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SIXTH ANNUAL REPORT OF THE SUPERINTENDENT OF INSURANCE FOR THE PROVINCE OF BRITISH COLUMBIA 1917 (BUSINESS… British Columbia. Legislative Assembly 1917

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 SIXTH ANNUAL REPORT
OF   THE
SUPERINTENDENT OF INSURANCE
FOR the
PROVINCE OF BRITISH COLUMBIA
1917
(BUSINESS TRANSACTED IN 1916)
THE GOVERNMENT OF
THE PROUKE OF BRITISH COLUKBIA.
PRINTED  BY
AUTHORITY   OF   THE   LEGISLATIVE   ASSEMBLY.
VICTORIA,  B.C. :
Printed by Williaji IL  Ctjllin, Printer to the King's Most Excellent Majesty.
1917.  To His Honour Frank Stillman Barnard,
Lieutenant-Governor of the Province of British Columbia.
May it please your Honour :
The undersigned lias the honour to present the Sixth Annual Report of the
Superintendent of Insurance for the year ended December Slst, 1916.
JOHN HART,
Minister of Finance.
Victoria, B.C., June 23rd, 1917.  REPORT OF THE SUPERINTENDENT OF INSURANCE.
Department of Insurance,
Victoria, B.C., June 23rd, 1917.
The Honourable John Hart,.
Minister of Finance, Victoria, B.C.
Sir,—I have the honour to submit my report under the " British Columbia Fire Insurance
Act" arid under the " Insurance Act" for the year ended Slst December, 1916.
I. " BRITISH COLUMBIA FIRE INSURANCE ACT."
(1.)  FIRE INSURANCE COMPANIES.
At the end of 1916 there were 114 companies  licensed to transact  the business  of fire
insurance in this Province.
Where incorporated.
Dominion
Licensees.
Provincial
Licensees.
Total.
19
5
27
29
4
84
4
24
i
l
19
5
31
53
4
1
1
80
114
Six companies, as stated below, ceased to do business in the Province, while six others, also
named below, were for the first time licensed to transact the business of fire insurance; the
total number of licensed fire insurance companies thus remaining the same as at the end of 1915.
Companies ceaseu Business in British Columbia.
Dominion Licensees.
American Insurance Company.
Anglo American Fire Insurance Company  (in liquidation).
Lumber Insurance Company of New York  (merged with Stuyvesant Insurance Co.).
Montreal Canada Fire Insurance Company  (in liquidation).
Provincial Licensees.
Indiana Lumbermen's Mutual Insurance Company.
West of Scotland Insurance Office, Limited.
New Companies admitted.
The following companies commenced fire-insurance business in the Province during 1916:—
Name of Company.
With Dominion Licence.
Canada Accident Assurance Company *	
Imperial Guarantee & Accident Insurance Company of Canada* f	
Millers National Insurance Company	
Provincial Insurance Company, Limited	
Provincial Licensees.
Industrial Fire Insurance Company	
Merchants Fire Assurance Corporation of New York	
* Also licensed under the " Insurance Act."
f Licence limited to insuring automobiles against Are.
Montreal, Quebec.
Toronto, Ont	
Chicago, 111	
Bolton, Eng	
Akron, Ohio	
New York, N.Y... P 6 Report op the Superintendent of iNSUR-iNCE., 1917
Dominion Licence.
On August 25th, 1916, the Stuyvesant Insurance Company obtained a Dominion licence.
(2.)  FIRES.
City and district municipalities during 1916 reported to this Department 66S fires with a
loss of $1,380,952, as against 709 reported for 1915 with a loss of $1,230,S10.
A statement of net losses incurred by licensed companies as reported by such companies is
annexed.
The information contained in reports on fires received from city and district municipalities
has, as heretofore, been arranged 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.
In future information as to all fires occurring in the Province will be available, as under
arrangements, wmich went into effect at the beginning of 1917, reports on all fires in unorganized
territory are now made to this Department by the Provincial police. Every fire, therefore, is
now the subject of inquiry and report by a municipal or Government officer.
Referring to fires in city and district municipalities, amongst the causes most frequently
reported are the following:—
Cause of Eire.
No.
Loss reported.
89
$22,694
69
58,182
60
40,872
26
6,057
22
7,034
20
10,409
Sparks from chimneys falling on shingle roofs   	
Furnaces, stoves, or pipes insufficiently protected         	
Defective chimneys and fireplaces (not including six fires caused by stove-pipe chimneys ; loss, §1,480)
Match carelessness and children playing with	
Smokers' carelessness           	
Clothing or firewood too near stove	
The percentage of preventable and partly preventable fires is very large. It is obvious that
care and attention to the very ordinary matters referred to in the above table and to others,
which the table of causes of fires (see Appendix) will readily suggest, will prevent many fires
and much loss. The net losses incurred, as reported by the fire insurance companies and which
obviously do not cover the total of property destroyed by fire, show a loss of over $2.75 per capita
of the population. With a view to inculcating fire-prevention, bulletins are issued by this
Department periodically dealing with fire hazards by way of information and by way of warnings,
and suggesting better practices. These bulletins are distributed to the press and to all officers
reporting fires and to all fire-insurance agents in the Province, as well as to others who evince
an interest in fire-prevention, and thanks are due to the press and others who disseminate such
information and warnings. As pointed out in the report of last year, interest in the subject of
fire-prevention is increasing, as has recently been evidenced by the distribution of warnings and
information by the fire departments of the Cities of New Westminster, Revelstoke, and Vernon.
Thirty fires of alleged suspicious origin were carefully investigated by this Department.
Fires accompanied by large loss occurred as follows:—
Prince George.—This city was twice visited by fire in the month of January, 1916. On the
7th of that month a fire which was caused by an accumulation of waste paper igniting from
heat of a stove in a rooming-house destroyed seven buildings and caused a loss of $8,900. One
man lost his life in the building in which the fire originated.
On the 11th of the month a fire destroyed seven buildings with a loss of $54,050. The cause
of this fire could not be definitely ascertained. Its starting-point was in the basement of a
general store.
Vancouver.—On May 28th, 1916, a fire of incendiary origin (see "Abe Craib," below) in the
Alberta Pacific Grain Company's warehouse destroyed that warehouse and seriously damaged
the ice and cold-storage plant of the New England Fish & Cold Storage Company and spread to
the premises of the Vancouver Ice & Cold Storage Company, Limited. The loss amounted to
$262,000.
Courtenay.—On July 8th, 1916, a fire from unknown cause originated in the Opera House
and destroyed nineteen buildings, occasioning a loss of $63,942. 7 Geo. 5
British Columbia.
P 7
Port Hammond.—On October 13th, 1916, a fire which originated in the rear part of a
building occupied as a store, with public hall upstairs, destroyed two adjoining stores and a
building occupied by a bank.    The losses aggregated $31,800.
Kelowna.—On October 29th, 1916, a building containing Opera House and store, with offices
and apartments over the latter, was destroyed.    Loss was reported at $135,965.
In unorganized territory (loss not included elsewhere) :—
.Quesnel.—On January 15th, 1916, a fire which originated in basement of. addition to Cariboo
Hotel, where the furnace was located, destroyed the hotel and thirteen buildings in the business
portion of the town.    Loss, $169,250.
Atlin.—On June 15th a fire which is reported to have originated in Royal Hotel destroyed
twenty-three buildings.
Asheroft.—On July 5th, 1916, a fire which originated in the upper part of the Asheroft
Hotel spread rapidly owing to the waterworks system being under repair and the water-supply
cut off. Some fifteen places of business were destroyed and the fire spread through the Chinese
section, the loss occasioned being over $200,000.
During the year :—
William Heffler was in January convicted of setting fire to a cafe af 927 Powell Street,
Vancouver, and sentenced to two years' imprisonment.
Francis Perrault pleaded guilty at Kamloops Assizes in May to having set fire to two
settings of wheat on September 27th, 1915, causing a loss of about $1,000; sentenced to eighteen
months.    He had already been seven months in prison awaiting trial.
Abe Craib, aged eighteen, confessed to having set fire on May 28th to the Alberta Pacific
Grain Company's warehouse in Vancouver. The fire spread to the buildings of the New England
Fish & Cold Storage Company and the Vancouver Ice & Cold Storage Company, causing a loss
of $262,000. He also confessed to having set fire to other buildings in South Vancouver. At his
trial in October, 1916, he pleaded guilty, and was sentenced to four years and six months'
imprisonment.
John Walton Whims (coloured) was in October convicted of setting fire to a dwelling-house
near Ganges in attempt to commit murder, and was sentenced to five years' imprisonment.
A boy was in July convicted of having set fire to an unoceupied dwelling in New Westminster,
and was sent to the reformatory for two years.
Two boys, aged six, were in November committed to the Juvenile Detention Home, they
having started fire in a garage in Vancouver.
II. " INSURANCE ACT."
At the end of 1916 there were licensed under the " Insurance Act " ninety-four companies,
as follows:—
Where incorporated.
Dominion
Licensees.
Provincial
Licensees.
Total.
32'
4
19
23'
2
i
8
1
2
2
2
32
5
27
1
2
78
16
94
The following companies ceased to do business in British Columbia during 1916:—
Dominion Licensee.—Canadian Casualty & Boiler Insurance Company;   amalgamated
with General Accident Assurance Company of Canada.
Provincial Licensee.—Union Pacific Life Insurance Company ;  British Columbia business
reinsured June, 1916, with Guardian Casualty & Guaranty Company. The following companies were licensed during 1916:—
Dominion Licensee.—Scottish Union & National Insurance Company, Edinburgh, Scotland, to transact automobile, sprinkler-leakage, and tornado insurance.
Provincial Licensee.—British Crown Assurance Corporation, Limited, Glasgow, Scotland,
to transact guarantee and automobile public liability insurance.*
Recommendations.
I have the honour to recommend the following subjects for consideration with a view to
legislation:—
The amendment of the " Mutual Fire Insurance Companies Act" so as to bring the formation
and supervision of such companies under the Department of Insurance. Such companies are
not now subject to regular inspection.
The regulation of the storage of gasolene and similar oils in all parts of the Province,
including municipalities where no satisfactory municipal by-law has been enacted.
Uniform Standard Health and Accident Policies.—This matter has received the consideration
of the insurance companies interested, and proposals have been laid before the Insurance Departments of the Dominion and of the several Provinces. Believing that the enactment of policy
conditions is a matter within the legislative jurisdiction of the Provinces, and as uniformity of
such conditions throughout the Dominion is most desirable, I had i-t in view to recommend
conference with other Provinces upon the subject before the next session of the Legislature.
In a Bill (the "Insurance Act, 1917"), however, now (June, 1917) before the Parliament of
Canada it is proposed to enact standard general conditions as obligatory upon Dominion licensees
transacting accident and sickness insurance, to which I respectfully draw your attention.
Legislation regulating the carrying-on of insurance business in the Province by fraternal,
.benevolent, industrial, and similar societies.
The consolidation, with amendments suggested by experience and by decisions of Courts,
of the Insurance Acts, some seven in number. I am of opinion that such legislation will be of
advantage in administration as well as otherwise.
Statements of Companies.
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, and, as above intimated, tabulation
of fire reports received from municipalities, are appended.
I have the honour to be,
Sir,
Your obedient servant,
ERNEST F. GUNTHER,
Superintendent of Insurance.
* June, 1917, licence above described has been withdrawn, and in lieu thereof company has been
licensed to transact the business of insuring owners of automobiles against hazards of inland transportation and against loss by tbeft. 7
Geo. 5
British Columbia.
P 9
APPENDIX.
FIRE   INSURANCE.
Annual Statements of Provincial Licensees
for Year ended
December 31st, 1916.
AGRICULTURAL INSURANCE COMPANY
Head Office—Watertown, N.Y.
Officers.
W
N.Y.
J.
C. Knowlton, Vice-President
N.Y.
w
C. Stebbins, Vice-President
N.Y.
J.
N.Y.
p.
N.Y.
Directors.
J. Q. Adams.
H. Barnum.
J.
C. Knowlton.
R. J. Buck.
W. C. Stebbins.
w
H. Stevens.
J. C. Stebbins.
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.
.  $500,000 00
Amount subscribed   . .
.    500,000 00
Ron nnn nn
Statement
for the Year ended December 31st,
1910.
Assets.
Ca
sh value of real estate, less i
sh value of mortgages, exclu
•
25 00
32 00
Ca
Loans, other than those secured by mortgages   33,670 50
Cash  value   (excluding  interest and  dividends)   of  stock,   shares,   bonds,   debentures, etc  3,704,152 00
Actual cash on hand at Head Office  -.  6,568 16
Cash on deposit to the Company's credit and not drawn against on December 31st,
!916   335,740 40
Agents' balances     316,030 75
Interest due or accrued and unpaid  46,4S4 20
Total assets   $5,036,003 01 P 10
Report of tpie Superintendent of Insurance,
1917
Liabilities.
Claims or losses adjusted   $ 61,672 39
Claims or losses resisted  19,171 00
Claims or losses in suspense, or supposed, or reported   165,302 52
Deduct reinsurances due or accrued
$  246,145 91
64,161 27
Net amount of losses or claims unpaid $   181,984 64
Total reserve of unearned premiums    2,052,877 31
Conflagration  reserve         250,000 00
Amount due or accrued for stationery, printing and advertising, commission, and
taxes          62,000 00
Total amount of liabilities ■ $2,546,861 95
Capital stock paid up        500,000 00
Total of liabilities and paid-up capital   $3,046,861 95
Excess of assets over such total  $1,989,141 06
Receipts.
Net premiums received in cash $1,911,746 00
Cash received for interest       220,280 21
Cash received from rents   2,500 00
Income from all other sources—
Loss and gain  $16,370 72
Bond adjustments       6,311 58
       22,682 30
Total  receipts    $2,157,20S 51
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   	
417,754 S3
157 21
938 57
33,716 19
12,776 51
66,356 35
70,678 43
107,585 94
25,710 70
10,831 58
65,995 30
Total expenses of management $
Net amount paid for losses occurring prior to 1916 	
Net amount paid for losses occurring during 1916 	
Cash paid for dividends 	
Expenditure other than the foregoing—■
Loss and gain  $2,659 69
Bond adjustments    7,719 99
812,501 61
120,157 83
791,008 70
100,000 00
10,379 68
Total expenditure  $1,834,047 82 7 Geo. 5 British Columbia. P 11
Returns for British Columbia.
Bond of guarantee company in lieu of deposit $    25,000 00
Assets    ....
Liabilities  14,718 73
Premiums written, less return premiums   16,721 69
Losses incurred, net    3,152 00
Losses paid, net    2.S29 00
Net amount at risk     1,806,100 00
ALLIANCE INSURANCE COMPANY OF PHILADELPHIA.
Head Office—Philadelphia, Pa.
Officers.
Benjamin Rush, President     Philadelphia, Pa.
John O. Piatt, Vice-President    Philadelphia, Pa.
Sheldon Catlin, -Second Vice-President     Philadelphia, Pa.
T. Houard Wright, Secretary and Treasurer    Philadelphia, Pa.
John Kremer, Assistant Secretary   Philadelphia, Pa.
Galloway C. Morris, Assistant Secretary     Philadelphia, Pa.
Directors.
William D. Winsor. J. Levering Jones. C. Hartman Kuhn.
Henry W. Biddle. Arthur E. Newbold. Benjamin Rush.
Bayard Henry. John Gribbel. Charles S. W. Packard.
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, 1916.
Assets.
Cash value of bonds and stocks   $2,70S,727 00
Cash in Company's office  43 87
Deposits in trust companies    176,866 62
Agents' balances representing business written subsequent to October 1st, 1916 .... 194,786 86
Agents'  balances  representing business  written  prior  to   October  1st,  1916   (not
extended), $4,409.98.
Bills receivable for marine and inland risks  950 66
Due from other companies for reinsurance on losses already paid  279 62
Interest accrued on bonds    35,177 06
$3,116,831 69
Deduct market value of special deposits in excess of corresponding liabilities ..       15,993 05
Total assets   $3,100,838 64 P 12 Report of the Superintendent of Insurance, 1917
Liabilities.
Claims for losses adjusted and unpaid $ 8,340 CO
Claims for losses resisted  10,250 00
Claims for losses in suspense, or supposed, or reported—
Fire    $123,159 00
Marine     213,250 00
  336,409 00
$ 354,999 00
Deduct reinsurance due or accrued    38,603 00
Net amount of losses or claims unpaid  $ 316,396 00
Reserve of unearned premiums for all outstanding fire risks   666,956 04
Reserve of unearned premiums upon all unexpired inland navigation risks   63,416 52
Reserve of unearned premiums upon all unexpired marine risks    79,935 63
Amount reclaimable by insured on perpetual fire insurance policies   1C,S31 13
Salaries, rents, expenses, bills, accounts, fees, etc., due or accrued  2,000 00
Reserve for taxes   (estimated)     30,000 00
Contingent commissions or other charges due or accrued  :. 7,500 00
Contingent Fund   417,803 32
Total amount of liabilities    $1,600,838 64
Capital actually paid up in cash   750,000 00
Total of liabilities and paid-up capital   $2,350,838 64
Excess of assets over such total   $ 750,000 00
Income,
Premiums (less reinsurance and return premiums) —
Fire    $784,716 96
Marine       602,096 62
 $1,386,813 58
Deposit premiums written on perpetual risks    250 00
Gross interest on bonds and dividends on stocks, less $4,665.90 accrued interest on
bonds acquired during 1916     107,584 10
Gross interest on deposits in trust companies and banks   2,304 49
Gross interest from all other sources   96 09
Perpetual permits, transfer fees, and earned deposits   17 00
Agents' balances previously charged off    316 86
Profit on sale or maturity of bonds   4,921 32
Profit on sale or maturity of stocks    48,437 50
Total income    $1,550,740 94
Disbursements.
Net amount paid during the year for losses, fire $ 358,255 92
Net amount paid during the year for losses, marine   288,273 11
E.xpenses of adjustment and settlement of losses   10,783 87
Commissions or brokerage   261,241 72
Allowances to agencies for miscellaneous agency expenses   22,183 72
Salaries  ($19,791.01) and expenses ($10,263.04)  of special and general agents    30,054 05
Salaries, fees, and all other charges of officers, directors, trustees, and Home Office
employees     26,545 27
Carried forward   $ 997,337 66 7 Geo. 5                                            British Columbia. P 13
Disbursements—Concluded. ;
Brought forward  $ 997,337 66
Rents     3,838 74
Advertising, $1,609.25;   printing and stationery, $8,816.71   10,425 96
Postage, telegrams, telephone, and express    3,5S2 19
Legal  expenses     1,384 87
Furniture and fixtures   '  649 14
Maps, including corrections    1,461 02
Underwriters' Boards and Tariff Associations    12,888 94
Fire Department,  Fire Patrol,  and  Salvage Corps  assessments,  fees,  taxes,  and
expenses   5,120 72
Inspections and surveys  1,645 18
State taxes on premiums   18,146 85
Insurance Department licences and fees   5,883 77
All other licences, fees, and taxes   14,428 74
Registration of stock   50 00
Subscriptions     23 50
Deposit premiums returned    70 00
Paid stockholders for interest on dividends   75,000 00
Decrease by adjustment in book value of bonds   1,125 00
Total  disbursements    $1,153,062 28
Returns for British Columbia.
Bond of guarantee company in lieu of deposit  $ 25,000 00
Assets   (agents' balances)     3,604 49
Liabilities  10,687 96
Premiums written, less return premiums  22,616 93
Losses incurred, net  2,305 19
Losses paid, net    2,423 76
Net amount at risk   1,055,587 00
ARIZONA FIRE INSURANCE COMPANY.
Head Office—Phoenix, Arizona.
This Company has ceased to transact business in the Province of British Columbia; its
British Columbia business was, as of October 5th, 1916, reinsured with the Employers Liability
Assurance Corporation, Limited. P 14 Report of the Superintendent of Insurance, 1917
BOSTON INSURANCE COMPANY.
Head Office—Boston, Mass.
Officers.
Ransom B. Fuller, President    Boston, Mass.
Wm. R. Hedge, Vice-President  Boston, Mass.
Freeman Nickerson, Secretary and Treasurer     Boston, Mass.
Directors.
Ransom B. Fuller. Eugene P. Carver. Edw. E. Blodgett.
Frank B. Dole. James W. Dunphy. Donald M. Hill.
Wm. H. Lincoln. 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 31st, 1916.
Assets.
Cash value of real estate, less encumbrances  $   513,673 92
Cash value of mortgages, exclusive of interest   39S,900 00
Cash  value   (excluding  interest  and  dividends)   of  stock,  shares,   bonds,   debentures, etc  5,687,682 00
Actual cash on hand at Head Office   20,621 85
Cash on deposit to the Company's credit and not drawn against on December 31st,
1916     554,149 03
Agents' balances representing business written subsequent to October. 1st, 1916  . .. 903,099 95
Agents'  balances   representing  business   written  prior  to   October  1st,  1916   (not
extended), $67,497.33.
Bills receivable less than one year overdue    41,281 31
Interest due or accrued and unpaid    36,811 34
Due from other companies for reinsurance on losses already paid   62,76S 74
Amount of all other assets    1,990 36
$8,220,978 50
Deduet market value of special deposits in excess of corresponding liabilities ..       36,500 00
Total assets    $S,1S4,47S 50
Liabilities.
Claims or losses adjusted   $     35,700 14
Claims or losses resisted         72,737 30
Claims or losses in suspense    1,750,326 03
$1,858,763 47
Deduct reinsurances due or accrued       524,329 S7
Net amount of losses unpaid   $1,334,433 60
Total reserve of unearned premiums for all outstanding risks  2,916,241 68
Carried forward   $4,250,675 28 7 Geo. 5 British Columbia. P 15
Liabilities—Concluded.
Brought forward $4,250,675 2S
Other reserves   '        50,000 00
Dividends declared and remaining unpaid       120,000 00
Amount due or accrued for stationery, printing, advertising, commission, and taxes      Sl,515 42
Total amount of liabilities  $4,502,190 70
Capital stock paid up   1,000,000 00
Total of liabilities and paid-up capital   $5,502,190 70
Excess of assets over such total  $2,682,287 SO
Receipts.
Net premiums received in cash, fire and marine $4,903,0S5 70
Cash received for interest       253,417 06
Cash received from rents         35,476 36
Cash from all other sources         15,698 03
Total  receipts    $5,207,677 15
Expenditure.
Cash paid to agents for commission, salaries, and bonus  $1,051,302 05
for law costs    3,702 11
investigation and adjustment of claims  38,178 18
statutory assessment and licence fees    140,627 73
rent and taxes    56,099 02
salaries, directors' and auditors' fees    258,132 37
printing, stationery, advertising, and maps    29,177 28
postage, telegrams, and express  15,227 3S
other expenses     81,050 32
Total expenses of management   $1,673,496 44
Net amount paid during the year for losses      2,353,S6S 56
Cash paid for dividends        240,000 00
Total expenditure  $4,267,365 00
Returns for British Columbia.
