st, 1915 (not
extended), $8,072.42.
Interest due or accrued and unpaid  8,172 00
Due from other companies for reinsurance on losses already paid  6,092 01
$1,293,897 79
Deduct market value of special deposits in excess of corresponding liabilities        19,834 44
Total assets $1,274,063 35
Liabilities.
Claims or losses adjusted    $     17,130 00
Claims or losses resisted  50 00
Claims' or losses in suspense, or supposed, or reported             43,343 00
$     60,523 00
Deduct reinsurance due or accrued         17,003 00
Net amount of losses or claims unpaid    $ 43,520 00
Total reserve of unearned premiums for all outstanding risks  599,932 59
Reserve for taxes ,  12,592 80
Amount due or accrued for salaries and commission  3,537 78
Total amount of liabilities $   659,583  17 P 26
Report of the Superintendent of Insurance,
1916-
Liabilities—Concluded.
Brought forward	
Capital stock paid up	
Total of liabilities and paid-up capital	
Excess of assets over such total	
Receipts.
Net premiums received in cash 	
Cash received for interest	
Cash received from all other sources	
659,583 17
200,000 00
859,583 17
414,480 18.
Total cash receipts.
.$   634,676 72
45,119 59
237 03
.$   680,033 34
Expenditure.
Cash paid to agents for commission, salaries, and bonus
for law costs	
ii investigation and adjustment of claims. .
ii interest, discount, and exchange	
statutory assessment and licence fees....
travelling expenses	
rent and taxes	
ii  salaries, directors' and auditors' fees	
printing, stationery, and advertising	
postage, telegrams, and express	
other expenses	
Total expenses of management.
Net amount paid during year for losses . .
Cash paid for dividends	
Cash paid for other expenditure	
162,430 95
99 30
11,418 03
303 23
24,533 78
3,804 21
3,696 38
37,902 88
6,108 74
3,454 99
9,287 75
263,040 24
291,978 65
20,000 00
12,621 23-
Total expenditure $   587,640 12;
Returns for British Columbia.
Bond of guarantee company in lieu of deposit.
Assets....   	
Liabilities	
Premiums written, less return premiums.
Losses incurred, net	
Losses paid, net	
Net amount at risk	
.$     25,000 00
7,284 44
11,254 73
1,199 23
1,206 44
.     939,546 00 6 Geo. 5 British Columbia. P 27
DETROIT FIRE & MARINE INSURANCE COMPANY.
Head Office—Detroit, Mich.
Officers.
E. H. Butler, President  Detroit, Mich.
C. L Andrews, Vice-President  .       h n
A. H. McDonell, Secretary        m n
Directors.
Edward H. Butler. Albert L. Stephens. Chas. E. Hiscock.
Edward C. VanHusan. C. L Andrews. Elwood Croul.
Chas. A. Ducharme. Chas. A. Dean. Wm. T. Barbour.
Junius E. Beal. A. H. McDonell. Fred E. Butler.
H. L. Jenness. W. V. Moore. J. P. Hemmeter.
D. E. Heineman. S. T. Miller. Joseph G. Standart.
Geo. N. Brady. Alex. I. Lewis.
Amount deposited with the Government of British Columbia :    Bond of the National
Surety Company for $25,000 in lieu of deposit.
Authorized capital $500,000 00
Amount subscribed    500,000 00
Amount paid    500,000 00
Statement for the Year ended December 31st,  1915.
Assets.
Cash value of real estate, less encumbrances , $ 174,913  25
Cash value of mortgages, exclusive of interest  840,532 43
Loans, other than those secured by mortgages  68,000 00
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc      1,040,849 71
Actual cash on hand at Head Office  2,380 83
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915  105,898 70
Agents' balances representing business written subsequent to October 1st, 1915 121,352  60
Agents' balances representing business written prior to October 1st,  1915 (not
extended), $6,648.13.
Interest due or accrued and unpaid  23,732 22:
Total assets $2,377,659 74
Liabilities.
Claims or losses adjusted $ 750 00
Claims or losses resisted  9,493 21
Claims or losses in suspense, or supposed, or reported ,        55,980 45-
$   $66,223 66-
Deduct reinsurances due or accrued ,         15,106 02
Net amount of losses or claims unpaid $ 51,117 64
Total reserve of unearned premiums for all outstanding risks  692,692 96
Reserve for taxes (estimated)  15,000 00
Amount due or accrued for stationery, printing, advertising, and commission. . 3,450 00
Total amount of liabilities $   762,260 60 P 28
Report of the Superintendent of Insurance,
1916
Liabilities—Concluded.
Brought forward $   762,260
Capital stock paid up       500,000
60
00
Total of liabilities and paid-up capital $1,262,260 60
Excess of assets over such total  .$1,115,399 14
Receipts.
Net premiums received in cash $   724,350
Cash received for interest ,         97,651
Cash from all other sources	
Total cash receipts	
28
12
35
Expenditure.
Cash paid to  agents for commission, salaries, and bonus $   158,551
for law costs ,
ii fuel and light	
ii investigation and adjustment of claims
ii statutory assessment and licence fees. .
ii travelling expenses	
ii rent and taxes	
ii salaries, directors' and auditors' fees . .
ii printing, stationery, and advertising . .
ii postage, telegrams, and express	
ii other expenses	
$
822,049 75
$
158,551 59
1,050 87
760 88
6,958 67
27,759 37
9,398 78
4,464 02
71,693 04
8,970 31
4,240 16
19,794 99
Total expenses of management $   313,642
Net amount paid during the year for losses—
Fire $ 343,293 47
Marine and inland marine         4,236 89
Cash paid for dividends.
347,530
60,000
68
36
00
Total expenditure $ 721,173
Returns for British ColuoMbia.
Bond of guarantee company in lieu of deposit % 25,000
Assets (agents' balances)  825
Liabilities  4,065
  8,773
  406
  699
  536,561
Premiums written, less return premiums.
Losses incurred, net	
Losses paid, net	
Net amount at risk	
04
00
36
49
91
09
16
00 6 Geo. 5 British Columbia. P 29
FIRE ASSOCIATION OF PHILADELPHIA.
Head Office—Philadelphia, Pa.
Officers.
E. C. Irvin, President Philadelphia, Pa.
T. H. Conderman, First Vice-President  n n
John B. Morton, Second "V ice-President       n u
M. G. Garrigues, Secretary : n ti
Directors.
Elihu C. Irvin. Charles B. Adamson. George W. Nevil.
Theo. H. Conderman. Horace T. Potts. William A. Law.
James Butterworth. Richard Campion. Edward J. Moore.
John McKinney. Dimner Beeber. John Gribbel.
Robert Whitaker.
Amount deposited with the Government of British Columbia:   Bond of the National
Surety Company for $25,000 in lieu of deposit.
Authorized capital    $750,000 00
Amount subscribed      750,000 00
Amount paid      750,000 00
Statement foe the Year ended December 31st, 1915.
Assets.
Cash value of real estate $   718,550 00
Mortgage loans on real estate  2,017,841 66
Loans secured by pledge of bonds, stock, etc  85,826 00
Cash value of bonds and stocks  5,109,492 25
Cash in Company's office  7,058 75
Deposits in trust companies    602,179 38
Agents' balances representing business written subsequent to October 1st, 1915 738,029 82
Agents' balances representing business written prior to October 1st, 1915 (not
extended), $7,848.01.
Interest due or accrued  128,553 64
Rents due and accrued  2,341 25
Due for reinsurance on losses already paid  13,726 06
$9,423,598 81
Deduct market value of special deposits in excess of corresponding liabilities       51,471 99
Total assets $9,372,126 82
Liabilities.
Claims for losses adjusted and unpaid , $ 84,921  82
Claims for losses resisted    ,  96,245 45
Claims for losses in suspense  370,947 65
$   552,114 92
Deduct reinsurance due or accrued          112,869 28
Net amount of unpaid losses and claims    $   439,245 64
Total reserve of unearned premiums for all outstanding risks    4,194,272 58
Amount reclaimable by the insured on perpetual fire insurance policies    1,493,195 23
Salaries, rents, expenses, bills, accounts, fees, etc., due or accrued       6,369 19
Reserve for taxes (estimated)         50,000 00
Contingent commissions or other charges due or accrued  7,019 24
Total amount of liabilities $6,190,101 88 P 30
Report of the Superintendent of Insurance,
1916
Liabilities—Concluded.
Brought forward
Capital stock paid up.
$6,190,101 88
.      750,000 00
Total of liabilities and paid-up capital   $6,940,101 88
Excess of assets over such total $2,432,024 94
Income.
Premiums (less reinsurance and return premiums).	
Deposit premiums written on perpetual risks	
Gross interest on mortgage loans (less $1,948.87, accrued interest on mortgages
acquired during 1915)	
Gross interest on collateral loans     	
Gross interest on bonds and dividends on stocks (less §1,625.71, accrued interest
on bonds acquired during 1915)	
Gross interest on deposits in trust companies and in banks	
Gross interest from all other sources	
Gross rents from Company's property, including $15,000 for Company's occupancy of its own buildings	
Earned deposits	
Agents' balances previously charged off	
Gross profit on sale or maturity of bonds	
Gross profit on sale or maturity of stocks	
$4,
409,964 60
25,763 90
108,566 25
5,695 96
238,804 19
5,409 28
48 47
40,314
4,076
1,404
7,511
273
07
23
40
08
14
Total income    $4,847,831 57
Disbursements.
Net amount paid during the year for losses    f
'Expenses of adjustment and settlement of losses	
Commissions or brokerage	
Allowances to agencies for miscellaneous agency expenses	
Salaries ($172,435.77) and expenses ($114,632.40) of special and general agents
Salaries, fees, and all other charges of officers, directors, trustees, and Home
Office employees    	
Rents, including $15,000 for Company's occupancy of its own buildings	
Advertising, $5,086.02 ; printing and stationery, $28,084.20	
Postage, telegrams, telephone, and express   	
Legal expenses , ,
Furniture and fixtures	
Maps, including corrections	
Underwriters' Boards and Tariff Associations	
Fire Department, Fire Patrol, and Salvage Corps assessments, fees, taxes, and
expenses	
Inspections and surveys	
Repairs and expenses (other than taxes) on real estate	
Taxes on real estate	
State taxes on premiums ,	
Insurance Department licences and fees	
All other licences, fees, and taxes	
Deposit premiums returned	
Paid stockholders for interest on dividends	
Agents' balances charged off «	
Gross loss on sale or maturity of real estate	
'Gross loss on sale of maturity of bonds	
2,341,114
47,943
873,585
12,728
287,068
202,648
29,343
33,170
28,167
3,089
1,675
12,919
53,885
47
54
32
53
17
73
79
22
30
56
25
81
12
14,605 70
30,372 75
8,334 50
9,285 33
102,701 00
25,094 98
67,514 10
49,603 09
300,000 00
5,820 37
604 67
884 55
Total disbursements $4,542,160 85 6 Geo. 5 British Columbia. P 31
Returns for British Columbia.
Bond of guarantee company in lieu of deposit $ 25,000 00
Assets (agents' balances)  2,095 32
Liabilities ,  7,074 78
Premiums written, less return premiums  10,665 77
Losses incurred, net  2,129  14
Losses paid, net  2,137 89
Net amount at risk  732,891  00
FRANKLIN FIRE INSURANCE COMPANY OF PHILADELPHIA.
Head Office—Philadelphia, Pa.
Officers.
Elbridge G. Snow, President.
Wilfred Kurth, Secretary.
Directors.
John Story Jenks. Edgar P. Luce. Clarence A. Ludlum.
Frank E. Parkhurst. Charles Piatt, Jr. William Ives Washburn.
Joseph A. Steel. Elbridge G. Snow. Charles L. Tyner.
Charles K. Yungman. Frederick C. Buswell.
Amount deposited with the Government of   British Columbia:    Bond of the United
States Fidelity & Guaranty Company for $25,000 in lieu of deposit.
Authorized capital    $1,000,000 00
Amount subscribed       500,000 00
Amount paid '         500,000 00
Statement for the Year ended December 31st,  1915.
Assets.
•Cash value of real estate $   129,500 00
Cash value of mortgages, exclusive of interest         22,985 00
-Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc    1,538,840 00
Actual cash on hand at Head Office  14 50
Cash on deposit to the Company's credit and not drawn against on  December
31st, 1915        82,651 61
Agents' balances representing business written subsequent to October 1st, 1915     253,900 42
Agents' balances representing business written prior to October 1st, 1915 (not
extended), $15,122.18.
Interest due or accrued and unpaid         22,959 72
Total assets $2,050,851 25 P 32 Report of the Superintendent of Insurance, 1916-
Liabilities.
Claims or losses adjusted $ 708 53'
Claims or losses resisted  15,532 72
Claims or losses in suspense, or supposed, or reported  150,627 47
$   166,868 72
Deduct reinsurance due or accrued       141,604 50-
Net amount of losses or claims unpaid $ 25,264 22
Total reserve of unearned premiums for all outstanding risks  729,251 72
Amount due or accrued for stationery, printing, and advertising  2,000 00
Funds held under reinsurance treaties  279,258 60
Taxes  5,000 00
Total amount of liabilities $1,040,774 54
Capital stock paid up       500,000 00
Total of liabilities and paid-up capital $1,540,774 54
Excess of assets over such total $ 510,076 71
Receipts.
Net premiums received in cash   - $720,163 24
Cash received for interest  94,545  76
Cash received from rents  7,143 43
Perpetual reinsurance deposit account  90 00
Transfer fees on perpetual policies  543 00
Increase in liabilities during the year on account of reinsurance treaties  279,258 60-
Profit on sale or maturity of ledger assets  7,471 43
-$331,111 02
Expenditure.
Cash paid to agents for commission, salaries, and bonus    — $468,808 99
for law costs •  350 49
,i fuel and light  415 00
ii investigation and adjustment of claims  12,767 15
ii statutory assessment and licence fees  62,562 33-
ii  travelling expenses  13,964 59
ii rent and taxes.  9,175 43
ii  salaries, directors' and auditors' fees  39,277  33<
ii  printing, stationery, and advertising  7,145 04
ii postage, telegrams, and express      6,429 68
ii other expenses  106,941 90
Total expenses of management    - $209,780 05
Net amount paid during the year for losses       481,773 60
Cash paid for dividends           530,015 00-
Total expenditure   $ 802,008 55
Returns for British Columbia.
Bond of guarantee company in lieu of deposit $ 25,000 00*-
Assets  ....
Liabilities  6,060 06
Premiums written, less return premiums  9,21 6 93
Losses incurred, net  3,182 28
Losses paid, net  1,189 50
Net amount at risk      514,446 12. 6 Geo. 5 British Columbia. P 33
GERMAN ALLIANCE INSURANCE COMPANY.
Head Office—New York, N.Y.
Officers.
William N. Kremer, President New York, N.Y.
Charles G Smith, Vice-President  n n
Edwin M. Cragin, Secretary  n n
Directors.
Joseph H. Choate. Wm. N. Kremer. Charles G. Smith.
Ralph L. Cutter. Woodbury Langdon. Howard C. Smith.
Otto L. Dommerich. Lowell Lincoln. John W. Sterling.
Herman C. Fleitmann. Samuel McRoberts. Julius A. Stursburg.
Eustis L. Hopkins. George W. Perkins. William Wood.
Amount deposited with the Government of British Columbia :    Bond of the National
Surety Company for $25,000 in lieu of deposit.
Authorized capital $400,000 00
Amount subscribed    400,000 00
Amount paid    400,000 00
Statement for the Year ended December 31st,  1915.
Assets.
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc $1,777,868 00
Actual cash on hand at Head Office  300 00
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915 <  42,461 07
Agents'balances representing business written subsequent to October 1st, 1915 109,961 48
Interest due or accrued and unpaid  11,117 00
Total assets $1,941,707 55
Liabilities.
Claims or losses adjusted    , $     68,391  49
Claims or losses resisted         35,030 00
Claims or losses in suspense, or supposed, or reported       238,923 00
$   342,344 49
Deduct reinsurance due or accrued       232,510 00
Net amount of losses or claims unpaid $   109,834 49
Total reserve of unearned premiums for all outstanding risks          505,421  30
Total reserves         10,000 00
Total amount of liabilities $   625,255 79
Capital stock paid up       400,000 00
Total liabilities and paid-up capital $1,025,255 79
Excess of assets over such total $   916,451 76
c P 34
Report of the. Superintendent of Insurance,
1916
Receipts.
Net premiums received in cash	
Cash received for interest	
Cash received for debentures, mortgages, etc. (not extended), $207,958.45.
611,585 69
81,232  18
Total cash receipts
Expenditure.
Cash paid to  agents for commission, salaries, and bonus.
for law costs	
ii  investigation and adjustment of claims. . .
ii  statutory assessment and licence fees	
ii  rent and ta.xes	
ii  salaries, directors' and auditors' fees	
ii postage, telegrams, and express	
Total expenses of management	
Net amount paid for losses occurring prior to 1915	
Net amount paid for losses occurring during 1915	
Cash paid for dividends    	
Cash paid for debentures, mortgages, etc. (not extended), $349,621.97.
Cash paid for other expenditure	
)2,817 87
155,710 30
25 00
7,228 47
2,176 02
30,739 69
3,490 00
2 20
199,371 68
319,319 79
60,000 00
100 00
Total expenditure  . $   578,791  47
Returns for British Columbia.
Bond of guarantee company in lieu of deposit.
Assets (agents' balances)     ...
Liabilities	
Premiums written, less return premiums.
Losses incurred, net	
Losses paid, net	
Net amount at risk    	
25,000 00
152 33
1,972 57
3,548 21
1,819 06
1,249 06
164,576 00
INDIANA LUMBERMEN'S MUTUAL INSURANCE COMPANY.
Head Office—Indianapolis, Ind.
This Company has ceased to transact business in the Province of British Columbia. 6 Geo. 5 British Columbia. P 35
MECHANICS & TRADERS INSURANCE COMPANY.
Head Office—New Orleans, La.
Officers.
H. A. Smith, President Hartford,   Conn.
R. L. Emery, Vice-President and Treasurer New Orleans, La.
S. T. Maxwell, Vice-President Hartford,   Conn.
T. B. Norton, Secretary New Orleans, La.
G. H. Tryon,   Secretary     Hartford,   Conn.
Directors.
J. P. Baldwin. John Grote. Hart D. Newman.
W. A. Kernaghan. B. C. Casanas. W. B. Thompson.
Philip Werlein. Geo. K. Pratt. H. A. Smith.
R. L. Emery. James Nichols. S. T. Maxwell.
Amount deposited with the Government of British Columbia : Bond of the United States
Fidelity & Guaranty Company for $25,000 in lieu of deposit.
Authorized capital    $300,000 00
Amount subscribed       300,000 00
Amount paid      300,000 00
Statement for the Year ended December 31st, 1915.
Assets.
Cash value of real estate, less encumbrances $        23,500 00
Cash value (excluding interest and dividends) of stock, shares, bonds,  debentures, etc    1,247,659 55
Actual cash on hand at Head Office  45 00
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915 .      .*'...,          28,667 63
Agents' balances representing business written subsequent ,o October 1st, 1915      140,146  79
Agents' balances representing business written prior to October  1st, 1915 (not
extended), $1,935.67.
Interest due or accrued and unpaid .•-•-•        23,198  33
Due from other companies for reinsurance on losses abeady paid  1,708   11
Total assets $1,464,925 41
Liabilities.
