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THIRTEENTH ANNUAL REPORT OF THE SUPERINTENDENT OF INSURANCE FOR THE PROVINCE OF BRITISH COLUMBIA 1924… British Columbia. Legislative Assembly [1924]

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Full Text

 THIRTEENTH ANNUAL REPORT
OP  THE
SUPERINTENDENT OF INSURANCE
FOR  THE
PROVINCE OF BRITISH COLUMBIA
1924
(BUSINESS TRANSACTED IN 1923)
PRINTED   BY
AUTHORITY OF THE LEGISLATIVE ASSEMBLY.
VICTORIA, B.C.:
Printed by Charles F. Banfield, Printer to the King's Most Excellent Majesty
1924.  To His Honour Walter Cameron Nichol,
Lieutenant-Governor of the Province of British Columbia.
May it please Your Honour :
The undersigned has the honour to present the Thirteenth Annual Report of the
Superintendent of Insurance for the year ended December 31st, 1923.
A. M. MANSON,
Attorney-General.
Victoria, B.C., August 1st, 1924.  REPORT OF THE
SUPERINTENDENT OF INSURANCE
Department op Insurance,
Victoria, B.C., August 1st, 1924.
The Honourable A. M. Manson,
Attorney-General, Victoria, B.O.
Sir,—The Thirteenth Annual Report of the Department, covering the year ended Decemher
Slst. 1923, is hereby submitted in accordance with the " British Columbia Fire Insurance Act,"
"■ Insurance Act," and " Insurance Agents' Licensing Act."
I.   " BRITISH COLUMBIA FIRE INSURANCE ACT."
At the end of the year 1923 there were one hundred and forty-nine (149) companies licensed
to transact fire insurance under this Act.
Four British, two United States and one Australian Companies were added to the list,
making a total of seven new companies licensed for the year 1923. These companies were as
follows:—
British.—Anglo Scottish General Commercial Insurance Company, Limited; British &
European Insurance Company, Limited; Central Insurance Company, Limited; Prudential
Assurance Company, Limited.
United States.—Imperial Assurance Company, New York; Lumbermen's Indemnity
Exchange.
Australian.—Bankers & Traders Insurance Company, Limited.
The China Fire Insurance Company, Limited, withdrew from the Province.
A complete list of the companies licensed as at December 31st, 1923, is printed on pages
14-16, and the origin of the various companies is as follows:—
Dominion of Canada     31
Provinces of Canada       7
Great Britain        48
Australia      2
Hong Kong       3
United States     53
France       4
Switzerland         1
Total   149
There are twenty (20) Underwriters' Agencies licensed in this Province, a list of which will
be found printed on page 16.
In comparison with the year 1922 the Are premiums have increased by .$392,300, while the
losses have exceeded that of 1922 by $984,000. The year past was a disastrous one for mills
and wood-working plants, there having been thirty-three such plants either damaged or totally
destroyed by fire.
II.   " INSURANCE ACT."
Under this Act, at the end of 1923, there were one hundred and fifty (150) companies
licensed to transact various classes of insurance.
Six new companies obtained licences, as follows:—
British.—Central Insurance Company, Limited; North British & Mercantile Insurance
Company, Limited.
Canadian.—Hudson Bay Insurance Company;  Security Life Insurance Company of Canada.
United States.—American Credit Indemnity Company of New York; New Hampshire Fire
Insurance Company.
Twelve supplementary licences were granted during the year to companies already licensed
under the Act. K 6
British Columbia.
1924
Four companies withdrew from the Province, namely:—
New Zealand Insurance Company, Limited—Marine; Policy Holders Mutual Life Insurance
Company—Life (business taken over by the Ontario Equitable Life and Accident Insurance
Company, which is duly licensed to transact life insurance under the Act) ; Ridgely Protective
Association—Accident and Sickness; Tokio Marine & Fire Insurance Company, Limited—Marine.
Summary.
Where incorporated.
•
Dominion
Licensees.
Provincial
Licensees.
Total.
British Columbia	
45
2
34
1
2
49
2
1
10
2
2
2
45
3
44
1
4
41
Totals	
133
17
150
Statistics as to life and miscellaneous insurance business will be found on pages 23 and 25.
The report of the Fire Marshal for the year 1923 is also embodied in this Report.
III.   "INSURANCE AGENTS' LICENSING ACT."
The " Insurance Agents' Licensing Act," which was brought into force on January 1st, 1923,
has served to eliminate a great many who were ineligible to act as agents, and although the
situation has not been what was hoped for there is every prospect that during the present year
conditions will work out more satisfactorily. In accordance with the Act there was published
in the British Columbia Gazette a list of all agents and adjusters who were licensed during
1923. According to the records 1,009 life insurance agents, 1,195 Are and miscellaneous insurance
agents, and 13 adjusters were licensed for 1923 under the Act.
In October of last year the Superintendents of Insurance for the Provinces of Canada held
a conference in Winnipeg; Ontario, Manitoba, Saskatchewan, and Alberta, in addition to our
own Province being represented. At that conference the Superintendents adopted the uniform
" Fire Insurance Policy Act," which I hope will be presented to our Legislature at its next
session.
The uniform " Accident and Sickness Insurance Policy Act " and the uniform " Life Insurance
Act," which were adopted at the 1922 session of our Legislature will come into force by proclamation on September 2nd, 1924.
I have the honour to be,
Sir,
Your obedient servant,
J. P. DOUGHERTY,
Superintendent of Insurance. 14 Geo. 5 Report of the Superintendent of Insurance. K 7
APPENDIX.
Annual Statements of Provincial Licensees for the Year ended
December 31st, 1923.
BRITISH  COLUMBIA PLATE GLASS INSURANCE COMPANY.
Head Office—Vancouver, B.C.
Directors.
Walter E. Graveley. W. J. Albutt.
F. M. Chaldecott. A. F. Beasley.
A. G. Thynne.
Alfred Farmer, Secretary.
Amount   deposited  with   the   Government   of   British   Columbia:    Inscribed   Stock,   £200;
Township of Richmond bonds, $5,000;   Dominion  of Canada War Loan bonds,  $1,000;   total
(par), $6,220.17.
Authorized capital   $25,000
Amount subscribed      9,600
Amount paid up       3,840
Statement for the Year ended December 31st, 1923.
Assets.
Cash value (excluding interest and dividends) of stocks, shares, bonds, debentures, etc. $44,518 67
Cash on deposit to the Company's credit and not drawn against on December 31st, 1923     3,222 49
Premiums uncollected  (net commissions deducted)        8,838 OS
Interest due or accrued and unpaid          385 02
Amount of all other assets       4,759 28
Total assets   $61,724 14
Liabilities.
Total reserve of unearned premiums $3S,200.32; carried out at 80 per cent, thereof $30,600 00
Total amount of liabilities   $30,600 CO
Capital stock paid up       3,840 00
Total of liabilities and paid-up capital   $34,440 00
Excess of assets over such total  $27,284 14
Receipts.
Net cash received for premiums  $43,688 27
Cash received for interest       2,216 87
Cash from all other sources          237 70
Total receipts   $46,142 84 K 8
British Columbia.
1924
Expenditure,
Cash paid to agents for commission, salaries, and bonus
for statutory assessment and licence fees 	
„   war tax  ,	
„   salaries, directors' and auditors' fees 	
„   printing, stationery, and advertising 	
„   postage, telegrams, and express 	
„   other expenditure 	
Total expenses of management 	
Amount paid during the year for losses 	
Cash paid for dividends 	
Cash paid for debentures, mortgages, etc. (not extended), $13,948.24.
Cash paid for other expenditure	
$15,679
89
935
47
450
86
1,060 00
117
93
30 00
39
85
$18,314 00
11,566
40
960 00
197 52
Total expenditure   $31,037 98
List of Shareholders.
Name.
Residence.
No. of
Shares.