Bond of guarantee company in lieu of deposit   $     25,000 00
Assets  (agents' balances)     7,950 09
Liabilities     14,045 55
Premiums written, less return premiums—
Fire   16,339 06
Marine     15,538 90
Losses incurred, net—
Fire  4,215 90
Marine     4,243 52
Losses paid, net—
Fire      7,400 99
Marine  4,243 52
Net amount at risk—
Fire   1,473,312 00
Marine    141,513 00 P 16 Report of the Superintendent of Insurance, 1917
THE BRITISH CROWN ASSURANCE CORPORATION, LIMITED.
Head Office—Glasgow, Scotland.
Officers.
The Right Hon. J. Parker Smith, Chairman.
D. W. MacLennan, General Manager and Secretary.
J. Y. Finlay, C.A., Assistant Secretary.
Directors.
The Right Hon. J. Parker Smith. Hugh Duncan, LL.B.
Claud A. Allan. D. H. MacDonald.
R. K. Bell. Alexander MacKay, CA.
Sir John Cowan, D.L. T. Leslie Usher.
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      $2,430,000
Amount subscribed      1,215,000
Amount paid   ,        486,000
Statement for the Year ended December 31st, 1916.
Assets.
Investments—
Government securities, British, Colonial, Foreign  $171,957 06
Municipal debentures       91,263 95
British and foreign railway securities, bonds, stocks, and shares ...    52,383 95
Bonds, stocks, and shares in other incorporated companies      81,435 64
 $   397,040 60
Office furniture, plans, and equipment           28,546 4S
Sundry balances, being amount due by  other companies and agents, less due to
sundry creditors            40,288 77
Cash at bankers and on hand         71,493 14
Total assets    $   537.36S 99
Liabilities.
Capital paid up, £2 per share on 50,000 shares  $   486,000 00
Reserve for liquidation of reinsurance treaties          43,740 00
Revenue  Account,  balance  at credit,   subject  to  liability  for  unexpired
risks  $9,827 06
Deduct amount written off on realization of investments     2,19S 07
 7,628 99
Total liabilities   $   537,368 99
Revenue Account.
Balance at credit as per last balance-sheet  $    50,378 SO
Less reserve for liquidation of reinsurance treaties  $43,740 00
Amount written off Furniture, Plans, and Equipment Account     1,493 05
       45,233 05
5,145 li 7 Geo. 5                                            British Columbia. P 17
Revenue Account—Concluded.
Brought forward  $ 5,145 75
Premiums, less reinsurances    475,S36 90
Interest and dividends received  12,396 70
Transfer fees  :  27 32
Total  income   $ 493,406 67
Losses paid and outstanding  $ 270,419 76
Commission,  including provision  in  respect of  agents'  balances  and outstanding
premiums  :  78,194 14
Expenses, salaries, stationery, office and travelling expenses, rents, rates and taxes,
advertising, legal expenses, postages, directors' and auditors' fees, etc  126,281 24
Income-tax and Dominion war taxes  8,684 47
Balance, subject to unexpired risk, carried to balance-sheet  9,827 06
Total expenditure  $ 493,406 67
Returns for British Columbia.
Deposit with Government (municipal bonds)   (par)    $ 25,220 00
Other assets  (agents' balances and interest)     6,710 17
Liabilities  16,780 75
Premiums written, less return premiums    26,364 55
Losses incurred, net   10,152 96
Losses paid, net    10,195 96
Net amount at risk     1,497,877 00
THE CENTURY INSURANCE COMPANY, LIMITED.
Head Office—Edinburgh, Scotland.
it
Officers.
Sheriff  Lorimer,  K.C,  Chairman      Edinburgh, Scotland.
Henry Brown. J.P., General Manager     Edinburgh, Scotland.
John  R.  Little,   Secretary      Edinburgh, Scotland.
Directors.
Sheriff Lorimer, K.C. Charles E. Price, M.P.
D. Dreghorn Binnie, M.A., LL.B. Sir William Robertson, J.P.
Henry Brown, J.P. William Towers-Clark.
Sir J. Halliday Crooin, M.D., F.R.CS.Ed.
Amount deposited with the Government of British Columbia : Grand Trunk Pacific Railway
Lake Superior Branch bonds, $3,893.28; Corporation of Richmond bonds, $26,000; total, $29,893.28
(par).
Authorized capital  £900,00(3
Amount subscribed        315,000
Amount paid         35,000
2 P 18 Report of tfie Superintendent of Insurance, 1917
Statement for the Year ended December 31st, 1910.
Assets.
£        s.   d.
Mortgages on property in United Kingdom    207,353    7   4
Mortgages on property outside United Kingdom     110,285   9    5
Loans on life interests       6,667 13    6
Loans on reversions       15,053 13   5
Loans on the Company's policies within their surrender value ...    3S.797 15    2
Loans on personal security with life policies        9,779    6   2
Investments—
Deposit with High Court       14,092    0    0
British Government securities    300,77S    3    4
Indian and Colonial Government securities       25,310 13    6
Railway debentures and stocks    22S.324    7    4
Other debentures and debenture stocks     205.122 13   9
Railway and other shares, preference and ordinary       36,194    1 11
Municipal corporation  securities        83,929 12    6
Bank  stocks    -.'-     13.900   0   0
Foreign Government securities       50,840   6 10
Office   properties   and   furniture,   Edinburgh,   London,   and
branches        30,037   8   5
Ground-rents          2,686   2    4
Reversions          1,707 16    8
Cash in banks, on deposit, and in hand     61,921    3    5        £ s.   d.
  1,442,7S1 15    0
Interest accrued           16,217 18   3
Agents' balances, less commission          41,250    6    2
Outstanding premiums, less commission        43,062    1    0
Outstanding interest, dividends, and rents  982    0    6
Sundry debtors    67 19    2
£1,544,302    0    1
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 Fund   £975,S28 15    8
Fire Assurance Fund     115,959 12 10
Accident and General Funds       43,760 18 10
Employers' Liability Funds       35,522 12    0
Capital Redemption Fund      22,025 16    3
Sickness Funds    173,871   2   0
Marine Fund      39,519    7    7
Profit and Loss Account, credit balance  .'     25,366 17   S
  1,431,855    2 10
Sundry Accounts outstanding   3,185 15    0
Life claims outstanding          10,631    1    8
Fire losses outstanding   7,037   8 10
Unclaimed dividends    30 11    7
Due to other insurance companies        33,710 17    4
Sundry creditors   470 14   0
Deposits by reinsuring companies         22,440   8 10
£1,544,362    0    1 7 Geo. 5 British Columbia. P 19
Life and Annuity Account.
Amount of Life Assurance Fund at beginning of year £ 893,129    5 7
Premiums     121,156    5 7
Consideration for annuities granted    4,659    5 11
Interest and dividends  £40,956 13    0
Less income-tax       6,356   4   6
  34,600   8 6
Assignment fees  20   5 0
£1,053,565 10 7
Claims under policies, paid and outstanding—
By  death    £33,574    6 11
By  maturity      10.868 19    6 £       s. d.
  44,443    6 5
Surrenders, including surrenders of bonus   9,607 12 2
Annuities   11,171 10 8
Bonuses in reduction of premiums   31    2 1
Commission    ' 4,850    7 0
Expenses of management   7,632 16 7
Amount of Life Assurance Fund at end of year   975.S2S 15 8
£1,053,565 10   7
Fire Account.
Fire Insurance Funds at beginning of year—
Reserve for unexpired risks   £38,342    5   0
Additional reserve   65,000   0   0 £       s.  d.
      103,342    5    0
Premiums         101,919    5    7
£   205,261 10    7
£        s.   d.
Losses paid and outstanding         38,076 17   5
Contribution to fire brigades    921    6    2
Commission         1S.344    3    9
Expenses of management        20,384    7    3
Transfer to Profit and Loss Account           11,575    3    2
Amount of Fire Insurance Funds at end of year—
Reserve for unexpired risks, being 50 per cent, of premium
income for the year   £50,959 12 10
Additional reserve   65,000   0   0
      115,959 12 10
£   205,261 10   7
Accident and General Account.
Amount of Accident and General Insurance Funds at beginning of year—
Reserve for unexpired risks  £ 6,982 11    4
Total estimated liability in respect of outstanding claims     1,638    1   5
General reserve   .'  32,000   0   0 £       s.   d.
       40,620 12    9
Premiums           20,685 11    0
£    61,306   3   9 P 20 Report of the Superintendent of Insurance, 1917
Accident and General Account—Concluded.
Payments under policies, including medical and legal expenses 	
Commission 	
Expenses of management	
Transfer to Profit and Loss Account	
Amount of Accident and General Insurance Funds at end of the year—
Reserve for unexpired risks, being 40 per cent, of premium
income for the year   £ 8,274    4    6
Total estimated liability in respect of outstanding claims ....    3,486 14    4
General reserve     32,000   0   0
£
s.
d.
6,828
8
11
3,144
2
6
4,467
19
0
3,104
14
6
43,760 18 10
£     61,306    3    9
Employers' Liability Account.
Amount of Employers' Liability Insurance Funds at beginning of year—
Reserve for unexpired risks  £ 9,112    8   0
Total estimated liability in respect of outstanding claims 11.912    2    7
Additional  reserve      10,000   0    0 £       s.   d.
 31,024 10    7
Premiums           23,996 17 11
Interest and  dividends    £ 1,101 15    4
Less income-tax          171   0    7
  930 14   9
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 unexpired risks, being 45 per cent, of premium
income for the year   £10,798 12    0
Total estimated liability in respect of outstanding claims .... 14,724    0    0
'     Additional reserve    10,000    0   0
 35,522 12    0
£ 55,952    3    3
Capital Redemption Account. —~
£       s.   d.
Fund at beginning of year   19,561   0    1
Premiums  2,438 10    2
Interest and dividends  £    810   9    6
Less income-tax          125 16   9
  684 12    9
£  55,952 3
3
i    £   s.
9,025 8
3,623 10
5,423 6
2,357 6
d.
1
8
0
6
£     22.6S4    3    0
£        s. d.
Maturities and surrenders  *            609 11 3
Commission and expenses of management                 48 15 6
Fund at end of year          22,025 16 3
£     22,684    3 0 7 Geo. 5 British Columbia. P 21
Sickness Account.
Amount of Sickness Insurance Funds at beginning of year—
Total estimated liability in respect of outstanding claims ... .£      771   5 10
Accumulated Fund    161,021 10   6 £       s. d.
  161,792 16 4
Premiums     26,644 15 1
Interest and dividends  £    6.703    1    4
Less income-tax         1.040   0   6
  5,662 14 10
£ 194,100    6 3
£       s. d.
Claims and medical fees   10,460   3 0
Surrenders     43    6 0
Commission    1,998    6 9
Expenses of management  7.727    8 6
Amount of Sickness Insurance Funds at end of year—
Total estimated liability in respect of outstanding claims . ...£    1,379 11   2
Accumulated  Fund      172,491 10 10
  173.S71    2 0
£ 194,100    6 3
Marine Accounts
£       s. d.'
Premiums  62.044   0 2
£ 62,044    0 2
£        s. d.
Claims paid and outstanding  17,761    2 7
Expenses of management    4,763 10 0
Amount of Marine Insurance Fund at end of year  39,519    7 7
£ 62,044    0 2
Profit and Loss Account.
£        s. d.
Balance of last year's account    28,561    0 0
Profit realized—
Fire Account     11,575   3 2
Accident and General Account  3,104 14 6
Employers' Liability Account    2,357   6 6
Transfer fees    8 15 0
Interest and dividends not carried to other accounts £13,645 18    9
Less income-tax   .-     2,118    2    7
  11,527 16 2
£    57,134 15   4 Profit and Loss Account—Concluded.
£       s. d.
Dividend to shareholders, final, 1915   7,000   0 0
Dividend to shareholders, interim, 1916    4,375    0 0
Income-tax  3,104 16 1
Expenses not charged to other accounts   1,200   0 0
Agency balances written off    88    1 7
Office properties and furnishings written off   1,000    0 0
Written off, Stock Exchange securities  r  15,000   0 0
Balance  25,366 17 S
£     57,134 15    4
Returns for British Columbia.
Deposit with Government  (municipal securities, etc.)   (par)    $ 29,893 28
Other assets (agents' balances, cash in bank, etc.)  10,762 83
Liabilities     8,372 46
Premiums written, less return premiums   13,429 62
Losses incurred, net  697 61
Losses paid, net  :  185 36
Net amount at risk  822,142 00
CITIZENS' INSURANCE COMPANY OF MISSOURI.
Head Office—St. Louis, Mo.
Officers.
Chas. E. Chase, President. Whitney Palache, Vice-President.
R. M. Bissell. Vice-President. P. O. Crocker, Secretary.
J. H. Carr, Vice-President. T. H. Scotland, -\ssistant Secretary.
Directors.
C E. Chase. Geo. Gordon. F. C. Case.
R. M. Bissell. J. E. Fenner. S. E. Waggoner.
A. G. Dugan. P. O. Crocker. W. R. Prescott.
J. H. Carr.
-\mount 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      200,000 00 7 Geo. 5                                          British Columbia. P 23
Statement for the Year ended December 31st, 1916.
Assets.
Cash value of mortgages, exclusive of interest $ 61,700 00
Cash  value   (excluding  interest  and  dividends)   of  stock,   shares,   bonds,   debentures, etc  403,140 00
Cash on deposit to  the  Company's  credit  and  not  drawn  against  on  December
31st, .1916    206,467 53
Agents' balances representing business written subsequent to October 1st, 1916 ... 36,472 07
Agents' balances  representing  business  written  prior to  October  1st,  1916   (not
extended), $2,150.
Interest due or accrued and unpaid   7,665 19
Total assets   $ 715,444 79
■
Liabilities.
Claims or losses adjusted $ 56,001 36
Claims or losses resisted    17,886 95
Claims or losses in suspense, or supposed, or reported   115,99S 48
$ 189,886 79
Deduct reinsurance due or accrued  167,369 44
Net amount of claims or losses unpaid  $ 22,517 35
Total reserve of unearned premiums for all outstanding risks   123,451 43
Other reserves   62,882 44
Amount due or accrued for taxes  2,500 00
Total amount of liabilities  $ 211,351 22
Capital stock paid up    200,000 00
Total of liabilities and paid-up capital $ 411,351 22
Excess of assets over such total   $ 304,093 57
Receipts.
Net premiums received in cash  .' $ 145,754 85
Cash received for interest    22,334 15
Cash from all other sources  19,822 02
Total  receipts    $ 187,911 02
Expenditure.
Cash paid to agents for commission, salaries, and bonus  $ 48,380 IS
for law costs    884 42
„          „   investigation and adjustment of claims    1,094 72
„          ,,   rent and taxes    1,040 11
„          „   salaries, directors' and auditors' fees    149 07
.,          ,,   printing, stationery, and advertising   52 40
„          „   postage, telegrams, and express   ,  45 OS
Total expenses of management  $ 51,645 98
Net amount paid during the year for losses   94,310 16
Total expenditure  $ 145,956 14 Returns for British Columbia.
Bond of guarantee company in lieu of deposit  $ 25,000 00
Assets   (agents' balances)  853 30
Liabilities     176 30
Premiums written, less return premiums    9,654 94
Losses incurred, net     3,S73 64
Losses paid, net  4,097 34
Net amount at risk    Nil.
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     New York, N.Y.
C E. Porter, Vice-President     New York, N.Y.
W. M.  Ballard, Assistant Secretary      New York, N.Y.
Directors.
J. Claflin. A. H, Wray. R. A. Bait.
R. J. Cross. C J. Holman. J. G. Hilliard.
F. B. Campbell. C E. Porter. T. II. Banks.
W. P. Bliss. W. M. Ballard. H. C Eddy.
A. E. Marling.
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, 1916.
Assets.
Cash  value   (excluding  interest  and  dividends)   of  stock,   shares,   bonds,   debentures,  etc $   998,SS4 50
Actual cash on hand at Head Office   23 45
Cash on deposit to the Company's credit and not drawn against on December Slst,
1916      196,739 32
Agents' balances representing business written subsequent to October 1st, 1916 ....     138,851 67
Agents'  balances  representing business written  prior  to  October 1st,  1916   (not
extended), $8,413.93.
Interest due or accrued and unpaid  9,430 00
$1,343,928 94
Deduct market value of special deposits in excess of corresponding liabilities ..       16,880 20
Total assets    $1,327,048 74 7 Geo. 5 -     ',-- British Columbia. P 25
Liabilities.
Claims or losses adjusted '.'..' $ 18,988 00
Claims or losses resisted  1,390 00
Claims or losses in suspense, or supposed, or reported   61,015 00
$    81,393 00
Deduct reinsurance due or accrued    9,370 00
Net amount of losses or claims unpaid  $ 72.023 00
Total reserve of unearned premiums for all outstanding risks    675,704 07
Amount due or accrued for salaries and commission   3,675 43
Reserve for taxes      13.603 99
Total amount of liabilities   ;$   765,006 49
Capital stock paid up        200,000 00
Total of liabilities and paid-up capital $   965,006 49
Excess of assets over such total   $   362.042 25
Receipts.
Net premiums received in cash  $   679,721 03
Cash received for interest        40.939 70
Total cash receiepts $   720,660 73
Expenditure.
Cash paid to agents for commission, salaries, and bonus  $ 176,351 49
for investigation and adjustment of claims  12,744 08
interest,  discount,  and exchange  455 67
statutory assessment and licence fees   28,255 43
travelling expenses     4,827 50
rent aud taxes  3,865 14
salaries, directors' and auditors' fees   49,577 54
printing, stationery, and advertising    7,089 99
postage, telegrams, and express    3,821 72
other expenses  9,074 27
Total expenses of management  $ 296,062 83
Net amount paid during year for losses  356.436 09
Cash paid for dividends    20,000 00
Cash paid for other expenditure   1.420 23
Total expenditure  $   073.919 15
Returns for British Columbia.
Bond of guarantee company in lieu of deposit  $ 25 000 00
Assets  ....
Liabilities     7,418 26
Premiums written, less return premiums    10,974 12
Losses incurred, net   2,416 94
Losses paid, net  2;520" 30
Net amount at risk  877,066 00 P 26                          Report of the Superintendent of Insurance,                       1917
DETROIT FIRE & MARINE INSURANCE COMPANY.
Head Office—Detroit, Mich.
Officers.
E. H. Butler, President     Detroit, Mich.
Directors.
Edward II. Butler.                     Albert L. Stephens.                   Chas. E. Hiscock.
Edward C. van Husan.              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.
iiuthorized capital   $500,000 00
Amonnt subscribed        500,000 00
Amount paid      500.000 00
St.atement for the Year ended December 31st, 1916.
Assets.
25
24
00
Cash value   (excluding  interest  and  dividends)   of  stock,  shares,  bonds,  deben
tures   etc       1,209,634
3S
06
Cash on deposit to the Company's credit and not drawn against on December 31st,
1916                   187,665
2S
76
Agents' balances representing business written subsequent to October 1st, 1916 ...     146,096
Agents'  balances  representing  business  written  prior  to  October  1st,   1916   (not
extended), $4,055.76.
5S
55
Liabilities.
S4
27
$    81,929
11
01
10
98
OS 7 Geo. 5 British Columbia.
Liabilities—Concluded.
Brought forward  $ 853,994 OS
Reserve for taxes   (estimated)     16,000 00
Amount due or accrued for stationery, printing, advertising;, and commission  4,500 00
Total amount of liabilities   $ 874,494 08
Capital stock paid up    500,000 00
Total of liabilities and paid-up capital  $1,374,494 OS
Excess of assets over such total $1,125,257 47
Receipts.
Net premiums received in cash   $ 842.1SS 34
Cash received for interest    97.029 59
Cash received from rents     6,000 OO
Cash from all other sources    339 66
Total  receipts    , $ 945.557 59
Expenditure.
Cash paid to agents for commission, salaries, and bonus   $ 188,015 17
for law costs    L134 21
„          „   investigation and adjustment of claims    7.352 17
,,   statutory assessment and licence fees    •.. . 27,803 80
„          „   travelling expenses     11,059 38
„          „   rent and taxes    12.517 33
„          „   salaries of special agents    79,097 06
„          „   printing, stationery, and advertising  12.537 50
„          ,,   postage, telegrams, and express    4,636 6S
„          „   other expenses     25,133 69
Total expenses of management   $ 369,2S6 99
Net amount paid during the year for losses—
Fire    $364,580 99
Marine and inland marine        1.786 90
  366,367 89
Cash paid for dividends   110,000 00
Total expenditure   $ 845,654 SS
Returns for British Columbia.
Bond of guarantee company in lieu of deposit $ 25,000 00
Assets   (agents' balances)     844 81
Liabilities     4,084 81
Premiums written, less return premiums   9,012 95
Losses incurred, net     608 83
Losses paid, net   324 23
Net amount at risk   550,433 00 P 28 Report of the Superintendent of Insurance, 1917
FIRE ASSOCIATION OF PHILADELPHIA.
Head Office—Philadelphia. Pa.
Officers.
E. C. Irwin, President   ,  Philadelphia, Pa.
T. H. Condennan, Vice-iPresident  Philadelphia, Pa.
John B. Morton, Second Vice-President    Philadelphia, Pa.
M. G. Garrigues, Secretary  Philadelphia, Pa.
Directors.
Elihu C Irvin. Charles B. Adamson. George W. Nevil.
Theo. H. Condennan. 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 :  Boud of the Canadian 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 tor the Year ended December 31st, 1916.
Assets.
Cash value of real estate $ 665,942 10
Mortgage loans on real estate  2,29S,958 66
Loans secured by pledge of bonds, stocks, etc  57,650 00
Cash value of bonds aud stocks   5.412.467 50
Cash in Company's office   27.290 65
Deposits in trust companies   ■  677.572 61
Agents' balances representing business written subsequent to October 1st, 1916  . . 810,685 44
Agents'  balances  representing business  written  prior  to  October 1st,  1916   (not
extended), $6,203.89.
Interest due or accrued    127,161 34
Rents due and accrued   2,513 42
Market value of real estate over book value   2,057 90
Due for reinsurance on losses already paid   12,647 43
$10,094,947 05
Deduct market value of special deposits in excess of corresponding liabilities        48,099 01
Total assets    $10,046,S4S 04
Liabilities.