Claims or losses adjusted $     37,937 66
Claims or losses resisted  14,541 32
Claims or losses in suspense, or supposed, or reported         58,007 35
$   110,486 33
Deduct reinsurance due or accrued         25,898 01
Net amount of losses or claims unpaid , $     84,588 32
Total reserve of unearned premiums for all outstanding risks       533,184 84
Other reserves....' ■         20,000 00
Total amount of liabilities $   637,773 16
Capital stock paid up       300,000 00
Total of liabilities and paid-up capital $   937,773 16
Excess of assets over such total $   527,152  25 P 36
Report of the Superintendent of Insurance,
1916
Income.
Net premiums received in cash	
Cash received for interest	
Cash received from rents	
Borrowed money (repaid)	
Agents' balances previously charged off
535,108
62,223
3,600
40,000
90
Total cash receipts.
Expenditure.
Cash paid to agents for commission, salaries, and bonus .
for law costs	
fuel and light, etc	
investigation and adjustment of claims. . .
statutory assessment and licence fees	
travelling expenses	
rent and taxes	
salaries, directors' and auditors' fees	
printing, stationery, and advertising	
postage, telegrams, and express	
other expenses	
Total expenses of management	
Amount paid for losses occurring prior to 1915
Amount paid for losses occurring during 1915 .
Cash paid for repayment of loans	
22
04
00
00
92
$
641,022 18
$
96,705 82
143 00
587 22
7,009 26
15,770 23
10,242 54
29,324 64
62,463 35
6,170 87
4,857 13
13,808 61
$
247,082 67
61,889 20
335,385 48
40,000 00
Total expenditure $ 684,357 35
Returns for British Columbia.
Bond of guarantee company in lieu of deposit
Assets (agents' balances)	
Liabilities	
Premiums written, less return premiums	
Losses incurred, net   	
Losses paid, net	
Net amount at risk	
25,000 00
615 90
2,837 56
4,710 10
180 15
17 15
323,047 00
MICHIGAN COMMERCIAL INSURANCE COMPANY.
Head Office—Lansing, Mich.
Officers.
F. D. Bennett, President , Jackson, Mich.
E. F. Cooley, Vice-President   Lansing,      n
Robert Henkel, Vice-President Detroit,       n
A. D. Baker, Secretary and Treasurer Lansing,      n
Directors.
F. D. Bennett.
A. D. Baker.
E. F. Cooley.
Robert Henkel.
W. A. Baumann.
W. B. Parsons.
H. E. Hooker.
S. J. Titus.
B. L Hewett.
John A. Kelly.
T. L. Colby. 6 Geo. 5
British Columbia.
P 37
Amount deposited with the Government of British Columbia :   Bond of the United States
Fidelity & Guaranty Company for $25,000 in lieu of deposit.
Authorized capital $400,000 00
Amount subscribed    400,000 00
Amount paid    400,000 00
Statement for the Year ended December 31st, 1915.
Cash value of real estate, less encumbrances $     14,841  90
Cash value of mortgages, exclusive of interest       725,956 79
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc         93,236 00
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915           90,867 24
Agents' balances representing business written subsequent to October 1st, 1915       81,590 68
Agents' balances representing business written prior to October 1st,  1915 (not
extended), $2,005.68.
Interest due or accrued and unpaid  12,715 82
Due from other companies for reinsurance on losses already paid  428 73
Office furniture (not extended), $6,000.
Plans (not extended), $20,000.
Total assets.
,019,637 16
Liabilities.
Claims or losses adjusted	
Claims or losses resisted	
Claims or losses in suspense, or supposed, or reported.
Deduct reinsurance due or accrued.
Net amount of losses or claims unpaid $
Total reserve of unearned premiums for all outstanding risks	
Other reserves	
Amount due or accrued for salaries, stationery, rent, commission, brokerage,
agency	
Total amount of liabilities    I
Capital stock paid up	
Total of liabilities and paid-up capital.
Excess of assets over such total	
28,317 02
18,078 04
40,253 18
86,648 24
41,300 91
45,347 33
348,147 62
13,932 76
3,334 99
$   410,762 70
.     400,000 00
.     810,762 70
.$   208,874 46
Receipts.
Net premiums received in cash $ 578,274 90
Cash received for interest  40,014 26
Cash received from rents  1,556 46
Cash received for debentures, mortgages, etc. (not extended), $101,452.55.
Total cash receipts $   619,845 62 P 38
Report of the Superintendent of Insurance,
1916
Cash
paid to
for
Expenditure.
agents for commission, salaries, and bonus.
law costs	
fuel and light	
investigation and adjustment of claims. . .
interest, discount, and exchange	
statutory assessment and licence fees	
travelling expenses     	
rent and taxes	
salaries, directors' and auditors' fees. .....
printing, stationery, and advertising	
postage, telegrams, and express	
other expenses	
Total expenses of management	
Amount paid for losses occurring prior to 1915	
Amount paid for losses occurring during 1915	
Cash paid for debentures, mortgages, etc. (not extended), $194,912.
Total expenditure.
Returns for British Columbia.
Bond of guarantee company in lieu of deposit.
Assets (agents' balances)	
Liabilities	
Premiums written, less return premiums	
Losses incurred, net	
Losses paid, net	
Net amount at risk   .
$ 136,903
33
175
75
981
48
4,924
06
18
98
4,201
38
19,293
17
29,317
44
35,967
13
5,462
31
5,728
51
21,287
00
$ 264,260
54
45,048
95
210,111
16
$ 519,420
65
$  25,000
00
733
88
7,363
61
16,913
62
3,490
77
8,071
86
722,241
00
MICHIGAN FIRE & MARINE INSURANCE COMPANY.
Head Office—Detroit, Mich.
Officers.
D. M. Ferry, Jr., President.
E. J. Booth, Vice-President
H. E. Everett, Secretary. . .
F. A. Schulte, Treasurer .. .
. Detroit, Mich.
Geo. H. Barbour.
Dr. J. B. Book.
E. J. Booth.
Lem. W. Bowen.
Charles B. Calvert.
James Cravens.
Clinton Goodloe Edgar.
H. E. Everett.
D. M. Ferry, Jr.
Directors.
E. P. Hammond.
F. J. Hecker.
William R. Hees.
Carl. A. Henry.
Chas! C. Jenks.
Geo. E. Lawson.
Walter C. Mack.
Philip H. McMillan.
William H. Murphy*.
Chas. L. Palms.
F. A. Schulte.
James D. Standish.
Wm. P. Stevens.
J. W. Thompson.
H. Kirke White. '
M. B. Whittlesey.
C. M. Wilkinson. 6 Geo. 5 British Columbia. P 39
Amount deposited with the  Government  of British Columbia :    Bond of the United
States Fidelity & Guaranty Company for $25,000 in lieu of deposit.
Authorized capital    $400,000 00
Amount subscribed      400,000 00
Amount paid :      400,000 00
Statement for the Year ended December 31st,  1915.
Assets.
Cash value of real estate, less encumbrances $ 31,596  88
Cash value of mortgages, exclusive of interest  576,170 59
Cash value (excluding interest and dividends) of stock,   shares,  bonds, debentures, etc.,  705,030 00
Actual cash on hand at Head Office  21,998 80
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915  69,880 01
Agents' balances representing business written subsequent to October 1st, 1915 165,657  79
Agents' balances representing business written prior to October 1st,  1915 (not
extended), $2,853.91.
Interest due or accrued and unpaid  19,729 66
Amount of all other assets  611  67
Total assets $1,590,675 40
Liabilities.
Claims or losses adjusted $ 23,362 56
Claims or losses resisted  2,500 00
Claims or losses in suspense, or supposed, or reported  46,426 83
$ 72,289 39
Deduct reinsurance due or accrued  23,538 52
Net amount of losses or claims unpaid $ 48,750 87
Total reserve of unearned premiums for all outstanding risks  693,539 44
Dividends declared and remaining unpaid  20,000  00
Amount due or accrued for commission and agency  4,009 90
Taxes (estimated)  9,000 00
Total amount of liabilities $ 775,300 21
Capital stock paid up  400,000 00
Total of liabilities and paid-up capital    $1,175,300 21
Excess of assets over such total $ 415,375 19
Receipts.
Net premiums received in cash $ 699,639 94
Cash received for interest  65,100 25
Cash from all other sources     100 00
Total cash receipts $   764,840 19 P 40
Report of the Superintendent of Insurance,
1916
Expenditure.
Cash paid to agents for commission, salaries, and bonus.
for law costs	
ii investigation and adjustment of claims. .
ii interest, discount, and exchange	
ii statutory assessment and licence fees....
ii travelling expenses	
ii  rent and taxes	
ii  salaries, directors' and auditors' fees	
ii printing, stationery, and advertising ....
ii postage, telegrams, and express    ...
ii other expenses	
Total expenses of management	
Amount paid for losses occurring prior to 1915 .
Amount paid for losses occurring during 1915 . .
Cash paid for dividends	
Cash paid for other expenditure	
177,099 43
915 34
7,768 77
318 76
12,528 50
24,978 18
30,774 06
25,469 66
18,903 26
3,865 40
21,430 56
324,051 92
47,726 74
291,667 55
40,000 00
3,364 93
Total expenditure $   706,811  14
Returns for British Columbia.
Bond of guarantee company in lieu of deposit
Assets	
Liabilities .-	
Premiums written, less return premiums	
Losses incurred, net   	
Losses paid, net	
Net amount at risk	
$25,000 00
322 32
4,227 86
5,082 67
2,174 68
2,410 26
503,524 00
MINNEAPOLIS FIRE k MARINE INSURANCE COMPANY.
Head Office—Minneapolis, Minn.
Officers.
Fred C. van Dusen,  President Minneapolis, Minn.
J. D. McMillan, Vice-President  .. n
Alfred Stinson, Secretary  n n
J. R. Marfield, Treasurer  n n
Directors.
Fred C. van Dusen. J. R. Marfield. Geo. C. Bagley.
J. D. McMillan. W. C. Helm. Alfred Stinson.
P. L. Howe. A. G. Moritz. C. A. Brown.
Chas. W. Sexton.
Amount  deposited  with the Government of British Columbia :     Bond  of the United
States Fidelity & Guaranty Company for $25,000 in lieu of deposit.
Authorized capital $200,000 00
Amount subscribed    200,000 00
Amount paid up ,    200,000 00 ■6 Geo. 5 British Columbia. P 41
Statement for the Year ended December 31st,  1915.
Assets.
Cash value of mortgages, exclusive of interest    $   422,100 00
Cash value (excluding interest and dividends)  of stock, shares,  bonds, debentures, etc       181,327 18
Actual cash on hand at Head Office  11,514 64
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915        73,797 19
Agents' balances representing business written subsequent to October 1st, 1915        83,216  11
Agents' balances representing business written prior to October 1st,  1915 (not
extended), $552.07.
Interest due or accrued and unpaid         13,024 15
Office furniture (not extended), $2,500.
Plans (not extended), $12,000.
Total assets ' $ 784,979 27
Liabilities.
Claims or losses in suspense, or supposed, or reported $ 34,407 17
Deduct reinsurance due or accrued  9,864  13
Net amount of losses or claims unpaid $ 24,543 04
Total reserve of unearned premiums for all outstanding risks  284,394 29
Reserve for taxes based on the business covered by the statement  13,608 36
Reinsurance treaty account (not yet due)  16,297 61
Total amount of liabilities $   338,843 30
Capital stock paid up         200,000 00
Total of liabilities and paid-up capital "..    $   538,843 30
Excess of assets over such total $ 246,135 97
Receipts.
Net premiums received in cash $ 370,176 98
Cash received for interest  33,503 76
Cash received for debentures, mortgages, etc. (not extended), $48,875.
Cash from all other sources       46,946 21
Total cash receipts $ 450,626 95
Expenditure.
Cash paid to   agents for commission, salaries, and bonus $ 57,491 88
for law costs  426 60
ii investigation and adjustment of claims  4,741 83
ii interest, discount, and exchange  683 85
ii statutory assessment and licence fees  5,364 73
ii travelling expenses  13,210 13
' ii rent and taxes  15,100 20
ii salaries, directors' and auditors' fees  39,772 59
ii  printing, stationery, and advertising  7,712 67
ii postage, telegrams, and express  4,887 88
n other expenses  6,882 11
Total expenses of management $   156,274 47 P 42                      Report of the Superintendent of Insurance, 1916
Expenditure—Concluded.
Brought forward. $ 156,274 47
Amount paid for losses occurring prior to 1915  24,513 29
Amount paid for losses occurring during 1915  204,562  89
Cash paid for dividends  20,000 00
Cash paid for debentures, mortgages, etc. (not extended), $101,575.
Total expenditure $ 405,350 65
Returns for British Columbia.
Bond of guarantee company in lieu of deposit $ 25,000 00
Assets (agents' balances)  2,658 30
Liabilities  5,707 86
Premiums written, less return premiums  9,540 44
Losses incurred, net     1,118 31
Losses paid, net  1,099 02
Net amount at risk  751,360 00
NATIONAL BENEFIT LIFE & PROPERTY ASSURANCE COMPANY, LIMITED.
Head Office—London,  Eng.
Officers.
R. W. Granville-Smith, J.P, L.C.C., Chairman.
Joseph Francis, J.P., F.S.S., Managing Director.
S. F. Gandell, B.A, F.C.I.S., Secretary.
Directors.
R. W. Granville-Smith, J.P., L.C.C. H. H. Holford.
H. Gordon Jeaffreson.
Amount deposited with the Government of British Columbia: City of Regina Consolidated Registered Stock, £2,000; City of New Westminster bonds, $15,000; Canadian
Pacific Railway 6-per-cent. Note Certificates, $2,500; total, $27,233.32 (par).
Authorized capital    £120,000
Amount subscribed       104,715
Amount paid         46,096 6 Geo. 5 British Columbia. P 43
Statement for the Year ended December 31st, 1915.
As
£ s. d.
Mortgages on property within the United Kingdom  550,399 10 3
Loans on the Company's policies within their surrender value  11,707 5 8
Loan on reversion  200 0 0
Loans on personal security  3,162 10 4
Investments, deposit with the High Court—
India 3 % Stock, at cost    £ 6,370    0    0
India 3i % Stock         5,628 15    0
21 % Consols  8,001    5    0
  20,000 0 0
British Government securities, at cost  11,951 1 9
Treasury bills, at cost ......;.. . ;............. 13,825 11 9
Colonial Government securities, at cost  1,980 7 6
Colonial Provincial securities, at cost  4,070 5 9
Colonial municipal securities, at cost. .  .  9,744 18 6
Foreign Government securities, at cost  16,361 10 11
Railway and other debentures and debenture stock, at cost. ...   .......... 9,929 0 9
Railway ordinary stocks, at cost  1,440 0 0
Freehold ground-rents, at cost       .  801 8 3
Shares in public companies (£6,630, half paid), at cost. . .«.  7,671 13 8
House and office property, at cost   11,047 2 1
Agents' balances, less reserve  31,885 16 10
Amounts due from other companies  24,730 0 5
Debtors, sundry  873 12
Outstanding premiums     5,484.16 6
Deposits with other companies in respect of reinsurances  13,189 111
Outstanding interest, dividends, and rents  4,406 4 9
Life Department Establishment Account  4,423 12 6
Furniture and fixtures at Head Office and branches, less depreciation written off 1.812 8 10
Cash on deposit  .£12,000    0    0
Cash in hand and on current account       21,214  12    6
          -.:■  33,214 12 6
Liabilities.
Shareholders' capital paid up £
Life Assurance Fund (exclusive of £20,000 deposit) :    ...
Fire and General Insurance Fund	
Marine Insurance Fund	
Bond Investment and Endowment Certificate Fund	
Investment Reserve Fund  	
Profit and Loss Account	
2
£794,312    3    7
Claims admitted or intimated, but not paid—    . - ,
Life assurance £
Fire insurance	
General insurance	
Marine insurance	
Bond investment	
  .  i 27,550    3    5
Deposits  .      26,821  10    4
Creditors' and credit balances, including amounts due to other companies ....      28,122 15    7
Deposits from other companies in respect of reinsurances       53,775    4    2
46,096 0
7,771 0
5,834 10
12,237 13
565,000 0
16,000 0
5,103 5
0
10
5
3
0
0
7
£   s. d.
658,042 10 1
1,830 0
11,069 6
1,681 18
11,643 0
1,325 18
0
9
5
3
0
£794,312    3    7 P 44 Report of the Superintendent of Insurance, 1916
Marine Insurance Department.
£ s. d.
Claims paid and outstanding after deduction of reinsurances       14,247 6 9
Commission            5,715 0 8
Expenses of management            5,633 6 4
Bad debts              55 19 5
Amount carried to Profit and Loss Account       12,663 18 2
Balance, subject to unexpired risks       12,237 13 3
£ 50,553 4 7
£ s. d.
Balance at the beginning of the year          1,602 11 8
Premiums, less reinsurances       48,950 12 11
£ 50,553 4 7
Life Department.
£ s. d.
Claims under policies paid and outstanding by death         1,654 10 5
Surrenders             172 15 2
Commission         1,274 10 2
Expenses of management   £ 3,251    7 11
Less amount transferred to Establishment Account.. . .        1,625 13  11
 1,625 14 0
Dividend Account, transfer to Profit and Loss Account, being proportion
charged against the Life Account            694 4 6
Amount of Life Assurance Fund at the end of the year         7,771 0 10
£ 13,192 15 1
£ s. d.
Amount of Life Assurance Fund at the beginning of the year          3,264 17 6
Premiums less reassurances            9,280 7 5
Interest on deposit with the High Court       £      708  18     8
Less income-tax thereon  93  15    9
          615 2 11
Interest (general)   £        23    4    9
Less income-tax thereon  3    2    0
             20 2 9
Fees, etc              12 4 6
£ 13,192 15 1
Fire and General Insurance Departments.
£ s. d.
Claims paid and outstanding       58,784 4 2
Commission       13,926 0 8
Expenses of management, etc         9,974 14 8
Balance, subject to unexpired risks         5,834 10 ' 5
£ 88,519 9 11
£ s. d.
Amount of funds at the beginning of the year         5,890 2 2
Premiums, less reinsurances       65,924 16 11
Interest, less income-tax thereon               40 16 2
Amount carried to Profit and Loss Account       16,663 14 8
£ 88,519 9 11 6 Geo. 5 British Columbia. P 45
Bond Investment and Endowment Certificate Department.
£        s. d.
Claims under bonds and certificates paid and outstanding  18,244  12 2
Commission  2,780    0 5
Expenses of management  8,794    5 4
Agency expenses  1,325 12 2'
Organization and Extension Account  6,767     1 2
Interest on fully paid bonds  2,443  12 2
Directors' and trustees' fees     750    0 0
Transferred to Investment Reserve Fund  1,000    0 0
Loss on mortgages realized      790 16 7
Depreciation of furniture  200    5 6;
Bad debts .... t  113 18 1
Amount carried to Profit and Loss Account  5,296 13 4
Amount of Bond Investment and Endowment Certificate Fund at end of year 565,000    0 0
Returns for British Columbia.
Deposit with Government (municipal securities, etc.), par.
Other assets (agents' balances ; cash in bank)	
Liabilities (estimated in part)          	
Premiums written less return premiums	
Losses incurred, net	
Losses paid, net ,	
Net amount at risk    	
£613,507 5 11
£ s.    d..
Amount of Bond Investment and Endowment Certificate Fund at the beginning of the year     534,000 0    0
Premiums         53,556 111
Interest, dividends, and rents £  26,892  10    5
Less income-tax claimed and allowed  1,464    8    3
 25,428 2    2
Transfer and other fees             523 1  10'
£613,507    5 11
Profit and Loss Account.
£ s. d.