Amount
subscribed.
Amount
paid.
W.  J.  Albutt                                     	
Vancouver	
38
15
1
1
7
5
9
5
5
1
1
5
o
1
2
5
$3,800
1,500
100
100
700
500
'• 200
500
500
100
100
500
200
100
200
500
$1,520
E. A. Albutt                  	
600
H. C. Aekroyd	
40
40
A.  E.   Beasley	
H.   Bell-Irving ..  .   '.	
280
200
F. I.  Blythe                                             	
80
F. M. Chaldecott       	
Vancouver	
200
200
40
A. McC. Creery	
W. E. Graveley	
C. E. Hope	
40
200
80
Hobt.  Martin     	
40
80
A. G. Thynne	
200
96
$9,600
$3,840
ROYAL PLATE  GLASS INSURANCE  COMPANY.
Head Office—Vancouver,  B.C.
Directors.
Dr. D. H. Wilson. R. W. Harris.
W. H. Malkin. A. P. Bogardus.
J. P. Nicolls. C. A  Wickens.
Edgar S. Smith, Secretary.
Amount deposited with the Government of British Columbia:   Deposit receipt of Canadian
Bank of Commerce, $125;  Dominion War Loan Bonds (par), $5,000;  total, $5,125.
Authorized capital   $25,000
Amount subscribed      10,000
Amount paid up      2,750
Statement for the Year ended December 31st, 1923:
■* Assets.
Cash value of mortgages, exclusive of interest  $ 6,150 00
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc.     7,056 00 14 Geo. 5
Keport of the Superintendent of Insurance.
K 9
Cash on deposit to the Company's credit and not drawn against on December 31st,
1923  $ 3,093 40
Agents' balances and premiums uncollected          458 74
Interest due or accrued and unpaid   69 88
Commission on premiums paid in advance        1,303 23
Total assets  $18,131 25
Liabilities.
Claims or losses adjusted, remaining unpaid   $     29S 44
Reserve of unearned premiums        3,S8S 77
Amount of all other liabilities  8 36
Total amount of liabilities  $ 4,195 57
Capital stock paid up       2,750 00
Total of liabilities and paid up capital   $ 6,945 57
Excess of assets over such total   $11,185 68
Receipts.
Cash received for premiums   $ 4,939 54
Cash received for interest         888 70
Cash received for mortgages, etc. (not extended), $2,100.
Total receipts   $ 5.828 24
Expenditure.
Cash paid to agents for commission, salaries, and bonus   $ 1,500 11
for interest, discount, and exchange 	
„   statutory assessment and licence fees 	
„   salaries, directors' and auditors' fees 	
„   rent and taxes	
„   printing, stationery, and advertising 	
4
28
40
11
325
00
113
94
25
45
Total expenses of management  $ 2,008 89
Amount paid for losses occurring prior to 1923   21 19
Amount paid for losses occurring during the year  1,1.40 07
Cash paid for debentures, etc. (not extended), $2,056.
Total expenditure   $ 3,171 05
List of Shareholders.
Name.
Residence.
No. of
Shares.
Amount
Subscribed.
Amount
Paid.
A. P.   Bogardus	
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
385 00
W    H    Malkin
385 00
220 00
P. G. Mason	
220 00
J.   P.   Nicholls	
137 50
Boston, U.S.A	
330 00
M. Douglas 	
137 50
R.  D.   Douglas	
N. S. Douglas	
Binghampton, U.S.A	
137 50
137 50
100
$10,000
$2,750 00 K 10 British Columbia. 1924
THE WAWANESA MUTUAL FIRE INSURANCE COMPANY.
Head Office—Wawanesa, Man.
rjircctors.
S. H. Henderson. Samuel Reid.
E. H. Dewart. Robert Wallace.
A. J. Elliott. G. H. Stephens.
Amount deposited with the Government of British Columbia : Grand Trunk Pacific 4-per-cent.
bonds, $22,386.66;   Canada National Railway 4-per-cent. stock, $8,176  (par) ;   total, $30,562.66.
Statement for the Year ended December 31st, 1923.
Assets.
Cash value of real estate, less encumbrances   $     16,763 91
Bonds, debentures, securities, other than the foregoing  339,746 00
Actual cash on hand at Head Office  1,585 74
Cash in agents' hands, acknowledged by them to be due   2,466 24
Amount unpaid of instalments or fixed payments on premium notes  5,545 39
Amount unpaid of assessments which were levied during 1923   125,426 22
Amount unpaid of assessments levied in prior years   19,744 04
Net premium note asset   1,257,404 43
Interest due and accrued   5,416 10
Office furniture^ etc.  (not extended), $5,655.SO.
Unearned premiums on reinsurance   •    10,453 20
Total assets   $1,784,551 27
Liabilities.
Amount of losses supposed or reported   $ 112,566 02
Amount required to reinsurance all outstanding risks on cash system   127,133 02
Amount of bank overdraft  6,042 75
Amount of all other liabilities   9,620 37
Total liabilities   $ 255,362 16
Receipts.
Cash on hand at Head Office (not extended), $57,617.S6 (1922).
Cash received by Company as fixed payments due in 1923   $ 11,197 60
Cash received by Company as fixed payments due in prior years   2,161 62
Cash received hy Company for assessments levied in 1923   366,876 83
Cash received by Company for assessments levied in years prior to 1923   36,289 61
Cash received for premiums on cash system   84,269 80
Cash received for interest during 1923   16,387 34
Cash received from bank  -'  6,042 75
Cash received for reinsurance of losses   6,774 25
Cash received from all other sources  5,916 92
Total cash receipts  $  535,916 72
Expenditure.
Expenses of management—
Cash paid for commissions or allowances of any kind to agents   $     62,009 48
law costs   1,471 69
fuel and light   627 98
investigation and adjustment of claims   14,331 23
statutory assessment and licence fees   5,767 56
travelling expenses  2,672 93 14 Geo. 5             Keport of the Superintendent of Insurance. K 11
Expenses of Management—Continued.
Cash paid for salaries, directors' and auditors' fees   $    37,519 23
,,            „   printing, stationery, and advertising   7,625 02
„           „   postage, telegrams, and express   9,979 60
„           „   interest and exchange   7,777 87
„           „   other expenses   2,300 47
Total expenses of management   $   152,0S3 06
Miscellaneous payments—
Cash paid for losses which occurred prior to 1923   45,393 19
„   losses during 1923   367.009 90
„           „   reinsurance     15,941 14
„           ,,   rebate, abatement, and returned premiums   5,651 SS
„           „   expenditure other than the foregoing  ■          944 93
Total expenditure  $   587,624 10
Returns for British Columbia.
Deposit with Government:   Grand Trunk Pacific 4-per-cent. bonds, $22,386.66, and
Canadian National Railways 4-per-cent. stock, $8,176 (par)   $     30,562 66
Other assets .....  	
Liabilities  255 93
Premium notes   74,196 50
Gross premiums received   14,071 S9
Losses incurred, net   23,530 01
Losses paid, net   23,530 01
Net amount at risk   4,352,459 00
WESTERN EMPIRE LIFE ASSURANCE  COMPANY.
Head Office—Winnipeg, Manitoba.
Directors.
Wm. Smith. Brig.-General Dyer.
R. W. Craig. G. N. Broatch.
Dr. A. M. Campbell. F. D. Byers.
Wm. Hudson. S. D. Hannah.
F. C. O'Brien, Secretary.
Amount deposited with the Government of British Columbia:  Pacific Great Eastern Stock,
£6,800.
Authorized capital   $1,000,000 00
Amount subscribed     1,000,000 00
Called capital       250,000 00
Amount paid up in cash        223,173 55
Statement for the Year ended December 31st, 1923.
Assets.