Claims for losses adjusted aud unpaid  $      70,879 SI
Claims for losses resisted    84,115 59
Claims for losses in suspense          575,557 88
$    730,544 28
Deduct reinsurance due or accrued          183,346 32
Net amount of unpaid losses and claims  $    547,197 96
Total reserve of unearned premiums for all outstanding risks      4.6S2.131 40
Carried forward $5,229,329 36 7 Geo. 5                                            British Columbia. P 29
Liabilities—Concluded.
Brought forward   $5,229,329 36
Amount reclaimable by the insured on perpetual fire insurance policies  1,464.741 71
Salaries, rents, expenses, bills, accounts, fees, etc., due or accrued  11,345 68
Reserve for taxes  (estimated)     55,000 00
Contingent commissions or other charges due or accrued   18,226 86
Total amount of liabilities   $ 6,77S,643 61
Capital stock paid up    750,000 00
i , • 	
Total of liabilities and paid-up capital   $ 7,528,643 61
Excess of assets over such total   $ 2,518,204 43
Income.
Premiums (less reinsurance and return premiums) —
Fire  $ 5,058,855 11
Marine and inland    4,393 63
Deposit premiums written on perpetual risks   22,073 92
Gross  interest on mortgage loans   (less  $676.20.  accrued interest on  mortgages
acquired during 1916)     123,009 43
Gross interest on collateral loans    4,481 46
Gross interest on bonds and dividends on stocks  (less $4,456.93, accrued interest
on bonds acquired during 1916)  246,383 10
Gross interest on deposits in trust companies and 'banks  6,763 82
Real-estate land contract  $118 96
Philadelphia Underwriters' Tariff Association deposit        6 20
  125 16
Gross rents from Company's property, including $15,000 for Company's occupancy
of its own buildings    40,201 90
Earned  deposits     4,824 77
Agents' balances previously charged off    1,436 73
Gross profit on sale or maturity of real estate   2,464 24
Gross profit on sale or maturity of bonds   S,880 65
Total  income $ 5,523,893 92
Disbursements.
Net amount paid during the year for losses—
Fire    $ 2,518,989 71
Marine and inland   290 02
Expenses of adjustment and settlement of losses    51,97S 90
Commissions or brokerage   1,041,522 90
Allowances to agencies for miscellaneous agency expenses   14,191 15
Salaries (179,130.51)  and expenses ($116,939.25) of special and general agents  . . 296,069 76
Salaries, fees, and all other charges of officers, directors, trustees, and Home Office
employees     210,208 64
Rents, including $15,000 for Company's occupancy of its own buildings  29,194 28
Advertising, $5,586.35;  printing and stationery, $34,139.65   39,725 99
Postage, telegrams, telephone, and express   28,312 S7
Legal  expenses     3,943 56
Furniture and fixtures    2,842 34
Carried forward $4,237,270 12 P 30                          Report of the Superintendent of Insurance, 1917
Disbursements—Concluded.
Brought forward  $4,237,270 12
Maps, including corrections   10,231 63
Underwriters' Boards and Tariff Associations  55,782 49
Fire Department, Fire Patrol,  and Salvage Corps assessments,  fees,  taxes,  and
expenses   15,757 04
Inspections and surveys    29,789 42
Repairs and expenses (other than taxes) on real estate   5,802 50
Taxes on real estate   9,227 98
State taxes on premiums   94,482 30
Insurance Department licences and fees   25.674 64
All other licences, fees, and taxes   50,896 26
Commission on purchase and sale of securities   1,068 75
Deposit premiums returned   52,955 41
Paid stockholders for interest on dividends  300.000 00
Agents' balances charged off  1,687 73
Gross loss on sale or maturity of real estate   4.973 93
Gross loss on sale or maturity of bonds  750 00
Gross decrease by adjustment in book value of real estate  64,615 39
Total disbursements  $ 4,960,965 59
Returns for British Columbia.
Bond of guarantee company in lieu of deposit  $ 25.000 00
Assets  (agents' balances)     1,534 11
Liabilities     8,615 83
Premiums written, less return premiums  10.902 82
Losses incurred, net   6,294 24
Losses paid, net  5,882 11
Net amount at risk    885,685 00
FRANKLIN FIRE INSURANCE COMPANY OF PHILADELPHIA.
Head Office—Philadelphia, Pa.
This Company has ceased to transact business in British Columbia. Geo. 5 British Columbia. P 31
GERMAN ALLIANCE INSURANCE COMPANY.
Head Office—New York, N.Y.
This Company has ceased to transact business in British Columbia.
THE INDUSTRIAL FIRE INSURANCE COMPANY.
Head Office—Akron, Ohio.
Officers.
F. R. Ormsby, President   v  Akron, Ohio.
J. S. Frellnghuysin. Vice-President     New York, N.Y.
G. F. Hutchings, Secretary     New York, N.Y.
Jos. Winum, Treasurer    Akron, Ohio.
Directors.
F. R. Ormsby. .C. A. Ley. J. A. Mets, Jr.
C. W. Siberling. John Rowley. Aldis B. Squire.
Jos. Winum. N. A. Ault.                                          A. L. Canfield.
I. T. Myurs. J S. Frelinghuysin.                           G. W. Van Cleef.
G. A. Rohner. G. H. Hutchings. .     J. J. Kline.
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        300,000 00
Amount paid     300,000 00
Statement for the Year ended December 31st. 1916.
Assets.
Cash value of real estate, less encumbrances  $ ,8,250 00
Cash value of mortgages, exclusive of interest   124,105 00
Cash  value   (excluding  interest  and  dividends)   of  stock,   shares,   bonds,   debentures,  etc  371,430 00
Actual cash on hand at Head Office   1,081 77
Cash on deposit to the Company's credit and not drawn against on December 31st,
1916     126,230 92
Agents' balances representing business written subsequent to October 1st, 1916 .... 154,417 72
Agents' balances representing  business  written  prior to  October  1st,  1916   (not
extended), $621.45.
Interest due or accrued and unpaid   5,212 89
Due from other companies for reinsurance on losses already paid  3,275 83
Amount of all other assets    100 00
Total assets    $   794,104 13 P 32 Report of the Superintendent of Insurance, 1917
Liabilities.
Claims or losses adjusted   $   117,737 42
Deduct reinsurance due or accrued         36,749 75
Net amount of losses or claims unpaid   $ 80,987 67
Total reserve of unearned premiums for all outstanding risks    295,733 21
Reserve for taxes   5,862 98
Amount due or accrued for stationery, printing, advertising, and commission  2,475 83
Amount of all other liabilities  482 00
Total amount of liabilities   $   385,541 69
Capital stock paid up        300,000 00
Total of liabilities and paid-up capital   $   6S5,541 69
Excess of assets over such total $   108,562 44
Receipts.
Net premiums received in cash   $ 451,745 02
Cash received for interest  21,973 01
Cash received for debentures, mortgages, etc.  (not extended), $69,969.50.
Cash from all other sources    2,SS7 50
Total receipts  $   476,605 53
Expenditure.
Cash paid to agents for commission, salaries, and bonus $ 102,164 09
for law costs    SS7 72
investigation and adjustment of claims    1,608 50
statutory assessment and licence fees   945 65
travelling expenses     703 37
rent and taxes     1,197. 96
„   salaries, directors' and auditors' fees    6,951 07
printing,  stationery,  and advertising     2,855 63
postage, telegrams, and express     1,072 17
,,   other expenses     3,579 14
Total expenses of management    $ 121,965 30
Net amount paid for losses occurring prior to 1916   3,793 68
Net amount paid for losses occurring during 1916  151,773 84
Cash paid for dividends    13,500 00
Cash paid for debentures, mortgages, etc.  (not extended), $278,384.75.
Cash paid for other expenditure '.  1,944 72
Total  expenditure    $ 292,977 54
Returns fob British Columbia.
Bond of guarantee company in lieu of deposit  $ 25,000 00-
Assets (agents) balances)     1,819 2S
Liabilities     4,854 21
Premiums written, less return premiums    10,337 15
Losses incurred, net    179 21
Losses paid, net     51 21
Net amount at risk    394,659 00; 7 Geo. 5 British Columbia. P 33
MECHANICS & TRhADERS 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. II. Tryon, Secretary     Hartford, Conn.
Directors.
J. P. Baldwin. John Grote. W. B. Thompson.
W. A. Kernaghan. B. C Casanas. II. A. Smith.
Philip Werlein. Geo. K. Pratt. S. T. Maxwell.
R. L. Emery. Hart D. Newman.
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, 1916.
Assets.
Cash value of real estate, less encumbrances  $    23,500 00
Cash value   (excluding interest and  dividends)   of stocks,  shares,  bonds,  debentures,  etc   1,219,886 00
Cash on deposit to the Company's credit and not drawn against on December 31st,
1916      182,028 44
Agents' balances representing business written subsequent to October 1st, 1916 ...     155,408 19
Agents'  balances  representing  business  written  prior  to   October  1st,  1916   (not
extended), $1,173.88.
Interest due or accrued and unpaid         22,633 74
Due from other companies for reinsurance on losses already paid  4,573 32
Total  assets    $1,608,029 69
Liabilities.
Claims or losses adjusted   $    15,474 10
Claims or losses resisted          12,155 22
Claims or losses in suspense, or supposed, or reported       192,164 44
$   219,793 76
Deduct reinsurance due or accrued        125,320 90
Net amount of losses or claims unpaid $ 94,472 86
Total reserve of unearned premiums for all outstanding risks  582,366 11
Other reserves    20,000 00
Total amount of liabilities   696,838 97
Capital stock paid up  300,000 00
Total of liabilities and paid-up capital   $   996.83S 97
Excess of assets over such total $  611,190 72
3 P 34 Report of the Superintendent of Insurance, 1917
:    . , Receipts.
Net premiums received in cash $ 665,882 00
Cash received for interest    62,186 93
Cash received from rents   3,600 00
Borrowed money   (repaid)  40,000 00
Cash from all other sources  4,490 28
Total  receipts    $ 776.159 21
Expenditure.
Cash paid to agents for commission, salaries, and bonus  $ 120,429 38
for law costs    2.208 84
„   fuel and light   712 50
„   investigation and adjustment of claims    5,953 12
„   statutory assessment and licence fees     17,693 03
„   travelling expenses     12,778 31
„   rent and taxes  24,056 21
„   salaries, directors' and auditors' fees .<,  65,039 09
„   printing, stationery, and advertising   9,008 49
„   postage, telegrams, and express    5,036 92
„   other expenses     16,085 07
Total expenses of management   $ 279,000 96
Net amount paid for losses occurring prior to 1916   S4.395 84
Net amount paid for losses occurring during 1916  258,210 69
Cash paid for repayment of loans   40,000 00
Cash paid for other expenditure   13,158 80
Total expenditure  $   674,766 29
Returns for British Columbia.
Bond of guarantee company in lieu of deposit  $ 25,000 00
Assets   (agents' balances)  1,548 74
Liabilities     4.170 04
Premiums written, less return premiums    7,662 06
Losses incurred, net     1,845 60
Losses paid, net       1.906 58
Net amount at risk        428,000 00 7 Geo. 5 British Columbia. P 35
MERCHANTS FIRE ASSURANCE CORPORATION OF NEW YORK.
Head Office—New York, N.Y.
Officers.
Edward L. Ballard, President    New York, N.Y.
Alden C Noble, Vice-President and Secretary   '  New York, N.Y.
William B. Carter, Secretary   New York, N.Y.
Alfred A. Moser, Assistant Secretary    New York, N.Y.
Directors.
Edward L. Ballard. Edgar L. Marston. Alexander V. Roe.
Charles W. Ballard. Stephen C.  Millett. Hubert E. Rogers.
Bertram Cutler. Samuel T. Morgan. John D. Rockefeller. Jr.
Frederick M.'Hilton. Alden C Noble. Finley J. Shepard.
John C Luke.
Amount deposited with the Government of British Columbia:  Bond of the Canadian 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, 1916.
Assets.
Cash value of mortgages, exclusive of interest  $   339,300 00
Cash  value   (excluding  interest  and  dividends)   of  stock,   shares,   bonds,   debentures,  etc   1,246,295 00
Actual cash on hand at Head Office   250 00
Cash on deposit to the Company's credit and not drawn against on December 31st,
1916           67,923 93
Agents' balances representing business written subsequent to October 1st, 1916 ....     161.358 44
Agents' balances  representing  business written prior to  October 1st,   1916   (not
extended). $14,610.61.
Interest due or accrued and unpaid         12,184 26
Total assets    $1,827,311 63
Liabilities.
Claims or losses adjusted   $       7,943 00
Claims or losses resisted   '  3,333 00
Claims or losses in suspense, or supposed, or reported       224,415 00
$   235,691 00
Deduct reinsurance due or accrued        108,425 00
Net amount of losses or claims unpaid  $   127,266 00
Total reserve of unearned premiums for all outstanding risks      573,538 36
Other reserves        100,000 00
Total of liabilities   $  800,804 36
Capital stock paid up        400,000 00
Total of liabilities and paid-up capital   $1,200,804 36
Excess of assets over such total  $   626,507 27 P 36
Report of the Superintendent of Insurance,
1917
Receipts.
Net premiums received in cash	
Cash received for interest 	
Cash received for calls on capital stock	
Cash received for debentures, mortgages, etc.  (not extended), $657,808.92.
Cash from all other sources  	
.$   786,832 58
69,909 01
.     200,000 00
45,000 00
Total receipts  $1,101,741 59
Expenditure.
Cash paid to agents for commission, salaries, and bonus
for law costs  	
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  	
Net amount paid for losses during the year  	
Cash paid for dividends 	
Cash paid for repayment of loans   '	
Cash paid for debentures, mortgages, etc. (not extended), $1,110,499.50.
117,209 98
428 67
5,598 13
327 73
4,090 33
652 59
15,235 00
64,560 08
3,462 37
1,917 09
9,191 90
222,673 87
311,781 07
45,750 00
40,000 00
Total expenditure  $   620,204 94
Returns for British Columbia.
Bond of guarantee company in lieu of deposit
Assets   (agents'  balances)   	
Liabilities 	
Premiums written, less return preroiunis  	
Losses incurred, net   	
Losses paid, net  	
Net amount at risk  	
25,000 00
776 62
3,965 26
8,713 56
5,807 61
5,648 61
537.52S 00
MICHIGAN COMMERCIAL INSURANCE COMPANY.
Head Office—Lansing, Mich.
This Company has ceased to transact business in British Columbia. 7 Geo. 5
British Columbia.
P 37
MICHIGAN FIRE & MARINE INSURANCE COMPANY.
Head Office—Detroit, Mich.
Officers.
D. M. Ferry, Jr., President  Detroit, Mich.
E. J. Booth, Vice-President  Detroit, Mich.
H. E. Everett, Secretary    Detroit, Mich.
F. A. Schulte, Treasurer    Detroit, Mich.
Directors.
Geo. H. Barbour. H. E. Everett. William H. Murphy.
J. W. Beaumont. D. M. Ferry, Jr. Chas. L. Palms.
Wm. T. Benallack. E. P. Hammond. F. A. Schulte.
E. J. Boorh. F. J. Hecker. James D. Standish.
Lem. W. Bowen. William R. Hees. Wm. P. Stevens.
Lawrence D. Buhl. Carl A. Henry. J. W. Thompson.
Charles B. Calvert. Chas. C. Jenks. M. B. Whittlesey.
James Cravens. Walter C Mack. 0. M. Wilkinson.
Clinton Goodloe Edgar. Philip II. McMillan.
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, 1916.
Assets.
Cash value of real estate, less encumbrances  $ 367 90
Cash value of mortgages, exclusive of interest   521,945 00
Cash  value   (excluding  interest  and  dividends)   of  stock,   shares,   bonds,   debentures, etc  832,583 00
Actual cash on hand at Head Office   16,434 71
Cash on deposit to the Company's credit and not drawn against on December Slst,
1916      67,162 04
Agents' balances representing business written subsequent to October 1st, 1916 .. . 206,183 05
Agents'   balances  representing  business   written  prior   to   October   1st,  1916   (not
extended), $5,348.-82.
Interest due or accrued and unpaid   21,153 55
Amount of all other assets    100 00
Total assets   $1,665,929 25
Liabilities.
Claims or losses adjusted   $    26.S78 75
Claims or losses resisted    5,250 00
Claims or losses in suspense, or supposed, or reported        54,784 82
$    86,913 57
Deduct reinsurances due or accrued         17,508 88
Net amount of losses or claims unpaid  $    69,404 69 P 38                         Report of the Superintendent of Insurance, 1917
Liabilities—Concluded.
Brought forward  $ 69,404 69
Total reserve of unearned premiums for all outstanding risks   772.32S 73
Dividends declared and remaining unpaid    20,000 00
Amount due or accrued for commission and agency   2,719 45
Taxes  (estimated)     9,000 00
Total amount of liabilities  $   S73,452 87
Capital stock paid up     400,000 00
Total of liabilities and paid-up capital  $1,273,452 87
Excess of assets over such total   $   392,476 38
Receipts.
Net premiums received in cash $ 790.187 45
Cash received for interest  67,142 61
Cash from all other sources   1,824 37
Total  receipts    $   859,154 43
Expenditure.
Cash paid to agents for commission, salaries, and bonus  $ 198,763 42
for law costs   1.362 78
„   investigation and adjustment of claims   7,561 52
„   interest, discount, and exchange     343 18
„   statutory assessment and licence fees     13,513 14
„   travelling expenses    27,917 42
„   rent and taxes    29,210 19
.,   salaries,  directors'  and auditors' fees    27,525 36
„   printing, stationery, and advertising    21,036 40
„   postage, telegrams, and express    4,005 20
„   other expenses     24.442 99
Total expenses of management    $ 355,681 60
Net amount paid during the year for losses   397.859 46
Cash paid for dividends   40,000 00
Cash paid for other expenditure   6,841 50
Total expenditure  $ 800,382 50
Returns for British Columbia.
Bond of guarantee company in lieu of deposit  $ 25,000 00
Assets (agents' balances)  978 82
Liabilities  4,926 23
Premiums written, less return premiums    7,536 77
Losses incurred, net   2,668 85
Losses paid, net    1,964 25
Net amount at risk    564.240 00 7 Geo. 5 , British Columbia. P 39
MINNEAPOLIS FIRE & MARINE INSURANCE COMPANY.
Head Office—Minneapolis, Minn.
Oncers.
Fred C. van Dusen, President      Minneapolis, Minn.
J. D. McMillan, Vice-President      Minneapolis, Minn.
Alfred Stinson, Vice-President     Minneapolis, Minn.
Walter C Leach, Secretary    Minneapolis, Minn.
J. R. Marfield, Treasurer    Minneapolis, Minn.
Directors.
F. C van Dusen. J.' R.  Marfield. Geo. C Bagley.
J. D. McMillan. A. Stinson. C A. Brown.
P. L. Howe. W. C Leach. H. F. Douglas.
Chas. W. Sexton.
Amount deposited with the Government of British Columbia:  Bond of the Canadian Surety
Company for $25,000 in lieu of deposit.
Authorized capital   $200,000 00
AmoBnt subscribed       200,000 00
Amount paid      200,000 00
Statement for the Year ended December 31st, 1916.
Assets.
Cash value of mortgages, exclusive of interest  $   3S2,350 00
Cash  value   (excluding  interest  and   dividends)   of  stock,   shares,  bonds,  debentures, etc      197,874 37
Actual cash on hand at Head Office     15,928 79
Cash on deposit to the Company's credit and not drawn against on December 31st,
1916        90,319 89
Agents' balances representing business written subsequent to October 1st, 1916 ....       43,678 21
Agents'  balances  representing  business  written  prior  to  October  1st,   1916   (not
extended), $775.52.
Interest due or accrued and unpaid         12,942 92
Office furniture (not extended), $2,500.
Plans (not extended), $12,000. 	
$   743,094 18
Deduct commissions due on reinsurance, Globe Fire Insurance Company  2,480 21
Total assets    , $  740,613 97
Liabilities.
Claims or losses in suspense, or supposed, or reported  $     90,848 71
Deduct reinsurance due or accrued          21,916 14
Net amount of losses or claims unpaid $    68,932 57
Total reserve of unearned premiums for all outstanding risks       395,552 71
Reserve for taxes based on the business covered by the statement        14,227 00
Total amount of liabilities $   478,712 28
Capital stock paid up       200,000 00
Total of liabilities and paid-up capital   $   678,712 28
V 	
Excess of assets over such total   $    61,901 69 P 40 Report of the Superintendent of Insurance, 1911
Receipts.
Net premiums received in cash  $ 741,102 29
Cash received for interest     36,445 52
Cash received for debentures, mortgages, etc.  (not extended), $165,700.
Cash from all other sources    312 65
Total   receipts    $   777,860 46
Expenditure.
Cash paid to agents for commission, salaries, and bonus   $ 100,490 44
for law costs    351 03
investigation and adjustment of claims    13,150 45
interest, discount, and exchange    1,332 91
statutory assessment and licence fees    8,499 90
travelling expenses     26,002 18
rent and taxes  18,670 87
salaries, directors' and auditors' fees    61,792 61
printing, stationery, and advertising   10,043 75
postage, telegrams, and express    6,297 50
other expenses     12,723 17
Total expenses of management   $ 259,354 SI
Net amount paid for losses occurring prior to 1916   23,286 96
Net amount paid for losses occurring during 1916   465,592 83
Cash paid for dividends  20,000 00
Cash paid for debentures, mortgages, etc.  (not extended), $136,700.
Total expenditure   $   768,234 60
Returns for British Columbia.
Bond of guarantee company in lieu of deposit   $ 25,000 00
Assets   (agents' balances)     1,724 67
Liabilities  7.601 16
Premiums written, less return premiums  10,268 54
Losses incurred,  net  2,462 27
Losses paid, net     1,962 92
Net amount at risk    890,952 00 7 Geo. 5 , British Columbia. P 41
NATIONAL  BENEFIT  LIFE  &   PROPERTY   ASSURANCE   COMPANY,   LIMITED.
Head  Office—Loudon,  England.
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. II. Gordon Jeaffreson.
H. H. Holford. Sir Francis Lowe. M.P.
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   0   0
Amount subscribed       104,805    0    0
Amount paid        47,291 10    0
Statement for the Year ended December 31st, 1916.
Assets.
£       s. d.