Dividends to shareholders, less tax  4,635 4 8>
Interest on deposits, less tax  898 4 4
Transferred to Fire and General Insurance Account  16,663 14 8-
Transferred to Special Reserve  5,250 0 0-
Balance  5,103 5 7
£ 32,550    9
£ s. d-
Balance of last year's account  6,538 5 6
Interest and dividends not carried to other accounts, including transfer from Life Account    £ 2,240    1     3
Less income-tax thereon  189    9    0
  2,051 12 3
Transferred from General Reserve  6,000 0 0
Transferred from Bond Investment Account  5,296 13 4
Transferred from Marine Insurance Account  12,663 18 2
£ 32,550    9
27,233
32
7,941
51
10,245
99-
14,519
58
3,381
38-
27,177
05
963,040
00 P 46
Report of the Superintendent of Insurance,
1916
NEWARK FIRE INSURANCE .COMPANY
Head Office—Newark, N.J.
Officers.
E. J. Haynes, President     Newark, N.J.
George F. Reeve, Vice-President..  !i u
T. L. Farquhar, Secretary ,  m n
T. D. Ricbardson, Treasurer  m h
Directors.
J. H. Bacheller. Herbert P. Gleason. Merritt G. Perkins.
Joseph M. Byrne. Edgar J. Haynes. George F. Reeve.
Theodore Coe. James S. Higbie. Joseph M. Riker.
Franklin Conklin. Uzal H. McCarter. Alfred F. Skinner.
Winton C. Garrison. Walter S. Nichols. Joseph Ward, Jr.
Amount deposited  with the Government of British   Columbia :     Bond of the United
States Fidelity & Guaranty Company for $25,000 in lieu of deposit.
Authorized capital    $500,000 00
Amount subscribed      500,000 00
Amount paid      500,000 00
Statement for the Year ended December 31st, 1915.
Assets.
Cash value of real estate, less encumbrances $ 186,226
Cash value of mortgages, exclusive of interest  497,995
Cash value (excluding interest and dividends) of stock,  shares, bonds, debentures, etc    1,104,170
Actual cash on hand at Head Office  760
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915  128,514
Agents' balances representing business written subsequent to October 1st,  1915 204,791
Agents' balances representing business written prior to October  1st,  1915  (not
extended), $8,489.28.
Interest due or accrued and unpaid  18,766
Due from other companies for reinsurance on losses already paid  12,792
Amount of all other assets  200
Total assets $2,154,217
Liabilities.
Claims or losses adjusted $ 41,081
Claims or losses resisted       27,952
Claims or losses in suspense, or supposed, or reported  146,756
$ 215,789
Deduct reinsurances due or accrued.     66,049
Net amount of losses or claims unpaid $ 149,740
47
75
00
92
19
05
40
32
00
10
00
00
23
23
00
23 6 Geo. 5
British Columbia.
P 47
Liabilities—Concluded.
Brought forward
Total reserve of unearned premiums for all outstanding risks.
Other reserves	
Dividends declared and remaining unpaid	
Amount due or accrued for salaries and commission	
Amount of all other liabilities	
Total amount of liabilities.
Capital stock paid up	
Total of liabilities and paid-up capital stock .
Excess of assets over such total	
Receipts.
$   149,740 23
.   1,043,392 38
17,500 00
8,784 25
2,289 90
59 98
.$1,221,766 74
.     500,000 00
.$1,721,766 74
.$   432,450 36
Net premiums received in cash	
Cash received for interest , ■.	
Cash received for debentures, mortgages, etc. (not extended), $34,850.45.
Cash from all other sources	
.$1,180,804 65
!;:,     77,280 80
35,000 00
Total cash receipts $1,293,085 45
Cash
Expenditure.
paid to agents for commission, salaries, and bonus.
for law costs	
ii fuel and light	
ii  investigation and adjustment of claims. .
ii interest, discount, and exchange	
ii  statutory assessment and licence fees. . . .
ii travelling expenses	
ii rent and taxes	
ii  salaries, directors' and auditors' fees	
ii printing, stationery, and advertising	
n postage, telegrams, and express	
n  other expenses	
251,107  13
1,853
2,501
17,006
732
8,978
27,458
38,971
106,875
18,806
7,847
40,946
88
32
64
37
89
61
77
59
84
57
29
Total expenses of management	
Net amount paid for losses occurring prior to 1915	
Net amount paid for losses occurring during 1915	
Cash paid for dividends	
Cash paid for debentures, mortgages, etc. (not extended), $67,332.35.
Cash paid for other expenditure	
523,086
133,031
504,891
69,741
90
53
17
10
35,000 00
Total expenditure $1,265,750 70
Returns for British Columbia.
Bond of guarantee company in lieu of deposit.
Assets	
.$     25,000 00
Liabilities	
Premiums written, less return premiums.
Losses incurred, net	
Losses paid, net	
Net amount at risk	
7,606
13,571
9,115
9,396
771,718
12
44
94
39
00 P 48 Report of the Superintendent of Insurance, 1910
NEW JERSEY FIRE INSURANCE COMPANY.
Head Office—Newark, N.J.
Officers.
George A. Viehmann, President    Newark,  N.J.
Charles L. Auger, Vice-President    .... Paterson,    n
Rudolph F. Rabe, Vice-President     Hoboken,     u
Albert E. Hartcorn, Vice-President New York, N.Y..
E. C. Bataille, Treasurer Newark,  N.J.
George E. Lyon, Secretary  u n
Directors.
Charles L. Auger. Albert E. Hartcorn. David St.John, M.D.
E. C. Bataille. Thomas J. Hillery. Edmund Eugene Sargeant..
W. R. Codington.- Frank Jennings. Geo. N. Seger.
William L. Douglass. George E. Lyon. Frank Stumpf.
Edwin B. Goodell. Rudolph F. Rabe. Geo. A. Viehmann.
Amount deposited with the Government of British Columbia :    Bond of the Canadian
Surety Company for $25,000 in lieu of deposit.
Authorized capital $1,000,000 00
Amount subscribed    1,000,000 00
Amount paid ,    1,000,000 00
Statement for the Year ended December 31st, 1915.
Assets.
Cash value of real estate, less encumbrances $   267,561  75-
Cash value of mortgages, exclusive of interest           718,539  60'
Loans, other than those secured by mortgages (not extended), $22,000.
Cash value (excluding interest and dividends) of  stock,  shares,  bonds, debentures, etc ,       413,833 00-
Actual cash on hand at Head Office       320 43-
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915       130,972 58
Agents' balances representing business written subsequent to October 1st, 1915        94,430  16-
Agents' balances representing business written prior to October 1st, 1915 (not
extended), $50,828.47.
Interest due or accrued and unpaid         14,007 75
Due from other companies for reinsurance on losses already paid  9,673  45
Amount of all other assets  1,940  15
Total assets $1,651,278 87
Liabilities.
Claims or losses adjusted $       9,561  13
Claims or losses resisted           23,064 29
Claims or losses in suspense, or supposed, or reported         72,043 78-
$   104,669 20-
Deduct reinsurance due or accrued  34,741 80 ■
Net amount of losses or claims unpaid    $     69,927 40* 6 Geo. 5                                       British Columbia. P 49
Liabilities—Concluded.
Brought forward $ 69,927 40
Total reserve of unearned premiums for all outstanding risks  329,091  95
Estimated amount hereafter payable for Federal,  State, or other taxes based
upon the business 6i the year of this statement  5,000 00
Due or accrued for salaries, rents, accounts, etc  26,172  65
Total amount of liabilities $   430,192 00
Capital stock paid up ,    1,000,000 00
Total of liabilities and paid-up capital $1,430,192 00
Excess of assets over such total   $ 221,086 87
Receipts.
Net premiums received in cash $ 106,020 54
Cash received for interest  74,319 69
Cash received from rents ,  22,069  70
Real-estate tax on 1915 paid in 1916  226 80
Borrowed money  450,000 00
Gross increase by adjustment in book value of real estate  810 21
Total receipts  $ 653,446 94
Expenditure.
Cash paid to agents for commission, salaries, and bonus $ 11,084 78
ii        for law costs  661  14
ii           H investigation and adjustment of claims  12,555 69
ii           ii interest, discount, exchange, and war revenue  3,503 58
ii           ii statutory assessment, licence fees, bond, and filing fee  31,673 68
ii           ii travelling expenses  17,167 86
ii           ii  rent and taxes ,.,  11,251  03
ii           ii salaries, directors' and auditors' fees      67,490 80
ii           ii printing, stationery, and advertising      8,341  08
ii           ii postage, telegrams, express, duty, and commercial reports  5,881  12
ii            ii  other expenses  34,867  70
Total expenses of management $ 204,478 46
Amount paid for losses occurring prior to 1915  89,389 42
Amount paid for losses occurring during 1915  343,622 32
Cash paid for repayment of loans  450,000 00
Gross loss on sale or maturity of real estate  6,295 92
Gross loss on sale or maturity of bonds  19,499 25
Gross decrease by adjustment in book value of real estate  9,113 51
Total expenditure $1,122,398
Returns for British Columbia.
Bond of guarantee company in lieu of deposit	
Assets (agents' balances)   	
Liabilities      	
Premiums written, less return premiums. ,    	
Losses incurred, net	
Losses paid, net	
Net amount at risk	
D
25,000
00
1,340
13
3,917
43
12,398
78
6,631
34
13,170
34
266,758
00 -P 50 Report of the Superintendent of Insurance, 1916
NEW ZEALAND INSURANCE COMPANY, LIMITED.
Head Office—Auckland, New Zealand.
Officers.
Hon. S. Thorne George, M.L.C., Chairman.
L. J. Bagnall, Deputy Chairman.
James Buttle, General Manager.
Directors.
Hon. S. Thorne George, M.L.C.    R. C. Carr. C. V. Houghton.
L. J. Bagnall. Matthew A. Clark. Arthur M. Myers, M.P.
Thomas Buddie. Henry Horton. Charles Rhodes.
Amount deposited with the Government of British Columbia:    Bond of the Guarantee
Company of North America for $25,000 in lieu of deposit.
Authorized capital    £ 1,500,000
Amount subscribed '        1,500,000
Amount paid  450,000
Statement for the Year ended November 30th, 1915.
Assets.
Investments— £ s.    d.
Mortgages     197,134 14    1
Shares ,  390    0    9
Company's freehold office premises and other properties.    376,652    9    7
Government securities and debentures*     567,650    6    5
Fixed deposits       68,66116    6        £       s.    d.
 1,210,489    7    4
Accrued interest and rents       14,316  10    3
Branch and agency balances       99,792  10    2
Remittances in transitu       37,000    0    0
Cash in banks and in hand at Head Office and branches       76,937    6  11
£ 1,438,535 14    8
Liabilities.
£        s.    d.
Subscribed capital, 150,000 shares of £10 each 1,500,000    0    0
Less uncalled capital, 150,000 shares  of £7 each 1,050,000    0    0 £ s. d.
  450,000 0 0
Reserve Fund  290,000 0 0
Reserve for unexpired risks     300,000 0 0
Investment fluctuation and Contingency Account. .. -.  25,967 19 9
Appropriation for unadjusted losses  150,725 0 0
Sundry creditors and unearned premiums  162,141 17 3
Balance     59,700 17 8
£1,438,535 14    8
* List filed with Department. 6 Geo. 5 British Columbia. P 51
Profit and Loss Account.
£ s. d.
By Balance at November 30th, 1914       46,591  19    9
Less dividend for half-year ended Nov. 30th, 1914.      22,500    0 0        £        s.    d.
24,091 19 9
Reinsurance Fund transferred to reserve for unexpired risks    282,000 0 0
Fire, marine, and accident premiums, less returns and reinsurances     740,646 10 11
Interest and rents         50,258 4 4
£1,096,996 15 0
£ s. d.
To Dividend for the half-year ended May 31st, 1915       22,500 0 0
Commissions, salaries, and other expenses     185,976 9 3
Government taxes and payments to Fire, Marine, and Accident Associations     22,902 17 9
Special allocation to New Zealand Patriotic Fund         7,500 0 0
Fire, marine, and accident losses and appropriation for unadjusted losses.   423,843 18 8
Amounts written off sundry investments       34,572 11 8
Transfer to Reserve Fund    ,       40,000 0 0
Reserve for unexpired risks at November 30th, 1915     300,000 0 0
Balance       59,700 17 8
£1,096,996 15    0
Returns for British Columbia.
Bond of guarantee company in lieu of deposit   $     25,000 00
Assets (agents' balances)       3,869 41
Liabilities  17,631 52
Premiums written, less return premiums  29,185 81
Losses incurred, net  17,021 38
Losses paid, net  19,388 79
Net amount at risk    1,597,105 00
NORTHWESTERN  MUTUAL FIRE ASSOCIATION.
Head Office—Seattle,  Wash.
Officers.
F. J. Martin, President , Seattle, Wash'.
F. A. Ernst, Vice-President       n n
M. D. L. Rhodes, Secretary         n u
Jno. C. Keith, Treasurer       ., n
Directors.
F. J. Martin. M. D. L. Rhodes Corwin S. Shank.
F. A. Ernst. J. H. Edwards.
Amount deposited with the  Government of  British  Columbia :    Bond   of  the United
States Fidelity k Guaranty Company for $25,000 in lieu of deposit. P 52 Report of the Superintendent of Insurance, 1916
Statement for the Year ended December 31st, 1915.
Assets.
Cash value of real estate, less encumbrances     $ 15,089 11
Cash value of mortgages, exclusive of interest  56,611 28
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc  170,764 38
Actual cash on hand at Head Office  2,585 57
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915  56,469 28
Agents' balances representing business written subsequent to October 1st, 1915 111,995 57
Agents' balances representing business written prior to October 1st, 1915 (not
extended), $14,110.30.
Bills receivable  6,468 23
Interest due or accrued and unpaid.  4,945 70
Due from other companies for reinsurance on losses already paid  95 11
Advance for reinsurance ,  9,795 77
Office furniture (not extended), $8,506.
Total assets $ 434,820 00
Liabilities.
Claims or losses resisted $ 2,016 65
Claims or losses in suspense, or supposed, or reported  19,850 92
$     21,867 57
Deduct reinsurance due or accrued  5,351  35
Net amount of losses or claims unpaid $ 16,516  22
Total reserve of unearned premiums for all outstanding risks  291,731  52
Premiums paid in advance  1,516 28
Amount due or accrued for commission  7,730 77
Reserve for taxes (estimated)  7,800 00
Total amount of liabilities $   325,294  79
Excess of assets over such total , $ 109,525 21
Receipts.
Net premiums received in cash , $ 670,804 12'
Cash received for interest  12,801 46
Cash received for debentures, mortgages, etc. (not extended), $32,000.
Cash from all other sources (inspection fees)  14,429 81
Total cash receipts   $ 698,035 39
Expenditure.
Cash paid to  agents for commission, salaries, and bonus      $ 68,178 65
for law costs  3,287 58.
ii investigation and adjustment of claims.  5,550 46
i.  interest, discount, and exchange  841  27
ii  statutory assessment and licence fees  8,838 09
ii travelling expenses  25,674 72
ii  rent and taxes  7,818  14
ii salaries, directors' and auditors' fees  44,858 21
ii printing, stationery, and advertising  10,457 82
ii postage, telegrams, and express  6,533 2S
ii other expenses  21,202 67
Total expenses of management $   203,240 89 6 Geo. 5                                     British Columbia. P 53
Expenditure—Concluded.
Brought forward. $ 203,240 89
Net amount paid for losses occurring prior to 1915      ... 20,219 43
Net amount paid for losses occuring during 1915  250,674 17
Cash paid for dividends  "219,739 84
Other expenditure  1,350 00
Total expenditure   $ 695,224 33
Returns for British Columbia.
Bond of guarantee company in lieu of deposit. $ 25,000 00
Assets  ....
Liabilities  5,029 74
Premiums written, less return premiums  9,210 04
Losses incurred, net  2,167 45
Losses paid, net  2,194 90
Net amount at risk  731,575 00
PACIFIC FIRE INSURANCE COMPANY.
Head Office—New York, N.Y.
Officers.
C. V. Meserole, President New York, N.Y.
L. R. Bowden, Vice-President  " n
M. A. Stone, Vice-President         ii n
H. G. Stephens, Secretary  n n
Directors.
L. R. Bowden. H. A. Loth. A. R. Pierson.
Eben Demarest. C. V. Meserole. H. J. Robinson.
J. D. Fairchild. J. P. Murray. C. L. Rossiter.
Thomas Cochran. F. T. Nesbit. J. N. Stearns.
J. H. Hallock. C. W. Osborne. M. A. Stone.
E. C. Jameson. E. E. Pearce. H. G. Stephens.
Amount deposited with the Government of British Columbia:    Bond of the National
Surety Company for $25,000 in lieu of deposit.
Authorized capital   $400,000 00
Amount subscribed    400,000 00
Amount paid      400,000 00
Statement for the Year ended December 31st, 1915.
Assets.
Cash value of mortgages, exclusive of interest $ 72,000 00
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc  97 7,437 00
Actual cash on hand at Head Office  4,334 21
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915  47,009 92
Agents' balances representing business written subsequent to October 1st, 1915 132,159 48
Interest due or accrued and unpaid  5,285 83
Total assets $1,238,226 44 P 54
Rerort of the Superintendent of Insurance,
1916
Liabilities.
Claims or losses adjusted.
Claims or losses resisted..
Deduct reinsurance due or accrued.
 $ 91,374 53
  12,050 00
$ 103,424 53
  12,181 67
Net amount of losses or claims unpaid $ 91,242 86
Total reserve of unearned premiums for all outstanding risks  405,103 30
Amount due or accrued for salaries,  stationery,  rent,  commission,  brokerage,
agency  10,701 17
Amount of accrued taxes  5,000 00
Total amount of liabilities '. $   512,047  33
Capital stock paid up       400,000 00
Total of liabilities and paid-up capital $ 912,047 33
Excess of assets over such total $ 326,179 11
Receipts.
Net premiums received in cash $ 609,398 10
Cash received for interest ,  49,594 18
Profit on sale of securities sold  13,308 93
Borrowed money  164,000 00
Cash from all other sources  1,336 80
Total cash receipts.
837,638 01
Expenditure.
Cash paid to agents for commission, salaries, and bonus.
for law costs	
ii  investigation and adjustment of claims . .
ii  interest, discount, and exchange	
ii  statutory assessment and licence	
ii rent and taxes	
ii  salaries, directors' and auditors' fees ....
n  printing, stationery, and advertising ....
ii postage, telegrams, and express	
ii other expenses	
56,947 38
423 43
12,575 27
792 07
11,868 63
3,943 01
17,965 10
4,135 01
2,276 84
11,919 43
Total expenses of management $ 222,846 17
Net amount paid during the vear for losses.     365,533 04
Cash paid for dividends.  40,000 00
Cash paid for repayment of loans  184,000 00
Cash paid for other expenditure  2,859 73
Total expenditure   $   815,238 94
Returns for British Columbia.
Bond of guarantee company in lieu of deposit.
Assets	
Liabilities	
Premiums written, less return premiums	
Losses incurred, net	
Losses paid, net.
.$     25,000 00
23,832 16
29,994 52
7,924 27
10,738 82
Net amount at risk    1,570,919 00 6 Geo. 5 British Columbia. P 55
PACIFIC STATES FIRE INSURANCE COMPANY.
Head Office—Portland, Ore.
Officers.
F. E. Beach, President Portland, Ore.
F. I. Fuller, Vice-President  n n
W. H. Robinson, Secretary  u n
A. H. Averill, Treasurer  u        n
Directors.
F. E. Beach. Chester Deering. Manuel Friedly.
A. H. Averill. C. W. Nottingham. C. S. Frank.
F. I. Fuller. S. W. Stryker. C. A. Croft.
L. G. Clarke. D. J. Quimby.
Amount deposited with the Government of  British Columbia :    City of New Westminster 3-year 6-per-cent. Gold Treasury Notes, $25,000 (par).