Cash value of real estate, less encumbrances   $     15,319 60
Cash value of mortgages, exclusive of interest   191,825 37
Loans, other than those secured by mortgages  115,751 98
Cash value   (excluding interest and dividends)   of stock, shares,  bonds, debentures, etc  329,181 41
Cash on hand at Head Office   7,519 71
Cash on deposit to the Company's credit and not drawn against on December 31st,
1923     14,400 18
Premiums uncollected   115,223 37 K 12
British Columbia.
1924
Interest due or accrued and unpaid   <p 20,016 69
Calls on capital stock outstanding in course of collection   26,826 45
Premium on capital   47,502 08
Amount of all other assets   62 795 02
Office furniture (not extended), $4,238.10.
Total assets   $   946,361 86
Liabilities.
Claims or losses adjusted ..:  $      2,918 33
Claims or losses in suspense  2.000 00
Amount of unpaid loans   60,000 00
Reinsurance reserve for life insurance contracts in force   602,931 00
Amount due or accrued for salaries, printing, etc  1,868 33
Amount of all other liabilities  5,611 95
Receipts.
Net premiums received in cash 	
Cash received for interest  '.	
Cash received for calls on capital stock 	
Cash from all other sources	
Cash received for debentures, mortgages, etc. (not extended), $101,885.09.
Total of liabilities   $   675,329 61
Capital stock paid up in cash         215,420 05
Total of liabilities and paid-up capital   $   890,749 66
Excess of assets over such total  $    55.612 20
160.610 05
39,402 19
8,279 00
13,751 89
Total receipts   $   222,043 13
Expenditure.
Cash paid to agents for commission, salaries, and bonus
for law costs	
„   medical examiners' fees 	
„   interest, discount, and exchange 	
„   statutory assessment and licence fees 	
„   travelling expenses	
„   rent and taxes 	
„   salaries, directors' and auditors' fees 	
„   printing, stationery, and advertising 	
„   postage, telegrams, and express 	
„   other expenses 	
Total expenses of management 	
Amount paid for losses occurring prior to 1923 	
Amount paid for losses occurring during 1923 	
Cash paid for dividends 	
Cash paid for other expenditure 	
Cash paid for debentures, mortgages, etc. (not extended), $188,293.57.
$  34,185
40
713
32
3,484
50
297
84
4,835
22
1,547
85
2,760 00
20,593
00
4,525
69
1,391
00
10,622
04
$  84.955
86
2,275
00
13.904
10
2,296
59
17,980 00
Total expenditure   $   121,411 5? 14 Geo. 5             Report of the Superintendent of Insurance. K 13
Returns for British Columbia.
Deposit with Government. P.G.E. stock   $    28,350 64
Assets  (real estate, $15,319.60; mortgage, $9,400;  loans, $5,812.10;  cash, $217.25;
agents' balances, $18,383.30;  interest, $1,812.50;  calls on capital stock, $962.50;
premium on stock, $844.43;  other assets, $1,984.90)   54,736 58
Liabilities   59,773 90
Premiums received   28,062 17
Losses incurred, net   2,000 00
Losses paid, net  :  3,904 10
Amount at risk  1,075,578 00 K 14
British Columbia.
1924
LIST OF COMPANIES LICENSED UNDER THE " BRITISH COLUMBIA FIRE
INSURANCE ACT."
Name of Company and Head Office.
Attorney to receive Process in British
Columbia.
(Corrected to August 1st, 1924.)
The Acadia Fire Insurance Company, Halifax, N.S	
Aetna Insurance Company, Hartford, Conn	
Agricultural Insurance Company, Watertown, N.Y	
Alliance Assurance. Company, Limited, London, England	
Alliance Insurance  Company of Philadelphia..	
American Alliance Insurance Company, New York, N.Y	
American Central Insurance Company, St. Louis, Missouri	
American  Equitable  Assurance  Company of New York, N.Y	
The American Insurance Company, Newark, N.J	
The Anglo Scottish General Commercial Insurance Company,
Limited,   London,  England
Atlas Assurance Company,  Limited, London,  England	
The Autocar Fire and Accident Insurance Company, Limited, London,   England
Baloise Fire Insurance Company, Basle,  Switzerland	
Bankers & Traders' Insurance Company, Limited, Sydney, Australia
Beaver  Fire  Insurance  Company,   Winnipeg,  Man	
Boston   Insurance   Company,   Boston,   Mass	
British America Assurance Company, Toronto, Ontario	
British & European Insurance Company, Limited, London, England
British Colonial Fire Insurance Company, Montreal, Que	
British  Crown Assurance Corporation,  Ltd.,  Glasgow,   Scotland....
The British General Insurance Co., Ltd., London, England	
British North Western  Fire  Insurance Company,  Toronto,  Ont	
The British Oak Insurance Company, Limited, London, England....
British Traders' Insurance Company, Ltd., Victoria, Hong Kong....
Caledonian American Insurance Co., New York, N.Y	
Caledonian  Insurance  Company,  Edinburgh,   Scotland	
California   Insurance  Company,   San   Francisco.   Cal	
The Canada Accident and Fire Assurance Co., Montreal Que	
Canada National   Fire  Insurance  Company.   Winnipeg.   Man	
Canada Security Assurance Co., Toronto, Ont	
The   Canadian   Indemnity   Co.,   Winnipeg,   Man	
Canadian   Fire   Insurance   Company,   Winnipeg,   Man	
JThe Canadian Surety Company, Toronto, Ont	
Car & General Insurance Corporation, Limited, London, England....
The Central Insurance Company,  Limited,  London, England	
The Century Insurance Company,  Limited,  Edinburgh,  Scotland....
The China Fire Insurance Company, Ltd., Victoria, Hong Kong....
Citizens   Insurance  Company of Missouri,   St.  Louis, Mo	
Columbia   Insurance  Co.,   Jersey   City,   N.J	
Commercial Union Assurance Company, Limited, London,  England
Commercial Union  Fire  Insurance  Company  of New York	
Connecticut   Fire   Insurance   Company,   Hartford,   Conn	
Continental Insurance Company, New York, N.Y	
The Cornhill Insurance Company, Limited,  London,  England	
Dominion Fire  Insurance  Company,  Toronto,  Ont	
Dominion Gresham Guarantee & Casualty Company, Montreal, Que.
The Dominion of Canada Guarantee & Accident Insurance Company,   Toronto,   Ont.
The Eagle, Star & British Dominions Insurance Co., Ltd., London,
England.
Employers Liability Assurance Corporation, Limited, London, Eng.
Ensign Insurance Company, Toronto, Ontario	
Equitable Fire & Marine Insurance Company, Providence, K.I	
The Essex and Suffolk Equitable Insurance 'Society, Ltd., London,
England
Fidelity Phenix Fire Insurance Company, New7 York, N.Y	
Fire  Association  of  Philadelphia,   Philadelphia,   Pa	
The Fire Insurance Company of Canada,  Montreal, Que	
Fireman's Fund Insurance Company,  San Francisco, Cal	
Firemen's Insurance Company of Newark, New Jersey	
The  Franklin   Fire  Insurance  Company   of  Philadelphia	
The General Accident Assurance Company of Canada, Toronto, Ont.
General Accident Fire & Life Assurance Corporation, Limited,
Perth,   Scotland
General   Fire   Assurance   Company,   Paris,   France...	
The Girard Fire & Marine Insurance Company, Philadelphia, Pa.
Glens  Falls  Insurance   Company,   Glens   Falls,   N.Y	
Globe & Rutgers Fire Insurance Company, New York, N.Y	
The Globe  Indemnity  Co.   of Canada.   Montreal.  Que	
Great American Insurance Company, New York, N.Y	
Guardian Assurance Company, Limited, London, England	
F. W. Rounsefell, Vancouver.
J.  E.  Kinsman,  Victoria.
J. J. Banfield, Vancouver.
W. A. Anderson and H. Miskin, Vancou-
J. H. Harrison, Vancouver. [ver.
C. V. Wakely, Vancouver.
D. W.   Campbell,   Victoria.
G. H. L. Hobson, Vancouver.
T. W. B. London, Vancouver.
T.   W.   Greer,   Vancouver.
John S. Gall, Vancouver.