Mortgages on property within the United Kingdom    561,664   5 0
Loans on the Company's policies within their surrender value   11,400    7 2
Loan on reversion    180   0 0
Loans on personal security     4,729    0 0
Investments, deposit with the High Court—
India 3% Stock, at cost   £   6.370    0   0
India 3%% Stock, at cost         5,628 15    0
2%% Consols, at cost       8,001    5   0
  20,000    0 0
British Government securities, at cost    17.743    1 9
Treasury bills, at cost  >.  32,479 15 4
Colonial Government securities, at cost     9,891    0 0
Colonial Provincial securities, at cost   ;..  1,099 13 3
Colonial municipal securities,  at cost    10,162   9 6
Foreign Government securities, at cost   47,857   7 4
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, at cost    11,986 13 8
House and office property, at cost   10,995   4 0
Agents' balances, less reserve  ..........:  60,109 14 1
Amounts due from other companies and brokers, less reserve    69.084 14 3
Debtors, sundry  1,826   0 10
Outstanding premiums   7,487   9 10
Deposits with other companies in respect of reinsurances   23,004 11 1
Outstanding interest, dividends, and rents    5,676   2 10
Life Department Establishment Account     5,893    1 9
Furniture and fixtures at Head Office and branches, less depreciation written off 1,964   6 2
Cash on deposit £ 14.464    5    8
Cash in hand and on current account       37,236   0 11
    51.700    6    7
£979,105 13 P 42 Report of the Superintendent of Insurance, 1917
Liabilities.
Shareholders' capital paid up  £ 47,291 10 0
Life Assurance Fund   22,308    0 0
Fire and General Insurance Fund   5,33S 11 4
Marine Insurance Fund    43,441   6 2
Bond Investment and Endowment Certificate Fund   600,000    0 0
Investment Reserve Fund  17,000   0 0
Profit and Loss Account   3.506 14 4
£       s.   d.
738,8S6    1 10
Claims admitted or intimated, but not paid—
Life assurance  £ 908   0   0
Fire insurance   7.057 18    5
General insurance  c  1,414    2    6
Marine insurance     6,978   9   9
Bond investment    2,050    4 10
 1S,40S 15 6
Deposits        29,721 16 1
Creditors' and credit balances, including amounts due to other companies     84,075   3 7
Deposits from other companies in respect of reinsurances   108,013 16 5
£979,105 13    5
Marine Insurance Department (Revenue Account).
£       s.   d.
Claims paid and outstanding after deduction of reinsurances    43.703 19 10
Expenses of management, including commission -. 13,680 19 10
Bad debts   4 17   6
Amount carried to Profit and Loss nAccount    20,549    1 10
Balance, subject to unexpired risks   43,441   6   2
£121,3S0    5    2
£       s. d.
Balance at the beginning of the year     12,237 13 3
Premiums, less reinsurances      108,603   5 4
Interest    £    616 17    8
Less income-tax thereon   77 11   1
         539   6 7
£121,3S0    5 2
Life Department (Revenue Account).
£       s. d.
Claims under policies paid and outstanding by death        3.872   7 S
Surrenders            106 11 6
Commission       1,135 13 9
Expenses of management    £   2,938 18   6
Less amount transferred to Establishment Account        1,469    9   3
      1,469    9 3
Amount of Life Assurance Fund at the end of the year      22,308   0 0
£ 28,892    2    2 7 Geo. 5 British Columbia. P 43
Life Department (Revenue Account)—Concluded.
£       s.   d.
Amount of Life Assurance Fund at the beginning of the year       7,771    0 10
Premiums, less reassurances       11,344    5    6
Interest on deposit with the High Court   £      70S IS    8
Less income-tax thereon   163 IS 10
         544 19 10
Interest  (general)    £      695 19   0
Less income-tax thereon  100    7    9
         595 11    3
Fees, etc  12 18   9
Amount carried from Profit and Loss Account        8,623    6   0
£ 28,892    2    2
Fire and General Insurwncc Departments (Revenue Account).
£       s. d.
Claims paid and outstanding      32,946   2 3
Commissions       6,451 15 11
Expenses of management, etc       7,654 10 7
Balance, subject to unexpired risks       5,33S 11 4
£ 52,391   0 1
£       s. d.
Amount of funds at the beginning of the year        5,S34 10 5
Premiums, less reinsurances        43,275 19 0
Interest, less income-tax thereon   '.            94 18 9
Amount carried to Profit and Loss Account        3,185 11 11
£ 52,391   0 1
Bond Investment and Endowment Certificate Department (Revenue Account).
£       s. d.
Claims under bonds and certificates paid and outstanding      20,697 17 1
Commission          2,612    6 10
Expenses of management         7,813   3 6
Agency  expenses       1,297    5 3
Organization and Extension Account         5,970    0 11
Interest on fully paid bonds         2,440 15 8
Trustees' fees            100    0 0
Loss on mortgages realized   101 13   5
Bad debts           150   0 0
Amount carried to Profit and Loss Account        1,435 12 0
Amount of Bond Investment and Endowment Certificate Fund at end of year ...  600,000   0 0
£642,61S 14 8
£       s. d.
Amount of Bond Investment and Endowment Certificate Fund at beginning of year 565,000    0 0
Premiums      -51,478 13 10
Interest, dividends, and rents  £ 28,547    1    6
Less income-tax claimed and allowed        3,034   9   0
 25,512 12 6
Transfer and other fees           627    8 4
£642,618 14 8 P 44 Report of the Superintendent of Insurance, 1917
Profit and Loss Account.
£       s.   d.
Dividends to shareholders, less tax  4.389   0   4
Interest on deposits, less tax   953 13    2
Directors' fees  650   0   0
Depreciation of furniture, etc  217   2 11
Transferred to Investment Reserve Fund  1.000    0    0
Transferred to Special Reserve   6,150    7    0
Transferred to Life Assurance Account   8,623   6   0
Transferred to Fire and General Insurance Account   3,185 11 11
Balance  3.506 14    4
£ 28.675 15    8
£       s. d.
Balance of last year's account       5,103   5 7
Interest and dividends not carried to other accounts  £   1,606    3    S
Less income-tax thereon   158    1   5 .  I
 1,448    2 3
Profit on investments realized          139 14 0
Transferred from Bond Investment Account       1,435 12 0
Transferred from Marine Insurance Account      20,549   1 10
£ 2S.675 15
Returns for British Columbia.
Deposit with Government (municipal securities, etc.)   (par)   $ 27,233 32
Other assets (agents' balances, cash in bank, etc.)    To be furnished.
Liabilities    To be furnished.
Premiums written, less return premiums      14,746 87
Losses incurred, net   '.. ..      2,746 97
Losses paid, net          2,156 57
Net amount at risk  To be furnished
NEWARK FIRE INSURANCE COMPANY.
Head Office—Newark. N.J.
Officers.
E. J. Haynes. President     Newark, N.J.
George F. Reeve, Vice-President    Newark, N.J.
T. L. Farquhar,  Secretary    Newark, N.J.
T. D. Richardson, Treasurer     Newark, N.J.
Directors.
%
J. H. Bacheller. Edgar J. Haynes. George F. Reeve.
Joseph M. Byrne. James S. Higbie. Joseph M. Riker.
Franklin Conklin. Uzal H. McCarter. Alfred F. Skinner.
Winton C. Garrison. Walter  S. Nichols. Joseph Ward, Jr.
j Herbert P. Gleason. Merritt G. Perkins. 7 Geo. 5 British Columbia. P 45
iimount 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, 1916.
Assets.
Cash value of real estate, less encumbrances $   195,263 13
Cash value of mortgages, exclusive of interest  446,167 45
Cash  value   (excluding  interest  and  dividends)   of  stock,   shares,  bonds,   debentures,  etc   1,174,205 00
n4.ctual cash on hand at Head Office   466 61
Cash on deposit to the Company's credit and not drawn against on December 31st,
1916  179,437 89
nlgents' balances representing business written subsequent to October 1st, 1916 ... 243,265 46
Agents'  balances  representing  business  written  prior  to   October  1st,  1916   (not
extended), $4,347.37.
Bills receivable less than one year overcne  1,732 95
Bills receivable one year or more overdue (not extended), $180.56.
Interest due or accrued and unpaid    17,137 92
Due from other companies for reinsurance on losses already paid  13,606 09
Amount of all other assets    200 00
Total assets $2,271,482 50
Liabilities.
Claims or losses adjusted   $    28,850 00
Claims or losses resisted         15,990 00
Claims or losses in suspense, or supposed, or reported       263,115 08
$   307,955 08
Deduct reinsurance due or accrued        106,119 00
Net amount of losses or claims unpaid  $   201,836 08
Total reserve of unearned premiums for all outstanding risks   1,131 090 65
Other reserves           17,500 0O
Dividends declared and remaining unpaid  9,063 10
.Amount due or accrued for salaries and commission   3,049 59
Total amount of liabilities   $1,362,539 42
Capital  stock paid up         500,000 00
Total of liabilities and paid-up capital   $1,862,539 42
Excess of assets over such total   $   408,943 08
Receipts.
Net premiums received in cash   $1,318,768 63
Cash received for interest         80,426 08
Cash received from rent  285 00
Cash received for debentures, mortgages, etc.  (not extended), $76,523.91.
Cash from all other sources    25 93
Total  receipts' $1,399,505 64 P 46
Report of the Superintendent of Insurance.
1917
Expenditure.
Cash paid to agents for commission, salaries, and bonus
for law costs  	
„   fuel and light 	
„ investigation aud 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  	
Net amount paid for losses occurring prior to 1916 	
Net amount paid for losses occurring during 1916 	
Cash paid for dividends 	
Cash paid for debentures, mortgages, etc. (not extended), $86,733.11.
302,439 64
794 60
2,405 11
19,270 91
6,826 84
18,995 ,86
40,618 12
105,697 60
14,512 33
6,758 02
40.170 14
55S.549 17
176,883 09
520,151 95
69.632 95
Total expenditure  $1,325,217 16
Returns for British Columbia.
Bond of guarantee company In lieu of deposit
Assets  ,	
Liabilities   	
Premiums written, less return premiums
Losses incurred, net   	
Losses paid, net	
Net amount at risk	
.$    25,000 00
9,283 08
14.880 58
3,989 47
2,970 C5
.     884,967 00
NEW JERSEY FIRE INSURANCE COMPANY.
Head Office—Newark,, N.J.
Officers.
Geo. A. Viehmann, President.
Albert E. Hartcorn, Vice-President.
Gresham Ennis, Secretary.
Frank L. Brokan, Treasurer.
Directors.
R. V. Adams. Albert E. Hartcorn. Rudolph F. Rabe.
Charles L. Auger. George T. Hatt. E. E. Sargeant.
John A. Forster. Thomas J. Hillery. George N. Seger.
George A. Gaston. Frank Jennings. Cecil P. Stewart.
Edwin B. Goodell. J. R. Mueller. George 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 7 Geo. 5                                             British Columbia. P 47
Statement for the Year ended December 31st, 1916.
Assets.
Cash Cash value of real estate, less encumbrances  $ 271,566 73
Cash value of mortgages, exclusive of interest   554,770 00
Loans, other than those secured by mortgages  (not extended), $22,000.
Cash  value   (excluding  interest  and  dividends)   of  stock,  shares,   bonds,   debentures, etc  882,811 82
Actual cash on hand at Head Office   9,441 85
Cash on deposit to the Company's credit and not drawn against on December 31st,
1916     68,026 16
Agents' balances representing business written subsequent to October 1st, 1916 .... 184,484 16
Agents'  balances  representing  business  written prior to  October  1st,   1916   (not
extended), $19,3SS.02.
Interest due or accrued and unpaid  12,908 33
Interest due or accrued and unpaid (not extended), $1,992.
Due from other companies for reinsurance on losses already paid  17,193 91
Amount of all other assets  100 00
Total assets    $2,001,362 96
Liabilities.
Claims or losses adjusted $ 15,605 82
Claims or losses resisted  14,332 53
Claims or losses in suspense, or supposed, or reported   127,157 13
$ 157,095 48
Deduct reinsurances due or accrued   44,105 84
Net amount of losses or claims unpaid $ 112,989 64
Total reserve of unearned premiums for all outstanding risks  565,969 71
Estimated for Federal, State, aud other taxes  10,000 00
Amount due or accrued for salaries and commission   10,000 00
Total amount of liabilities    $ 098,959 35
Capital stock paid up    1,000,000 00
Total of liabilities and paid-up capital   $1,698,959 35
Excess of assets over such total  $ 302,343 61
Receipts.
Net premiums received in cash  $ 779,415 63
Cash received for interest   79,126 35
Cash received from rents   18,988 59
Cash from all other sources   4,399 59
Total  receipts $ 881,930 16 P 48 Report of the Superintendent of Insurance, 1917
Expenditure.
Cash paid to agents for commission, salaries, and bonus  $ 204,503 09
„        for law costs   1,166 17
„          „   investigation and adjustment of claims   6,587 14
„          „   statutory assessment and licence fees   49,044 66
„          ,,   travelling expenses     10,532 48
„   rent and taxes    9,417 80
„          „   salaries, directors' and auditors' fees    64,416 15
„          .,   printing, stationery, and advertising   8,558 59
,,          .,   postage, telegrams, and express    5,356 55
„          ,,   other e.xpenses     31,478 42
Total expenses of management $ 391,061 05
Amount paid for losses occurring prior to 1916  46,954 37
Amount paid for losses occurring during 1916  216,105 42
Total expenditure  $ 654,120 84
Returns for British Columbia.
Bond of guarantee company in lieu of deposit $ 25,000 00
Assets (agents' balances)    2,520 49
Liabilities     6,883 77
Premiums written, less return premiums    13,378 83
Losses incurred, net   2,395 07
Losses paid, net   4,326 07
Net amount at risk    690,214 00
NEW ZEALAND INSURANCE  COMPANY,  LIMITED.
Head Office—Auckland, New Zealand.
This Company has ceased to transact business in British Columbia.
NORTHWESTERN MUTUAL FIRE ASSOCIATION.
Head Office—Seattle, Wash.
Officers.
F. J. Martin, President   Seattle, Wash.
F. A. Ernst, Vice-President  Seattle, Wash.
II. K. Dent, Vice-President   Seattle, Wash.
M. D. L. Rhodes, Secretary   Seattle, Wash.
Jno. C Keith, Treasurer   Seattle, Wash.
Directors.
F. J. Martin. Corwin  S.   Shank. J. H. Edwards.
M. D. L. Rhodes. F. A. Ernst.
niniount deposited with the Government of British Columbia :   Bond of the United States
Fidelity & Guaranty Company for $25,000 in lieu of deposit. 7 Geo. 5 British Columbia. P 49
Statement for the Year ended December 31st, 1916.
Assets.
Cash value of real estate, less encumbrances   $ 21,316 84
Cash value of mortgages, exclusive of interest   40,531 27
Cash  value   (excluding  interest  and  dividends)   of  stock,   shares,  bonds,   debentures, etc #.. 190,533 64
Actual cash on hand at Head Office   10,763 49
Cash on deposit to the Company's credit and not drawn against on December 31st,
1916     98,688 98
Agents' balances representing business written subsequent to October 1st, 1916 .... 95,184 43
Agents'   balances  representing  business  written  prior  to  October  1st,  1916   (not
extended), $16,445.13.
Bills receivable less than one year overdue  9,212 21
Interest due or accrued and unpaid   4,448 29
Due from other companies for reinsurance on losses already paid   1,411 64
Advance for reinsurance    14,003 42
Office furniture (not extended), $8,990.85.
Total assets    $ 486,094 21
Liabilities.
Claims or losses resisted $ 1,966 65
Claims or losses in suspense, or supposed, or reported  18,964 02
$ 20,930 67
Deduct reinsurance due or accrued  500 00
Net amount of losses or claims unpaid  $ 20,430 67
Total reserve of unearned premiums for all outstanding risks   317,219 04
Premiums paid in advance    2,391 77
Amount due or accrued for commission    5,50S 41
Reserve for taxes (estimated)     7,800 00
Total amount of liabilities    $ 353,349 89
Excess of assets over such total  $ 132,744 32
Receipts.
Net. premiums received in cash   $ 650,548 3S
Cash received for interest     14,369 33
Cash received from rents   780 00
Cash received for debentures, mortgages, etc.  (not extended), $26,082.78.
Cash from all other sources—
Inspection fees   $15,253 66
Premiums collected in advance         875 49
  16,129 15
Total  receipts    $ 681,826 S6 P 50
Report of the Superintendent of Insurance,
1911
Expenditure.
Cash paid to agents for commission, salaries, and bonus
for law costs  	
investigation and adjustment of claims ...
interest, discount, and exchange	
statutory assessment and licence fees 	
travelling expenses  	
?ent and taxes  	
salaries, directors' and auditors' fees  	
printing, stationery, and advertising	
postage,  telegrams,  and  express   	
other expenses  	
$  91,776
87
2,417 42
4,592
59
943
66
13,237
55
395
13
8,200
68
50,573
98
15,055
87
6,731
70
31,257
94
Total expenses of management $ 225,183 39
Net amount paid for losses occurring prior to 1910   13,336 12
Net amount paid for losses occurring during 1916   185,936 26
Cash paid for dividends   206,944 30
Total expenditure  $   631.400 07
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
250 50
4,667 49
8,795 71
611 80
611 SO
578,207 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     New York, N.Y.
H. G. Stephens, Secretary    New York, N.Y.
H. B. Lamy, Jr.. Assistant Secretary   New York, N.Y.
Directors.
L. R. Bowden. C V. Meserole. H. J. Robinson.
Eben Demarest. J. P. Murray. C. L. Rossiter.
Harry D. Gibson, F. T. Nesbit. J. W. Stearns.
J. H. Hancock. C. W. Osborne. H. G. Stephens.
E. C Jameson. E. E. Pearce. M. A. Stone.
H. A. Loth. A. R. Pierson.
Amount deposited with the Government of British Columbia:   Bond of the Canadian Surety-
Company for $25,000 in lieu of deposit.
Authorized capital    $400,000 00
Amount subscribed        400,000 00
Amount paid      400,000 00 7 Geo. 5 British Columbia. P 51
Statement for the Year ended December 31st, 1916.
Assets.
Cash value of mortgages, exclusive of interest  $     72,000 00
Cash  value   (excluding  interest  and  dividends)   of  stock,   shares,   bonds,   debentures, etc      973,035 00
Actual cash on hand at Head Office   3,689 49
Cash on deposit to the Company's credit and not drawn against on December 31st,
1916            69,915 40
Agents' balances representing business written subsequent to October 1st, 1916      200,617 48
Agents'   balances  representing business  written  prior  to  October  1st,   1916   (not
extended), $12,412.14.
Interest due or accrued and unpaid  4,909 48
Due from other companies for reinsurance on losses already paid        13,920 56
Total assets   $1,338,087 41
Liabilities.
Claims or losses adjusted   $   144,728 82
Claims or losses resisted          15,714 00
$   160,442 82
Deduct reinsurance due or accrued         71,508 82
Net amount of losses or claims unpaid  $     88,934 00
Total reserve of unearned premiums for all outstanding risks       510,619 77
Reserve for taxes          9,000 00
Total amount of liabilities   $   608,553 77
Capital stock paid up        400,000 00
Total of liabilities and paid-up capital  $1,008,553 77
Excess of assets over such total  $   329,533 64
Receipts.
Net premiums received in cash   $ 756,623 09
Cash received for interest   51,588 01
Profit on sale of bonds and stocks    2,765 93
Temporary loan   50,000 00
Cash from all other sources  58 12
Total receipts $   861,035 15
Expenditure.
Cash paid to agents for commission, salaries, and bonus  $ 91,963 76
for law costs    545 78
„   investigation and adjustment of claims   12,215 17
„   interest, discount, and exchange   972 72
„   statutory assessment and licence fees   24,727 31
„   travelling expenses     3,883 98
„   rent and taxes    4,176 27
„   salaries, directors' and auditors' fees   63,894 38
Carried forward $   202,379 37 P 52                          Report of the Superintendent of Insurance, 1917
Expenditure—Concluded.
Brought forward  $ 202,379 37
Cash paid for printing, stationery, and advertising    7,389 51
„          ,,   postage, telegrams, and express    6,150 35
„          „   other expenses     15,008 14
Total expenses of management $ 230,927 37
Net amount paid during the year for losses   420,551 OO
Cash paid for dividends   40,000 00
Cash paid for repayment of loans    50,000 00
Loss on sale of bonds and stocks   340 25
Total expenditure  $ 741,818 62
Returns for British Columbia.
Bond of guarantee company in lieu of deposit  $ 25,000 00
Assets   ....
Liabilities     16,151 90
Premiums written, less return premiums    26,139 69
Losses incurred, net   8,351 70
Losses paid, net   0,516 39
Net amount at risk   992,867 00
PACIFIC STATES FIRE INSURANCE COMPANY.
Head Office—Portland, Ore.
Officers.
A. H. Averill, President   Portland, Ore.
F. I. Fuller, Vice-President  Portland, Ore.
T. H. Williams, Secretary   Portland, Ore.
L. G. Clarke, Treasurer   Portland, Ore.
Directors.
A. H. Averill. S. W. Stryker. F. E. Beach.
D. J. Quimsby. C. W. Nottingham. J. H. Bridgeford.
L. G. Clarke. Chester Deering. Manuel Friedley.
C. S. Frank.
Amount deposited with the Government of British Columbia:   City of New Westminster
3-year 6-per-cent. Gold Treasury Notes, $25,OC0 (par).
Authorized capital     $1,000,000 00
Amount subscribed   582,200 00
Amount paid—
Shares paid in full   363,100 00
Shares, payments on account of  57,511 33 Statement for the Year ended December 31st, 1916.
Assets.
Cash value of real estate, less encumbrances  $ 33,951 50
Cash value of mortgages, exclusive of interest   346,057 51
Loans, other than those secured by mortgages   552 45
Cash  value   (excluding  interest  and  dividends)   of  stock,   shares,   bonds,   debentures,  etc  113,809 60
Actual cash on hand at Head Office   7,S09 33
Cash on deposit to the Company's credit and not drawn against on December Slst,
1916  55.46S 65
Agents' balances representing business written subsequent to October 1st, 1916 .... 22,259 76
Agents'  balances  representing business  written  prior to  October  1st,  1916   (not
extended), $4,956.80.
Bills receivable less than one year overdue (not extended), $1,195.03.
Interest due or accrued and unpaid   7,446 43
Taxes and other advances on mortgages recoverable   1,839 99
Calls on capital stock outstanding in course of collection (not extended), $535,820.
Contingent commissions for 1916 on reinsurance contracts   2,579 22
Due from other companies for reinsurance on losses already paid  376 85
Total assets    $ 592,151 29
Liabilities.
Claims or losses adjusted   $ 8,105 01
Claims or losses in suspense   45 50
$ 8,151 11
Deduct reinsurance due or accrued  3,763 65
Net amount of losses or claims unpaid  $ 4,387 46
Total reserve of unearned premiums for all outstanding risks   67.304 72
Amount due or accrued for salaries and commission  9,413 36
Estimated amount hereafter payable for Federal, State, and other taxes based upon
the year of this statement  1,500 00
Total amount of liabilities    $ 82,605 54
Capital stock paid up in full  363,100 00
Capital stock, payments on account    57.511 33
Total of liabilities and paid-up capital  $ 503,216 87
Excess of assets over such total $ S8,934 42
Income.