Authorized capital  $1,000,000 00
Amount subscribed  627,700 00
Amount paid—
Shares paid in full    344,900 00
Shares, payments on account of  17,579 42
Statement for the Year ended December 31st, 1915.
Assets.
Cash value of real estate, less encumbrances $     17,290 79
Cash value of mortgages, exclusive of interest       400,100 76
Loans, other than those secured by mortgages      352  96
Cash value (excluding interest and dividends) of stock,  shares, bonds, debentures, etc        98,186 66
Actual cash on hand at Head Office  4,354 05
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915        45,770 71
Agents' balances representing business written subsequent to October 1st, 1915        30,205  56
Agents' balances representing business written prior to October 1st, 1915 (not
extended), $12,364.90.
Bills receivable less than one year overdue  2,144 53
Interest due or accrued and unpaid  9,152 57
Calls on capital stock outstanding in course of collection (not extended), $385,988.89.
Due from other companies for reinsurance on losses already paid  793  16
Amount of all other assets  167  85
Office furniture (not extended), $2,209.27.
Plans (not extended), $3,398.94.
Total assets , $   608,519 60
Liabilities.
Claims or losses resisted  $     10,000 00
Claims or losses in suspense, or supposed, or reported         15,820 05
$     25,820 05
Deduct reinsurance due or accrued         18,152 57
Net amount of losses or claims unpaid    $       7,667 48 P 56                       Report of the Superintendent of Insurance, 1916
Liabilities—Concluded.
Brought forward. $ 7,667 48
Total reserve of unearned premiums for all outstanding risks  71,169 44
Amount due or accrued  for salaries,  stationery,   printing,   rent,   commission,
brokerage, and agency     .'  672 75
Amount of all other liabilities  18,965 76
Total amount of liabilities $     98,475 43
Capital stock paid up in full       344,900 00
Capital stock payments on account  17,579 42
Total of liabilities and paid-up capital $ 460,954 85
Excess of assets over such total $ 147,564 75
Receipts.
Net premiums received in cash $ 97,599 45
Cash received for interest  38,943 00
Cash received from rents  431  70
Cash received from calls on capital stock  11,106 33
Cash received for debentures, mortgages, etc. (not extended), $15,390.
Cash received from all other sources  2,292 50
Total cash receipts $   150,372
Expenditure.
Cash paid to agents for commission, salaries, and bonus
for investigation and adjustment of claims..
interest, discount, and exchange	
statutory assessment and licence fees  ...
travelling expenses	
salaries, directors' and auditors' fees	
printing, stationery, and advertising	
postage, telegrams, and express	
other expenses	
Total expenses of management	
Net amount paid for losses occurring prior to 1915.
Net amount paid for losses occurring during 1915. .
Cash paid for other expenditure  . .
$  29,698
00
2,729
01
9
17
1,110
50
6,493
76
30,859
79
3,868
66
1,822
44
11,121
34
$  87,712
67
7,649
13
53,407
31
3,000
00
Total expenditure   $   151,769 11
Returns for British Columbia.
Deposit with Government (par)	
Other assets (agents' balances, accrued interest, and mortgage)	
Liabilities	
Premiums written, less return premiums	
Losses incurred, net	
Losses paid, net	
Net amount at risk    	
25,000
00
6,602
21
2,993
90
6,993
07
589
71
1,377
71
389,833
00 <6 Geo. 5 British Columbia. P 57'
RELIANCE INSURANCE COMPANY OF PHILADELPHIA.
Head Office—Philadelphia, Pa.
Officer*.
Wm. Chubb, President Philadelphia, Pa.
Chas. J. Wister, Vice-President and Secretary  n u
Directors.
T. Wistar Brown. Alex. W. Wister. R. Francis Wood.
John B. Morgan. Samuel Bispham. John A. Richmond.
Wm. Chubb. Cornelius Stevenson. Chas. J. Wister.
Edward K. Bispham. Clarence B. Collier.
Amount deposited with the Government of British Columbia:    Bond of the United
States Fidelity & Guaranty Company for $25,000 in lieu of deposit.
Authorized capital $400,000 00
Amount subscribed    400,000 00
Amount paid    400,000 00
Statement for the Year ended December 31st, 1915.
Assets.
Cash value of real estate, less encumbrances $   134,000 00
■Cash value of mortgages, exclusive of interest         44,000 00
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc      1,059,357 50
Actual cash on hand at Head Office  3,810 88
•Cash on deposit to the Company's credit and not drawn against on December
31st, 1915        98,818 78
Agents' balances representing business written subsequent to October 1st, 1915     197,980 03
Agents'balances representing business written prior to October 1st,  1915 (not
extended), $699.65.
Interest due or accrued and unpaid         13,952 36
Due from American Union Insurance Coin Liquidation (not extended), $3,562.49.
Amount of all other assets „  1,010 00
Total assets $1,552,929 55
Liabilities.
Claims or losses adjusted $     26,302  29
Claims or losses resisted  6,045 86
Claims or losses in suspense, or supposed, or reported       107,475 43
$   139,823 58
Deduct reinsurance due or accrued ■         50,478 01
Net amount of losses or claims unpaid $ 89,345 57
Total reserve of unearned premiums for all outstanding risks  840,312 52
Amount due or accrued for stationery, printing, advertising, and commission. . 13,757 34
Reserve for taxes (estimated)  8,375 00
Total amount of liabilities $   951,790 43 P 58
Report of the Superintendent of Insurance,
1916:
Liabilities—Concluded.
Brought forward.  . $   951,790 43-
Capital stock paid up       400,000 0O
Total of liabilities and paid-up capital $1,351,790 43-
Exces's of assets over such total $ 201,139 12:
Receipts.
Net premiums received in cash $ 685,724 05-
Cash received for interest  50,549 81
Cash received for rents -. 8,844 0O
Cash received for debentures, mortgages, etc. (not extended), $47,043.
Cash from all other sources  2,930 21
Total cash receipts.
.$   748,048 07
Cash
Expenditure.
paid to  agents for commission, salaries, and bonus.. $ 152,490 22
for law costs  355 90>
i fuel and light :  760 98
i investigation and adjustment of claims  10,609 56-
i interest, discount, and exchange ,  254 51
i  statutory assessment and licence fees  7,329 61
i travelling expenses  13,698 25-
i rent and taxes  41,863 54
i salaries, directors' and auditors' fees  73,059 99
i printing, stationery, and advertising  5,716 89
i postage, telegrams, and express  7,125 42"
i other expenses :  21,691 51
Total expenses of management     $ 334,956  38'
  77,482 30
  263,959 51
  24,000 00
  25,000 00
Net amount paid for losses occurring prior to 1915.
Net amount paid for losses occurring during 1915	
Cash paid for dividends	
Cash paid for repayment of loans	
Cash paid for debentures, mortgages, etc. (not extended), $29,718.75.
Cash paid for other expenditure	
2,375  75
Total expenditure.
Returns for British Columbia.
Bond of guarantee company in lieu of deposit.
Assets (agents' balances)	
Liabilities	
Premiums written, less return premiums	
Losses incurred, net	
Losses paid, net	
Net amount at risk	
727,773 94
25,000 00
3,115 99
5,286 01
10,000 46'
850 47
2,399 53-
564,577 00 6 Geo. 5 British Columbia. P 59
RHODE ISLAND INSURANCE COMPANY.
Head Office—Providence,   R.I.
Officers.
Geo. L. Shepley, President.
Emil G Pieper, Vice-President and Secretary.
Directors.
Newton D. Arnold. Darius L. Goff. Frank N. Phillips.
Walter Callender.. Lyman B. Goff. George C. Phillips.
Henry A. Carpenter. Walter S. Hackney. Emil C. Pieper.
Nathaniel B. Church. C. A. Hutchins. George L. Shepley.
Samuel P. Colt. Benjamin A. Jackson. Byron S. Watson.
Louis H. Comstock. Samuel M. Nicholson. William M. Wood.
Michael F. Dooley. Frederick S. Peck.
Amount deposited with the Government of British Columbia:   Bond of the Canadian
Surety Company for $25,000 in lieu of deposit.
Authorized capital    $500,000 00
Amount subscribed      400,000 00
Amount paid      400,000 00
Statement for the Year ended December 31st, 1915.
Assets.
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc $1,213,158 50
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915 ,  93,429 39
Agents' balances representing business written subsequent to October 1st, 1915 209,313  65
Cash deposited with Philadelphia Underwriters  100 00
Interest due or accrued and unpaid  9,249 52
Due from other companies for reinsurance on losses already paid    8,499 38
Total assets  $1,533,750 44
Liabilities.
Claims or losses adjusted $     23,713 75
Claims or losses resisted  3,642  68
Claims or losses in suspense, or supposed, or reported  91,111  35
$   118,467 78
Deduct reinsurance due or accrued         51,915 01
Net amount of losses or claims unpaid    $     66,552 77
Total reserve of unearned premiums for all outstanding risks       624,403 27
Amount due or accrued for taxes, salaries, and commission         83,573 50
Total amount of liabilities $   774,529 54
Capital stock paid up       400,000 00
Total of liabilities and paid-up capital $1,174,529 54
Excess of assets over such total , $   359,220 90 P 60
Report of the Superintendent of Insurance,
1916
Receipts.
Net premiums received in cash $ 710,440 61
Cash received for interest  54,412 00
Cash received for debentures, mortgages, etc. (not extended), $202,280.
Profit on sale of bonds  1,293 75
Total cash receipts. $ 766,146 36
Expenditure.
Cash paid to agents for commission, salaries, and bonus $ 234,445 40
n        for law costs  33 32
n           ii  investigation and adjustment of claims  8,894 99
ii           ii   assessments, licences, and fees -  40,435 12
n           n   printing, stationery, and advertising  395 03
ii           ii   other expenses  513 38
Total expenses of management $ 284,717 24
Amount paid for losses occurring prior to 1915  103,942 96
Amount paid for losses occurring during 1915  275,554 27
Cash paid for dividends  40,000 00
Cash paid for debentures, mortgages, etc. (not extended), $259,834.69.
Total expenditure $ 704,214 47
Returns for British Columbia.
Bond of guarantee company in lieu of deposit $ 25,000 00
Assets (agents' balances)  137 53
Liabilities  4,496 82
Premiums written, less return premiums  3,490  24
Losses incurred, net  2,582 80
Losses paid, net  1,582 67
Net amount at risk  324,780 00
STUYVESANT INSURANCE COMPANY.
Head Office—New York, N.Y.
Officers.
A. R. Pierson, President.. New York, N.Y.
C. A. Garthwaite, Vice-President        n n
G. F. Hutchings, Secretary        n n
Directors.
A. R. Pierson. Robt. K. Prentice. F. L. Froment.
J. S. Frelinghuysen. A. C   Knothe. C. A. Garthwaite.
H. G. McFaddin. E. F. Brewster. L. A. Thompson.
E.C.Jameson. E.P.Moore. W. H. Kellner.
H. R. Chambers. J. F. Schmadeke. N. P. Cutler.
Amount deposited with the Government of British Columbia:    Bond of the National
Surety Company for $50,000 in lieu of deposit.
Authorized capital    $400,000 00
Amount subscribed      400,000 00
Amount paid         400,000 00 6 Geo. 5 British Columbia. P 61
Statement for the Year ended December 31st,  1915.
Assets.
Cash value of mortgages, exclusive of interest $ 6,000 00'
Cash value (excluding interest and dividends) of stock,  shares,  bonds, debentures, etc  952,795 00'
Actual cash on hand at Head Office  46 88
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915  33,313 18
Agents' balances representing business written subsequent to October 1st, 1915 239,805 89
Agents' balances representing business written prior to October  1st,   1915 (not
extended), $3,371.95.
Interest due or accrued and unpaid  4,378 31
Due from other companies for reinsurance on losses already paid. ...     26,015 01
Amount of all other assets  20,000 00.
Total assets $1,282,354 27
Liabilities.
Claims or losses resisted            $     22,492 00-
Claims or losses in suspense, or supposed, or reported       244,296 01
$   266,788 01
Deduct reinsurances due or accrued         86,339 63
Net amount of losses or claims unpaid $ 180,448 38-
Total reserve of unearned premiums for all outstanding risks  585,386 30
Amount due or accrued for rent  500 00-
Accrued taxes ,  12,000 0O
Due for reinsurance  6,467 17
Total amount of liabilities .' $   784,801 85
Capital stock paid up ,       400,000 00
Total of liabilities and paid-up capital    $1,184,801   85
Excess of assets over such total $     97,552 42,
Receipts.
Net premiums received in cash , $1,023,982 34
Cash received for interest  46,560 83
Borrowed money              25,000 00
Cash from all other sources     2,301 75
Total cash receipts $1,097,844 92
Expenditure.
Cash paid to agents for commission, salaries, and bonus $ 322,753  69
for law costs  1,995 47
ii  investigation and adjustment of claims  29,877  16
n  interest, discount, and exchange     250 00
ii statutory assessment and licence fees  28,854 30
ii rent and taxes  6,418 82
ii  salaries, directors' and auditors' fees  15,541  07
ii  printing, stationery, and advertising  5,619  21
ii postage, telegrams, and express  1,343 16
ii other expenses  17,964 41
Total expenses of management $   430,617 29 Expenditure—Concluded.
Brought forward $ 430,617 29
Net amount paid for losses during the year  556,191  07
Cash paid for dividends  20,000 00
Cash paid for repayment of loans ,  25,000 00
Total expenditure $1,031,808 36
Returns for British Columbia.
Bond of guarantee company in lieu of deposit . .. $ 50,000 00
Assets (agents' balances)  3,459 13
Liabilities  24,591 53
Premiums written, less return premiums  40,289 95
Losses incurred, net  23,971  76
Losses paid, net  18,952 46
Net amount at risk ,    2,437,238 00
SVEA FIRE & LIFE INSURANCE COMPANY.
Head Office—Gothenburg, Sweden.
Officers.
Johan E. Ekman,  President
Carl Lam berg, Vice-President.
C. A. Hjelm, Secretary.
Directors.
*
Ernst Bring. Bertil Wijk. Th. Willerding.
Axel Carlander. Conrad N. Pineus. Carl Kindar.
Th. Wijkander. Axel H. Agren.
Amount deposited with the Government of British Columbia:    Bond of the National
Surety Company for $25,000 in lieu of deposit.
Authorized capital $2,666,666 67
Amount subscribed    2,666,666 67
Amount paid       800,000 00
Statement for the Year ended December 31st, 1915.
Assets.
Value of real estate   $   508,453 33
Mortgage loans on real estate    7,065,272 62
Loans secured by pledge of bonds, stocks, or other collateral ,   2,774,545 32
Value of bonds and stocks ,    4395,441 49
Deposit in trust companies and banks       222,173 87
Agents' balances representing business written subsequent to October 1st, 1915     489,389 18
Interest due or accrued         178,661 20
Due from other companies       311,542 20
Other assets         43,798 50
Premiums in course of collection, December 31st         73,610 53
Office furniture ,  2,666 67
Total assets $16,065,554 91 6 Geo. 5 British Columbia. P 63
Liabilities.
Gross losses adjusted or in process of adjustment or in suspense $     430,281  51
Deduct reinsurance         132,414 85
Net amount of unpaid losses and claims $     297,866  66
Reserve for unearned premiums on all unexpired fire risks      1,184,761  34
Net premium reserve and all other liabilities,  except capital,  under the life
insurance or any other special department    11,386,490 68
Dividends declared and unpaid to stockholders  9,202 93
All other liabilities         855,333 56
Total amount of liabilities    $13,733,655 17
Capital stock paid up         800,000 00
Total of liabilities and paid-up capital $14,533,655  17
Excess of assets over such total $ 1,531,899 74
Income.
Net fire premiums '. % 2,312,856 92
Gross interest on mortgage loans, collateral loans, bonds, and  dividends on
stocks (life insurance business, $488,221.77)  661,774 57
Gross rents for Company's property  32,815 37
Life insurance premiums  1,443,124 71
Reserved for unpaid losses from 1914  256,800 00
Commission on reinsurance  407,195 70
Total income $ 5,114,567 27
Disbursements.
Gross amount paid policyholders for losses (including $158,520.42 occurring in
previous years) $ 1,648,389 03
Deduct amount received for salvage, reinsurance, and discount         850,537 90
Net amount paid policyholders for fire losses $ 797,851 13
Commissions or brokerage (life insurance business, $138,130.67)  720,768 49
Salaries, fees, and all other charges of  officers, directors, trustees,  and Home
Office employees (life insurance business, $101,475.20)  362,869 72
Taxes on real estate |
State taxes on premiums                               wlifeinsurance business, $25,824.97) 86,726 00
Insurance Department licences and fees    J
Life insurance business  1,618,164 50
Other disbursements  949,539 30
Reserved for losses in process of adjustment  297,866 67
Total disbursements $ 4,833,785 81
Returns for British Columbia.
Bond of guarantee company in lieu of deposit $ 25,000 00
Assets  ...
Liabilities  8,542 94
Premiums written, less return premiums  11,975 31
Losses incurred, net  7,419 85
Losses paid, net  7,608 39
Net amount at risk  712,809 00 P 64 Report of the Superintendent of Insurance, 1916
THE UNION MARINE INSURANCE COMPANY, LIMITED.
Head Office—Liverpool, Eng.
Sir Helenus R. Robertson, President.
.    J. H. Beazley, Vice-President.
John Sandeman Allen, General Manager and Secretary.
Amount deposited with the Government of British Columbia : Certificate for (par) £5,000
Canadian Northern Pacific Railway Company First Mortgage Terminal Debenture Stock.
Authorized capital $ 7,500,000
Amount subscribed          7,500,000
Amount paid         817,500
Statement for the Year ended December 31st, 1915.
Assets.
Value of real estate owned by the Company $   447,172 50
Bonds and stocks owned absolutely by the Company    4,981,587 27
Cash in the Company's principal office $ 838 14
Cash deposited in banks       731,662 20
 732,500 34
Interest due and accrued on bonds         49,650 00
Gross premiums (as written in the policies) in course of collection on policies
written within three months    1,218,411 64
Bills receivable, not matured, taken for marine and inland risks         27,208 89
All other property belonging to the Company, viz.—
Due from other companies for reinsurance on losses already
paid $   921,010 00
Stamps on hand  1,858 60
Gross premiums written prior October 1st, 1915       597,380 00
 : 1,520,248 60
$8,976,779 24
Liabilities.
Net amount of unpaid losses $1,392,150 00
Unearned premiums       853,610 00
Cash dividends to stockholders remaining unpaid  881 00
All other demands against the Company, absolute and contingent,
due and to become due, admitted and contested, viz.—
Commissions, brokerage, and other charges due and to become
due to agents and  brokers on premiums  paid  and in
course of collection     $   325,964 87
Return premiums       229,536 95
Reinsurance    1,294,102 66
 1,849,604 48
Total amount of liabilities $4,096,245 48
Capital stock paid up       817,500 00
Total of liabilities and paid-up capital $4,913,745 48
Excess of assets over such total  . : $4,063,033 76 6 Geo. 5
British Columbia.
P 65
Receipts.
Net cash actually received for premiums    4,413,018  13
Received for interest on mortgages
Received for interest and dividends on stocks and bonds,
collateral loans, and from all other sources
Received for rents
168,921 04
Total receipts $4,581,939 17
Disbursements.
Net amount paid during the year for losses !
Cash dividends actually paid stockholders ,	
Paid for commission or brokerage	
Paid for salaries, fees,  and all other charges of officers, clerks,  agents,  and all
other employees	
Paid for taxes     	
All other payments and expenditures, viz.—
Rents , $     18,268 29
Disbursements       162,645 93
Returns for British Columbia.