R. Bone, Vancouver.
A. S1. Matthew, Vancouver.
G.   H.   L.   Hobson,   Vancouver.
Waghorn, Gwynn & Co., Ltd., Vancouver.
E. C. Jahour, Vancouver.
F. W. Rounsefell, Vancouver.
Gordon  Gray,  Vancouver.
E. B. McDermid, Vancouver.
A. S. Matthew, Vancouver.
J.   H.   Gillespie,   Victoria.
K. G- McCandless, Vancouver.
H.  A.   Robertson,  Vancouver.
C. R.  Elderton, Vancouver.
Fred  Burgess,  Vancouver.
Fred   Burgess,   Vancouver.
John Anderson,  Vancouver.
John  Anderson,   Vancouver.
Wm. McLeish, Victoria.
J. J. Banfield, Vancouver.
A. McC. Creery, Vancouver.
F. C. Paterson, Victoria.
F.   B.   Lewis,   Vancouver.
J.  H.  Lawson,  Vancouver.
C.   H.   Macaulay,   Vancouver.
Thos. W. Greer, Vancouver.
C.   R.   Elderton,   Vancouver.
Chas.   H.   Macaulay,   Vancouver.
F. W. Rounsefell, Vancouver.
John Anderson, Vancouver.
John Anderson, Vancouver.
Robt. H. Swinerton, Victoria.
W. A. Lawson, Vancouver.
W. B. Blane, Vancouver.
G. W. Brown, Vancouver.
F. Parsons,  Vancouver.
J.   C.   Stuart,   Vancouver.
R. J. Loewen and R. G. Harvey, Vancouver.
Jas. A. Young.
G. W. Brown, Vancouver.
C. V. Wakely, Vancouver.
H. B. Leuty, Vancouver.
Arthur Coles,  Victoria.
Leeming Bros., Ltd., Victoria.
C. D. J. Christie, Vancouver.
E. D. Todd, Victoria.
C. B. Stahlschmidt, Vancouver.
J. P. McLaren, Vancouver.
George Rorie, Vancouver.
Alfred W.  McLeod,  Vancouver.
Robert Cram, Vancouver.
W. E. Martin, Vancouver.
A. S. Matthew, Vancouver.
A. McC. Creery,  Vancouver.
F. W. Rounsefell, Vancouver.
S.   Burke,   Vancouver.
W.   S.  Day,   Victoria. 14 Geo. 5
Report of the Superintendent of Insurance.
K 15
COMPANIES LICENSED UNDER "B.C. FIRE INSURANCE ACT."—Continued.
Name of Company and Head Office.
Attorney to receive Process in British
Columbia.
(Corrected to August 1st, 1924.)
The Guardian Insurance Company of Canada, Montreal, Que	
Hartford Fire Insurance Company, Hartford, Conn	
Home Insurance  Company, New York,  N.Y	
Hudson Bay Insurance Company, Montreal,  Que	
Imperial Assurance Company,  New York,  N.Y	
fThe Imperial Guarantee & Accident Insurance Company of Canada,
Toronto, Ont.
The Imperial Underwriters Corporation of Canada, Toronto, Ont...
Insurance Company of North America, Philadelphia, Pa....	
The Insurance Company of the State of Pennsylvania, Philadelphia, Pa.
Law, Union & Rock Insurance Company, Limited, London, England
Liverpool & London & Globe Insurance Company, Limited, Liverpool,   England
The Liverpool-Manitoba Assurance Company, Montreal, Que	
fThe London & Lancashire Guarantee & Accident Company of
Canada,  Toronto, Ont.
The London & Lancashire Insurance Company, Ltd., Liverpool, Eng.
London Assurance Corporation, London England	
London Guarantee & Accident Co., Ltd., London, England	
London Mutual Fire Insurance Company of Canada, Toronto, Ont.
Lumbermen's   Indemnity   Exchange,   Seattle,   Washington	
The Marine Insurance Company, Limited, London, England	
Mechanics & Traders Insurance Company, New Orleans, La	
Mercantile Fire Insurance Company, Waterloo, Ont	
*Merchants  Casualty  Company,  Winnipeg,  Man 1 —
Merchants Fire Assurance Corporation of New York, N.Y	
The Merchants Marine Insurance Company, Limited, London,
England
Millers   National   Insurance   Company,   Chicago,   111	
The Motor Union Insurance Co., Ltd.,  London  England	
The Mount Royal Assurance Company,  Montreal,   Que	
National Ben  Franklin   Fire  Insurance  Company,  Pittsburgh,   Pa.
National Fire Insurance Company of Hartford,  Hartford, Conn	
The Nationale Fire Insurance Company, Paris, France	
National Provincial Insurance Company, Limited, London, England
National Union Fire Insurance Company, Pittsburgh,  Pa	
The  Newark  Fire  Insurance  Company,   Newark,   N..T	
New Hampshire Fire Insurance Co., Manchester, N.H	
New Jersey Insurance  Company,  Newark,  N.J ....
Niagara B7ire Insurance Company, New York, N.Y	
§The North American Accident Insurance Co., Montreal, Que	
North British & Mercantile Insurance Company, Limited, London,
England
North Empire Fire Insurance Company, Toronto,  Ont	
Northern Assurance Company, Limited, London,  England	
North West Fire Insurance Company, Winnipeg, Man	
Northwestern Mutual Fire Association,  Seattle, Wash	
Northwestern National Insurance Company, Milwaukee, Wis	
Norwich Union Fire Insurance  Society,  Limited, Norwich,  Eng	
Occidental  Fire  Insurance  Company,   Winnipeg,   Man...	
The   Ocean Accident & Guarantee Corporation, Limited. London, Eng.
Pacific Coast Fire Insurance Company,  Vancouver,  B.C	
Palatine Insurance Company, Limited, London, England	
The Patriotic Assurance  Company,   Limited,  Dublin,   Ireland	
The Phenix Fire Insurance Company of Paris, France	
Phoenix  Assurance  Company,   Limited,   London,   England :.	
The Phoenix Insurance Company, Hartford,  Conn	
Providence   Washington   Insurance   Company,   Providence,   R.I	
Provincial   Insurance   Co.,   Ltd.,   Bolton,   England	
The   Prudential   Assurance   Company,   Limited,   London,   England
Quebec Fire Assurance Company,  Quebec,  Que	
Queen  Insurance Company of America, New York	
Queensland Insurance Company, Limited, Sydney, Australia	
Railway Passengers Assurance Co., London, England..	
Reliance Insurance Company of Canada,  Montreal,  Quebec	
Royal  Exchange Assurance,  London,  England	
Royal Insurance Company,  Limited Liverpool, England	
The Royal Scottish Insurance Co., Ltd., Glasgow, Scotland	
St. Paul Fire & Marine Insurance Company, St. Paul, Minn	
Scottish  Canadian Assurance  Corporation,  Toronto,  Ont	
Scottish Metropolitan Assurance Co., Ltd., Edinburgh, Scotland	
Scottish Union & National Insurance Company, Edinburgh, Scotland
Security Insurance Company of New Haven, Conn	
Springfield Fire & Marine Insurance Company, Springfield, Mass	
R.  G.  Heddle, Vancouver.
George Allan Kirk, Victoria.
H. W. Dyson, Vancouver.
F. W. Walker, Vancouver.
F. W. Rounsefell,  Vancouver.
Donald Cramer, Vancouver.
A. Waring Giles, Vernon.
J. H. Harrison, Vancouver.
II. A. Robertson, Vancouver.
A. W. Blake, Vancouver.
R. C. Hall, Victoria.
L. U. Conyers, Victoria.
A. W. Blake, Vancouver.
A. W. Blake, Vancouver.
Harold B.  Girdwood, Victoria.