Net premiums    $ 65,900 57
Cash received for interest  38,963 68
Cash received from rents   282 50
Cash received from calls on capital stock   5,305 78
Commission received on reinsurance premiums   33,336 78
Commission on stock and payments forfeited in adjusting stock subscription contracts 6,036 IS
Outstanding stock subscriptions taken into general books   535.S20. 00
Agents' balances previously charged off   35 31
Increase of value of stock once charged off  *... 850 00
Total receipts  $ 686,530 80 P 54 Report of the Superintendent of Insurance, 1917
Disbursements.
Cash paid to agents for commission, salaries, and bonus , $ 23,784 25
for law costs    1,697 40
„          „   investigation and adjustment of claims    2,365 29
„          „   interest, discount, and exchange   30 50
„          „   statutory assessment and licence fees    2,709 46
„          „   travelling expenses    558 60
„          „   rent and taxes    3,138 81
„          „   salaries, directors' and auditors' fees    17,999 37
„          „   printing, stationery, and advertising   4,570 11
„          ,,   postage, telegrams, and express    1,618 61
„          „  other expenses    :  16,522 09
Total expenses of management   $ 74.994 49
Net amount paid for losses occurring prior to 1916   23,929 23
Net amount paid for losses occurring during 1916   16,118 57
Transfers from partial payments on capital stock to fully paid stock  18,200 00
Transfers by  adjustment from partial  payments on  capital  stock to  stock commissions and forfeiture  5,711 18
Agents' balances charged off  4,562 17
Total disbursements $ 143,515 64
Returns for British Columbia.
Deposit with Government  (par)    $ 25,000 00
Other assets (agents' balances, accrued interest, and mortgage)    3,947 61
Liabilities     2,341 63
Premiums written, less return premiums    4,251 89
Losses incurred, net    201 50
Losses paid, net    156 00
Net amount at risk  26L2S0 00
RELIANCE INSURANCE COMPANY OF PHILADELPHIA.
Head Office—Philadelphia, Pa.
Officers.
Win. Chubb, President     Philadelphia, Pa.
Chas. J. Wister, Vice-President and Secretary    Philadelphia, Pa.
Directors.
m
John B. Morgan. Samuel Bispham. R. Franc-is Wood.
William Chubb. Cornelius Stevenson. John A. Richmond.
Edward K. Bispham. Chas. J. Wister. George R. Packard.
Alex. W. Wister. 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 €0 7 Geo. 5                                             British Columbia. P 55
Statement for the Year ended December 31st, 1916.
Assets.
Cash value of real estate, less encumbrances  $ 134,000 00
Cash value of mortgages, exclusive of interest   39,000 00
Cash value   (excluding  interest and  dividends)   of  stock,   shares,   bonds,  debentures, etc    1,081,550 00
Actual cash on hand at Head Office  2,632 03
Cash on deposit to the Company's credit and not drawn against on December Slst,
1916     97,671 23
jVgents' balances representing business written subsequent to October 1st, 1916 .... 177,7S9 57
Agents'  balances  representing  business  written  prior to   October  1st,  1910   (not
extended), $1,217.82.
Interest due or accrued and unpaid  13,571 26
Rents due or accrued and unpaid   370 90
Due from  American Union  Insurance  Company,  in  liquidation   (not  extended),
$3,562.49.
H-vmount of all other assets   1,010 00
Total assets    $1,547,594 99
Liabilities.
Claims or losses adjusted   $ 34,336 71
Claims  or losses  resisted     5,377 77
Claims or losses in suspense, or supposed, or reported   100,620 44
$ 140,334 92
Deduct reinsurance due or accrued   53,082 12
Net amount of losses or claims unpaid  $ 87,252 80
Total reserve of unearned premiums for all outstanding risks   832,424 33
Reserve for taxes   (estimated)     7,990 00
Amount due or accrued for stationery, printing, advertising, and commission  14,115 51
Total amount of liabilities   $ 941,782 64
Capital stock paid up   ,  400,000 00
Total of liabilities and paid-up capital  $1,341,782 64
Excess of assets over such total   $ 205,812 35
Receipts.
Net premiums received in cash   $ 675,655 93
Cash received for interest   50,748 92
Cash received from rents   8,775 00
Cash received for debentures, mortgages, etc. (not extended), $14,745.
Cash from all other sources    3,069 IS
• Total  receipts    $ 738,249 03 P 56
Report of the Superintendent of Insurance,
1917
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  	
Net amount paid for losses occurring prior to 1910	
Net amount paid for losses occurring during 1916 	
Cash paid for dividends   	
Cash paid for debentures, mortgages, etc. (not extended), $22,610.
Cash paid for other expenditure 	
.$   158,220 56
92 70
733 92
9,515 96
7,222 90
16,162 27
40,605 27
74,658 26
8,868 29
6,260 42
2S.454 44
.$ 350,794 99
83,464 81
. 292,650 98
24,000 00
1.471 94
Total expenditure  $   752.3S2 72
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
2,231 83
5,773 64
13,538 84
1,710 21
1,678 78
579,839 00
RHODE ISLAND INSURANCE COMPANY.
Head Office—Providence. R.I.
Officers.
George L. Shepley, President    Providence. R.I.
Emil G. Pieper. Vice-President and Secretary    Providence, R.I.
Directors.
Walter Callender. Lyman B. Goff. Frank N. Phillips.
Henry A. Carpenter. Walter S. Hackney. George C Phillips.
Samuel Pomeroy Colt. C H. Hutchins. Emil G. Pieper.
Louis H. Comstock. Benjamin A. Jackson. George L. Shepley.
Michael F. Dooley. Samuel M. Nicholson. Byron S. Watson.
Darius L. Goff. Frederick S. Peck. William M. Wood.
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 7 Geo. 5                                             British Columbia. P 57
Statement for the Year ended December 31st, 1916.
Assets.
Cash  value   (excluding interest  and  dividends)   of  stock,   shares,   bonds,   debentures, etc $1,382,675 00
Cash on deposit to the Company's credit and not drawn against on December 31st,
1916     99,395 32
Agents' balances representing business written subsequent to October 1st, 1916  255,772 87
Cash deposited with Philadelphia Underwriters' Association   100 00
Interest due or accrued and unpaid   10,088 67
Due from other companies for reinsurance on losses already paid  6,077 66
Total assets    $1,754,109 52
Liabilities.
Claims or losses adjusted   $ 19,132 71
Claims or losses resisted    1,246 94
Claims or losses in suspense, or supposed, or reported  116,842 3S
$ 137,222 03
Deduct reinsurance due or accrued   53,084 18
Net amount of losses or claims unpaid  .$ 84,137 85
Total reserve of unearned premiums for all outstanding risks   767,441 45
Amount due for taxes and commission   102,405 05
Total amount of liabilities $ 953,984 35
Capital stock paid up    400,000 00
Total of liabilities and paid-up capital  $1,353,984 35
Excess of assets over such total   $ 400,125 17
Receipts.
Net premiums received in cash  $ 874,388 28
Cash received for interest    59,059 75
Cash received for debentures, mortgages, etc.  (not extended), $109,120.
Cash from all other sources  . 3,652 30
Total  receipts    $ 937,100 33
Expenditure.
Cash paid to agents for commission, salaries, and bonus  $ 2S8,548 15
„         for investigation and adjustment of claims  10,S81 00
„          „   taxes, assessments, licences, and fees  52,067 89
„          „   printing, stationery, and advertising   515 60
.,   postage, telegrams, and express  258 89
„          „   other e-xpenses     455 25
Total expenses of management  $ 352,726 78
Net amount paid for losses occurring prior to 1916    111,832 OS
Net amount paid for losses occurring during 1916   269,502 79
Cash paid for dividends    40,000 00
Cash paid for debentures, mortgages, etc. (not extended), $157,072 75.
Total   expenditure    $ 774,061 65 Returns for British Columbia.
Bond of guarantee company in lieu of deposit  $ 25,000 00
Assets  (agents' balances)     294 74
Liabilities    .'  2,374 28
Premiums written, less return premiums    3,940 42
Losses incurred, net  419 33
Losses paid, net    2,577 13
Net amount at risk    293,466 00
SVEA FIRE & LIFE INSURANCE COMPANY.
Head Office—Gothenburg, Sweden.
Officers.
Johan E. Ekman, President.
Carl Lamberg, Vice-President.
C. A. Hjelm, Secretary.
Directors.
Ernst Bring. Bertil Wijk. Th. Willerding.
Axel Carlander. Conrad M. Pineus. Carl Kindal.
Th. Wejkander. Axel H. .Agren. M. Murray.
nAmount 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        1,600,000 00
Statement for the Year ended December 31st, 1916.
Assets.
Value of real estate  $ 508,266 67
Mortgage loans on real estate  6,989,998 26
Loans secured by pledge of bonds, stocks, or other collateral   2,655,536 22
Value of bonds and stocks  5,801,390 S7
Deposit in trust companies and banks   547,943 90
Agents' balances representing business written subsequent to October 1st, 1916 ... 717,860 38
Interest due or accrued  177,815 09
Due from other companies    374,404 33
Other assets    88,853 95
Premiums in course of collection, December 31st   82,208 16
Office furniture  2,666 67
Total assets   $17,946,944 50 7 Geo. 5 British Columbia. P 59
Liabilities.
Gross losses adjusted or in process of adjustment and in suspense $    406,824 SO
Deduct reinsurance    .-        120,691 47
Net amount of unpaid losses and claims  $    2S6,133 33
Reserve of unearned premiums on all unexpired fire risks     1,305,650 67
Net premium reserve and all other liabilities, except capital, under the life insurance
or any other special department   11,673.544 17
Dividends declared and unpaid  24,708 00
All other liabilities           955,334 49
Total amount of liabilities $14,245,370 66
Capital stock paid up     1,600,000 00
Total of liabilities and paid up capital $15,845,370 66
Excess of assets over such total $ 2,101,573 84
Income.
Increase of paid-up capital during the year  $ 800,000 00
Net fire premiums . ..  2,485,619 08
Gross interest on mortgage loans, collateral loans, bonds, and dividends on stocks
(life insurance business, $514,224.76)     759,159 85
Gross rents from Company's property  33,141 72
Life insurance premiums    1,385,604 70
Reserved for unpaid losses from 1915   297,866 67
Commission on reinsurances    521,556 30
Total  income    $ 6,2S2.94S 32
Disbursements.
Gross amount paid policyholders for losses   (including $288,276.96  occurring  in
previous years) $ 1,896,570 06
Deduct amount received for salvage, reinsurance, and discount       1,053,027 74
Net amount paid policyholders for fire losses $ 843,542 32
Commissions or brokerage (life insurance business, $158,807.S6)     S39,739 69
Salaries, fees, and all other charges of officers, directors, trustees, and Home Office
employees (life insurance business, $110,314.81)     398,65S SO
Taxes on real estate   ]
State taxes on premiums   J-(life insurance business, $28,727.63) .... 95.273 66
Insurance Department licences and fees)
Life insurance business    1,553,250 22
Other disbursements  1,862,502 98
Reserved for losses in process of adjustment   286,133 33
Total disbursements  $ 5,S79,101 00
Returns for British Columbia.
Bond of guarantee company in lieu of deposit  $ 25,000 00
Assets    ....
Liabilities     10.064 04
Premiums written, less return premiums  15,872 68
Losses incurred, net   3,981 13
Losses paid, net   3,612 43
Net amount at risk    872,450 00 P 60 Report of the Superintendent of Insurance, 1917
UNION MARINE INSURANCE COMPANY, LIMITED.
Head Office—Liverpool, England.
Officers.
Sir Helenus R. Robertson, President,
J. H. Beazley, Vice-President.
J. 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 00
Amount subscribed      7,500,000 00
Amount paid           817,500 00
Statement for the Year ended December 31st, 1916.
Assets.
Value of real estate owned by the Company  $ 454,510 00
Bonds and stocks owned absolutely by the Company   6,234,0S2 18
Cash in the Company's principal office   $ 889 25
Cash deposited in banks       844.367 54
  S45,256 79
Interest due and accrued on bonds  61,890 10
Gross premiums   (as written in the policies)   in course of collection on policies
written within three months   1,722,925 05
Bills receivable, not matured, taken for marine and inland risks  24,973 39
All other property belonging to the Company   752,510 26
$10,096,147 77
Liabilities.
Net amount of unpaid losses  $ 2,131,875 00
Unearned premiums      1,159,690 00
Cash dividends to stockholders remaining unpaid  881 00
Due and to become due for borrowed money   03,289 79
All other  demands against the Company,  absolute  and contingent,  due and to
become due, admitted and contested, viz.—
State, city, county, or other taxes and assessments  $   250,000 00
Commissions, brokerage,  and other charges due and to  become
due to agents and brokers on premiums paid and in course
of collection      438,838 50
Return premiums    ■       42,075 00
Reinsurance      1,022.515 00
 1,753.428 50
Total amount of liabilities $ 5,139,164 29
Capital stock paid up         817,500 00
Total of liabilities and paid-up capital  $ 5.956.664 29
Excess of assets over such total $ 4.139.483 48
I 7 Geo. 5 British Columbia. P 61
Receipts.
Net cash actually received for premiums $ 7,607,136 OS
Received for interest and dividends on stocks and bonds, collateral loans, and"!
from all other sources  j.      212,196 25
Received from rents   j
Total  receipts    $ 7,819,332 33
Disbursements.
Net amount paid during the year for losses  $ 4,015,870 56
Cash dividends actually paid to stockholders        179,850 00
Paid for commission or brokerage        237,155 64
Paid for salaries, fees, and other charges of officers, clerks, agents, and all other
employees        252,939 39
Paid for taxes         150,326 27
All other payments and expenditure, viz.—
Rents  . .$     19,000 00
Disbursements         270,545 75
 289,545 75
$ 5,125,687 61
Returns for British Columbia.
Deposit with Government, guaranteed railway debenture stock (par), £5,000 $ 24,333 32
Other assets (agents' balances)     1,173 59
Liabilities     12,023 33
Premiums written, less return premiums—
Fire    3.399 30
Marine     6,206 35
Automobile     1,769 70
Losses incurred, net—
Fire   770 80
Marine     112 81
Automobile     513 55
Losses paid, net—
Fire   755 00
Marine    112 81
Automobile     607 85
Net amount at risk—
Fire   224,674 OO
Marine     102,074 00
Automobile     16,000 00 P 62 Report of the Superintendent of Insurance, 1917
VULCAN FIRE INSURANCE COMPANY.     ,
Head Office—Oakland, Cal.
Officers.
J. F. Carlston, President    Oakland,  Cal.
E. S. Wangenheim, Vice-President     Newman, Cal.
Arnold Hodgkinson, Secretary    San Francisco, Cal.
E. D. Bothwell, Treasurer     Oakland,  Cal.
Directors.
J. F. Carlston. Alden Anderson. R. M. Fitzgerald.
E. S. Wangenheim. J. W. Phillips. Tom C Grant.
J. P. Maxwell. W. T. Veitch. C. II. Wente.
J. Y. Eccleston. Wm. Cavalier. Stuart S. Hawley.
J. H. King.
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, 1916.
Assets.
Cash value of mortgages, exclusive of interest  $  421,063 97
Loans, other than those secured by mortgages        150,000 00
Cash  value   (excluding  interest  and  dividends)   of  stock,   shares,   bonds,   debentures, etc      374,242 40
Actual cash on hand at Head Office   1,787 58
Cash on deposit to the Company's credit and not drawn against on December 31st,
1916      101,812 72
Agents' balances representing business written subsequent to October 1st, 1916 ....       40,938 78
Agents'  balances  representing  business  written  prior  to   October   1st,   1916   (not
extended), $6,802.33.
Interest due or accrued and unpaid   9,170 70
Total assets    $1,099,016 15
Liabilities.
Claims or losses adjusted   $      4,747 08
Claims or losses in suspense, or supposed, or reported          11,574 15
$ 16,321 23
Deduct reinsurance due or accrued   3,028 55
Net amount of losses or claims unpaid  $ 13.292 68
Total reserve of unearned premiums for all outstanding risks   136.933 55
Reserve for taxes   4,867 68
Carried forward $ 155,093 91 7 Geo. 5
British Columbia.
P 63
Liabilities—Concluded.
Brought forward  .$ 155,093 91
Dividends declared and remaining unpaid   12,500 00
Interest paid in advance    184 62
Amount due or accrued for commission   10.513 05
Total amount of liabilities   $ 178,291 58
Capital stock paid up  '  500,000 00
Total of liabilities and paid-up capital  $ 678,291 58
Excess of assets over such total  $ 420,724 57
Receipts.
Net premiums received In cash   $ 191,550 74
Cash received for interest   58,812 61
Cash received for debentures, mortgages, etc.  (not extended), $469,927.1S.
Total  receipts    $ 250,403 35
Expenditure.
Cash paid to agents for commission, salaries, and bonus  $ 44,979 14
for law costs    1,658 30
„          ,,   investigation and adjustment of claims    2,209 17
„          „   statutory assessment and licence fees    1,704 35
„          „   travelling expenses    8,214 08
„          „   rent and taxes    4.756 32
„          „   salaries, directors' and auditors' fees   28,516 32
„           „   printing,  stationery,  and advertising     3,741 82
„          ,,   postage, telegrams, and express    1,242 32
„          „   other expenses     6,040 17
Total expenses of management   $ 103,061 99
Net amount paid for losses occurring prior to 1916   8,448 44
Net amount paid for losses occurring during 1916    66,255 68
Total expenditure   $ 177.766 11
Returns for British Columbia.
Bond of guarantee company in lieu of deposit  $ 25,000 00
Assets  (agents' balances)  1.717 53
Liabilities  4,868 16
Premiums written. less return premiums   8,622 39
Losses incurred, net  3.S64 84
Losses paid, net    3,904 65
Net amount at risk    557.949 00 P 64 Report of the Superintendent of Insurance, 1917
INSURANCE OTHER THAN FIRE INSURANCE.
Annual Statements of Provincial  Licensees for Year ended
December 31st, 1916.
BRITISH COLUMBIA PLATE GLASS INSURANCE COMPANY.
Head Office—Vancouver, B.C.
Officers.
Walter E. Graveley, President  '.  Vancouver, B.C.
J. W. MeFarland, Vice-President    Vancouver, B.C.
Alfred Farmer, Secretary      Vancouver, B.C.
Directors. '
Walter E. Graveley. F. M. Chaldecott.
J. W. MeFarland. A. F. Beasley.
A. G. Thynne.
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, 1916.
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,
1916    2,814 11
Premiums uncollected (net commissions deducted)     2,054 99
Total assets   : $    13,026 37
Liabilities.
Total reserve of unearned premiums, $12,754.50; carried out at 80% thereof  $    10,203 20
Total amount of liabilities   $     10,203 20
Capital stock paid up  3,840 06
Total of liabilities and paid-up capital   $    14,043 20
Taken at cost price—market value at December 31st, 1916, $7,431.85. 7 Geo. 5
Britispi Columbia.
P 65
Receipts.
Net cash received for premiums    $ 9,940 26
Cash received for interest    441 77
Cash from all other sources    331 18
Total receipts  $ 10,713 21
Expenditure.
Cash paid to agents for commission, salaries, and bonus   $ 3,476 37
„         for law costs    19 00
„          ,,   statutory assessment and licence fees   178 03
„          „   salaries, directors' and auditors' fees    335 00
„          „   printing, stationery, and advertising  10 00
„          „   postage, telegrams, and express  7 50
„          „   other expenses  46 00
Total expenses of management  $ 4,071 90
Amount paid for losses occurring during the year   5,365 41
Total expenditure   $ 9,437 31
List of Shareholders.
J. W. MeFarland .
H. Bell Irving	
W. E. Graveley ...
H. Abbott	
A. MoC. Creeiy ...
A. F. Beasley . ...
R. Kerr Houlgate .
S. O. Richards . . .
H. W. Cliamberlin
H. C Ackroyd....
D. B. Charleson . . .
W. J. Albutt	
H. J. Thorne	
Robt. Martin	
Jonathon Rogers . .
A. G. Thynne	
C. H. Maoaulay ...
C. E. Hope	
F. M. Chaldecott..
Vancouver
Victoria . .
Vancouver
No. of
Shares.
10
5
5
5
1
7
3
1
5
1
1
5
o
1
2
30
5
2
5
96
Amount
subscribed.
11,000
500
500
500
100
700
300
100
500
100
100
500
200
100
200
3,000
500
200
£00
$9,600
Amount
paid.
$400
200
200
200
40
280
120
40
200
40
40
200
80
40
80
1,200
200
80
200
3,840 P 66 Report of the Superintendent of Insurance, 1917
CANTON INSURANCE OFFICE, LIMITED.
Head Office—Victoria, Hong Kong.
Consulting Committee.
The Hon. C E. Anton. F. Maitland.
The Hon.  Sir Paul Chater, C.M.G. The Hon. E. Shellim.
C S. Gubbay. H. P. White.
Sir Robert Ho Tung.
General Agents.
Alessrs. Jardine, Matheson & Co., Limited, Hong Kong.
Authorized capital     $2,500,000 00
Amount subscribed      2,500,000 00
Amount paid           500,000 00
Statement for the Year ended December 31st, 1916.
Assets.
Cash in hand and in transit and on current account and fixed deposits with banks *$   653,507 18
Gold investments—
British, Indian, and Colonial Government bonds and stocks   2,181,495 65
Foreign Government loans     568,403 47
British, Colonial, and Foreign railway and port trust bonds and stocks  344,112 22
Silver investments—
Hong Kong Government 6% War Loan of 1916   75,000 00
Mortgages, loans, and debentures  1,888,542 99
Other investments  435,601 64
Agency  balances  872,352 74
Accounts receivable     101,634 17
Total assets $7,120,650 06
Liabilities.
Capital, 10.0CO shares of $250 each = $2,500,000, of which $50 per share has been
paid up $   500,000 00
Reserve  Fund      1,502,008 70
Reinsurance Fund         930,S24 72
Investment and Exchange Fluctuation Account        275,778 98
Underwriting  Suspense Account         426,512 35
Uncollected dividends           22.842 00
Accounts payable         103,105 66
Working account, 1915, as per statement  $813,993 89
Less interim dividend at $18 per share paid on May 4th, 1916   180,000 00
 633,993 S9
Working Account, 1916, as per statement     2,724,9S3 76
Total liabilities   $7,120,650 06
* Hong Kong currency. 7 Geo. 5 British Columbia. P 67
Working Account, 1915, on December Slst, 1916.