Deposit with Government, guaranteed railway debenture stock (par), £5,000.
Other assets (agents' balances)	
Liabilities	
Premiums written, less return premiums—
Fire	
Marine and automobile 	
Losses incurred, net—
Fire .    	
Marine and automobile	
Losses paid, net—
Fire	
Marine (nil) and automobile	
Net amount at risk—
Fire	
Marine,  etc	
52,977,020 00
106,275 00
217,813 21
165,590 00
66,240 66
180,914 22
3,713,853 09
24,333 32
1,690 17
11,492 88
4,235 60
4,635 80
4,017 60
7,967 48
5,392 61
323 98
208,783 00
31,250 00
VULCAN FIRE INSURANCE COMPANY.
Head Office—Oakland, Cal.
Officers.
J. F. Carlston, President Oakland,
E. S. Wangenheim, Vice-President Newman,
Arnold Hodgkinson, Secretary San Francisco,
E. D.. Bothwell, Treasurer Oakland,
Directors.
J. F. Carlston. E. S. Wangenheim. Tom C. Grant.
Wickham Havens. Alden Anderson. J. W. Phillips.
J. P. Maxwell. W. T. Veitch. C. H. Wente.
J. Y. Eccleston. R. M. Fitzgerald. Stuart S. Hawley.
William Cavalier.
e
Cal. P 66 Report of the Superintendent of Insurance, 1916
Amount deposited with the Government of British Columbia:    Bond of the National
Surety Company for $25,000 in lieu of deposit.
Authorized capital $500,000 00
Amount subscribed    500,000 00
Amount paid    500,000 00
Statement for the Year ended December 31st, 1915.
Assets.
Cash value of mortgages, exclusive of interest      $   565,002  75
Loans, other than those secured by mortgages         50,000 00
Cash value (excluding interest and dividends)   of stock,  shares,  bonds,  debentures, etc       243,145 00
Actual cash on hand at Head Office  564 09
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915       115,737 59
Agents' balances representing business written subsequent to October 1st, 1915       27,890 16
Agents' balances representing business written prior to October 1st,  1915 (not
extended), $1,329.91.
Interest due or accrued and unpaid         13,640 24
Total assets $1,015,979 83
Liabilities.
Claims or losses adjusted $        2,486  66
Claims or losses in suspense, or supposed, or reported ,  7,883  78
$ 10,370 44
Deduct reinsurances due or accrued. ..  1,106 43
Net amount of losses or claims unpaid ,  $ 9,264 01
Total reserve of unearned premiums for all outstanding risks  84,029 26
Interest paid in advance  217 53
Amount due or accrued for commission  . 6,304 59
Amount due for taxes  2,403 53
Total amount of liabilities ' $ 102,218 92
Capital stock paid up  500,000 00
Total of liabilities and paid-up capital    $ 102,218 92
Excess of assets over such total , $ 413,760 91
Receipts.
Net premium's received in cash $ 109,415 34
Cash received for interest   47,897 46
Cash received for debentures, mortgages, etc. (not extended), $16,742.20.
Total receipts $   157,312 80 6 Geo. 5 British Columbia. P 67
Expenditure.
Cash paid to agents for commission	
for law costs  . . . .
ii investigation and adjustment of claims.
ii statutory assessment and licence fees. . .
ii travelling expenses	
ii rent and taxes	
ii salaries, directors' and auditors' fees . . .
ii printing, stationery, and advertising . . .
ii postage, telegrams, and express	
H other expenses	
$
21,052 04
763 47
2,108 51
3,889 87
6,860 28
5,554 55
28,287 31
2,572 55
1,297 81
5,265 72
$.
77,652 11
4,890 82
54,047 62
Total expenses of management	
Net amount paid for losses occurring prior to 1915	
Net amount paid for losses occurring during 1915	
Cash paid for debentures, mortgages, etc. (not extended), $49,658.80.
Total expenditure $   136,590 55
Returns for British Columbia.
Bond of guarantee company in lieu of deposit	
Assets ('agents' balances)	
Liabilities	
Premiums written, less return premiums	
Losses incurred, net	
Losses paid, net     	
Net amount at risk	
25,000
00
2,472
57
2,338
15
2,911
47
948
93
1,005
30
304,158
00
WEST OF SCOTLAND INSURANCE OFFICE, LIMITED.
Head Office—Glasgow, Scotland.
This Company has ceased to transact business in the Province of British Columbia. P    68 Report of the Superintendent of Insurance, 1916
INSURANCE OTHER THAN  FIRE INSURANCE.
Annual Statements of Provincial Licensees for Year ended
December 31st, 1915.
BRITISH COLUMBIA PLATE GLASS  INSURANCE COMPANY.
Head Office—Vancouver, B.C.
Officers.
W. E. Graveley, President Vancouver, B.C.
J. W. McFarland, Vice-President  n u
Alfred Farmer, Secretary and Treasurer  n n
Directors.
Walter E. Graveley. F. M. Chaldecott.
J. W. McFarland. A. G. Thynne.
C. H. Macaulay.
Amount deposited with the Government of British Columbia : British Columbia Inscribed
Stock £200; Township of Richmond bonds (par), $5,000.
Authorized capital       $25,000 00
Amount subscribed        9,600 00
Amount paid            3,840 00
Statement for the Year ended December 31st,  1915.
Assets.
«
Cash value (excluding interest and dividends) of stock, shares,  bonds, debentures, etc $       8,157 27
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915     '  1,538 21
Premiums uncollected (net commissions deducted)  1,816  65
Total assets ' $     11,512  13
Liabilities.
Total reserve of unearned premiums, $12,480.66 ; carried out at 80 % thereof. .$       9,984 52
Total amount of liabilities. , $       9,984 52
Capital stock paid up  3,840 00
Total of liabilities and paid-up capital $ 13,824 52
Receipts.
Cash received for premiums     $ 11,313 23
Cash received for interest  334 70
Cash from all other sources  50 10
Total receipts $     11,698 03 6 Geo. 5
British Columbia.
P 69
Expenditure.
Cash paid to agents for commission, salaries, and bonus
ii for interest, discount, and exchange	
statutory assessment and licence fees . ..
salaries, directors' and auditors' fees....
printing, stationery, and advertising....
postage, telegrams, and express	
other expenses	
Total expenses of management	
Amount paid for losses occurring during the year	
Cash paid for debentures, mortgages (not extended), 2,905.65.
Total expenditure.
$
3,960 97
45
137 46
340 00
29 75
8 50
2 00
$
4,479 13
3,747 54
8,226 67
List of Shareholders.
J. W. McFarland ,
H. Bell Irving ....
W. E. Graveley ...
H.   Abbott  	
A. McCreery	
A. F. Beasley	
R. Kerr Houlgate .
S. O. Richards	
H. W. Chamberlain
H. C. Abkroyd ....
D. B. Charleson ...
W. J. Albutt	
H. J. Thorne	
Robt. Martin	
Jonathon Rogers...
A. G. Thynne	
F. M. Caldecott....
G. E. Hope	
C. H. Macaulay ...
Vancouver
No. of
Shares.
10
1
7
3
1
5
I
1
5
2
1
2
30
5
2
5
96
Amount
subscribed.
SI,000
500
500
500
100
700
300
100
500
100
100
500
200
100
200
3,000
500
200
500
$9,600
Amount
paid.
200
200
200
40
280
120
40
200
40
40
200
80
40
80
1,200
200
80
200
13,840
CANTON INSURANCE OFFICE, LIMITED.
Head Office—Victoria, Hong Kong.
Consulting  Committee.
The Hon. Sir Paul Chafer, C.M.G. The Hon. E. Shellim.
D. W. Craddock, C. S. Gubbay.
F. Maitland. Sir Robert Ho Tung.
H. P. White. The Hon. David Landale.
General Agents.
Messrs. Jardine, Matheson k Co., Limited, Hong Kong.
Authorized capital $2,500,000 00
Amount subscribed    2,500,000 00
Amount paid ,       500,000 00 P 70 Report of the Superintendent of Insurance, 1916
Statement for the Year ended December 31st, 1915.
Assets.
Cash in hand and in transit and on current account and fixed deposits with banks *$1,424,481 30
Gold investments—
British, Indian, and Colonial Government bonds and stocks    1,038,091 94
Foreign Government loans       697,414 57
British,  Colonial, and Foreign railway,  municipal, and port trust bonds
and stocks       977,501 66
Silver investments—
Mortgages, loans, and debentures    1,400,904 55
Other investments       502,080 23
Agency balances       958,777 95
Accounts receivable         78,074 40
Total assets $7,077,326 60
Liabilities.
Capital, 10,000 shares of $250 each = $2,500,000, of which $50 per share has
been paid up - $   500,000 00
Reserve Fund    1,846,956 52
Reinsurance Fund       619,685 89
Investment and Exchange Fluctuation Account       277,517 45
Underwriting Suspense Account.       276,749 05
Uncollected dividends         23,673 00
Accounts payable         96,737 90
Working Account, 1914, as per statement  $975,224 24
Less interim dividend at $18 per share paid on May 11th, 1915 180,000 00
 795,224 24
Working Account, 1915, as per statement    2,640,782 55
Total liabilities $7,077,326 60
Working Account,  1914, on December Slst, 1915.
Net premiums received, less returns and reinsurances $3,047,862 08
Interest       263,035  91
Transfer fees  98 00
$3,310,995 99
Losses and claims paid $1,952,062 75
Charges       115,325 71
Commissions       268,383 29
Balance       975,224 24
$3,310,995 99
Working Account, 1915, on December Slst, 1915.
Net premiums received, less returns and reinsurances $5,013,489 69
Interest       249,673 02
Transfer fees  101 00
$5,263,263 71
Losses and claims paid , $2,112,527 51
Charges       113,501  10
Commissions       396,452 55
Balance    2.640,782 55
$5,263,263 71
Hong Kong currency. 6 Geo. 5 British Columbia. P 71
GUARDIAN CASUALTY & GUARANTY COMPANY.
Head Office—Salt Lake, Utah.
Officers.
W. S. McCornick, President Salt Lake, Utah.
Geo. E. Cutler, Vice-President  n h
Reed Smoot, Vice-President  n u
Thomas W. Sloan, Secretary  n n
L. B. McCornick, Treasurer  n n
Directors.
Frank J. Hagenbarth. W. H. King. Geo. W. Morgan..
J. M. Studebaker. Willard Scowcroft. D. L. Evans.
F. C. Jensen. Duncan MacVichie. W. O. Kay.
H. F. Lemp. P. W. Madsen. Lafayette Halbrook.
Amount deposited with the Government of British Columbia:   Deposit receipt, Union
Bank of Canada, $25,000.
Authorized capital $500,000 00
Amount subscribed    300,000 00
Amount paid    300,000 00
Statement for the Year ended December 31st, 1915.
Assets.
Cash value of real estate, less encumbrances $       3,511 09
Cash value of mortgages, exclusive of interest       338,488 76
Loans, other than those secured by mortgages.  7,802  10
Cash value (excluding interest and dividends) of stock,  shares,  bonds,  debentures, etc         11,887 50
Actual cash on hand at Head Office  2,540 74
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915         326,095 77
Premiums uncollected (net commissions deducted) written subsequent to October
1st, 1915      251,449 96
Premiums uncollected (net commissions deducted) written prior to October 1st,
1915 (not extended), $484.82.
Bills receivable not due (not extended), $205 (since paid).
Interest due or accrued and unpaid      9,421  62
Salvage returnable to Company under bonds (not extended), $3,108.30.
Due from other companies for reinsurance on losses already paid  1,957  27
Total assets $ 953,154 81
Liabilities.
Claims or losses unpaid $ 74,934 94
Special reserve for unpaid liability and workmen's compensation losses  178,524 00
Reserve for unearned premiums  142,423 49
Reserve for taxes     19,134 84
Amount due or accrued for salaries, stationery, printing and advertising, rent,
commission, and brokerage  1,000 00
Amount, of all other liabilities  5,057 55
Total amount of liabilities   $   421,074 82
Capital stock paid up       300,000 00
Total of liabilities and paid-up capital , $   721,074 82
Excess of assets over such total. $   232,079 99 P 72 Report of the Superintendent of Insurance, 1916
Receipts.
Net premiums received in cash $1,003,836 23
Cash received for interest  40,120 62
Cash received for rents  203 85
Cash received for sale of capital stock  50,000 00
Cash received for increase of surplus  25,000 00
Cash from all other sources  24,050 49
Total receipts. , $1,143,211 19
Expenditure.
Cash paid to   agents for commission, salaries, and bonus $ 277,941 32
for law costs  12,539 98
ii investigation and adjustment of claims  2,331 05
n statutory assessment and licence fees  16,922 97
ii  travelling expenses  13,247 13
ii rent and taxes  4,570 95
ii  salaries, directors' and auditors' fees.     48,540 36
ii printing, stationery, and advertising  11,026 43
ii postage, telegrams, and express ,  3,646 57
ii revenue stamps  2,750 64
ii furniture and fixtures  2,168 90
ii  other expenses  16,861 26
Total expenses of management $ 412,547 56
Net amount paid during the year for losses  594,430 90
Cash paid for dividends  30,000 00
Cash paid for other expenditure  25,035 17
Total expenditure $1,062,013 63
Returns for British Columbia.
Deposit with the Government (deposit receipt, Union Bank of Canada)    $ 25,000 00
Premiums  79,197 28
Losses paid    .'  28,594 53
Liabilities , 15,569 09
LONDON AND PROVINCIAL MARINE AND GENERAL INSURANCE
COMPANY, LTD.
Head Office—London, Eng.
Officers.
Edwin Gray, Chairman.
Frank Silverlock, F.C.I.S., Secretary.
Directors.
Edwin Gray. James Hamilton. Herbert E. Secretan.
James W. Arbuthnot. Richard de Neufville. William M. Strachan.
Authorized capital    £1,000,000
Amount subscribed         1,000,000
Amount paid  100,000 6 Geo. 5                                     British Columbia.                                            P 73
Statement for the Year ended Decemeer 31st, 1915.
Assets.
£        s. d.
By Investments (valued as at December 31st, 1913); investments made since
that date valued at cost     477,984 13 4
Interest accrued         5,982    4 10
Cash on deposit and at bankers       38,753    5 1
Outstanding accounts due at home and abroad       93,599    4 4
Policy stamps ,            278 18 3
£616,598    5 10
Liabilities.
£        s. d
'To Authorized capital, 100,000 shares of £10 each, £1,000,000.
Paid-up capital, 100,000 shares of £10, £1 paid     100,000    0 0
Reserve Fund       50,000    0 0
Sundry creditors       21,164 18 11
Investment reserve ■       25,000    0 0
Underwriting Suspense Account to meet all claims and other liabilities on
1914 and previous years       85,097 13 9
Balance of Underwriting Account, 1915     314,751    1 9
Balance of Profit and Loss Account       20,584 11 5
£616,598    5 10
Profit and Loss Account.
£        s. d.
By Claims on 1914 account .     120,418 19 7
Loss on investments realized          1,260    8 1
Bad debts                1    8 6
Transfer to Reserve Fund       30,000    0 0
Transfer to Investment Reserve ,       25,000    0 0
Transfer to Underwriting Suspense Account       85,000    0 0
Balance       20,584 11 5
£282,265    7 7
£       s. d.
To Balance on December 31st, 1914       36,667    111
Interest       16,304    0 3
Balance of Underwriting Account, 1914     229,294    5 5
£282,265    7 7
Underwriting Account,  1915.
£        s. d.
By Claims to this date     153,000    7 1
Expenses               7,650 17 6
Directors' remuneration and auditors' fee          1,633  10 0
Balance     314,751    1 9
£477,035 16 4
£        s. d
To Premiums (less returns, reinsurances, and agency commissions)    477,035 16 4
£477,035 16 4 P 74 Report of the Superintendent of Insurance, 191 &
MARITIME INSURANCE COMPANY, LIMITED.
Head Office—Liverpool, Eng.
Officers.
E. H. Cookson, Chairman. Harold Sumner, Manager.
J. F. Caroe, Deputy Chairman. J. C. Nicholson, Secretary.
Directors.
E. H. Cookson. J. A. Cook. Jasper M. Wood.
J. F. Caroe. Wm. C. Aikman.
Authorized capital    £1,000,000
Amount subscribed  500,000
Amount paid 100,000
StateoMent for the Year ended DeceoMber 31st, 1915.
Assets. £        s. d
By Investments and loans *  676,534 19 6
Sundry debtors '  115,582 17 4
Interest and dividends accrued,  but not payable until after  December
31st, 1915     1,963    3 2
Cash on deposit, in hand, and on current account  86,642     1 5
Total assets £880,723 1 5
Liabilities. £ s. d.
To Shareholders' capital paid up  100,000 0 0
General Reserve Fund £180,000    0    0
Amount transferred from Profit and Loss Account       20,000    0    0
  200,000 0 0
Underwriting Fund  493,397 15 1
Profit and Loss Account  72,275 6 1
Sundry creditors  15,050 0 3
Total liabilities £880,723 1 5
Profit and Loss Account.
£ s. d.
By Dividend paid to shareholders, February 23rd, 1915. . . .£   17,500    0    4
Less income-tax  1,344    9    4
 16,155 10 8
Interim dividend paid July 1st, 1915 £    7,500    0    0
Less income-tax  771  17    6
 6,728 2 6
Income-tax         2,398 8 ■  4
Balances irrecoverable              76 9 9
Amount written off for depreciation of investments       26,000 0 0
Transferred to General Beserve Fund       20,000 0 0
Balance at December 31st, 1915, subject to excess profit duty (if any)...      72,275 6 1
£143,633 17 4
£ s. d.
To Balance, January 1st, 1915       69,289 15 11
Interest and dividends £ 28,134 10    7
Less income-tax         3,213 12    3
 24,920 18 4
Transferred from Underwriting Account       49,423 3 1
£143,633 17 4 6 Geo. 5 British Columbia. P 75
Underwriting Account.
£ s. d.
By Claims paid after deducting reinsurance recoveries—
1914 and previous years' accounts       98,071 18 3
1915 account     203,538 17 3
£301,610 15 6
Expenses of management       31,703    8 11
Transferred to Profit and Loss Account ,       49,423    3 1
Underwriting Fund at December 31st, 1915—
Balance of 1915 premiums in hand £368,629    4    9
Provision for unsettled claims     124,768 10    4
 493,397 15 11
£876,135    2 7
£ s. d
To Underwriting Fund at January 1st, 1915     314,505    5 4
Premiums after deducting returns and reinsurance premiums     561,629 17 3-
£876,135    2 7
THE NATIONAL PLATE GLASS INSURANCE COMPANY.
Head Office—Winnipeg, Man.
Officers.
I. Pitblado, President Winnipeg, Man.
E. Cass, Vice-President..  u u
W. E. Lough,  Secretary-Treasurer  n u
Directors.
I. Pitblado. J. McDiarmid. W. E. Lough.
E. Cass. R. A. Mather. R. W. Patterson.
Amount deposited  with the Government of British   Columbia :     City of Salmon Arm
bonds, $5,000; City of Nelson bonds, $300; City of Alberni bonds, $210; total (par), $5,510.
Authorized capital    $30,000 00
Amount subscribed      15,000 00
Amount paid        5,430 00
Statement for the Year ended December 31st, 1915.
Assets.
Cash value of real estate, less encumbrances % 416 18
Cash value of mortgages, exclusive of interest  3,550 00
Cash value of stocks, shares, bonds, debentures, etc  8,167 36
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915 (in chartered banks)  25 64
Agents' balances and premiums uncollected  943 57
Interest due or accrued and unpaid  297 52
Amount of all other assets  81 25
Total assets %     13,481 52 P 76
Report of the Superintendent of Insurance,
1916
Liabilities.