R. C. Janion, Vancouver.
Christopher G. Hobson, Vancouver.
J.   A.   Hendry,  Vancouver.
A. A. Meharey, Victoria. ,
W. J.  Mills, Vancouver.
A. W. Blake, Vancouver.
J.  B.  Love,  Vancouver.
G. H.  L.  Hobson, Vancouver.
J. A. Young, Vancouver.
Charles  D.  J.  Christie,  Vancouver.
W.   W.  Johnston,   Vancouver.
Fred A.  Burgess,  Vancouver.
J. H. Johnston, Victoria.
H.   T.   Barnes,   Victoria.
G. H.  L.  Hobson,  Vancouver.
A. M.  English,  Vancouver.
E. E. Rand, Vancouver.
F. W.  Walker, Vancouver.
Donald  Cramer,  Vancouver.
II.  A.  Robertson,   Vancouver.
D. Leeming, Victoria.
J.  Edward  Sears, Vancouver.
H. R. Budd, Vancouver.
John   W.   Wilson,   Vancouver.
Bernard C. Mess, Victoria.
W.  W.  Johnston,  Vancouver.
J. II. Constantine, Vancouver.
W. B. Blane, Vancouver.
B. S. Heisterman, Victoria.
B.   C.  Mess,   Victoria.
John R. Hannah, Vancouver.
Thos. W. Greer, Vancouver.
John   Anderson,   Vancouver.
E. V. K. Rankin, Vancouver.
J. A. Griffith, Victoria.
F. W. Rounsefell, Vancouver.
Arthur  E.   Haynes,  Victoria.
H. T.  Devine,  Vancouver.
W.   B.   Blane,   Vancouver.
W.  S.  Day,  Vancouver.
A. W. Blake, Vancouver.
Rithet Consolidated, Limited, Victoria.
Robert  Bone,   Vancouver.
P. H. Grant, Vancouver.
Chas. V. Wakely,  Vancouver.
James H. Lawson, Vancouver.
F. W. Walker, Vancouver.
J. H. Watson, Vancouver.
B. S. Heisterman, Victoria.
A. W. McLeod, Vancouver.
Lawrence W. Peel, Vancouver.
Pemberton & Son, Victoria.
T.  W.  Greer,  Vancouver.
Chas. H. Macaulay, Vancouver. K 16
British Columbia.
1924
COMPANIES LICENSED UNDER "B.C. FIRE INSURANCE ACT."—Continued.
Name of Company and Head Office.
Attorney to receive Process in British
Columbia.
('Corrected to August 1st, 1924.)
The Sterling Fire Insurance Company of Indiana, U.S.A	
Stuyvesant Insurance Company, New York, N.Y	
Sun    Insurance    Office,    London,    England	
Union Assurance  Society,  Limited,  London,   England	
The Union Fire Insurance Company, Paris, France	
Union  Insurance Society of Canton, Ltd., Victoria, Hong Kong	
The Union Marine Insurance Company, Limited, Liverpool, England
United British  Insurance Company,   Limited,  London,  England	
United iStates Fire Insurance Company, New York, N.Y	
TThe  Wawanesa Mutual  Insurance  Co.,  Wawanesa,  Man	
Western    Assurance   Company,    Toronto,    Ont	
Westchester Fire Insurance Company, New York, N.Y	
The Yang-tsze Insurance Association, Limited, Shanghai, China	
The Yorkshire Insurance Company, Limited, York, England 	
II. R. Budd, Vancouver.
II. A. Robertson, Vancouver.
F.  B.  Pemberton,  Victoria.
D. C. McGregor, Vancouver.
Franco-Canadian    Company,    Limited,
Vancouver.
C.  R.  Elderton,  Vancouver.
C. H. Macaulay, Vancouver.
B. S. Brown, Vancouver.
II. A. Robertson, Vancouver.
W.   W.  Kempton,   Lumby.
K. G. MoCandless, Vancouver,
Alfred W. McLeod New Westminster.
B. G. D. Phillips, Vancouver.
H.  W.  Dyson,  Vancouver.
t Licence  under  " B.C.   Fire  Insurance  Act"   limited   to   insurance   of   automobiles   against   Are ;    also
licensed under the " Insurance Act " to transact guarantee, burglary, plate glass, and automobile insurance,
t Licence under " B.C.  Fire Insurance Act"  limited   to   insurance  of  automobiles   against  Are;   also
licensed  under  the  " Insurance  Act "  to transact guarantee,   accident,  sickness,  automobile,  and  plate-glass
insurance.
* Licence under " British Columbia Fire Insurance Act" limited to insurance of automobiles against
fire. Also licensed under "Insurance Act" to transact accident (excluding employer's liability), sickness, and
automobile insurance.
§ Licence under "B.C. Fire Insurance Act" limited to insuring automobiles against loss or damage by
fire; also licensed under the " Insurance Act" to transact automobile, burglary, accident, sickness, and
plate-glass insurance.
K Deposit:    Dominion War Loan bonds, $25,000.
■    NOTE :—Licensed   since  December   31st,   1923 :—
Grain Dealers' National Mutual Fire Insurance Company, Indianapolis, Indiana ;   J. H. Constantine,
Vancouver.
London & Provincial Marine & General Insurance Company, Limited, London, England ;  J. H. Watson, Vancouver.
Mill Owners Mutual Fire Insurance Company of Des Moines, Iowa ;   J. H. Constantine, Vancouver.
Toronto   Casualty   Fire   &   Marine   Insurance Company,  Toronto,  Ontario;   Douglas Armour,   Vancouver.    (Deposit:   Government   bonds, $25,000.00).
LIST OF UNDERWRITERS' AGENCIES LICENSED UNDER THE "BRITISH COLUMBIA
FIRE INSURANCE ACT."
Britannic Underwriters, representing Employers Liability Assurance Corporation, Limited.
British & Canadian Underwriters, representing Norwich Union Fire Insurance Society, Limited.
British Empire Underwriters Agency, representing British America Assurance Company.
Canadian Pacific Underwriters Agency, representing Merchants Fire Assurance Corporation of
New York.
Canadian Underwriters Agency, representing Baloise Fire Insurance Company.
Colonial Fire Underwriters Agency, representing National Fire Insurance Company of Hartford.
Delaware Underwriters, representing Westchester Fire Insurance Company.
Edinburgh Underwriters Agency, representing Scottish Union & National Insurance Company.
Federal Underwriters, Limited, representing Canada National Fire Insurance Company.
Fidelity Fire Underwriters  of New York,  representing Continental  Insurance  Company,  and
Fidelity Phenix Fire Insurance Company.
Firemen's Underwriters, representing Firemen's Insurance Company of Newark.
Globe Underwriters Agency, representing Globe & Rutgers Fire Insurance Company.
London Underwriters Agency, representing London Assurance Corporation.
Minnesota Underwriters Agency, representing St. Paul Fire & Marine Insurance Company.
New York Underwriters Agency, representing Hartford Fire Insurance Company.
Nova Scotia Fire Underwriters Agency, representing Home Insurance Company.
Retail Merchants Underwriters Agency, representing Northwestern Mutual Fire Association.
Rochester Underwriters Agency, representing Great American Insurance Company.
St. Lawrence Underwriters Agency, representing Western Assurance Company.
Winnipeg Fire Underwriters Agency, representing Home Insurance Company. LIST OF COMPANIES LICENSED UNDER THE " INSURANCE ACT.'
K  17
Name of Company and Head Office.
Attorney  to  receive  Process  in  British
Columbia.
(Corrected  to August  1st,  1924.)
Description of Insurance Business for which Licensed
(Corrected to August 1st,  1924.)
iEtna Insurance Co.,  Hartford, Conn	
^Etna Life Insurance Co., Hartford, Conn....
Alliance Assurance Co., Ltd., London, Eng..