Net premia received, less returns and reinsurances   $3,873,609 68
Interest         267,106 56
Transfer fees    101 00
$4,140,817 24
Losses and claims paid  $2,SS3,322 42
Charges         109,059 81
Commissions        334,441 12
Balance         813,993 89
$4,140,817 24
Working Account, 1916, on December Slst, 1916.
Net premia received, less returns and reinsurances  $5,084,409 86
Interest         245,586 28
Transfer fees    106 00
$5,330,102 14
Losses and claims paid    $2,113,329 26
Charges      101,904 28
Commissions      389,884 84
Balance      2,724,983 76
$5,330,102 14-
GUARDIAN CASUALTY & GUARANTY COMPANY:
Head Office—Salt Lake City, Utah.
Officers.
W. S. McCornick, President    Salt Lake City, Utah.
George E. Cutler,  Vice-President     Salt Lake City, Utah.
Reed Smoot,  Vice-President  Salt Lake City, Utah.
Thomas AV.  Sloan,  Secretary     Salt Lake City, Utah.
L. B. JlcCornick, Treasurer    Salt Lake City, Utah.
Directors.
Frank J. Hagenbarth. Willard Scowcroft. George W. Morgan.
J. M. Studebaker. Duncan MacVichie. D. L. Evans.
F. C. Jensen. P. W. Madsen. W. O. Kay.
H. F. Lemp. W. H. Dale. Lafayette Holbrook.
AV. II. King.
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 P 68 Report of the Superintendent of Insurance, 1917
Statement for the Year ended December 31st, 1916.
Assets.
Cash value of real estate, less encumbrances   $ 24,661 09
Cash value of mortgages, exclusive of interest   311,592 SS
Loans, other than those secured by mortgages   22.36S 10
Cash value   (excluding interest  and  dividends)   of  stock,   shares,  bonds,   debentures, etc  47,532 73
Actual cash on hand at Head Office   78,115 15
Cash on deposit to the Company's credit and not drawn against on December Slst,
1916  174,523 25
Premiums uncollected (net commissions deducted)     426,61S 16
Bills receivable less than one year overdue (not extended), $2,525.
Interest due or accrued and unpaid   5,903 94
Amount of all other assets  27,841 31
Office furniture  (not extended), $7,280.22.
Total assets    $1,119,156 61
Liabilities.
Claims or losses unpaid  $ 79,061 68
Special reserve for unpaid liability and workmen's compensation losses   186,125 00
Reserve for unearned premiums  2S3,S64 73
Reserve for taxes    41,545 97
Total amount of liabilities  $   590.597 38
Capital stock paid up        300,000 00
Total of liabilities and paid-up capital  $   890,597 3S
Excess of assets over such total  $   228,559 23
Receipts.
Net premiums received in cash   $1,970,842 00
Cash received for interest          30,92S «3
Cash received from rents   947 91
Cash received from all other sources   2,171 95
Total  receipts    '. $2,004,890 49
Expenditure.
Cash paid to agents for commission, salaries, and bonus  $ 505,563 37
for law costs  12,469 92
„   investigation and adjustment of claims  35,536 02
,,   statutory assessment and licence fees  16,415 55
„   travelling expenses     13,909 24
,,   rent and taxes    5,918 55
,,   salaries, directors' and auditors' fees    67,207 57
,,   printing, stationery, and advertising    14,265 23
Carried forward $   671,285 45 7 Geo. 5 British Columbia. P 69
Expenditure—Concluded.
Brought forward $   671,285 45
Cash paid for postage, telegrams, and express  '.  5,884 57
„   other expenses           30,812 83
Total expenses of management $   707.9S2 85
Net amount paid during the year for losses  $1,101,527 97
Cash paid for repayment of loans         34,500 00
Total expenditure $1,844,010 82
Returns for British Columbia.
Deposit with Government (deposit receipt, Union Bank of Canada)    $ 25,000 00
Premiums  103,500 75
Losses paid   54,674 36
Liabilities  11,120 49
LONDON AND PROVINCIAL MARINE AND GENERAL INSURANCE COMPANY, LIMITED.
Head Office—London, England.
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
Statement for the Year enbed December 31st, 1916.
Assets.
£ s. d.
By Investments (valued as at December 31st, 1913; investments made since that
date are valued at cost)   736,195 8 3
Interest accrued          8,415 7 1
Cash on deposit and at bankers     41,621 7 8
Outstanding accounts due at home and abroad    143,751 2 7
Policy  stamps             245 2 6
£930,228    8    1 \
P 70 Report of the Superintendent of Insurance, 1917
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      100,000    0 0
Sundry   creditors        25,680 16 1
Investment  reserve        25,000   0 0
Underwriting Suspense Account to meet all claims and other liabilities on
1915 and previous years   120,049 10 4
Balance of Underwriting Account, 1916    500,508 - 5 9
Balance of Profit and Loss Account      5S.989 15 11
£930,22S 8 1
Profit and Loss Account.
£ s. d.
By Claims on 1915 account     166,358 4 8
Income-tax             437 5 3
Transfer to Reserve Fund      50,000 0 0
Transfer to Underwriting Suspense Account      85,000 0 0
Balance     58,989 15 11
£360,785   5 10
£       s. d.
To Balance on December 31st, 1915       20,584 11 5
Interest and profit on investments realized      25,449 12 8
Balance of Underwriting Account, 1915     314,751    1 9
£360,785 5 10
Underwriting Account, 1916.
£ s. d.
By Claims to this date     292,268 0 5
Expenses       7,782 18 4
Directors' remuneration and auditors' fee        1,728 0 0
Balance     500,508 5 9
£802,287    4    6
£       s.   d.
To Premiums (less returns, reinsurances, and agency commissions)      802,2S7   4   6
£802,2S7   4   6 7 Geo. 5 British Columbia. P 71
MARITIME INSURANCE COMPANY, LIMITED.
Head Office—Liverpool, England.
Officers.
E. H. Cookson, Chairman. Harold Sumner, Manager.
J. F. Caroe, Deputy Chairman. J. C Nicholson, Secretary.
Directors.
E. II. Cookson. Wm. C Aikman. Jasper M. Wood.
J. F. Caroe. J. A. Cook.
Authorized capital     £1,000,000
Amount subscribed         500,000
Amount paid           100,000
Statement for the Year ended December 31st, 1916.
Assets.
£ s. d.
By Investments    927.277 17 0
Sundry  debtors     155,209 14 1
Interest and dividends accrued, but not payable until after December 31st,
1916   7,678 6 7
Cash on deposit, in hand, and on current account   80,086 10 10
Total assets    £1,170,252 8 6
Liabilities.
£ s. d.
To Shareholders' capital paid up        100,000 0 0
General Reserve Fund        200,000 0 0
Underwriting Fund       689,296 6 8
Profit and Loss Account        105,565 18 9
£1,094,862    5    5
Sundry creditors           75,390    3    1
Total  liabilities    £1,170,252    8   6
Profit and Loss Account.
By Dividend paid February 22nd, 1916  £ 12,500   0    0
Less income-tax       1,881    1 10
Interim dividend paid July 1st, 1916  £ 10,000   0   0
Less income-tax        1,976 14   3
s.   d.
10,618 18    2
8,023    5    9
Income-tax  7,585    1    0
Amount written off for depreciation in investments        45,000   0   0
Balance at December 31st, 1916, subject to excess profit duty (if any)         105,565 18    9
£  176,793    3    8 P 72 Report of the Superintendent of Insurance, 1917
Profit and Loss Account—Concluded.
£ s. d.
To Balance, January 1st, 1916         72,275 6 1
Interest and dividends   £ 42,710    9    5
Less income-tax       8,192 11 10
 34,517 17 7
Transferred from Underwriting Account         70,000 0 0
£   176,793 3 8
Underwriting Account.
£ s. d.
By Claims paid after deducting reinsurance recoveries       380,714 11 11
Expenses of management          61,217 15 5
Transferred to Profit and Loss Account         70,000 0 0
Underwriting Fund, December 31st, 1916—
Reserve of 50 per cent, of net premiums  £353,915    0   0
Additional reserve, including provision for unsettled claims 335,381    6    8
     6S9,296 6 8
£1,201,228 14 0
£ s. d.
To Underwriting Fund, January 1st, 1916       493,397 15 1
Premiums after deducting returns and reinsurance premiums      707,830 18 11
£1,201,228 14    0
NATIONAL PLATE GLASS INSURANCE COMPANY.
Head Office—Winnipeg, Man.
Officers.
Isaac Pitblado, President    Winnipeg, Man.
E. Cass, Vice-President   Winnipeg, Man.
W. E. Lough, Secretary and Treasurer    Winnipeg, Man.
Directors.
Isaac Pitblado. E. Cass. W. E. Lough.
Jas. McDiarmid.    • R. W. Paterson. R.  A.  Mather.
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 7 Geo. 5
British Columbia.
P 73
Statement for the Year ended December 31st, 1916.
Assets.
Cash value of real estate, less encumbrances  $
Cash value of mortgages, exclusive of interest 	
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc	
Cash on deposit to the Company's credit and not drawn against on December 31st,
1916 	
Agents' balances and premiums uncollected
Interest due or accrued and unpaid 	
Amount of all other assets 	
Total assets
Liabilities.
Amount of unpaid loans 	
Total reserve of unearned premiums for all outstanding risks
Amount due or accrued for commission	
Amount of all other liabilities 	
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  receipts
Expenditure.
Cash paid to agents for commission, salaries, and bonus  $
„ for statutory assessment and licence fees  	
travelling expenses   	
rent and taxes  	
salaries, directors' and auditors' fees 	
printing, stationery, and advertising 	
postage, telegrams, and express  	
Total expenses of management
Net amount paid for losses or claims .
Cash paid for repayment of loans	
Total expenditure
Returns for British Columbia.
Deposit with Government, municipal securities (par)    $
Other assets (accrued interest)  	
Liabilities   	
Premiums written, less return premiums 	
Losses paid, net 	
410 18
3,550 00
8,167 36
73 95
810 73
492 32
79 10
$
13,589 64
?
250 00
2,2S2 35
10 11
1,969 58
$
4,512 04
5,430 00
$
9,942 04
$
3,647 60
$
3,246 29
638 50
$
3,884 79
$
487 64
49 65
57 19
15 00
600 00
19 50
17 37
$
1,246 35
1,790 13
800 00
?
3,836 48
5,510 00
100 04
56 13
1 10
96 75 P 74
Report of the Superintendent of Insurance,
1917
THE OCEAN MARINE INSURANCE COMPANY, LIMITED.
Head Office—London, England.
Officers.
Hon. Charles Napier Lawrence, Chairman.
Sir Alex. Drake Kleinwort, Bart, Deputy Chairman.
H. T. Russell Ross, Secretary.
■Directon
Hon. Charles Napier Lawrence.
Sir Alex. Drake Kleinwort, Bart.
Herbert Robinson Arbuthnot.
John Henry Brodie.
Alexander Henry Campbell.
James Blyth Currie.
Philipp  Moritz  Deneke.
Ellis Oilman.
Maurice Buffer.
Philip Secretan.
David Nairn Shaw.
Authorized capital    £1,000,000
Amount subscribed   1,000,000
Amount paid     100,000
Statement for the Year ended December 31st, 1916.
Assets.
Investments— £       s.   d.
British Government securities    225,440    3    0
Municipal and county securities, United Kingdom   23,537 10    0
Indian and Colonial Government securities    81,124    0    0
Foreign Government securities   96,808    2    8
Colonial municipal securities    23,798 15    0
Foreign municipal securities   85,255 18 11
Guaranteed and other Indian railway stock  23,897 10   0
Indian Government railway annuities  8,375    0    0
Railway and other debentures and debenture stocks, home and foreign  179,093 17 11
Railway preference and guaranteed stocks   S,823   4   2
Railway ordinary stocks   17,817    6    0
£,< 773,971    7    8
Freehold premises     12S,000   0   0
£ 901,971    7    8
Agents' balances    95,765    1 11
Outstanding premiums, etc  67,574 19 11
Bills receivable    483 10   1
Interest accrued but not yet payable   7,786 18    2
Policy stamps on hand   397   0 11
Cash-
On  deposit     69,007 10   2
In hand and on current account   5,478 15    9
£1,148,465    4   7 7 Geo. 5 British Columbia. P 75
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      74,715    8    2
 574,715    8   2
Underwriting Reserve          83,829    2    6
Balance of Underwriting Account, 1916       271,753 18   3
Sundry creditors        118,166 15    8
£1,148,465 4 7
Underwriting Account, 1915. ,
£ s. d.
Balance from 1915 Underwriting Account       234,656 6 8
£ s. d.
Net claims under policies and returns for 1915 paid in 1916       104,757 6 1
Transferred to Underwriting Reserve for balance of 1915 claims        53.70S 0 0
Profit on 1915 Underwriting Account carried to Profit and Loss         76,191 0 7
£   234,656 6 S
Underwriting Account, 1916.
£ s. d.
Net premiums for 1916       549,071 2 5
£       s.   d.
Net claims under policies and agency expenses for 1916       250,620   4   0
Directors'   remuneration    £    3,150   0   0
Office salaries and retiring allowances       13,713 17   1
General office charges        6,191    0    1
Subscriptions to Lloyd's Registers, etc  642    3    0
Rent of Company's office         3,000    0    0
 26,697    0    2
Balance of 1916 Underwriting Account carried forward       271,753 18   3
£   549,071    2    5
Profit and Loss Account, 1916. -
£       s.   d.
Balance brought forward         34,587 13 11
Profit on 1915 Underwriting Account         76,191    0   7
Interest and rent received and accrued  ,        34,154   6   4
£   144,933    0 10
£       s.   d.
Dividends declared on account of 1916, less tax         19,405 14 10
Income-tax     9,789 10   0
Depreciation in value of securities         39,648   0   8
Amount written off freehold premises  1,374   7   2
Balance carried to balance-sheet         74,715   8   2
£   144,933   0 10 P 76 Report of the Superintendent of Insurance, 1917
QUEENSLAND    INSURANCE COMPANY, LIMITED.
Head Office—Sydney, Australia.
Officers.
Col. the Hon. James Burns, M.L.C, Chairman.
A. McVernon, General Manager.
0. Hawkes, Assistant Manager and Branch Inspector.
H. W. Horn, Secretary.
Directors.
Col. the Hon. James Burns, M.L.C. Hon. Thomas Waddell, M.L.A.
A. R. Troup. W. T. MacPherson.
Adam Forsyth.
Authorized capital    £500,000
Amount subscribed        250,000
Amount paid       250,000
Statement for the Year ended September 30th, 1916.
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; AVestern Australian Government Inscribed Stock; A'ictorian Government Deposit;
Commonwealth  of Australia  War  Loan;   South Australian
State Bank Bonds   £149,6S4 16 10
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.; Bank of Victoria; Bank
of Australasia;   Wellington Trust, Loan & Investment Co.,
Ltd.; Metropolitan Gas Company   169,000    0   0
Municipal debentures ■     45,315   0   0
Freehold properties     110,918    2   3
Cash deposits at call      46,250    0    0
Cash in hand and at bankers        9,140    15       £       s.   d.
  530,308   0   6
Sundry debtors         4,894   3    9
Premiums  outstanding        10,360 13   1
Reinsurance claims, return premiums, and refunds outstanding       9,189   5   2
£554,752   2    6 7 Geo. 5 British Columbia. P 77
Liabilities.
£       s. d.
To Authorized capital, 500,000 shares of £1 each, £500,000.    Subscribed  capital,
250,000 shares of £1 each    250,000   0 0
Reserve Fund     25,000   0 0
Unearned premiums     121,S39    0 0
Officers' Provident Fund      11,190 14 6
Sundry creditors, amounts owing for reinsurance and claims      81,894   9 5
Branch and agency balances        2,437    6 4
Revenue Account      62,390 12 3
£554,752    2 6
Revenue Account.
£       s. d.
By Premiums, less reinsurances, returns, and unearned    243,680    8 3
Interest and rents     23,563 12 5
£267,244    0 8
£        s. d.
To Losses     121,746    7 6
Charges     81,756 12 9
Land, income, and other taxes      11,563    1 S
War bonus to staff       1,850    0 0
Officers' Provident Fund        2,000    0 0
Balance        48,327 IS 9
£267,244    0 8
£       s. d.
By Balance brought down       48,327 18 0
Balance at September 30th, 1915  £ 57,812 13   6
Less dividend at 10 per cent, per annum paid £15.000    0   0
Less bonus at 2% per cent, per annum paid      3.750    0    0
Amount to Reserve Fund       25,000    0    0
 43,750    0    0
 14.062 13 6
Balance    £ 62,390 12 3 P 78
Report of the Superintendent of Insurance,
1917
THE RELIANCE MARINE INSURANCE COMPANY, LIMITED.
Head Office—Liverpool, England.
Officers.
'    Gilbert W. Fox, Chairman.
J. U. Hodgson, Deputy Chairman.
F. R. Edwards, Secretary.
Gilbert W. Fox.
J. U. Hodgson.
George Atherton.
Directors.
Oswald Dobell.
R. A. Love.
R. W. Sharpies.
Campbell N. Watson.
Authorized capital    £500,000
Amount subscribed        500,000
Amount paid       100,000
Statement for the Year ended December 31st, 1916.
Assets.
By Investments—
Bonds repayable at fixed dates  £292,751 13    7
Other   investments   (market   value,   December   31st,   1916,
£118,240 5s. 9d.)       143,7S6    7    3        £        s.   d.
 436,538    0 10
Policy stamps   15S 10    0
Cash at bankers and in hand     32,352 15    1
Interest accrued but not received       3,616 15    1
Furniture, fittings, and preliminary organizing expenses of Fire Department . . 716 15    0
Accounts due to the Company for premiums, salvages, etc     83,720 14   1
£557,103 10    1
Liabilities.
.£
100,000
150,000
26,000
To Capital, 50,000 shares at £10 per share, £500,000;  paid up £2 per share	
Reserve  Fund   	
Investment Reserve Fund   	
Balance of Profit and Loss Account  £ 78,512 19   2
Less interim dividened paid July 1st, 1916        S.0CO   0   0
 70,512 19
Balance of Underwriting Account, 1916    154,884    9
Balance of Fire Account, 1916  062   S
Suspense Account       20,274   0
d.
0
0
0
Special Reinsurance Account       19,300 11 11
iVccounts due by the Company   ■..    15,372    0   9
Dividends unpaid    36 19 11
£557,103 10   1 7 Geo. 5 British Columbia. P 79
Profit and Loss Account.
By Dividend paid to shareholders—
July 1st, 1915   £    7,838 10 10
January 27th, 1916         7,328    2    6 £ s. d.
  15,166 13 4
Income-tax, 1915    3,858 3 0
Excess profits duty (on account)     3,000 0 0
Claims, reinsurances, returns, commissions, etc., for 1915   70,810 8 8
Amount carried to Suspense Account to close 1915 .*  17,000 0 0
Subscriptions to War Relief Funds   290 0 0
Amount transferred to Investment Reserve Fund    11,000 0 0
Balance carried down   78,512 19 2
£199,638    4   2
£       s.   d.
To Balance, January 1st, 1916     67,314   1    4
Balance of Underwriting Account, 1915    117,030 11 11
Interest Account, less income-tax thereon      15,293 10 11
£199,63S 4 2
Underwriting Account.
£ s. d.
By Claims        59,329 9 2
General   expenses,   including  salaries,   rents,   subscriptions   fo   underwriters'
rooms, registers of shipping, etc     13,623 7 3
Auditors' remuneration           100 0 0
Directors' remuneration         1,500 0 0
Balance carried down   154,884 9 1
£229,437    5    6
£       s.   d.
To Premiums, less reinsurances, returns, and agency charges, etc  229,416    8    0
Transfer fees    20 17   6
£229,437    5    6
Fire Account.
£       s.   d.
By Claims paid and outstanding    Nil.
Commission and expenses   463    0 11
Balance carried down    062    8    6
To Premiums, less reinsurances
£
1,125
9
5
£
£
1,125
s.
9
d.
5
£
1,125
9
5 P 80
Report of the Superintendent of Insurance,
1917
ROYAL PLATE GLASS INSURANCE COMP.ANY OF CANADA.
Head Office—Arancouver, B.C.
Officers.
Dr. D. H. Wilson, President    Vancouver, B.C.
W. H. Malkin, Vice-President    A'ancouver, B.C
C A. Wickens, Secretary and Treasurer     A;ancouver. B.C.
Directors.
Dr. D. H. Wilson.
J. P. Nicolls.
W. H. Malkin.
R. W. Harris.
A. P. Bogardus.
C A. Wickens.
Amount deposited with the Government of British Columbia:   Deposit receipt of Canadian
Bank of Commerce, $125;   Dominion War Loan Bonds (par), $5,000.
Authorized capital    $25,000 00
Amount subscribed       10,000 00
Amount paid        2,750 00
Statement for the Year ended December 31st, 1916.
Assets. >
Cash value of mortgages, exclusive of interest  $ 2,250 00
Cash value   (excluding  interest  and  dividends)   of  stock,   shares,   bonds,   debentures, etc  4,875 00
Cash deposited with Government   125 00
Cash on deposit to the Company's credit and not drawn against on December 31st,
1916   1,161 69
Agents'  balances     218 83
Interest due or accrued and unpaid   94 17
Total assets
Liabilities.
Reserve of unearned premium, $2,2S0.43;  carried out at SO per cent, thereof
Amount of all other liabilities  	
Total amount of liabilities
Capital stock paid up  	
Total of liabilities and paid-up capital  	
Excess of assets over such total 	
Receipts.
Net cash received for premiums	
Cash received for interest  	
Cash received for calls oil capital stock
Total receipts 	
8,724 69
1,S24 34
169 64
1,993 98
2,750 00
.$      4,743 9S
.$      3,980 71
.$ 2.7C6 05
482 00
500 00
.$      3.6SS 05 7 Geo. 5
British Columbia.
P 81
Expenditure.
Cash paid to agents for commission, salaries, and bonus  . .
for law costs	
„ „   interest, discount, and exchange	
„ „   statutory assessment and licence fees 	
„ „   salaries, directors' and auditors' fees  	
,, ,,   bond premium 	
Total expenses of management	
Amount paid for losses occurring prior to 1916 	
Amount paid for losses occurring during 1916	
Cash paid for dividends . ...,	
Total expenditure 	
List of Shareholders.
$
804 48
24 50
9 64
77 84
75 00
16 70
$
1,008 16
247 46
848 37
500 00
$
2,603 99
Name.
Residence.
No. of
Shares.
Amount
subscribed.
Amount paid.
10
14
14
14
8
8
5
12
5
5
5
$1,000
1,400
1,400
1,400
800
800
500
1,200
500
500
500
$275 00
385 00
T). H. Wilson              	
R. W. Harris	
385 00
W. H. Malkin	
385 00
C. A. Wickens	
220 00
P. G. Mason	
220 00
J. P. Nicolls	
M. Douglas	
R. D. Douglas	
Boston, U.S.A	
Binghampton, U.S.A.