Amount of unpaid loans  . , $ 1,050 00
Total reserve of unearned premiums for all outstanding risks  2,282 35
Amount of all other liabilities  1,377  33
Total amount of liabilities.
Capital stock paid up	
Total of liabilities and paid-up capital. . . .
Excess of assets over such total	
Receipts.
Net premiums received in cash.
Cash received for interest	
Total cash receipts.
Expenditure.
Cash paid to agents for commission, salaries, and bonus.
for interest, discount, and exchange	
ii  statutory assessment and licence fees. . . .
ii rent and tatxes	
ii  salaries, directors' and auditors' fees	
ii printing, stationery, and advertising	
ii postage, telegrams, and express	
Total expenses of management.
Net amount paid for losses or claims
Cash paid for repayment of loans	
Total expenditure.
Deposit with Government, British Columbia municipal securities (par).
Other assets (accrued interest)	
Liabilities (unearned premium, estimated)	
Premiums ,	
Losses paid	
Returns for British Columbia.
4,709 68
5,430 00
10,139 68
3,341 84
4,199 83
719 70
4,919 53
%
675 50
108 40
281 31
60 00
655 00
9 75
17 90
%
1,807 86
2,300 47
850 00
%
4,958 33
$
5,510 00
100 04
500 00
308 53
653 57
THE OCEAN MARINE INSURANCE COMPANY, LIMITED.
Head Office—London, Eng.
Officers.
Alexander Henry Campbell, Chairman.
Henry Wheler Maynard, Deputy Chairman.
H. T. Russell Ross, Secretary.
Alexander Henry Campbell.
Henry Wheler Maynard.
Herbert Robinson Arbuthnot.
John Henry Brodie.
Directors.
James Blyth Currie.
Philipp Moritz Deneke.
Ellis Gilman.
Maurice Buffer.
Philip Secretan.
David Nairn Shaw. 6 Geo. 5 British Columbia. P 77
Authorized capital    £1,000,000
Amount subscribed       1,000,000
Amount paid       100,000
Statement for the Year ended December 31st, 1915.
Investments—                                                                                                                     £        s. d.
British Government securities     115,225    0    O
Municipal and county securities, United Kingdom       16,934    0 0
Indian and Colonial Government securities          81,132    0 0
Foreign Government securities       84,248    9 6
Colonial municipal securities       27,221     5 0
Foreign municipal securities       85,031     6 4
Guaranteed and other Indian railway stock       29,344    7 6
Indian Government railway annuities       10,187  10 0
Railway and other debentures and debenture stocks, home and foreign..    203,862    1 8
Railway preference and guaranteed stocks ,         8,449    3 1
Railway ordinary stocks       13,677  18 0
Note.—This figure is covered at the prices of December 31st, 1915 . . . .£675,313    1 1
Freehold premises     122,946    2 8.
£798,259    3 9
Agents' balances       68,191  14 0
Outstanding premiums       57,229  12 11
Bills receivable             208  11 3
Interest accrued but not yet payable         8,835    0 0
Policy stamps on hand            313    7 7
Cash—
On deposit       66,028 16 2
In hand and on current account         5,963  13 0
£1,005,029 18 8
Liabilities.
£        s. d.
Capital, 40,000 shares of £25, paid up £2 10s. per share (now vested in the
North British and Mercantile Insurance Company)     100,000    0 0
Marine Fund—
Reserve £500,000    0    0
Profit and Loss       34,587 13 11
 534,587 13 11
Underwriting Reserve       65,052    6 6
Balance of Underwriting Account, 1915. .. •     234,656    6 8
Sundry creditors ,       70,733  11 7
£1,005,029 18 8
Underwriting Account, 191/j..
£        s. d.
Balance from 1914 Underwriting Account     168,775    1 5
£        s. d.
Net claims under policies and returns for 1914 paid in 1915       80,209 12 9
Transfer to Underwriting Reserve for balance of 1914 claims       30,971    0 0
Profit on 1914 Underwriting Account carried to Profit and Loss       57,594    8 8
£168,775    1    5 P 78 Report of the Superintendent of Insurance, 1916
Underwriting Account, 1915.
£ s. d.
Net premiums for 1915    429,668 13 10
£ s. d.
Net claims under policies for 1915     173,324    1 1
Directors' remuneration    £ 3,185    8  10
Office salaries and retiring allowances       11,457  15  11
General office charges         3,412    3     1
Subscriptions to Lloyd's Registers, etc  643    4    0
Taxes,  etc         1,054    2    0
Rent of Company's office         1,935 12    3
 21,688    6 1
Balance of 1915 Underwriting Account carried forward     234,656    6 8
£429,668 13 10
Profit and Loss Account, 1915.
£ s. d.
Balance brought forward          24,318    1 7
Profit on 1914 Underwriting Account    57,594    8 8
Interest and rent received and accrued     28,733    2 5
£110,645 12 8
£ s. d.
Dividends declared on account of 1915, less tax     18,214    7 9
Income-tax       6,034    7 0
Depreciation in value of securities     50,000    0 ■ 0
Loss on securities realized          1,809    4 0
Balance carried to balance-sheet     34,587 13 11
£110,645 12 8
QUEENSLAND INSURANCE COMPANY, LIMITED.
Head Office—Sydney,  Australia.
Officers.
Col. the Hon. James Burns, M.L.C., Chairman.
A. Mc Vernon, General Manager.
C. Hawkes, Assistant Manager and Branch Inspector.
H. W. Horn, Secretary.
Directors.
Col. the Hon. James Burns, M.L.C. A. R. Troup.
Adam Forsyth. Hon. Thomas Waddell, M.L.A.
John MacPherson.
Authorized capital £500,000
Amount subscribed 150,000
Amount paid up 150,000 ■6 Geo. 5 British Columbia. P 79
Statement for the Year ended September 30th,  1915.
Assets.
By Government securities : British War Loan; N.S. Wales
Government  Funded Stock;   N.S.   Wales Government
Treasury Bills ; New Zealand Government Debentures ;
Queensland Government Savings Bank Stock ; Queensland Government Treasury Bills ; Queensland. Government Debentures; South Australian Government Inscribed Stock; Western Australian Government Inscribed
Stock ; Victorian Government Deposit; Commonwealth
of Australia War Loan ; South Australia State Govern-        £ s.    d.
ment Bonds       93,748    9    6
Fixed deposits with the undermentioned banks, etc : Bank of
North Queensland, Ltd.; Union Bank of Australia, Ltd.;
Royal Bank of Queensland, Ltd. ;   Queensland National
Bank,  Ltd.;   Bank  of  New South  Wales;   Western
Australian Bank; English, Scottish, & Australian Bank,
Ltd.;   London Bank  of   Australia,  Ltd. ;   Commercial
Banking Company of Sydney, Ltd. ; Commercial Bank
of   Australia,   Ltd.;   Australian  Bank of   Commerce,
Ltd. ; National Bank of Tasmania, Ltd. ;   Commercial
Bank of Tasmania,  Ltd. ;   Wellington  Trust, Loan k
Investment Co., Ltd. ; Metropolitan Gas Company. . . .    154,000
By Municipal debentures and deposits       45,315
Freehold properties     110,918
Cash deposits at call       44,750
Cash in hand and at bankers       13,592    6    4 £ s.    d.
 462,323 18    1
0
0
0
0
2
3
0
0
6
4
Sundry debtors         2,998    9    5
Premiums outstanding    ,      11,569  18  10
Reinsurance claims, return premiums, and refunds outstanding         9,484    8    7
Liabilities.
£486,376 14 11
£        s.    d.
"To Authorized capital, 500,000 shares  of £1  each, £500,000.    Subscribed
capital, 150,000 shares of £1 each ."  150,000 0 0
Reserve Fund  100,000 0 0
Unearned premiums  102,844 0 0
Officers' Provident Fund  8,322 8 8
Sundry creditors, amounts owing for reinsurances and claims  57,204 12 3
Branch and agency balances  10,193 0 6
Revenue Account :  57,812 13 6
£486,376 14 11
Revenue Account.
£        s. d
By  Premiums, less reinsurances, returns, and unearned     228,004 12 2
Interest and rents       17,303    9 10
£245,308    2 0
£        s. d.
'To Losses     118,126    0 4
Charges       81,098    9 6
Officers' Provident Fund         2,000    0 0
Balance       44,083 12 2
£245,308    2    0 P 80 Report of the Superintendent of Insurance, 1916-
Revenue Account—Concluded. £        s.    d.
By Balance brought down       44,083 12    2
Balance at September 30th, 1914    , £ 32,479    1    4
Less dividend at 10 per cent, per
annum paid , £   15,000    0    0
Less  bonus  at   21 per  cent,   per
annum         3,750    0    0
. 18,750    0    0
 13,729    1    4
Balance    £57,812  13    6
RELIANCE MARINE INSURANCE COMPANY, LIMITED.
Head Office—Liverpool, Eng.
Officers.
Gilbert W. Fox, Chairman.
J. U. Hodgson, Deputy Chairman.
F. R. Edwards, Secretary.
Directors.
Gilbert W. Fox. George Atherton. R. W. Sharpies.
J. U. Hodgson. Oswald Dobell. Campbell N. Watson.
Authorized capital £ 500,000
Amount subscribed      500,000
Amount paid      100,000
Statement for the Year ended December 31st, 1915.
By   Investments— Assets.
Bonds repayable at fixed dates £265,702  19    2
Other investments     134,526  13  10 £         s. d-
  400,229  13 O
(Market value, December 31st, 1915, £119,652 7s.  ld.)
Policy stamps      68    6 4
Cash at bankers and in hand  14,464    8 3-
Interest accrued but not received       3,377  10 6
Accounts due to the Company for premiums, salvages, etc  65,490  16 3-
Total assets £483,630 14    4
Liabilities.
£ s.    d.
To   Capital, 50,000 shares at £10 per share, £500,000; paid up £2 per share 100,000 0    0
Reserve Fund  150,000 0    O
Investment Reserve Fund  15,000 0    O
Balance of Profit and Loss Account £ 67,314    1    4
Less interim dividend paid July 1st, 1915         7,838 10 10
  59,475 10    6
Balance of Underwriting Account, 1915  117,030 1111
Suspense Account ,  18,,565 15    8
Special Reinsurance Account  13,104 18  11
Accounts due by the Company  10,371 14    5
Dividends unpaid ,  82 2 11
Total liabilities £483,630 14    4 6 Geo. 5 British Columbia. P 81
Profit and Loss Account.
By   Dividend paid to shareholders—
July 1st, 1914 £    8,203    2    6
January 26th,  1915         7,947 18    4        £        s.    d.
  16,151 0 10
Income-tax,  1914  1,857 3 4
Claims, reinsurances, returns, commissions, etc., for 1914  52,614 15 6
Amount carried to Suspense Account to close 1914  15,000 0 0
Subscriptions to War Relief Funds  150 0 0
Loss on investments realized  3,161 12 7
Amount transferred to Investment Reserve Fund  15,000 0 0
Balance carried down ,  67,314 1 4
£171,248 13 7
£        s. d.
To   Balance January 1st, 1915       64,518    2 10
Balance of Underwriting Account, 1914       92,734 18 10
Interest Account, less income-tax thereon ,       13,995 11 11
£171,248 13 7
Underwriting Account.
£ s. d.
By   Claims       41,244 3 0
General expenses, including salaries, rents, subscriptions to underwriters'
rooms, registers of shipping, etc       12,885 16 4
Auditors' remuneration             100 0 0
Directors' remuneration          1,500 0 0
Balance carried down ....     117,030 11 11
£172,760 11    3
£        s.    d.
To   Premiums, less reinsurances, returns, and agency charges, etc     172,752  18    9
Transfer fees  7  12    6
£172,760 11    3
ROYAL PLATE GLASS INSURANCE COMPANY OF CANADA.
Head Office—Vancouver, B.C.
Officers.
Dr. D. H. Wilson, President.
W. H. Malkin, Vice-President.
C. A. Wickens, Secretary and Treasurer.
Directors.
Dr. D. II. Wilson. W. H. Malkin. A. P. Bogardus.
J. P. Nicolls. R. W. Harris. C. A. Wickens.
Amount deposited with the Government of British Columbia :  Deposit receipt of Canadian
Bank of Commerce, $125 ; Dominion War Loan Certificates (par), $5,000.
Authorized capital    $25,000 00
Amount subscribed ,      10,000 00
Amount paid        2,250 00
F P 82
Report of the Superintendent of Insurance,
1916
Statement for the Year ended December 31st,  1915.
Assets.
Cash value of mortgages, exclusive of interest   	
Cash value (excluding interest and dividends) of stock, shares, bonds, deben
tures, etc	
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915	
Premiums uncollected (net commissions deducted) ,	
Agents' balances	
Interest due or accrued	
Total assets       $8,189 08
Liabilities.
Reserve of unearned premiums $2,199.69 ; carried out at 80 %	
Outstanding accounts  	
Amount of all other liabilities	
$       2,250
00
5,000
00
77
63
3
64
739
61
118
20
Total amount of liabilities.
Capital stock paid up	
Total of liabilities and paid-up capital	
Excess of assets over such total	
Earnings.
Premiums	
Interest on mortgages	
Interest on deposit with Provincial Government ....
Expenditure.
Commission	
Losses and breakages	
General expenses	
Legal expenses	
Premium on Trust Company Bond	
Incorporation expense balance written off.
Total expenditure	
$
1,759 75
1-4 28
255 76
$
2,029 79
2,250 00
$
4,279 79
%
%
3,909 29
1,738 30
248 00
98 20
Total earnings -.%       2,084 50
$           522
54
658
87
82
46
21
50
15
00
100
00
$       1,400
37
List of Shareholders.
Name.
Residence.
No. of
Shares.
Amount
subscribed.
Amount
paid.
D. H. Wilson	
R. W. Harris	
Vancouver
it
27
14
14
14
10
8
8
5
$2,700
1,400
1,400
1,400
1,000
800
800
500
$607 50
315 00
315 00
W. H. Malkin	
F-K-Begg	
315 00
225 00
180 00
P. G. Mason	
180 00
J. P. Nicolls	
112 50
100
$10,000
$2,250 00 6 Geo. 5 British Columbia. P 83
UNION PACIFIC LIFE INSURANCE COMPANY*
Head Office—Vancouver, Wash.
Officers.
Morton Gregory, President " , Tacoma, Wash.
A. E. Braden, Secretary Portland Ore.
W. H. Pringle, Treasurer Tacoma, Wash.
Directors.
Morton Gregory. C. H. Feldman. W. H. Pringle.
A. E. Braden. F. H. WTiencken. Marvin Evans.
U. E. Harmon. J. Woer. E. F. Wright.
S. A. Madge.
Amount deposited with the Government of British Columbia :    City of  Alberni Waterworks Purchase Bonds (par), $22,200.
Authorized capital    $200,000 00
Amount subscribed      200,000 00
Amount paid -      200,000 00
Statejuent for the Year ended December 31st, 1915.
Assets.
Cash value of real estate, less encumbrances $        1,700 00
Cash value of mortgages, exclusive of interest       311,477  25
Loans, other than those secured by mortgages  31,222 74
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc           24,052 61
Actual cash on hand at Head Office  285 01
Cash on deposit to the Company's credit and not drawn against on December
31st, 1915 '        31,094 13
Agents' balances (not extended), $10,815.83.
Interest due or accrued and unpaid  11,467 93
Net uncollected and deferred premiums  7,678  68
Suspense (not extended), $1,424.69.
Premium notes  1,920 97
Office furniture (not extended), $2,000.
Stationery and printed matter (not extended), $500.
Total assets $   420,899  32
Liabilities.
Net reserve for life insurance contracts in force $ 166,151   78
Premium paid in advance  179 08
Other reserves  7,474 37
Coupons left on deposit to accumulate at interest  7,976 32
Interest due or accrued  921  68
Amount due or accrued for salaries, taxes, commission, and legal expenses .... 1,578 87
Amounts provisionally calculated, held awaiting apportionment upon deferred
dividend policies  9,334 53
Liabilities of Accident and Health Department  9,148 47
Advance payments by stockholders , 382 28
Total amount of liabilities $   203,147 38
*Name changed, August, 1915, from "First National Life Assurance Societ}' of America." P 84
Report of the Superintendent of Insurance,
1916
Liabilities—Concluded.
Brought forward
Capital stock paid up.
203,147 38
200,000 00
Total of liabilities and paid-up capital $   403,147  38
Excess of assets over such total $ 17,751  94
Receipts.
Net premiums received in cash $ 137,917 86
Cash received for interest , . ,  19,804 65
Income from all other sources  6,501  93
Total receipts ...,..$   164,224 44
Cash
Expenditure.
paid to agents for commission, salaries, and bonus	
for law costs	
office expense . ,	
investigation and adjustment of claims	
agents' balances charged off	
Insurance Department licences and fees	
travelling expenses	
rent and taxes	
salaries, directors' and auditors' fees	
printing, stationery, and advertising	
postage, telegrams, and express	
medical examinations, $2,539.00; inspection of risks, $599.75.
other expenses	
Total expenses of management    ....
Claims and disbursements (Accident Department)    	
Amount paid policyholders during the year (Life Department)
15,254 22
2,059 80
652 65
110 36
280 36
914 85
6,764 79
3,459 54
26,805 23
2,631
1,105
3,138 75
2,225 04
65,403 09
47,351 17
32,242 15
69
81
Total expenditure %   144,996 41
Returns for British Columbia.
Deposit with Government, British Columbia municipal securities (par)
Premiums	
Claims paid ,	
Claims in process of adjustment	
22,200 00
16,665 58
6,583 -65
647 50 6 Geo. 5 British Columbia. P 85
THE YANG-TSZE INSURANCE ASSOCIATION, LIMITED.
Head Office—Shanghai, China.
Officers.
John Prentice, Chairman.
C. W. Wrightson, Deputy Chairman.
W. S. Jackson, Secretary.
Directors.
John Prentice. A. W. Burkill.
C. W. Wrightson. W. B. Sutherland.
B. A. Clarke.
Authorized capital $ 1,200,000*
Amount subscribed      1,200,000
Amount paid         720,000
Statement for the Year ended December 31st, 1915.
Assets.
Midland Railway Co. Consolidated 2\ % Perpetual Preference Stock, £4,559 14s. $ *49,454 16
Great Northern Railway Co.   Consolidated 4 % Perpetual Preference Stock,
£1,395     '  15,130 07
London and North Western Railway  Co. Consolidated 4 % Preference Stock,
£2,350  25,487 93
Great Western Railway Co. 4 % Debenture Stock, £1,200  13,015 11
Great Western Railway Co. 4^ % Debenture Stock, £2,062  10s  22,369 73
India 31 % Stock, 1931, £1,484 7s. 9d  16,099 56
British Government 4| % War Loan, £14,587 10s  158,214 95
Mortgages and Loans"  1,364,213 04
Chinese Imperial Government " E " Loan of 1886  8,219 18
Japanese Imperial Government New 4 % Loan  95,675  68
Cash deposit with Japanese Government  8,383 56
City of New York 4J % Corporate Stock  205,651 04
City of New York 4 % Corporate Stock  255,869 82
Northern Pacific, Great Northern, and Chicago, Burlington, k Quincy Railroad
Joint 4 % Bonds  55,981  36
Southern Railway First Consolidated Mortgage 5 % Bonds  58,769  70
Baltimore and Ohio Railway 4J % Equipment Bonds     57,196  78
Anglo-French 5 % Bonds  108,101  92
Cash at bankers, on fixed deposit, and current account  1,632,465 04
Property  274,439 98
Shanghai Land Investment Co., Ltd., debentures  210,237 67
Shanghai municipal debentures  100,041  10
Shanghai Waterworks Co., Ltd., debentures , 32,979  45
Shanghai k Hongkew Wharf Co., Ltd., debentures  9,876 71
Investments in stocks and shares  450,699 65
Policy stamps at agencies      1,263 67
Head Office and agencies, furniture  5,5/9 15
Due by agencies, premiums in course of collection, and sundry outstandings .. .. 632,606 77
$5,868,022 78
*Hong Kong currency. Liabilities.