Alliance  Insurance  Co.  of Philadelphia,  Pa	
American Alliance Insurance Co., New York, N.Y..
American Central Insurance Company, St. Louis, Mo	
American Credit Indemnity Company of New York-^St. Louis, Mo	
Atlas Assurance Company, Limited, London, England	
Autocar Fire & Accident Insurance Company, Limited, London, England..
The Boiler Inspection & Insurance Co. of Canada, Toronto, Ont	
Boston  Insurance  Co.,  Boston,   Mass	
British America Assurance Co.,  Toronto,  Ont '.	
The British and Foreign Marine Insurance Co., Ltd., Liverpool, Eng	
(1.)  The British Columbia Plate Glass Insurance Co., Vancouver, B.C..
The British Crown Assurance  Corporation, Ltd., Glasgow, Scotland	
British Traders Insurance Co., Ltd.,  Victoria, Hong Kong	
The Canada Accident and Fire Assurance Co., Montreal, Que..
Canada Life Assurance Co., Toronto, Ont	
Canada Security Assurance Company,  Toronto, Ont	
Canadian Fire Insurance Company, Winnipeg, Man	
The  Canadian Surety Co., Toronto,  Ont	
The Canton Insurance Office, Limited, Victoria,  Hong Kong..
The Capital Life Assurance Co. of Canada, Ottawa, Ont	
Car and General Insurance Corporation, Ltd., London, Eng	
The Casualty Company of Canada, Toronto, Ontario	
The Central Insurance Company, Limited, London, England-
Columbia Insurance Company,  Jersey  City,  N.J	
Commercial Union Assurance Company, Limited, London, Eng..
Confederation Life Association, Toronto, Ont	
Continental Casualty Co., Hammond,  Ind	
Continental Insurance Company, New York, N.Y..
The Continental Life Insurance Co., Toronto,  Ont	
The Cornhill Insurance Company, Limited, London, England..
The   Crown   Life   Insurance   Co.,  Toronto,   Ont	
Dominion Gresham Guarantee & Casualty Co., Montreal, Que	
The Dominion Life Assurance Co., Waterloo,  Ont	
The Dominion of Canada Guarantee & Accident Ins. Co., Toronto, Ont..
The Eagle Star & British Dominions Insurance Co., Ltd., London, Eng..
Employers Liability Assurance Corporation, Ltd., London, Eng..
Equitable Fire & Marine Insurance Co., Providence, R.I..	
The Excelsior Life Insurance Co., Toronto, Ont	
The  Fidelity &  Casualty  Co.,  New  York,  N.Y	
Fidelity Insurance Company of Canada, Toronto,  Ont..
Fidelity Phenix Fire Insurance Co., New York, N.Y	
Fireman's Fund Insurance Co., San ITrancisco, Cal..
Firemen's Insurance  Co.  of Newark,  N.J..
J.   E.  Kinsman,  Victoria	
John   F.   Brandt,   Vancouver	
W. Anderson and H. Miskin, Vancouver..
J.  H.  Harrison,  Vancouver..
C. V. Wakely, Vancouver	
D. W. Campbell, Victoria	
B. R. Colkett, Vancouver	
F.   B.   Lewis,   Vancouver	
Robert   Bone,   Vancouver	
R. V. Winch & Co., Ltd., Vancouver..
E. C.   Jahour,   Vancouver	
F. W.   Rounsefell,  Vancouver	
B. C. Mess, Victoria	
Head   Office,   Vancouver	
A. S. Matthew, Vancouver..
C. R. Elderton, Vancouver....
John Anderson, Vancouver-
It. G. McCuish, Vancouver..
J.   J.   Banfield,   Vancouver....
F.   C.  Paterson,   Victoria	
F.   B.   Lewis,   Vancouver	
Wise  &  Co.,  Ltd.,  Victoria....
W. D. Kennedy,  Vancouver....
J.  H.  Lawson,  Vancouver	
Gordon  Bell,  Vancouver	
C.   H.   Macaulay,   Vancouver..
F.  W.  Rounsefell,  Vancouver..
John   Anderson,   Vancouver	
H.  R.  Glass, Vancouver	
A. S. Matthew, Vancouver...
W. A. Lawson, Vancouver..
James  Moss,  Victoria	
W. B. Blane, Vancouver..
F.  R.  McD.  Russell,  Vancouver..
Frank Parsons, Vancouver	
John T.  McCoy, Vancouver	
J. C. Stuart, Vancouver	
R. J. Loewen and R. G. Harvey, Vancouver
Jas.  A. Young, Vancouver	
C. V. Wakely, Vancouver	
F.  J. Gillespie, Vancouver	
Seeley  &  Co.,   Vancouver	
Leslie H. Wright, Vancouver..
Arthur   Coles,  Victoria	
E. D. Todd, Victoria-
General Accident Assurance Co. of Canada, Toronto, Ont    W.  F. Sangster,  Vancouver
The General Animals Insurance Co. of Canada, Toronto, Ont..
Glens Falls Insurance Co., Glens Falls, N.Y	
Globe & Rutgers Insurance Co., New York, N.Y..
The Globe Indemnity Co. of Canada, Montreal, Que..
Great American Insurance Co., New York, N.Y ......
The Great West Life Assurance Co., Winnipeg, Man	
The Guarantee Company of North America, Montreal, Que..
The Guardian Insurance Co. of Canada, Montreal,  Que	
Hartford Accident and Indemnity Company, Hartford, Conn..
Hartford Fire Insurance Co., Hartford, Conn	
Home Insurance Co., New York, N.Y..
Hudson Bay Insurance Company, Montreal, Quebec	
The Imperial Guarantee & Accident Insurance Co. of Canada, Toronto, Ont..
The Imperial Life Assurance Co. of Canada, Toronto, Ont	
Imperial Underwriters Corporation of Canada, Toronto, Ont..
Insurance Company of North America, Philadelphia, Pa	
Insurance Company of the State of Pennsylvania, Philadelphia, Pa	
Law, Union & Rock Insurance Co., Ltd., London,  Eng	
The Liverpool-Manitoba Assurance  Company,  Montreal,  Que	
The London & Lancashire Guarantee & Accident Co. of Canada, Toronto, Ont..
The London & Lancashire Insurance Co., Ltd., Liverpool, England	
London & Provincial Marine & General Insurance Co., Ltd., London, Eng..
The London & Scottish Assurance Corporation, Limited, London, Eng..
London Assurance Corporation, London, Eng	
London  Guarantee  & Accident Co.,  Ltd.,  London,  Eng	
London Mutual Fire Insurance Company of Canada, Toronto, Ont	
The London Life Insurance Co., London, Ont -
Loyal Protective Insurance Co.,  Boston,  Mass	
Lumbermen's Mutual Casualty Company,  Chicago,  111	
The Manufacturers Life Insurance Co., Toronto, Ont	
The Marine Insurance Co., Ltd., London, Eng	
Maritime  Insurance  Co.,  Ltd.,   London,   Eng	
Maryland Casualty  Co., Baltimore, Maryland-
Merchants Casualty Co., Winnipeg, Man	
The Merchants Marine Insurance Co., Ltd., London, England-
Metropolitan Life Insurance Co., New York, N.Y	
The Monarch Life Assurance Co., Winnipeg, Man	
The Motor Union Insurance Company, Limited, London, Eng..
Mount Royal Assurance Company, Montreal, Quebec	
Mutual Life Assurance Co. of Canada, Waterloo,  Ont	
The Mutual Life Insurance Co. of New York, N.Y	
National Fire Insurance Co. of Hartford, Hartford, Conn	
National life Assurance Co. of Canada, Toronto, Ont....
National  Provincial  Insurance  Co., Ltd.,  London,  Eng..
National  Surety Co., New York, N.Y	
The Newark Fire Insurance Co., Newark, N.J	
New Hampshire Fire Insurance Company, Manchester, N.H..