137 50
330 00
137 50
137 50
137 50
100
$10,000
$2,750 00
THE YANG-TSZE INSURANCE ASSOCIATION, LIMITED.
Head Office—Shanghai, China.
Officers.
John Prentice, Chairman.
C W. Wrightson, Deputy Chairman.
W. S. Jackson, General Manager.
T. A. Clark, Secretary.
Directors.
John Prentice. B. A. Clarke. W. B. Sutherland.
C W. Wrightson. A. W. Burkill.
Authorized capital      $1,200,000 00
Amount subscribed      1,200,000 00
Amount paid        720,000 00 P 82                          Report of the Superintendent of Insurance, 1917
Statement for the Year ended December 30th, 1916.
Assets.
Midland Railway Co. Consolidated 2%% Perpetual Preference Stock, £3,624 16s. .. .$   *28,501 41
Great Northern Railway Co. Consolidated 4% Perpetual Preference Stock, £1,072 10s. 8,432 94
London and North Western Railway Co. Consolidated 4% Preference Stock, £1,887 10s. 14,841 21
Great Western Railway Co. 4% Debenture Stock, £1,025   8,059 47
Great Western Railway Co. 4%% Debenture Stock, £1,670  13,131 03
India 3y2% Stock 1931, £1,193 10s.  9,384 36
British Government 4%% War Loan, £14,400    113,225 63
British Government Treasury Bills, £10,000  78,628 90
British Government Exchequer Bonds, £20,000   157,257 82
Anglo-French 5% External Loan Bonds, G. $93,000   153,722 19
City of New York 4%% Corporate Stock, G. $92,650   153,143 66
City of New York 4% Corporate Stock, G. $116,150   191,987 44
Northern Pacific, Great Northern, and Chicago, Burlington, and Quincy Railroad
Joint 4% Bonds, G. $24,500   40,496 71
Southern Railway First Consolidated Mortgage 5% Bonds, G. $25,500    42,149 63
Baltimore and Ohio Railway 4%% Equipment Bonds, G. $50,250  83,059 56
American Telephone & Telegraph Co. 4%% Bonds, G. $25,250   41,736 40
Big Four Railway Co. 5% Equipment Bonds, G. $25,500   42,149 63
Loans and mortgages   1,567,831 92
Chinese Imperial Government E. Loan of 1886   1,369 86
Japanese Imperial Government New 4% Loan   70.37S OS
Cash deposit with Japanese Government    6,090 41
Cash at bankers, on fixed deposit, and current account   1,512,885 40
Property, land and buildings    341,244 34
Shanghai Land Investment Co., Ltd., debentures   178,293 15
Shanghai municipal debentures    S9,958 90
Shanghai Waterworks Co., Ltd., debentures    28,972 60
Shanghai & Hongkew Wharf Co., Ltd., debentures   8,630 14
Investments in stocks and shares    387,764 62
Policy stamps at agencies  1,055 22
Head Office and agencies, furniture   5,579 15
Due by agencies, premia in course of collection, and sundry outstandings  S32.043 92
$6,212,005 70
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     1,000,000 00
Building Reserve Fund      150,000 00
Working Account, 1916   2,254,518 25
Working Account, 1915 and former years    1,081,017 09
Uncollected dividends  6,470 36
8,212,005 70
Hong Kong currency. 7 Geo. 5 British Columbia. P 83
Working Account for Twelve Mouths ending December 30th, 1916.
By Claims paid, less reinsurance, etc $1,431,201 89
Commissions and charges at Head Office, branches, and agencies      341,269 44
Directors', committees', and auditors' fees    6,323 93
Balance       2,254,518 25
$4,033,313 51
To Net premia, less reinsurances, etc $3,766,165 29
Interest, dividends, and rents        267,046 22
Transfer fees  102 00
$4,033,313 51
Working Account, 1915 and Former Years.
By Net claims, reinsurance premia, and premia returned, etc., account 1915  $1,081,875 33
Special dividend, 1915 account. $6 per share on 12,000 shares   72,000 00
Amount transferred to reinsurance Reserve Fund   269,017 14
Amount transferred to Building Reserve Fund   70,000 00
Amount transferred to Exchange and Investment Fluctuation Account  343,966 24
Dividend, former years account, $15 per share on 12,000 shares   180,000 00
Net claims and all payments account former years  111,993 92
Balance    1,081,017 09
$3,209,869 72
To Balance of Working Account, 1915, from last account  $2,206,320 66
Balance of Working Account, former years, from last account   1,003,549 06
$3,209,869 72 P 84
Report of the Superintendent of Insurance,
1917
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British Columbia.
P 97
INVESTMENTS IN BRITISH COLUMBIA OF COMPANIES  OTHER THAN LIFE
INSURANCE COMPANIES.
(For British Columbia investments of Life Insurance Companies see Abstract of Returns of Life Insurance Companies, post.)
Name of Company.
American Central Insurance Co	
Boiler Inspection & Insurance Co	
Boston Insurance Co	
British America Assurance Co	
British Columbia Plate Glass Insuranee Co	
British Crown Assurance Corporation, Ltd	
California Insurance Co	
Canada Accident Assurance Co	
Canada National Fire Insurance Co	
Canadian Surety Co	
Century Insurance Co., Ltd	
Commercial Union Assurance Co., Ltd	
Dominion Fire Insurance Co	
Dominion of Canada Guarantee & Accident Insurance Co..
General Accident Assurance Co	
General Accident Fire & Life Assurance Corporation, Ltd.
Glens Falls Insurance Co	
Globe & Rutgers Fire Insurance Co	
Globe Indemnity Co. of Canada	
Guardian Accident & Guarantee Co	
Guardian Assurance Co., Ltd	
Hartford Fire Insurance Co	
Home Insurance Co ,
Hudson Bay Insurance Co.	
Imperial Guarantee & Accident Insurance Co	
Imperial Underwriters Corporation	
Insurance Co. of State of Pennsylvania	
Law, Union & Rock Insurance Co., Ltd	
Liverpool-Manitoba Assurance Co	
London & Lancashire Guarantee & Accident Insurance Co.,
London Guarantee & Accident Co., Ltd	
London Mutual Fire Insurance Co	
Loyal Protective Insurance Co	
Maryland Casualty Co	
National Ben Franklin Fire Insurance Co   	
National Benefit Life &. Property Assurance Co	
National Fire Insurance Co. of Hartford	
National Plate Glass Insurance Co	
National Union Fire Insurance Co	
North American Accident Insurance Co	
North British <fc Mercantile Insurance Co 	
North Empire Insurance Co	
Northern Assurance Co., Ltd	
Northwestern National Insurance Co	
Norwich Union Fire Insurance Society	
Pacific Coast Fire Insurance Co    	
Pacific States Fire Insurance Co	
Phoenix Assurance Co	
Queen Insurance Co. of America    	
Royal Insurance Co., Ltd	
Royal Plate Glass Insurance Co	
Springfield Fire & Marine Insurance Co	
Travelers Indemnity Co    ,	
Union Marine Insurance Co., Ltd	
Western Assurance Co	
Mortgages.
In other
t    Securities.*
466,250 00
13,000 00
47,763 28
103,373 66
457,500 00
283,149 32
2,705 00
290,000 00
2,250 00
Totals .
$2,200,287 55
$  30,660 00f
44,000 001
25,000 00f
156,000 00t
5,973 33f
25,220 00f
24,684 00
15,000 00
25,733 33t
26,000 00t
35,353 33
103,911 50t
33,770 15t
48,832 50t
20,000 00f
48,180 00t
5,000 00t
39,333 33t
70,680 00
71,847 00
50,000 00t
105,159 76
30,000 00f
30,434 75
53,200 00
29,200 00t
447 80
296,866 66tt
29,975 00
9,600 00
39,469 69
39,997 12
15,000 00f
22,984 75
5,510 OOt
35,000 00t
15,437 00
301,600 00
45,000 00t
250,000 00
54,506 671
75,200 00f
358,567 18
25,000 00t
60,975 02S
52,000 00t
207,321 05§
42,750 00
25,000 00t
24,333 00t
1,500 00t
£3,187,213 92
* Includes in some cases real property owne
securities not on record in its Canadian office.
t Par value. { Company states that it holds other British Columbia
§ Also shown with Returns of Life Insurance Companies. P 98
Report op the Superintendent op Insurance,
1917
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British Columbia.
P 99
NET FIRE INSURANCE PREMIUMS AND NET LOSSES, 1916.
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	
Arizona Fire Insurance Co	
Atlas Assurance Co., Ltd	
Beaver Fire Insurance Co	
Boston Insurance Co	
British America Assurance Co	
British Colonial Fire Insurance Co	
British Crown Assurance Corporation, Ltd	
British Dominions General Insurance Co., Ltd	
British Northwestern Fire Insurance Co	
Caledonian Insurance Co	
California Insurance Co	
Canada Accident Assurance 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 New7 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	
Franklin Fire Insurance Co. of Philadelphia	
General Accident Fire & Life Assurance Corporation, Ltd.
General Fire Assurance Co. (Paris, France)	
German Alliance Insurance Co	
German American Insurance Co	
Glens Falls Insurance Co	
Globe & Rutgers Fire Insurance Co	
Guardian Assurance Co., Ltd	
Hartford Fire Insurance Co	
Home Insurance Co	
Hudson Bay Insurance Co	
Imperial Underwriters Corporation of Canada	
Imperial Guarantee & Accident Insurance Co. of Canada.
Industrial Fire Insurance Co	
Insurance Co. of North America	
Insurance Co. of State of Pennsylvania	
Law, Union & Rock Insurance Co., Ltd	
Liverpool & London & Globe Insurance Co	
Liverpool-Manitoba Assurance Co	
London Assurance Corporation	
London & Lancashire Fire Insurance Co., Ltd.	
London Guarantee & Accident Co., Ltd	
London Mutual Fire Insurance Co	
Marine Insurance Co., Ltd	
Mechanics & Traders Insurance Co	
Mercantile Fire Insurance Oo    	
Merchants Fire Assurance Corporation	
Michigan Commercial Insurance Co	
Michigan Fire & Marine Insurance Co	
Millers National Insurance Co	
Minneapolis Fire & Marine Insurance Co	
Mount Royal Assurance Co	
National Ben Franklin Fire Insurance Co	
National Benefit Life & Property Assurance Co., Ltd	
National Fire Insurance Co. of Hartford	
Nationale Fire Insurance Co. (Paris, France)	
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	
Northwestern Mutual Fire Association	
Northwestern National Insurance Co  	
Norwich Union Fire Insurance Society, Ltd	
Carried forward	
Net Premiums.
Net Amount of
Losses incurred.
Net Amount of
Losses paid.
$     17,681 15
$  3,999 19
S  3,939 19
51,632 71
13,228 72
13,150 57
9,569 52
3,152 00
2,829 00
23,804 62
5,503 24
5,487 99
15,259 72
2,305 19
2,423 76
3,402 70
1,048 41
948 41
1,260 02
1,851 93
1,851 93
23,441 12
9,147 37
9,147 37
5,928 13
1,013 29
1,013 29
15,133 62
4,215 90
7,400 99
45,978 71
27,409 00
21,088 35
10,789 07
4,284 51
4,274 51
26,364 55
10,152 96
10,195 96
11,303 77
1,952 93
1,952 93
4,299 28
1,745 60
1,743 60
42,945 53
20,171 40
19,717 90
18,172 58
14,534 90
14,275 01
5,141 86
Nil.
mi.
34,197 95
22,788 60
22,781 60
20,178 18
3,314 26
1,239 26
10,074 78
697 61
185 36
7,514 81
3,873 64
4,097 34
93,395 76
75,702 33
77,421 37
7,411 08
2,416 94
2,520 30
32,248 78
12,311 43
12,382 62
33,445 51
5,801 68
6,469 30
6,303 95
608 83
324 23
10,470 70
7,981 91
7,981 91
994 40
mi.
Nil.
41,799 02
5,001 34
4,663 39
3,431 36
963 95
965 14
46,023 66
14,749 86
13,992 48
9,714 67
6,294 24
6,882 11
29,618 42
4,866 91
7,200 90
13,291 95
3,556 45
3,855 65
3,877 71
1,033 62
1,748 53
21,116 18
3,246 36
3,707 96
10,629 71
1,551 72
551 72
1,529 56
720 32
422 32
19,053 61
15,467 72
13,253 72
30,312 34
16,344 30
17,934 30
87,445 27
11,407 63
11,266 37
86,920 07
46,292 12
35,190 39
91,223 42
18,779 71
20,572 89
58,489 30
45,043 73
44,615 54
81,211 43
11,924 08
11,442 64
28,848 83
10,098 48
10,769 94
139 00
Sit.
Ml.
7,876 00
179 21
51 21
38,964 44
7,433 31
7,608 '48
20,001 04
196 82
196 82
14,729 22
10,103 58
10,169 13
146,878 19
68,538 12
56,867 07
34,292 94
23,261 54
22,909 29
52,964 01
24,645 61
22,559 61
. 88,688 47
63,155 19
56,627 44
2,576 61
5 00
5 00
42,414 16
23,008 18
21,773 18
3,020 03
790 32
790 32
6,933 37
1,845 60
1,906 58
26,642 99
9,866 59
19,668 12
7,710 88
6,807 61
5,648 51
13,401 87
9,068 62
9,120 65
5,437 88
2,668 85
1,964 25
3,898 81
4,876 79
2,426 79
10,268 64
2,462 27
1,962 92
39,613 83
20,934 50
20,042 55
11,071 55
1,967 47
2,624 57
14,746 87
2,746 97
2,156 57
58,698 71
40,007 66
27,163 96
20,843 63
11,767 48
16,153 64
20,956 67
9,242 95
9,443 98
12,577 27
3,989 47
2,970 05
11,338 08
2,395 07
4,326 07
21,536 74
8,749 02
9,762 55
30,351 48
11,794 08
12,070 28
68,890 52
27,449 00
25,597 71
53,099 68
22,197 57
21,447 57
10,471 35
10,676 78
10,676 78
8,492 76
1,593 88
1,589 99
8,795 71
611 80
611 80
7,677 46
4,858 61
4,855 61
60,264 71
23,034 19
8930,466 02
21,483 23
$2,139,151 54
$899,112 42 P 100
Eepoet op the Superintendent of Insurance,
1917
Fire Insurance Pbemiums 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, France)	
Phoenix Assurance Co., Ltd	
Phoenix Insurance Co. of Hartford	
Providence Washington Insurance Co	
Provincial Insurance Co., Ltd	
Quebec Fire Assurance Co	
Queen Insurance Co. of America	
Reliance Insurance Co. of Philadelphia	
Rhode Island Insurance Co	
Royal Exchange Assurance	
Royal Insurance Co.	
St. Paul Fire & Marine Insurance Co	
Scottish Union & National Insurance Co	
Springfield Fire & Marine Insurance Co	
Stuyvesant Insurance Co	
Sun Insurance Office	
Svea Fire & Life Insurance Co	
Union Assurance Society, Ltd	
Union Fire Insurance Co. of Paris, France	
Union Marine Insurance Co., Ltd	
Vulcan Fire Insurance Co. of Oakland, Cal....
Western Assurance Co	
Westchester Fire Insurance Co	
Yorkshire Insurance Co., Ltd	
Total	
Net Premiums.
$2,139,151 54
11,844 05
3,821 90
23,176 22
21,000 07
2,518 46
30,636 26
6,310 29
248,679 83
39,137 35
15,617 58
4,064 81
11,731 20
71,381 33
10,641 12
3,831 31
41,339 45
90,895 19
14,985 00
50,188 10
35,691 01
19,694 86
44,041 89
15,153 99
40,482 44
19,958 90
3,399 30
7,039 16
44,929 87
25,701 96
24,841 43
Net Amount of
Losses incurred.
83,121,885 87
$930,466 02
927 32
554 85
4,297 36
8,351 70
201 50
27,889 92
2,477 69
135,199 08
16,230 30
5,625 53
548 23
5,643 53
37,377 12
1,710 21
419 33
3,819 79
58,434 32
3,859 26
16,134 02
28,543 55
16,871 39
6,958 41
3,981 13
13,257 00
9.580 91
790 00
3,S64 84
20,285 36
11,883 57
2.581 55
$1,378,764 79
Net Amount of
Losses paid.
$899,112 42
797 32
554 85
4,163 56
9,516 39
156 00
28,071 45
2,427 69
112,207 26
14,983 28
4,154 10
548 23
5,970 38
31,486 53
1,678 78
2,577 13
3,736 12
49,074 39
3,864 96
14,419 02
17,936 55
8,601 00
8,697 75
3,612 43
13,305 75
9,592 10
755 00
3,904 65
20,298 79
11,857 39
2,575 23
,290,641 50
Summary.
1912	
1913	
1914	
1915	
1916	
Totals
Net Premiums.
Net Amount of
Losses incurred.
$ 3,535,653 32
$1,084,890 57
3,790,094 12
1,149,144 94*
3,592,878 30
1,696,7S0 49
3,180,168 66
1,176,835 11
3,121,885 87
1,378,764 79
$17,220,680 27
$6,4S6,415 90
Net Amount of
Losses paid.
$1,065,489 36
1,043,254 41
1,542,845 20
1,313,759 23
1,290,641 50
$6,255,989 70
* Approximate. 101
NET PREMIUMS AND LOSSES, 1916.    MISCELLANEOUS BUSINESS.
Name of Company.
Accident.
Sickness.
. Liability.
Automobile.
BCROLARY.
Guarantee.
Plate Glass.
Marine.
Live Stock, Steam-boiler,
Sprinkler Leakage, and
Inland Transportation.
(Indicated by Initial
Letters.)
Total
Premiums.
$ 43,770 52
11,686 17
1,189 28
6,468 22
2,816 67
9,940 26
5,753 42
73,792 35
7,299 26
47,555 26
40,943 27
6,279 05
83.255 69
3,574 68
33,179 11
15,661 50
329 24
49,634 51
167 50
6,991 13
103,500 75
168 30
17.256 19
16,125 31
8,466 61
3,576 74
5,733 69
42,669 80
15,272 23
2,216 93
1,415 50
658 05
357 88
7,811 82
5,463 90
— 6 13
1,082 19
3,267 46
945 84
1,121 93
7,201 51
7,435 44
39,026 31
2,878 01
6,330 35
4,164 13
607 73
45,112 31
155 00
7,945 00
7,918 12
05
13,266 13
657 50
703 00
4,302 67
7,976 05
18,383 83
5,905 88
2,011 07
1,028 02
Total
Losses.
Unsettled
Claims.
$   3,120 00
Nil.
Nil.
Nil.
476 00
NU.
Nil.
25,291 43
NU.
1,181 31
169 90
110 00
18,360 00
NU.
6,883 10
10,576 80
NU.
2,761 00
Nil.
5,790 05
11,120 49
NU.
1,095 00
5,218 10
3,280 00
NU.
NU.
63,635 00
828 90
NU.
618 00
50 00
Nil
228 63
759 65
NU.
Nil.
6,201 00
mi
41 07
11,880 00
30 00
8,150 00
NU.
NU.
Nil
Nil
36,310 00
4 07
NU.
NU.
Nil
NU.
NU.
Nil
7,530 00
605 00
NU.
1,059 17
NU.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
$ 42,738 63
11,686 17
Losses.
Premiums.
Losses.
$    1,031 89
Nil.
$ 19,979 64
Nil.
$ 19,979 64
NU.
Nil.
4,243 52
Nil.
5,034 23
21,502 75
65,618 22
802 45
11,382 79
11,947 75
2,270 62
32,438 23
842 19
41,898 82
7,467 72
100 00
17,538 37
Nil.
3,755 46
64,674 36
Nil
7,776 93
6,062 03
5,413 19
1,526 20
1,317 30
18,563 77
5,640 50
442 00
486 62
616 30
NU.
2,537 57
3,831 88
96 75
646 04
2,331 29
60 17
181 84
7,406 73
901 62
20,226 05
884 00
4,335 64
1,882 50
NU.
23,924 79
9 00
6,675 00
7,390 76
1,095 83
5,121 28
NU.
104 82
5,164 99
720 66
10,945 02
985 85
2,114 70
417 40
1
2
$1,189 28 S.B.
Nil.
3
6,468 22
2,816 67
4,243 52
Nil.
4
5
$ 9,910 26
$5,034 23
fi
7
5,753 42
21,502 75
7
Canada Accident Assurance Oo	
$   3,880 71
$ 1,614 58
$ 1,506 53
$   815 66
$ 66,310 18
$ 62,435 21
1,218 11
$   103 67
$     10 75
Nil.
$     199 15
7,299 26
Nil.
$ 802 .45
636 32
619 10
8
9.
10.
q
tl7,555 26
11,382 79
10
21,283 52
2,996 90
7,081 10
376 88
5,841 97
206 00
1,405 10
Nil.
14,143 23
1,455 28
361 50
222 80
930 80
1,505 75
519 62
1,388 77
56 23
117 50
62,831 92
13 00
48 25
27 50
739 32
Nil.
Nil.
$     5 00
1,165 20
233 85
1,848 32
874 23
Nil
134 18
1,003 07
725 80
n
1,520 00
28,706 09
Nil.
1,448 02
11,126 55
224 15
4,422 82
1,110 66
25 00
803 79
Nil.
1,442 38
100 00
12
13
574 97
780 96
1,393 51 S.B.
Nil.
14
28,756 29
40,456 11
15
16
General Accident Assurance Co. of Canada	
2,893 08
816 56
207 83
10,820 96
6,343 33
— 91 O0S.B.
329 21 L.S.
NU.
$100 00 L.S.
16
17
17
16,602 71
1,260 66
	
12,753 20
5,146 19
16,101 26
6,053 51
3,295 95
2,078 01
50 50
Nil.
530 86
167 50
160 00
1,321 10
Nil.
Nil.
355 19
88 39
18
19
20.
21.
1,379 76
1,073 58
175 75
218 93
762 21
51,903 36
127 25
22,601 14
1,398 72
25,618 85
3,033 09
21,493 06
164 24
Nil.
126 20
1,250 61
61 18
103 07
20
22,303 25
168 30
6,140 07
5,690 98
9,839 77
Nil.
3,385 28
504 44
21
22
23.
24.
26.
6,581 86
2,670 12
3,125 03
1,615 78
84 00
Nil.
1,177 05
100 25
148 68
5 50
23
10,434 33
5,557 59
24
378 50
Nil.
159 00
75 00
7,929.11
5,338 19
25
3,576 74
1,526 20
26
27.
28.
29.
30.
31.
32.
33.
34.