Capital, 12,000 shares of $100 each, upon which the sum of $60 per share has
been called and fully paid up $   720,000 00
Reserve Fund    1,000,000 00
Reinsurance Reserve Fund       730,982 86
Building Reserve Fund         80,000 00
Exchange and Investment Fluctuation Account       120,837 85
Working Account, 1915    2,206,320 66
Working Account, 1914 and former years    1,003,549 06
Uncollected dividends           6,332 35
$5,868,022 78
Working Account for  Twelve Months ended December Slst, 1915.
By Claims paid, less reinsurances, etc $1,306,627 04
Commissions and charges at Head Office, branches, and agencies       308,738 15
Directors', committees', and auditors' fees            6,720 15
Balance    2,206,320 66
$3,828,406 00
To Net premiums, less reinsurances, etc.... , $3,604,135 88
Interest and rents ,       224,196 12
Transfer fees                74 00
$3,828,406 00
Working Account, 1914 and Former  Tears.
By Net claims, reinsurance premiums, and premiums returned, etc., account 1914 $ 542,574 12
Special dividend, 1914 account, $3 per share on 12,000 shares  36,000 00
Amount transferred to Reinsurance Reserve  Fund  100,000 00
Amount transferred to Building Reserve Fund  10,000 00
Loss on securities realized  1,091 08
Dividend, former years account, $15 per share on 12,000  shares  180,000  00
Bonus to Secretary and staff  14,933  38
Net claims and all payments account former years  2,892  37
Balance ".  1,003,549 06
$1,891,040 01
To Balance of Working Account, 1914, from last account $1,503,005 64
Balance of Working Account, former years, from last account       388,034 37
$1,891,040 01 6 Geo. 5
British Columbia.
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NET FIRE INSURANCE PREMIUMS AND NET LOSSES, 1915
Name of Company.
The Acadia Fire Insurance Co    	
Aetna Insurance Co '.	
Agricultural Insurance Co	
Alliance Assurance Co	
Alliance Insurance Co. of Philadelphia	
American Central Insurance Co	
American Insurance Co	
Anglo-American Fire Insurance Co	
Arizona Fire Insurance Co	
Atlas Assurance Co., Ltd	
Beaver Fire Insurance Co	
Boston Insurance Co	
British American Assurance Co	
British Colonial Fire Insurance Co  	
British Crown Assurance Corporation, Ltd	
British Dominions General Insurance Co., Ltd	
British North Western Insurance Co 	
Caledonian Insurance Co	
California Insurance Co    .
Canada National Fire Insurance Co	
Canadian Fire Insurance Co	
Century Insurance Co., Ltd	
Citizens Insurance Co. of Missouri	
Commercial Union Assurance Co., Ltd	
Commercial Union Fire Insurance Co. of New York	
Connecticut Fire Insurance Co	
Continental Insurance Co	
Detroit Fire & Marine Insurance Co	
Dominion Fire Insurance Co   	
Dominion of Canada Guarantee & Accident Insurance Co..
Employers Liability Assurance Corporation, Ltd	
Equitable Fire & Marine Insurance Co	
Factories Insurance Co ,
Fidelity-Phenix Fire Insurance Co	
Fire Association of Philadelphia	
Fireman's Fund Insurance Co	
Firemen's Insurance Co. of Newark	
Franklin Fire Insurance Co. of Philadelphia	
General Accident Fire & Life Insurance Co	
General Fire Assurance Co. (Paris)	
German Alliance Insurance Co	
German American Insurance Co	
Germania Fire Insurance Co	
Glens Falls Insurance Co  	
Globe & Rutgers Fire Insurance Co  	
Guardian Assurance Co., Ltd	
Hartford Fire Insurance Co	
Home Insurance Company	
Hudson Bay Insurance Co	
Imperial Underwriters Corporation	
Indiana Lumbermen's .Mutual Insurance Co	
Insurance Co. of North America	
Insurance Co. of State of Pennsylvania	
Law Union & Rock Insurance Co	
Liverpool & London & Globe Insurance Co	
Liverpool-Manitoba Assurance Co	
London Assurance Corporation    	
London & Lancashire Fire Insurance Co	
London Guarantee & Accident Co., Ltd	
London Mutual Fire Insurance Co	
Marine Insurance Co., Ltd	
Mechanics at Traders Insurance Co	
Mercantile Fire Insurance Co	
Michigan Commercial Insurance Co	
Michigan Fire & Marine Insurance Co	
Minneapolis Fire & Marine Insurance Co	
Montreal Canada Fire Insurance Co	
Mount Royal Assurance Co	
National Ben Franklin Insurance Co	
National Benefit Life & Property Assurance Co., Ltd	
National Fire Insurance Co. of Hartford	
Nationale Fire Insurance Co (Paris)    	
National Union Fire Insurance Co	
Newark Fire Insurance Co	
New Jersey Fire Insurance Co.	
New Zealand Insurance Co., Ltd	
Niagara Fire Insurance Co	
Northern Assurance Co	
North British & Mercantile Insurance Co	
North Empire Fire Insurance Co...	
North West Fire Insurance Co        .. i	
Northwestern Mutual Fire Insurance Co	
Northwestern National Insurance Co	
Norwich Union Fire Insurance Society, Ltd	
Carried forward.
Net Premiums.
Net Amount of
Losses incurred.
Net Amount of
Losses paid.
8 10,307 66
§    57 06
$           57 06
53,030 99
11,004 84
7,417 48
8,269 91
3,307 55
3,376 12
21,777 26
14,850 85
15,488 10
13,238 60
7,903 76
8,602 76
5,639 57
3,984 32
3,541 06
15,031 61
4,308 23
9,559 87
19,147 75
5,889 36
6,079 24
3.S12 78
619 48
619 48
24,372 48
12,223 48
12,223 48
4,674 06
108 74
1 24
16,291 93
9,461 81
6,774 82
54,433 53
12,282 00
8,204 54
9,859 99
1,699 96
4,203 93
9,882 52
8,816 03
17,532 92
10,634 55
2,875 80
2,875 80
5,298 58
1,160 26
2,905 85
50,635 63
24,774 62
23,442 62
20,686 92
9,505 04
11,371 39
39,035 35
5,694 09
7,488 80
19,543 24
11,462 60
14,306 65
7,004 07
6 61
6 61
3,468 07
3,588 88
3,830 38
111,928 14
23,921 48
26,059 82
6,338 42
1,199 23
1,206 44
31,799 53
19,793 61
25,347 00
23,481 53
2,365 04
2,406 11
5,917 67
406 09
699 10
9,037 57
7,547 01
7,547 01
171 73
Nil
Nil.
28,869 10
13,863 58
21,180 85
4,156 89
1,347 65
1,347 65
15,033 79
6,745 16
14,964 96
62,837 32
9,866 27
13,873 75
9,760 31
2,129 14
2,137 89
30,521 78
8,592 50
9,252 50
8,975 41
6,152 54
6,738 63
8,207 02
3,182 28
1,189 50
23,696 01
4,036 47
6,547 79
8,887 13
2,249 40
747 56
1,783 23
1,819 06
1,249 06
19,074 80
12,329 23
9,367 23
1,938 40
2,679 68
3,105 53
33,301 93
16,231 93
13,694 93
31,002 35
18,465 90
18,438 59
70,966 86
23,978 75
31,455 30
95,221 42
'42,848 93
38,954 36
71,999 27
16,630 93
31,795 82
21,805 19
20,940 28
23,299 36
33,210 56
7,767 51
13,722 92
854 01
Nil.
Nil.
33,931 14
16,072 87
16,817 22
27,231 88
12,463 24
20,977 28
15,958 21
4,263 74
8,159 78
156,490 33
32,140 86
35,479 45
34,416 73
22,162 60
21,080 98
58,666 79
13,069 85
14,518 85
98,895 69
31,434 82
24,099 82
Nil.
Nil.
Nil.
41,922 63
12,148 88
13,177 44
4,226 51
645 00
645 00
4,289 65
180 15
17 15
25,832 81
15,875 61
15,745 61
12,944 53
3,490 77
8,071 86
4,299 19
2,174 68
2,410 26
9,540 44
1,118 31
1,099 02
7,714 24
1,814 32
2,172 65
39,621 34
16,694 28
16,686 23
9,268 01
9,668 83
14,403 31
14,619 58
3,381 38
27,177 05
65,925 71
9,001 75
19,588 62 .
23,008 9'9
15,581 85
10,106 14
17,463 10
5,497 21
5,744 18
11,823 43
9,115 94
9,396 39
4,628 22
6,631 35
13,170 34
25,982 39
17,021 38
19,388 79
40,069 07
15,303 03
13,569 23
63,115 47
18,934 67
18,934 67
59,906 24
39,329 05
38,459 05
18,046 00
18,573 25
18,119 61
11,557 25
1,575 33
1,575 33
8,972 04
2,167 45
2,194 90
5,146 14
626 30
629 99
64,501 67
$2,206,919 84
8,554 26
9,823 87
$ 799,337 92
* 918,679 89 6 Geo. 5
British Columbia.
P 101
Fire Insurance Premiums and Losses.—Concluded.
Name of Company.
Brought forward	
Ocean Accident & Guarantee Corporation, Ltd.
Occidental Fire Insurance Co	
Pacific Coast Fire Insurance Co	
Pacific Fire Insurance Co..      .
Pacific States Fire Insurance Co	
Palatine Insurance Co., Ltd.	
Phenix Fire Insurance Co. (Paris)	
Phoenix Assurance Co., Ltd	
PhiEnix Insurance Co. (Hartford)	
Providence Washington Insurance Co	
Quebec lire Assurance Co	
Queen Insurance Co. of America	
Reliance Insurance Co. of Philadelphia	
Rhode Island Insurance Co	
Royal Exchange Assurance.	
Royal Insurance Co., Ltd	
St. Paul Fire & Marine Insurance Co	
Scottish Union & National Insurance Co	
Spring-field Fire & Marine Insurance Co	
Stuyvesant Insurance Co	
Sun Insurance Office	
Svea Fire & Life Insurance Co., Ltd	
Union Assurance Society, Ltd	
Union Fire Insurance Co. (Paris)	
Union Marine Insurance Co., Ltd	
Vulcan Fire Insurance Co. (Oakland)	
Western Assurance Co	
Westchester Fire Insurance Co	
Yorkshire Insurance Co., Ltd	
West of Scotland Insurance Office, Ltd	
Yorkshire Insurance Co., Ltd	
Totals	
Net premiums.
2,580 15
3,939 63
32,032 66
19,055 14
2,484 54
27,086 05
2,956 92
249,768 87
37,058 61
14,911 44
22,930 23
69,388 54
7,913 55
3,341 99
38,540 45
93,740 14
13,308 56
43,953 09
37,785 83
36,671 06
41,148 72
10,616 91
44,224 62
15,067 35
4,235 60
2,490 71
46,213 58
21,368 96
27,084 27
1,344 66
27,084 87
$3,180,168 66
Net Amount of
Losses incurred.
799,337 92
25 00
4,386 07
13,160 82
9,850 67
689 71
3,192 91
8 96
80,814 S4
17,576 81
10,044 33
7,001 10
16,187 94
850 47
2,582 80
8,020 40
34,983 62
4,541 33
17,117 48
29,346 74
23,971 76
11,846 09
7,419 85
19,372 56
6,636 55
4,017 60
948 93
13,793 43
16,424 52
9,010 70
3,772 60
9,010 70
$1,176,835 11
Net Amount of
Losses paid.
S   918,679 89
25 00
4,386 07
13,324 20
10,738 S2
1,377 71
2,974 81
8 96
58,937 14
18,100 05
10,029 33
6,670 10
20,860 58
2,399 53
1,582 67
8,019 07
35,568 17
4,855 83
22,769 06
41,839 45
18,952 46
11,846 69
7,608 39
19,319 27
6,550 94
5,392 61
1,005 30
25,548 70
22,988 68
9,010 70
2,389 05
9,010 70
$1,313,759 23*
♦At page 7, line 2, for "$1,311,370.18" read
'$1,313,759.23" (correction received after first portion of report was printed).
Summary.
Year.
Net Premiums.
Net Amount of
Losses incurred.
Net Amount of
Losses paid.
1912 ,...   	
$   3,535,653 32
3,790,094 12
3,592,878 30
3,180,168 66
f   1,084,890 57
1,149,144 94«
1,696,780 49
1,176,835 11
$   1,065,489 36
1913	
1,043,254 41
1914	
1,542,845 20
1915	
1,313,759 23
* Approximate.  102
NET PREMIUMS AND LOSSES, 1915.    MISCELLANEOUS
BUSINESS.
Name of Company.
Accident.
Sickness.
Employer'!
i Liability.
Automobile.
Burglary.
Guarantee.
Plate Glass.
Marine.
Live Stock, Steam-boiler,
Sprinkler Leakage, Inland
Transportation, and
Physician's Defence (Indicated by Initial Letters).
Total
Premiums.
Total
Losses.
Unsettled
Claims.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
1.
2.
s.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
28.
24.
25.
26.
27.
28.
29.
30.
31.
82.
33.
34.
35.
36.
37.
38.
39.
40.
41.
42.
43.
44.
45.
46.
47.
48.
49.
50.
51.
52.
53.
54.
55.
56.
57.
58.
59.
60.
61.
62.
$ 2,119 24
$ 3,482 51
$ 26,521 76
5,067 36
$19,799 91
Nil.
$ 28,641 00
5,067 36
2,099 62
9,794 07
1,922 49
8,582 26
3,850 01
63,133 39
4,234 71
4,340 93
44,450 61
36,999 55
3,074 83
66,912 82
3,181 38
14,407 24
9,281 09
391 80
35,063 36
258 00
15,336 07
79,197 28
241 72
12,343 86
11,161 13
10,901 54
3,826 89
7,622 99
47,686 12
16,218 81
1,206 32
1,203 50
1,587 80
245 78
I    9,672 80
2,600 18
308 53
1,279 14
3,498 98
1,049 97
1,106 15
4,340 34
5,077 40
42,701 52
1,144 73
6,797 00
3,294 90
$ 23,282 42
Nil.
NU.
5,142 23
Nil.
3,697 54
11,411 00
36,654 19
900 76
1,121 11
16,500 26
9,067 54
2,247 63
42,613 87
797 54
19,114 28
6,739 56
350 00
15,292 18
NU.
10,310 32
28,594 53
Nil.
5,498 45
5,684 86
4,138 23
1,135'02
2,101 93
21,208 72
4,224 86
NU.
440 13
142 50
Nil.
5,655 34
891 45
653 57
397 55
251 91
6 35
425 32
3,565 56
3,160 93
28,093 02
34 00
2.20S 70
1,639 95
$    9,290 00
NU.
Nil.
NU.
NU.
Nil.
NU.
39,294 10
340 00
NU.
5,500 00
1,050 00
NU.
16,382 00
Nil.
4,726 46
10,294 50
100 00
5,245 00
mi.
7,042 77
5,224 00
mi.
NU.
4,084 65
2,842 60
Nil.
Nil.
9,072 68
3,031 00
Nil.
97 00
NU.
Nil.
2,336 75
349 26
NU.
NU.
6,924 43
Nil.
NU.
4,815 00
85 00
2,950 00
Nil.
Nil.
30 00
$2,099 62 S.B.
NU.
9,794 07
1,922 49
5,142 23
NU.
$ 8,582 26
$ 3,697 54
3,850 01
11,411 00
$    4,794 3i
3,199 55
$2,256 82
350 31
$    1,528 50
522 45
$ 1,336 61
293 20
$ 55,442 56
$ 32,562 42
$   10 75
Nil.
$     174 79
NU.
1,182 48
498 34
404 96
257 25
107 75 S.B.
Nil.
Canadian Surety Co	
4,340 93
$ 1,121 11
Nil.
Nil.
510 00
44,450 61
16,500 26
Dominion of Canada Guarantee & Accident Insurance Co	
24,505 22
2,034 88
7,166 56
675 21
7,472 89
820 45
3,793 70
59 64
9,587 27
848 19
393 85
321 71
1,345 20
586 38
948 59
101 42
502 85
29 00
34 48
Nil.
NU.
$     11 00
1,769 35
-9 38
2,184 66
1,108 71
249 45
-452 84
50,115 84
67 00
10 00
32,089 81
Nil.
619 50
7,051 91
428 50
7,492 87
1,151 20
830 80
5,271 77
108 25
12,429 93
mi.
Employers Liability Assurance Corporation, Ltd.	
Fidelity & Casualty Co	
557 62
980 67
517 23
160 67 S.B.
Nil.
6,914 37
6,684 35
917 00
182 80
904 75
6,308 14
6,053 91
391 80 L.S.
$350 00 L.S.
10,011 12
1,900 81
80 00
20 00
7,757 74
499 48
32,613 48
4,750 94
12,775 44
8,305 78
4,222 43
335 15
296 63
258 00
162 12
4,664 50
Nil.
mi.
NU.
Nil.
128 60
554 57
1,845 84
582 79
190 00
13,809 92
13,091 24
39,635 79
9,954 82
13,754 19
108 79
42 00
75 00
Nil.
10 50
265 37
1,104 15
201 72
3,516 59
6,065 17
745 05
Nil.
1,084 14
5,074 81
Home Insurance Co	
40 00 S.L.
NU.
*7,707 61
4,414 31
976 26
NU.
143 50
NU.
5,095 96
510 05
Law, Union & Rock Insurance Co	
642 64
114 28
266 16
Nil.
9,992 74
4,023 95
3,826 89
1,135 02
3,473 84
2,099 78
1,412 37
1,798 31
7,622 99
• 2,l6i 93
London Guarantee & Accident Co., Ltd	
London and Lancashire Guarantee & Accident Co. of Canada	
18,029 52
4,515 55
952 56
1,155 21
27,991 10
2,782 48
16,782 32
430 80
1,662 52
2,349 71
Nil.
156 00
3,590 61
3,294 39
Nil.
NU.
1,478 37
383 07
1,206 32
Nil.
*1,203 50
*440 13
1,587 80
142 50
245 78
Nil.
Merchants Casualty Co	
'794 74
2,600 18
142 85
891 45
456 67
40 00
4,743 55
4,712 31
287 95
5 50
277 74
Nil.
1,746 24
Nil.
1,018 02
329 68
(    45 00P.D.
\  -22 66S.B.
(.   325 55 S.L.
425 00 P. D.
Nil.
NU.
308 53
1,279 14
653 57
397 55
3,498 98
251 91
New York Plate Glass Insurance Co	
1,049 97
6 35
1,106 15
151 21
406 20
1,442 62
425 32
12 11
19 50
810 40
587 33
1.690 61
12,497 64
55 18
332 14
16,278 16
31 00
719 04
4,630 61
Nil.
220 66
3,644 06
3,570 80
2,240 05
23,574 20
3,498 27
2,588 63
7,268 13
22 50
NU.