New Jersey Insurance Company, Newark, N.J	
New York Life Insurance  Co.,  New York,  N.Y	
The New York Plate Glass Insurance Co., New York, N.Y..
Niagara Fire Insurance Co., New York, N.Y -
The North American  Accident Insurance  Co.,  Montreal,  Que	
North American Life Assurance Co., Toronto, Ont	
North British & Mercantile Insurance Company,  Limited,  London,  England-
Northern Assurance Company, Ltd., London, Eng	
The Northern Life Assurance Co. of Canada. London, Ont	
Northwestern  Mutual  Fire   Association,   Seattle,   Wash	
Northwestern National Insurance  Co.,  Milwaukee,  Wis	
Norwich Union Fire Insurance Society, Ltd., Norwich, Eng..
Norwich Union Life Insurance Society, Norwich, Eng	
Occidental   Fire   Insurance  Company.   Winnipeg,   Man	
The Ocean  Accident & Guarantee Corporation,  Ltd.,  London, Eng..
Ocean Marine Insurance Company, Limited, London, Eng	
The Palatine Insurance Company, Limited.,  London,  Eng	
Phoenix Assurance Co., Ltd., London, Eng	
The Phoenix Insurance Co., Hartford, Conn	
The Preferred Accident Insurance  Company  of New York, N.Y	
The Protective  Association  of Canada,  Granby,  Que	
The Prudential Insurance Co. of America, Newark, N.J	
Queen Insurance Co. of America, New York, N.Y....	
Queensland Insurance Co., Ltd., Sydney, Australia	
Railway  Passengers  Assurance  Co.,  London,  Eng	
Reliance Marine Insurance Co., Limited, Liverpool, Eng	
Royal Exchange Assurance, London, Eng	
Roval Insurance Co., Ltd.,  Liverpool," Eng	
(2.) 'Roval Plate Glass Insurance Company of Canada, Vancouver, B.C	
St. Paul Fire & Marine Insurance Co., St. Paul, Minn	
Scottish Metropolitan Assurance  Corporation, Limited,  Edinburgh,  Scotland-
Scottish Union & National Insurance Co., Edinburgh, Scotland	
The Security Life Insurance Companv of Canada, Toronto, Ont	
The Sovereign Life Assurance Co., Winnipeg,  Man ....
The  Standard Life Assurance Co., Edinburgh,  Scotland	
Standard Marine Insurance Co., Ltd., Liverpool, Eng	
The Sterling Fire Insurance Company of Indiana, Indianapolis, Ind	
Sun Insurance Office, London, England	
Sun Life x\ssurance Co. of Canada, Montreal, Que	
The Travelers Indemnity Company, Hartford, Conn	
The  Travelers   Insurance   Co.,   Hartford,   Conn	
Travellers life Insurance Co. of Canada, Montreal, Que..
Union  Assurance   Society,  Limited,   London,  England	
Union Insurance Society of Canton, Ltd., Victoria, Hong Kong..
The Union Marine Insurance Company, Ltd., Liverpool, Eng..
Union Mutual Life Insurance Co., Portland, Maine 	
United States Fidelitv & Guaranty Co.,  Baltimore, Md..
United States Fire Insurance Co., New York, N.Y	
United States Lloyds, Inc., New York, N.Y..
Western Assurance Company, Toronto, Ont..
The Western Casualty Company,  Denver,  Col	
(3.)  The Western Empire Life Assurance Co., Winnipeg, Man..
The Western Life Assurance Co., Winnipeg, Man ,.
Westchester Fire Insurance Company, New York, N.Y	
The World Marine & General Insurance Co., Ltd., London, Eng..
The Yang-tsze Insurance Association, Ltd., Shanghai, China	
The Yorkshire Insurance Co., Ltd., York, Eng	
C. B. Stahlschmidt, Vancouver-
Douglas  Armour,  Vancouver..
A.   S.   Matthew,  Vancouver....
A.   McC.  Creery,   Vancouver..
F.  W.   Rounsefell,  Vancouver..
S.  Burke, Vancouver	
J. A.  Johnson,  Vancouver.—
C.  A.  Holland,  Victoria	
W. E. Graveley, Vancouver..
H.  R.  Budd,  Vancouver..
G.  A.  Kirk, Victoria	
IL W. Dyson, Vancouver-
Frederick W.  Walker, Vancouver..
D    Cramer,   Vancouver.	
Stanley  Henderson,  Vancouver..
A.  Waring Giles,  Vernon	
J. H. Harrison, Vancouver	
H.  A.  Robertson,  Vancouver..
A. W. Blake, Vancouver	
L. U. Conyers, Victoria 	
A.  W.   Blake,  Vancouver	
A.   W.   Blake,  Vancouver	
R. V. Winch & Co., Ltd., Victoria-
Lawrence W. Peel, Vancouver	
R. V. Winch & Co., Ltd., Victoria	
R.   C.  Janion,  Vancouver	
C. G. Hobson, Vancouver	
William  B.   Ryan,  Victoria	
G. H. Grant, Vancouver	
J. H. Constantine, Vancouver.	
B. A. Twiss, Vancouver ,	
A. A. Meharey, Victoria	
Vancouver Insurance, Vessel Agency, Ltd.
Vancouver   	
H. T. Barnes, Victoria	
J.  B.  Love,  Vancouver	
James A. Young, Vancouver..
P.   Winterborne,  Victoria	
R.  W. Harris, Vancouver	
W.  W.  Johnston,  Vancouver-
Fred A. Burgess,  Vancouver..
W.   J.   Twiss,   Vancouver	
W.  E.  Burns,  Vancouver	
H.   T.   Barnes,   Victoria	
Lindley   Crease,   Victoria	
F.  W.  Rounsefell,  Vancouver
M. L.  Brown,  Vancouver	
F. W. Walker, Vancouver	
Donald  Cramer,  Vancouver..
H.  A. Robertson,  Vancouver..
R. A. Durham, Vancouver....
A. S. Matthew, Vancouver..
D.   Leeming,   Victoria	
J.   E.   Sears,   Vancouver	
Ellis  W.  Keenleyside,  Vancouver	
H.  R. Budd,  Vancouver	
R. V. Winch & Co., Ltd., Vancouver..
W. H. Clarke, Vancouver	
J. H. Constantine, Vancouver	
W. B. Blane, Vancouver	
B.   S.   Heisterman, Victoria..
B.   S.  Heisterman, Victoria	
B.  C. Mess, Victoria	
J. <R. Hannah, Vancouver	
R. V. Winch & Co., Ltd., Victoria-
John   Anderson,   Vancouver	
F.   W.   Rounsefell,   Vancouver	
A. E. Haynes, Victoria	
II.  A.  Robertson,  Vancouver	
F. G. Bell, Vancouver	
W.  C. Bowden, Vancouver	
Rithet Consolidated,  Limited,  Vietoria..
C. Gardiner  Johnson,  Vancouver	
P. H. Grant, Vancouver	
Rithet Consolidated, Limited, Victoria—
J. H. Lawson, Vancouver	
F.  W.   Walker,  Vancouver	
Head   Office,   Vancouver	
B. S.   Heisterman, Victoria	
Lawrence  W.   Peel,  Vancouver	
F. B. Pemberton, Victoria	
Hector   Read,   Vancouver	
M.  D. McPherson,  Vancouver	
J. W. Kerr, Vancouver... :	
C. Gardiner  Johnson,  Vancouver	
H. R.  Budd,  Vancouver	
F. B. Pemberton, Victoria	
H. O. Leach, Vancouver	
R.  C.  Hall,  Victoria	
R.  C.  Hall,  Victoria	
J. D.  Mather, Vancouver....
Chas.  R.  Bishop,  Victoria..
C. R. Elderton, Vancouver..
C. H. Macaulay, Vancouver..
Viggo F. L&ursen, Vancouver-
Leslie H. Wright, Vancouver..