35
5,733 69
1,317 30
27
11,263 96
3,865 39
2,539 50
2,797 90
1,129 01
1,126 33
99 99
839 64
23,406 68
2,671 89
15,496 68
685 97
3,035 92
3,657 49
427 60
845 20
3,834 23
2,412 16
Nil.
Nil.
::::::::::
28
1,238 97
171 79
29
2,216 93
412 00
30
*1,145 50
*486 62
31
558 05
616 30
322 23
33
158 06
*5,163 90
t357 88
NU.
33
15 00
*3,831 88
342 00
58 75
2,370 93
662 35
1,683 90
922 46
84 50
360 85
1,828 26
Nil.
607 24
/   344 13 S.L.
\    92 50S.B.
176 65     )
19 28      f
34
35
36
— 6 13
1,082 19
96 75
545 04
36
37
37
33.
39
3,267 15
$ 2,331 29
38
945 84
60 17
39
1,121 93
215 60
501 93
1,512 48
181 84
44 15
97 00
540 36
40
599 47
1,663 95
10,268 65
Nil.
308 39
4,768 65
71 03
891 26
1,152 26
60 53
123 13
1,563 78
4,891 16
3,848 47
17,918 90
6,802 99
305 50
12,877 71
1,421 25
526 83
4,594 27
499 06
67 60
358 83
41
42
13
Ocean Accident & Guarantee Corporation, Ltd	
578 75
116 72
43
2,873 01
884 00
44
*6,330 35
*4,335 61
45
4,164 13
1,882 50
t607 73
46
17
NU.
47
IH
Railway Passengers Assurance Co  ..  	
10,918 19
*155 00
2,456 53
*9 00
3,611 89
2,764 05
23,119 63
14,671 03
4,692 38
1,278 29
18 00
Nil.
1,751 75
2,595 51
997 17
159 38
48
19
49
7,945 00
6,675 00
50
1,149 02
3,672 13
610 18
248 13
2,172 47
1,475 50
3,956 45
1,995 00
51
62
2,706 06
1,095 83
59,
63
2,901 74
657 60
351 05
Nil.
10,397 56
1,770 18
— 33 16 I.T.
Nil
53
54
185 75
1,256 21
670 87
Nil.
5,164 99
85 70
517 25
104 82
55
56
Union Marine Insurance Co., Ltd	
46 33
Nil.
16,206 35
56
188 31
73 20
1,769 70
558 37
607 85
223 74
112 81
57
7,043 72
3,199 28
442 36
Nil.
7,926 27
6,596 80
1,253 93
166 30
58
5,905 88
8,011 07
986 86
2,114 70
59
10 50
110 00 L.S.
60
61.
103 13
125 00
•$47,836 90
122 05
$100,723 51
Nil.
90 27
$282,166 25
Nil.
224 75
$93,559 32
$1,585 42
47 52
$28,535 73
81 90
$13,261 61
200 00
61
$365 85
$36,004 46
$13,995 01
$120,121 57
$126,329 46
$43,025 24
$191,399 19
$28,428 49
$200,464 08
$3,661 80
$495 93
$873,030 03
$459,233 09
$238,663 67
* Includes sickness. t Premiums written less return premiums and reinsurance paid licensed companies. 7 Geo. 5
British Columbia.
P 103
REPORTS ON FIRES IN CITY AND DISTRICT MUNICIPALITIES, 1916.
I. FlEES REPORTED.
Districts reporting.
Number.
Amount of Loss.
City Municipalities.
3
20
9
$ 9,296
64,252
26,334
1
13
3
3
13
6,500
5,846
2,300
2,650
1,885
9
8
2
21
10
23
17
2
3
3
153,225
10,035
440
5,491
4,139
68,135
6,316
2,150
110
166
20
7
10
11
68,187
10,792
60,892
2,819
1
250
3
198
5
78
815
504,677
2,452
31,386
496
$1,041,440
District Municipalities.
27
9
$    27,488
19,250
2
2
7
4,550
Delta	
2,075
29,068
2
1
6
1,157
3,000
40,650
1
5
7
5
1
9
1
14
11
11
50
19,324
11,240
2,210
900
4,830
3,710
18,152
77,240
41
5
19,802
6,550
5
23,062
'
172
$ 339,512
668
$1,380,952
Note.—Construction of buildings-
Fire-resisting	
Brick	
Frame	
2,   loss $ 235
61      ,i 99,740
605      „       1,280,977
Total..
$1,380,952 P 104
Report op the Superintendent of Insurance,
1917
II. Causes of Fires.
Causes of Fires.
Adjoining.   (See Exposure.)
Ashes against wood	
Back-draught from furnace	
Boiler Insufficiently protected	
Candle carelessness	
Carburettor back-firing	
Carburettor leaking	
Clothes too near stove ,	
Coal-gas exploding in furnace	
Defective chimney.	
Defective fireplace	
Defective furnace	
Defective lamp (brooder)	
Defective lantern	
Defective stoves or stove-pipes	
Defective wiring	
Electric wire breaking	
Electrical appliances.	
Exposure	
Feed-cooker insufficiently protected..
Fire-crackers, children with	
Firewood too near stove	
Foul chimney	
Fuel-oil leaking in basement.,	
Furnace insufficiently protected	
Furnace-pipe insufficiently protected..
Gas-plate insufficiently protected	
Gasolene carelessness	
Gasolene explosion  ■. -,	
Gasolene-tank leaking	
Gasolene-torch exploding	
Grease, tar, or oil, boiling over	
Incendiary	
Joists built into flue	
Lamp carelessness	
Lamp explosion	
Lamp upset	
Lighting fire with coal-oil or gasolene..
Lightning '.	
Match carelessness	
Matches, children with	
Oil-stove exploding	
Oil-stove insufficiently protected	
Oil stove leaking	
Oil-stove upset 	
Overheated bearing	
Paint boiling over {paint factory)	
Phosphorus igniting	
Rubbish near furnace	
Short circuit	
Smoke-stack insufficiently protected ..
Smokers' carelessness	
Sparks from anvil	
Sparks from burning rubbish	
Sparks from chimney	
Sparks from fireplace	
Sparks from furnace	
Sparks from incense burner ..  	
Sparks from mill burner	
Sparks from smoke-stack	
Sparks from stove	
Sparks from threshing-engine	
Spontaneous combustion	
Steam-pipes insufficient^' protected...
Stove insufficiently protected	
Stove-pipe chimney	
Stove-pipe hole unprotected	
Stove-pipe insufficiently protected.....
Thawing pipes	
Tramps	
Unknown	
Water-pipes in range bursting	
Totals
Number.
Amount of Loss.
12
$        1,628
1
4,100
1
10
3
600
3
87
1
70
12
5,452
3
9,275
39
36,427
21
4,445
2
11,050
1
50
1
3,000
8
4,196
7
70,408
1
10
8
4,711
71
320,454
1
475
1
5
8
4,957
3
138
2
85
6
6,908
5
627
1
5
1
28
3
1,185
1
25
1
10
4
2,760
25
86,931
1
2,368
2
625
4
10,404
5
2,665
2
370
1
150
6
530
20
5,527
4
6,905
1
5
1
45
3
220
4
52,344
1
284
1
125
1
910
3
330
1
10
22
7,034
1
200
1
50
89
22,694
6
670
o
7,070
1
1,069
5
793
3
23
10
2,936
1
1,300
9
17,542
1
2,100
42
36,555
6
1,480
2
35
16
14,092
12
721
4
2,120
116
598,533
1
6
668
$1,380,952
Note.—The above statement refers to city and district municipalities only. 7 Geo. 5
British Columbia.
P 105
III. Classification of Property burned and Causes.
Property.
Apartment-houses  4
Automobiles	
Bakeries .  3
Banks	
Barber-shops  1
Barns ,  21
Barracks  3
Beer-bottling sheds  1
Blacksmith-shops  2
Boarding-houses  1
Boats  5
Boat-houses  1
Boiler-houses  4
Breweries  2
Bridges  1
Brooders  1
Canneries  1
Cars (railway)  1
Chicken-houses  5
Churches  5
Cold-storage-plants  2
Club-houses  2
Court-houses  1
Dry-kilns  3
Carried forward  81
Causes.
Defective chimney  1
Exposure  I
Oil-stove upset  1
Smokers' carelessness.,  1
Carburettor back-firing  4
Gasolene-tank leaking  1
Short circuit  2
Smokers' carelessness  1
Defective chimney  1
Grease on range....     1
Unknown     1
Electrical appliances  1
Exposure  1
Unknown  1
Smokers' carelessness  1
Ashes against wood  1
Defective lantern  1
Exposure  2
Gasolene explosion  1
Incendiary  2
Matches, children with  5
Oil-stove explosion  1
Smokers' carelessness  1
Sparks from threshing-machine  1
Tramps  1
Unknown  5
Defective fireplace  1
Defective stove  1
Stove insufficiently protected  1
Defective chimney  1
Matches, children with  1
Sparks from anvil      1
Sparks from chimney  1
Smokers' carelessness  1
Steam-pipe insufficiently protected  1
Unknown  3
Tramps  1
Back-draft from furnace  1
Smoke-stack insufficiently protected  1
Sparks from mill burner  1
Spontaneous combustion  1
Defective wiring ,  1
Sparks from chimney '  1
Smokers' carelessness  1
Defective lamp  1
Unknown  1
Unknown  1
Ashes against wood  2
Matches, children with  1
Unknown  2
Candle carelessness  1
Defective chimney  1
Sparks from chimney  1
Sparks from incense-burner  1
Tar igniting on stove  1
Exposure  2
Oil-stove leaking  1
Unknown  1
Coal-gas exploding in furnace      1
Spontaneous combustion  2
Unknown     1
  81
Amount of Loss.
$ 2,657
25
100
325
25
$
1,300
2,200
5,500
$
15
6,500
25
550
3,000
48
400
3,710
2,699
15
5
1,300
30
9,860
15
200
30
348
200
315
2,100
61,000
4,100
10
400
50
$ 26,000
50
50
15
440
300
193
45
61
$ 16,524
8,191
$ 2,851
9,000
6,540
15
21,417
245
10
548
4
63,415
40
26,050
10
50
10,500
1,250
1,751
196,000
106
75
24,715
$ 370,199 P 106
Report op the Superintendent of Insurance,
1917
III. Classification of Property burned and Causes—Continued.
Property.
Brought forward.
Dwellings	
Elevators.   (See Warehouses, $66,000.)
Factories (bolt and nut)  1
Factories (candy)  1
Factories (match)  1
Factories (mattress)  1
Factories (paint)  1
Factories (wood-workers)  3
Factories  1
Fences   1
Fire-halls  1
Garages   10
Greenhouses  1
Halls (public)  1
Hospitals   1
Hotels  25
Carried forward.,
  81
Ashes against wood  4
Candle carelessness  2
Coal-gas exploding in furnace  2
Clothes too near stove  9
Defective chimney  25
Defective fireplace  17
Defective furnace  1
Defective stove or stove-pipes  7
Defective wiring  3
Electrical appliances  5
Exposure  24
Fire-crackers, children with     1
Firewood too near stove  8
Foul chimney  3
Furnace insufficiently protected  2
Furnace-pipe insufficiently protected  3
Gas-plate insufficiently protected  1
Grease igniting on stove  1
Incendiary  11
Lamp carelessness  1
Lamp explosion  4
Lamp upset  4
Lighting fire with gasolene  1
Match carelessness.  2
Matches, children with  11
Oil-stove exploding  2
Rubbish near furnace  1
Smokers' carelessness  4
Sparks from chimney  78
Sparks from fireplace  5
Sparks from mill burner  3
Sparks from smoke-stack  2
Sparks from stove  10
Stove insufficiently protected  28
Stove-pipe chimney  6
Stove-pipe hole unprotected  1
Stove-pipe insufficiently protected  15
Thawing pipes  11
Tramps  2
Unknown  59
Water-pipes bursting in range  1
Unknown  1
Defective furnace  1
Phosphorus igniting  1
Match carelessness  1
Paint boiling over .-  1
Defective wriring  1
Unknown 	
Overheated bearing  1
Ashes against wood  1
Spontaneous combustion  1
Exposure  1
Fuel-oil leakage in basement  1
Gasolene explosion  1
Incendiary   . 2
Match carelessness  1
Matches, children with   1
Unknown     3
Furnace-pipe insufficiently protected  1
Incendiary  1
Electrical appliances  1
Ashes against wood  1
Clothes too near stove	
Defective chimney	
Defective fireplace   1
Defective wiring  1
Electric wire breaking     1
  492
Amount of Loss.
$370,199
731
300
9,200
4,459
16,815
4,219
11,000
3,996
2,325
4,644
13,034
5
4,957
138
473
394
5
450
4,694
475
10,404
1,767
300
100
2,300
290
910
705
21,903
614
383
S
2,936
24,312
1,47S
25
5,592
571
2,050
62,490
6
18
75
775
1,560
250
150
6,275
25
.     638
5,725
.75 .
4,000
10
10,473
221,458
70,000
50
125
50
284
14,026
45
10
287
1,103
175
3,400
12 7 Geo. 5
British Columbia.
P 107
III. Classification of Property burned and Causes—Contmued.
Property.
Brought forward..
Hotels—Concluded	
Laboratories —    1
Laundries       3
Lumber-yards	
Office buildings 	
Piggeries—
Pool-rooms.
Pump-houses..
Restaurants...
Rooming-houses.
Sawmills     3
Schools     3
Sheds..
Shingle-mills     5
Slaughter-houses        1
Spice-mills     1
Stores  50
Carried forward..
Causes.
Exposure	
Fuel-oil leaking in basement..
Lamp carelessness	
Lighting fire with coal-oil.
Smokers' carelessness	
Sparks from chimney	
Stove insufficiently protected .
Tar-pot boiling over	
Unknown 	
Furnaces insufficiently protected.
Ashes against wood	
Boiler insufficiently protected.
Unknown 	
Incendiary.,
Unknown ..
Exposure	
Detective chimney.	
Spontaneous combustion	
Stove insufficiently protected	
Feed-cooker insufficiently protected.
Exposure	
Incendiary 	
Spontaneous combustion	
Unknown 	
Unknown         1
Exposure	
Defective, chimney....
Incendiary	
Oil-stove upset	
Smokers' carelessness.
Exposure	
Smokers' carelessness	
Sparks from chimney	
Spontaneous combustion	
Stove insufficiently protected..
Sparks from furnace	
Sparks from smoke-stack.,
Spontaneous combustion..
Furnace insufficiently protected..
Sparks from chimney	
Stove-pipe chimney	
Ashes against wood	
Match carelessness	
Matches, children with.
Unknown     	
Overheated bearing	
Sparks from furnace	
Sparks from mill burner .
Unknown	
Furnace insufficiently protected.
Overheated bearing	
Clothes too near stove	
Defective chimney	
Defective wiring	
Exposure	
Furnace insufficiently protected..
Gasolene carelessness	
Gasolene explosion..	
Incendiary	
Joists built into flue	
Oil-stove insufficiently protected.
Oil-stove upset	
Smokers' carelessness	
Sparks from burning rubbish	
Sparks from chimney	
Stove insufficiently protected	
Unknown 	
Amount of Loss.
$ 10,473
540
10
150
70
3,557
405
50
16
35,364
10
10
S    1,305
1,500
S 19,350
200
§    2,150
211 .
262
1,761
S    7,450
216
5
50
650
50
15
10
1,327
$
370
15
50
$
6,000
167
2
$
10
5
15
339
48,027
6,700
10
8,500
355
9,116
31,207
61,307
360
28
10
5,743
2,368
5
115
1,675
50
10
2,272
50,672
50,635
25
19,835
475
4,384
450
7,801
435
63,237
50
166,293
1,017,556 P 108
Report op the Superintendent op Insurance,
1917
III. Classification of Property burned and Causes—Concluded.
Property.
Brought forward..
Stores and dwellings over..
Stores and offices over 4
Street-cars     1
Tents     4
Theatres     1
Theatres (moving picture)     2
Tinsmith-shops     1
Transformer-stations     1
Warehouses     8.
Water-tanks     1
Totals 668
Causes.
Ashes against wood  1
Defective chimney  2
Defective fireplace  2
Electrical appliances  1
Exposure..     4
Incendiary  1
Lamp upset  1
Match carelessness  1
Oil-stove explosion ,  1
Smokers' carelessness  3
Sparks from chimney  1
Sparks from fireplace  1
Spontaneous combustion :  1
Stove insufficiently protected  2
Stove-pipe insufficiently protected  1
Unknown  8
Furness-pipe insufficiently protected  1
Stove insufficiently protected  1
Unknown ,  2
Short circuit  1
Sparks from stove-pipe chimney  1
Stove insufficiently protected      1
Unknown     2
Defective chimney  1
Stove-pipe hole unprotected     1
Unknown  1
Gasolene-torch exploding  1
Lightning  1
Exposure  1
Incendiary  1
Smokers' carelessness   1
Stove insufficiently protected  1
Unknown  4
Thawing pipes  1
    668
Amount of Loss.
442
95
136
40
13,377
228
898
125
6,600
543
5
56
299
6,515
8,500
80,227
* 58
1,787
139,297
40
27
180
s      io
7,200
5
66,000
10
30,276
L.017,556
141,142
5
247
100
7,210
10
96,296
150
Note.—The above statement refers to city and district municipalities only. 7 Geo. 5
British Columbia.
P 109
IV. Fires by Months, 1916.
City and District Municipalities only (Table I.).
January 	
February .  ..
March	
April	
May	
June	
July	
August	
September	
October	
November
December....
Totals
Fires reported.
88
26
36
33
52
39
51
23
35
44
34
35
29
11
19
22
16
9
8
7
10
24
13
4
117
37
65
55
68
48
59
30
45
68
47
39
Amount of Loss.
190,585
7,241
66,035
26,564
321,022
14,006
85,808
54,487
28,362
150,760
78,870
27,700
$1,041,440
57,166
13,672
29,347
20,964
10,589
10,354
5,630
5,820
86,362
53,837
44,436
1,335
$339,512
Total.
$  247,751
20,913
85,382
47,528
331,611
24,360
91,438
60,307
114,724
204,597
123,306
29,035
$1,380,952
V. Fiees  (bepokted by Municipalities), 1914-16.
Cities.
Districts.
Totai,.
Year.
Number
reporting.
Fires
reported.
Loss.
Number
reporting.
Fires
reported.
Loss.
Number
reporting.
Fires
reported.
Loss.
1914	
1915	
1916	
33
34
35
535
469
496
$1,249,723
865,093
1,041,440
$3,156,256
28
28
28
223
240
172
$ 390,111
365,717
339,512
61
62
63
758
709
668
$1,639,834
1,230,810
1,380,952
Totals	
102
1,500
84
635
$1,095,340
186
2,135
$4,251,596
VI. Loss of Life, 1916.
Occupancy.
Dwelling ....
Dwelling ....
Dwelling ....
Dwelling ....
Dwelling ....
Dwelling ....
Dwelling	
Dwelling ....
Dwelling....
Boiler-house.
Totals.
Cause of Fire.
Children playing with matches	
Defective stove-pipe	
Explosion of stumping-powder in burning house	
Lamp thrown down	
Oil-stove left burning downstairs at night	
Pouring coal-oil on fire	
Thawing frozen pipes (gasolene-torch exploded)	
Unknown (probably defective or unprotected stove).
Waste paper ignited by stove	
Back-draught	
Loss of Life.
Adults.
Children.  INDEX.
ANNUAL STATEMENTS.
Page.
Agricultural Insurance Co  9
Alliance Insurance Co. of Philadelphia   11
Arizona Eire Insurance Co  13
Boston Insurance Co  14
British Columbia Plate Glass Insurance Co  64
British Crown Assurance Corporation, Ltd  16
Canton Insurance Office, Ltd  66
Century Insurance Co., Ltd  17
Citizens Insurance Co. of Missouri   22
Commercial Union Fire Insurance Co. of New York   24
Detroit Fire & Marine Insurance Co  26
Fire Association of Philadelphia    28
Franklin Fire Insurance Co. of Philadelphia   30
German Alliance Insurance Co  31
Guardian Casualty & Guaranty Co.  (of Utah)     67
Industrial Fire Insurance Co  31
London & Provincial Marine & General Insurance Co., Ltd  69
Maritime Insurance Co., Ltd  71
Mechanics & Traders Insurance Co  33
Merchants Fire Assurance Corporation of New York   35
Michigan Commercial Insurance Co  36
Michigan Fire & Marine Insurance Co  37
Minneapolis Fire & Marine Insurance Co  39
National Benefit Life & Property Assurance Co., Ltd  41
National Plate Glass Insurance Co., Ltd  72
Newark Fire Insurance Co  44
New Jersey Fire Insurance Co  46
New Zealand Insurance Co., Ltd '.  48
Northwestern Mutual Fire Association     48
Ocean Marine Insurance Co., Ltd  74
Pacific Fire Insurance Co  50
Pacific States Fire Insurance Co  52
Queensland Insurance Co., Ltd  76
Reliance Insurance Co. of Philadelphia    54
Reliance Marine Insurance Co  78
Rhode Island Insurance Co  56
Royal Plate Glass Insurance Co. of Canada    80
Svea Fire & Life Insurance Co., Ltd  58
Union Marine Insurance Co., Ltd  60
Vulcan Fire Insurance Co  62
Yaug-tsze Insurance Association, Ltd  SI TABLES.
Fire Insurance—
Page.
Companies licensed, List of December 31st, 1916   S4
Companies admitted during 1916    5
Companies which withdrew during 1916  5
Assets, Provincial Licensees    90
Liabilities, Provincial Licensees   91
Receipts, Provincial Licensees    92
Expenditure, Provincial Licensees   93
Business in British Columbia, Provincial Licensees    94
Premiums and Losses (net), 1916   99
Fire Reports—
General Remarks (Fire-prevention—the Larger Losses, Convictions, etc.)     6
I. Cities and Districts reporting    103
II. Causes of Fires     104
III. Classification of Property burned   105
IV. Fires   (1916)   by Months    109
V. Comparison, 1914, 1915, and 1916   109
VI. Loss of Life   109
Life Insurance—
Companies licensed, List of December 31st, 1916  87
Business in British Columbia   9S
Miscellaneous Insurance—
Companies licensed, List of December 31st, 1916   87
Companies admitted, 1916    8
Companies which withdrew, 1916  7
Assets, Provincial Licensees    95
Liabilities, Provincial Licensees   95
Receipts, Provincial Licensees    96
Expenditure, Provincial Licensees   96
Premiums and Losses  (tabulated)     101
Investments in British Columbia—
Life Companies    98
Other Companies   97
VICTORIA,   B.C. :
Printed by William H.  Clllin, Printer to the King's Most Excellent Majesty.
1917.

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