Ocean Accident & Guarantee Corporation, Ltd	
556 45
92 27
1,144 73
34 00
Protective Association of Canada	
*6,797 00
*2,208 70
3,294 90
1,639 95
+
Railway Passengers Assurance Co	
6,431 03
*410 00
2,613 93
*18 50
1,607 76
1,830 39
13,763 25
6,614 35
2,551 90
355 60
820 90
250 00
715 29
242 92
25,890 13
410 00
5,758 79
10,128 54
1,680 71
6,605 03
537 42
6,459 14
16,665 58
4,635 80
24,491 75
1,607 74
3,888 76
2,125 77
11,907 19
18 50
1,098 60
947 46
658 87
747 33
204 29
5,643 42
. 6,583 65
323 98
18,263 32
1,117 32
4,259 86
1,141 47
25,130 00
NU.
NU.
12 85
NU.
Nil.
NU.
Nil.
647 30
7,643 50
2,750 00
Nil.
487 79
mt
5,758 79
1,098 60
1,912 03
409 89
1,105 03
364 22
3,289 07
48 00
3,822 41
125 35
1,680 71
658 87
3,918 52
747 33
2,664 51
Nil.
22 00 LT.
Nil.
42 50
6,142 54
*16,665 58
Nil.
5,643 42
*6,583 65
494 92
204 29
316 60
NU.
2,109 20
638 16
323 98
27 65
442 36
100 00
2,526 60
Nil.
762 65
75 15
512 57
97 85
9,425 33
6,366 75
11,478 16
11,098 74
1,232 52
497 18
1,607 74
3,888 76
1,117 32
4,259 86
Yorkshire Insurance Co., Ltd	
Totals	
213 50
25 00
171 00
Nil.
$32,374 35
341 47
mi.
143 00
Nil.
324 35
363 15
932 45 L.S.
753 32L.S.
$186 00
$139,878 53
$62,757 28
$68,182 86
$279,013 81
$155,064 44
$57,816 78
$33,149 87
$1,502 74
$39,803 59
$13,324 03
$27,649 79
$11,166 77
$130,282 85
$68,659 51
$4,092 18
$1,528 32
$748,273 13
$378,210 57
$177,778 54
* Includes sickness.          t To be supplied. 6 Geo. 5
British Columbia.
P 103
REPORTS
ON FIRES IN CITY AND DISTRICT
I.    Fires reported.
MUNICIPALITIES,  1915.
Districts Reporting.
Number.
Amount of Loss.
City Municipalities.
5
$    10,245
1
292
6
6,630
1
2,300
5
7
2
7
1
9
5
5
18
20   '
16
22
3
3
1
2
2
3
8
7
1
921
3,975
3,100
3,933
25
10,065
2,905
10,954
4,005
40,772
77,231
14,298
645
565
200
28,400
860
5,097
23,537
1,618
520
Prince George	
Prince Rupert	
1
2
229
11
66
900
1,400
580,709
136
28,865
469
$ 865,093
District Municipalities.
31
7
$    47,888
18,000
■   9
1
6
1
3
4
3
1
2
6
15
4
1
7
3
33
6
20
10,376
650
14,015
2,615
2,620
S.100
4,810
3,500
11,050
21,350
9,915
1,305
2,200
3,305
6,025
59,675
7,872
80,990
Delta	
Kent	
Maple Ridge	
Oak Bay   	
67
3      •
32,648
7,000
7
9,808
Totals	
240
$ 365,717
709
$1,230,810 P 104
Report of the Superintendent of Insurance,
1910
II.    Causes of Fires.
Causes of Fires.
Adjoining.    (See Exposure.)
Ashes against wood	
Ashes in rubbish receptacle    	
Bake-oven insufficiently protected	
Boiler insufficiently protected	
Burning brush	
Burning rublish in furnace	
Bush fire    	
Candle carelessness 	
Candles, children playing with	
Carburettor back-firing	
Cigar or cigarette carelessness.   (See Smokers' carelessness.)
Clothes too near stove	
< oal-gas exploding in range	
Curtain from candle	
Decorations too near stove-pipe  	
Defective chimney	
Defective fireplace	
Defective furnace or furnace-pipe	
Defective lantern 	
Defective smoke-house	
Defective smoke-stack ,	
Defective stove or stove-pipe	
Defective wiring	
Electrical appliances	
Exposure	
Film (moving picture) .  	
Fire-crackers, children with	
Firewood too near stove	
Foul chimney 	
Fumigation	
Furnaoeinsufficiently protected.	
Furnace-pipe insufficiently protected	
Gasolene carelessness <	
Gasolene explosion    	
Gas-pipe leak	
Grease in hood of range	
Grease, paint, tar, or oil on stove igniting... . 	
Hot bearing	
Incendiary	
Incubator	
Lamp carelessness	
Lamp explosion	
Lamp upset	
Lighting fire withcoal-oil	
Match carelessness	
Matches, children playing with	
Matches, mice and	
Oil-stove (not specified)	
Oil-stove explosion	
Oil-stove upset	
Papers from ash-can	
Short circuit	
Smokers' carelessness   	
Sparks from bonfire	
Sparks from burning rubbish    	
Sparks from bush fire.    (See bush fire.)
Sparks from camp fire	
Sparks from charcoal-pot	
Sparks from chimney	
Sparks from fireplace	
Sparks from furnace	
Sparks from mill burner    	
Sparks from smoke-stack ..	
Sparks from stove..	
Sparks from threshing-machine	
Spontaneous combustion.	
Stove insufficiently protected 	
Stove-pipe insufficiently protected	
Stove-pipe chimney	
Stove-pipe hole unprotected	
Tar-tank	
Thawing pipes	
Tramps _    ...
Unknown	
Wood in oven	
Totals	
Number.
Amount of Loss.
15
$         825
1
414
3
700
1
3,000
1
100
2
S.433
7
7,110
3
902
1
15
8
5,705
17
5,678
1
45
2
1,183
1
367
47
42,260
10
1,123
4
9,430
1
1,200
1
5
1
25
12
8,114
12
26,764
8
6.5S4
35
27,408
1
25
1
175
6
1,668
3
85
1
10
3
10,110
8
31,068
10
717
7
6,485
1
10
1
3,189
8
11,692
1
43,000
33
32,689
4
10,260
1
230
8
8,161
2
1,064
4
1,965
7
3,410
6
575
1
950
2
2,150
0
1,805
2
558
1
20
2
253
25
17,811
2
301
1
600
1
7
1
5,600
84
33,245
6
1,912
2
797
2
80
1
150
12
8,998
1
3,000
16
27,672
26
20,544
17
5,258
1
80
1
95
1
160
1
5
3
4,225
180
770,006
1
550
709
?1,230,810
Note.—The above statement refers to losses in city and district municipalities only. 6 Geo. 5
British Columbia.
P 101
III. Classification of Property burned and Causes.
Property.
Apartment-houses  7
Automobiles '.'  11
Bakeries  4
Banks  2
Barns.  12
Barracks  1
Boarding-houses  1
Boats  9
Boat-houses  9
Bridges  2
Carriage-works  1
Cars (railway)  1
Chicken-houses    3
Churches  3
Church halls.,  1
Clubs  1
Dairies  2
Day nursery  1
Dry-kilns ,  2
Dwellings 431
Carried forward 504
Clothes too near stove  1
Match carelessness  1
Smokers' carelessness  1
Sparks from chimney  2
Spontaneous combustion  1
Unknown  1
Carburettor back-firing  6
Defective wiring  1
Gasolene carelessness....;  1
Gasolene explosion  1
Smokers' carelessness   2
Bake-oven insufficient^ protected  1
Defective chimney  2
Unkuown   1
Smokers' carelessness.
Spark from stove	
Bush fire ,  1
Defective lantern  1
Incendiary  2
Smokers' carelessness  1
Spontaneous combustion  1
Unknown _   6
Firewood too near stove .
Stove insufficiently protected  1
Boiler insufficiently protected  1
Carburettor back-firing  2
Gasolene carelessness  1
Gasolene explosion  1
Unknown  4
Exposure  8
Gasolene explosion  1
Unknown  2
Spontaneous combustion  1
Brush fire  1
Incubator  2
Unknown  1
Amount of Loss.
15
12
1,580
44
90
110
Furnace-pipe insufficiently protected.
Unknown 	
Exposure     1
Short circuit     1
Sparks from chimney..
Unknown 	
Furnace-pipe insufficiently protected.
Spontaneous combustion.
Unknown 	
Ashes against wood  10
Burning rubbish in furnace     1
Bush fires     4
Candle carelessness     2
Candles, children with     1
Clothes too near stove  14
Coal-gas exploding in range     1
Curtain from candle     2
Decorations too near stove-pipe     1
Defective chimney  39
Defective fireplace     7
Defective furnace or furnace-pipe     3
Defective stove or stove-pipe     9
Defective wiring     9
Electrical appliances     4
Exposure  20
Fire-crackers, children with     1
Firewood too near stove     5
Foul chimney ,     3
Fumigation          1
Furnace insufficiently protected     1
 211
705
5
35
1,000
43
$    1,821
75
25
300
1,200
5,750
5,500
1,300
5,800
10
1,203
5,600
443
680
100
19,910
110
3,637
$    3,000
5,000
40
10
102,826
       110,876
$    8,000
1,500
 9,500
  63,010
  490
  100
$       260
320
 580
$ 21,000
8,S50
29,850
100
1,213
20
707
8,428
3,000
777
15
5,178
45
1,183
367
29,270
178
8,730
4,535
10,914
2,059
9,480
175
1,558
85
10
2,200
S8.800       §249,981 P 106
Report of the Superintendent of Insurance,
1916
III. Classification of Property burned and Causes.—Continued.
Property.
Brought forward 504
Dwellings—Concluded ,	
Dye-works.  3
Factories (biscuit)  1
Factories (candy)   1
Factories (marble)  1
Factories (shoe)  1
Factories (varnish)  1
Factories (wood-workers*)  8
Fair buildings  1
Fence (wood)  1
Foundries  1
Furniture-vans ,  1
Gaol buildings  2
Garages  9
Gravel-bunkers  1
Greenhouses  1
Hay and grain stacks  1
Hospitals  4
Hotels  13
Carried forward 555
*See also Carriage-works.
 , 211
Furnace-pipe insufficiently protected  4
Gasolene carelessness  2
Gasolene explosion  1
Gas-pipe leak ,    .... 1
Grease on stove  3
Incendiary  21
Incubator    ,  2
Lamp explosion  7
Lamp upset  1
Lighting fire with coal-oil  3
Match carelessness  5
Matches, children with  - 4
Matches, mice and  1
Oil-stove (not specified)  2
Oil-stove explosion  1
Paint on stove igniting  1
Smokers' carelessness  2
Sparks from bonfire  2
Sparks from chimney.  71
Sparks from fireplace     5
Sparks from mill burner  1
Sparks from stove  10
Spontaneous combustion      4
Stove insufficiently protected  19
Stove-pipe chimney  1
Stove-pipe insufficiently protected  17
Tar boiling over on stove  1
Thawing pipes  i
Tramps  2
Unknown  96
Wanning oil on stove      1
Wood in oven  1
Clothes too near stove ,  1
Furnace insufficiently protected  1
Gasolene carelessness  1
Unknown  1
Smokers' carelessness ,  1
Unknown  1
Unknown  1
Lacquer-pot boiling over  1
Defective wiring ,  1
Electrical appliances  1
Hot bearings  1
Sparks from chimney  . 1
Sparks from mill burner  1
Unknown  3
Lighting fire with gasolene  1
Ashes against wood  1
Spark from furnace  1
Smokers' carelessness  1
Sparks from chimney      1
Stove insufficiently protected  1
Gasolene carelessness  3
Gasolene explosion  1
Oil-stove explosion  2
Spontaneous combustion  1
Unknown      2
Short circuit  1
Furnace-pipe insufficiently protected  1
Sparks from threshing-machine  1
Sparks from chimney.  4
Defective fireplace -  2
Grease in hood of range  1
  545
Amount of Loss.
$ 88,800    $249,981
9,244
10
25
10
10,365
19,818
10,000
8,151
14
1,890
3,393
495
950
2,150
120
5
1,105
301
25,911
1,902
70
8,935
3,838
14,184
80
5,258
1,000
5
4,200
183,299
207
550
 406,385
$ 300
25
50
  375
  30,493
  940
  7,500
  50
  100
$  15,000
1,600
43,000
5
10
18,980
 78,595
  75
  5
  117
  16
$ 2
50
 52
§       430
3,343
960
10
2,505
 —- 7,248
  100
700
3,000
3,072
295
3,189
$    3,4S4    $788,804 6 Geo. 5
British Columbia.
P 107
III. Classification of Property burned and Causes.—Continued.
Property.
Causes.
Amount of Loss.
555
    _  .545
$
3,484
99
160
335
9,543
$788,804
Sparks from chimney	
     5
     1
     1
.    4
     3
     1
$
25
5,600
160
150
,     2
     1
     1
     1
     1
9
4,000
700
     ]
Unknown	
     1
     1
3,000
2
2
              .    1
t
60
165
     1
Defective fireplace	
Spontaneous combustion	
     1
     1
     1
$
650
72
1
     1
$
5
20
325
435
     1
845
     3
     1
     1
     1
1
     7
     1
     1
78
$
90
2
15
3
6,072
     6
     1
     3
     1
     1
6,182
$
73
22
20
350
10
95
     3
     1
     1
     1
570
$
25
160
5,000
40
250
230
10
5
25
25
230
12
1
     4
     1
Sheds 	
     3
     1
5,175
     1
Smokers' carelessness	
     1
     1
     3
     1
7,885
     1
t
3,800
680
15,000
6,000
 1
     1
     1
25,480
     1
*
       1
5
9
53
 669
     1
     2
$
260
1,937
75
600
1,605
 1
     1
     4
     1
 1
4,467
$
414
10
125
10,505
700
3,500
60
8,863
150
     1
     1
     1
             2
     3
 629
*
24,327
$869,304 P 108
Repoet of the Superintendent of Insurance,
1916
III. Classification of Property burned and Causes.—Concluded.
Property.
Brought forward.
Stores—Concluded 	
Stores and dwellings and rooms over.... 22
Stores and offices over  3
Storehouses  2
Tailor-shops  1
Tents  1
Theatres (moving pictures)  1
Warehouses  9
Workshop  1
Totals 709
 629
Gasolene explosion  1
Incendiary  1
Match carelessness  1
Oil-stove upset  2
Smokers' carelessness  6
Spontaneous combustion     3
Stove insufficiently protected  2
Unknown     24
Clothes too near stove  1
Defective chimney  2
Exposure  2
Furnace-pipe insufficiently protected  1
Incendiary          2
Lamp upset  1
Oil-stove explosion..   ,  1
Oil-stove upset  2
Smokers' carelessness  1
Sparks from chimney  2
Stove insufficiently protected  2
Unknown  5
Electrical appliances  1
Smokers' carelessness  2
Incendiary  1
Unknown  1
Unknown  1
Spark from camp-fire  1
Film taking fire  1
Sparks from chimney  1
Sparks from stove  1
Spontaneous combustion  1
Unknown  6
Defective stove-pipe  1
 709
Amount of Loss.
S 24,327 $  869,304
172
192
5
188
8,228
862
870
76,988
        111,832
$       185
2,304
715
104
357
1,050
725
370
45
3,966
1,800
46,550
 58,171
$    2,865
125
  2,990
$ 10
1,050
  1,060
  978
  7
  25
$ 75
38
75
186,196
       186,384
  59
91,230,810
Note.—The above statement refers to losses in city and district municipalities only. 6 Geo. 5
British Columbia.
P 109
IV.    Fires by Months,  1915.
City and District Municipalities  only (Table I.).
January.
February..  . .
March	
April	
May	
June	
July   	
August	
September ...
October	
November....
December	
Total;
Number.
Cities.
Districts.
Total
42
22
64
42
14
56
39
IS
57
43
29
72
34
14
4S
44
17
61
29
28
57
52
31
83
35
13
48
26
22
4S
36
18
54
47
14
61
469
240
709
Cities.
S  53,363
126,726
46,707
89,986
26,708
199,277
62,510
51,023
18,866
130,323
23,755
35,849
$865,093
Amount op Loss.
43,879
38,075
19,360
60,402
29,176
20,368
29,502
51,508
13,715
29,727
15,593
14,412
$365,717
Total.
97,242
164,801
66,067
150,388
55,884
219,645
92,012
102,531
32,581
160,050
39,348
50,261
$1,230,810
y.    Fires (reported by Municipalities),  1914 and 1915.
Numbers.
Losses.
'
Cities.
Districts.
Totals.
Cities.
Districts.
Totals.
1914	
535
469
223
240
463
758
709
$1,249,723
865,093
$390,111
365,717
$755,828
$1,639,834
1915	
1,230,810
Totals	
1,004
1,467
$2,114,816
$2,870,644  INDEX.
Annual Statements.
Page.
Agricultural Insurance Co  9
Alliance Insurance Co. of Philadelphia      11
Arizona Fire Insurance Co  13
Boston Insurance Co  15
British Columbia Plate Glass Insurance Co      68
British Crown Assurance Corporation, Ltd  17
Canton Insurance Office, Ltd  69
Century Insurance Co., Ltd      18
Citizens Insurance Co. of Missouri  23
Commercial Union Fire Insurance Co. of New York  25
Detroit Fire & Marine Insurance Co  27
Fire Association of Philadelphia  29
Franklin Fire Insurance Co. of Philadelphia      31
German Alliance Insurance Co          33
Guardian Casualty & Guaranty Co. (of Utah)  71
Indiana Lumbermen's Mutual Insurance Co., Ltd ,  34
London & Provincial Marine & General Insurance Co., Ltd  72
Maritime Insurance Co., Ltd  74
Mechanics & Traders Insurance Co  35
Michigan Commercial Insurance Co  36
Michigan Fire & Marine Insurance Co      38
Minneapolis Fire & Marine Insurance Co      40
National Benefit Life & Property Assurance Co., Ltd  42
National Plate Glass Insurance Co., Ltd  75
Newark Fire Insurance Co  46
New Jersey Fire Insurance Co      48
New Zealand Insurance Co., Ltd  50
Northwestern Mutual Fire Association  51
Ocean Marine Insurance Co., Ltd       76
Pacific Fire Insurance Co ;  53
Pacific States Fire Insurance Co  55
Queensland Insurance Co., Ltd  78
Reliance Insurance Co. of Philadelphia  57
Reliance Marine Insurance Co          80
Rhode Island Insurance Co  59
Royal Plate Glass Insurance Co. of Canada  81
Stuyvesant Insurance Co  61
Svea Fire & Life Insurance Co., Ltd  62
Union Marine Insurance Co., Ltd  64
Union Pacific Life Insurance Co     , S3
Vulcan Fire Insurance Co  65
West of Scotland Insurance Office, Ltd..    ;  67
Yang-tsze Insurance Association, Ltd  85 Page.
Companies licensed, List of December 31st, 1915 '  87
Companies admitted during 1915  6
Companies which withdrew during 1915.         5
Assets, Provincial Licensees  92
Liabilities,            //                     93
Receipts,              „                    94
Expenditure,       n                   .   95
Business in British Columbia, Provincial Licensees        96
Premiums and Losses (net), 1915  100
Fire Reports—
I. Cities and Districts reporting  103
II.  Causes of Fires  104
III. Classification of Property burned      105
IV. Fires (1915) by Months  109
V. Comparison, 1914 and 1915  109
Life Insurance—
Companies licensed, List of December 31st, 1915  90
Companies admitted 1915 ,         8
Companies which withdrew 1915  8
Business in British Columbia  99
Miscellaneous Insurance—
Companies licensed, List of December 31st, 1915  90
Companies admitted 1915      8
Assets, Provincial Licensees  . 97
Liabilities,            u                     97
Receipts,               n                    98
Expenditure,        u                     98
Premiums and Losses (tabulated)  102
VICTORIA, B.C.:
Printed by William H. Cullin, Printer to the King's Most Excellent Majesty.
1916.

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