H   A.  Robertson, Vancouver....
B.  G. D.  Phillips,  Vancouver..
K.  S. McCandless, Vancouver..
W.  H. Biegel, Vancouver	
C. Wilson, Vancouver	
C.  E.  Mahon,  Vancouver	
Alfred W. McLeod, New Westminster..
B.  C.  Mess. Victoria	
B.  G.  D.  Phillips,  Vancouver	
H. W. Dyson,  Vancouver	
♦Automobile,  marine, tornado, and inland transportation.
Life.
♦Marine,   accident,   sickness,   guarantee,   automobile,   burglary,   plate   glass.
Insurance against damage to property of any kind caused by the explosion of natural gas or other gas, and insurance against loss or damage
by robbery.
♦Marine, automobile (excluding insurance against loss by reason of injury to
the person), and inland transportation.
♦Automobile   (excluding  insurance  against  loss  by reason  of  injury  to  the
person).
♦Automobile, explosion   (including riot and civil commotion)  and tornado.
Credit.
♦Marine.
Accident, sickness, automobile, and plate glass.
Steam-boiler.
♦Marine.
♦Hail,    ocean,    marine,   inland   marine,   inland   transportation,    automobile,
explosion, and tornado.
Marine, inland transportation, and sprinkler leakage.
Plate glass.
Automobile  (excluding insurance against loss by reason of bodily injury to
the person).
♦Automobile and marine.
♦Accident, sickness, plate glass, guarantee, burglary, and automobile.
Life.
♦Automobile.
♦Automobile.
Guarantee,   burglary,   plate   glass,   and   automobile.      (Also   licensed   under
" B.C. Fire Insurance Act " to insure automobiles against loss or damage
by fire.)
Marine.
Life.
♦Accident, hail, tornado,  and sickness.
Automobile, burglary, and plate glass.
Insurance against damage to property of any kind caused by the explosion
of natural or other gas.
♦Automobile   (excluding insurance against loss by reason of bodily injury to
the person, and inland transportation.
Life,   accident,   automobile,   burglary,   inland   transportation,   plate   glass,
sprinkler leakage, sickness, tornado, and limited explosion.
Life.
Accident, sickness, automobile, plate glass.
♦Tornado,  explosion   (including  riot   and  civil   commotion),   and   automobile
(excluding  insurance  against  loss   by  reason  of  bodily  injury   to   the
person), marine.
Life.
♦Insurance  against loss or  damage to  property of any kind  caused  by the
explosion of natural or other gas.
Life.
Accident, sickness, guarantee, burglary, and automobile.
Life.
♦Accident,   guarantee,   sickness,    burglary,   plate   glass,    automobile,    steam
boiler, inland transportation and life.
♦Marine and automobile  (limited to insurance against loss 6r damage from
accident or injury suffered by an employee or other person caused by
an automobile for which the owner is liable).
♦Accident,   sickness,   guarantee,   automobile,   burglary,   steam-boiler,   robbery,
and plate glass.
Automobile  (excluding insurance against loss by reason of bodily injury to
the person).
Life.
Accident, sickness, burglary, steam-boiler, and plate-glass.
Guarantee.
♦Tornado,   explosion   (including  riot  and  civil  commotion),  and  automobile
(excluding  insurance  against  loss  by   reason   of  bodily  injury  to  the
person).
♦Marine, inland transportation, and automobile  (excluding insurance against
loss by reason of bodily injury to the person).
♦Marine.
♦Accident, sickness, steam-boiler, guarantee, burglary, and insurance against
loss or damage by  robbery,  automobile,  plate glass,  sprinkler  leakage,
electrical machinery and limited explosion.
Live stock, plate glass, and automobile.
♦Hail,  tornado,  automobile,  explosion   (including riot  and  civil  commotion)
and inland transportation.
♦Inland   transportation.     Automobile   (excluding   insurance   against   loss   by
reason of bodily injury to the person), explosion   (except upon  steam-
boilers,  pipes,  fly-wheels,   engines,  and  machinery   connected  therewith
or operated thereby), and marine.
♦Accident, sickness, burglary, automobile, guarantee, and forgery.
♦Hail,   tornado,   sprinkler   leakage,   marine,   automobile   (excluding  insurance
against loss by reason of bodily injury), explosion   (including riot and
civil commotion), and inland transportation.
Life.
Guarantee.
♦Accident,   sickness,   guarantee,   plate   glass,    burglary,   automobile,   inland
transportation,  steam-boiler,   sprinkler  leakage,  tornado and explosion.
Accident, automobile, burglary, guarantee, live stock, plate-glass, and sickness.
♦Hail, explosion  (including riot and civil commotion), inland transportation,
cyclone or tornado, sprinkler-leakage, and insurance against loss caused
by rain, tempest, flood, or other climatic conditions, except  loss of or
damage to property caused by hail, windstorm, cyclone, or tornado.
♦Automobile,  sprinkler leakage,  hail, tornado,  explosion   (including riot and
civil commotion), burglary, property damage, inland transportation, and
insurance against loss or damage by rain or flood.
Insurance against damage to property of any kind caused by the explosion
of natural or other gas.
Guarantee, accident,  sickness,  automobile, and  plate  glass.     (Also  licensed
under " B.C. Fire Insurance Act " to transact the business of insurance
of automobiles against fire.)
Life.
♦Accident, automobile, guarantee, and sickness.
♦Inland transportation, automobile (excluding injury to the person), marine,
and explosion (including riot and civil commotion).
♦Inland marine.
♦Accident, sickness, burglary, plate glass, and automobile.
♦Explosion (including riot and civil commotion)  and automobile.
Accident,  sickness, guarantee,  plate glass,  automobile,  burglary, and insurance against loss or damage occasioned by larceny, theft, or stealing from
the person by violence, threat, hold-up or otherwise.
♦Marine, automobile, and explosion  (including riot and civil commotion).
Marine,   accident,   automobile,   burglary,   guarantee,   plate   glass,   sickness,
sprinkler leakage, and limited explosion.
Life.
♦Marine, automobile, inland marine, and inland transportation.
♦Accident, sickness, guarantee, and burglary.
♦Automobile.
Life.
Accident and sickness amongst members of I.O.O.F.
♦Automobile.
Life.
♦Inland transportation, automobile, marine, and inland marine.
Marine.
Accident,   burglary,   guarantee,   plate   glass,   steam-boiler,   sickness,   forgery,
fly-wheel,  sprinkler leakage,  and insurance against loss or damage by
robbery.
Accident  (excluding employers' liability), sickness, and automobile.
♦Automobile.
Life, accident, and sickness.
Life.
♦Accident, automobile, and marine.
♦Plate glass, and automobile.
Life.
Life.
Tornado, explosion  (including riot and civil commotion), inland transportation, marine, and automobile (excluding insurance against loss by reason
of bodily injury to the person).
Life.
Plate glass.
Guarantee, burglary, forgery, fraud, and credit.
♦Marine, automobile  (excluding insurance against loss by reason of injury to
the person),   and  insurance  against  damage  to  property  of  any   kind
caused by the explosion of natural or other gas.
Inland transportation, and insurance against damage to property of any kind
caused by the explosion of natural or other gas.
♦Automobile   (excluding  insurance against  loss  by  reason  of injury  to   the
person)  and marine. ,^m_-
Life.
Plate glass.
♦Tornado,  automobile   (including damage to  automobiles in transit by rail),
marine, and explosion   (including riot and civil commotion).
♦Accident, sickness, plate glass, automobile, and burglary.
Life.
Marine.
♦Marine, accident, sickness, automobile, guarantee, plate glass, and burglary.
Life.
Automobile  (excluding insurance against loss by reason of bodily injury to
the person).
♦Automobile.
♦Accident,  sickness, plate  glass,  automobile,  burglary,  guarantee,  and insurance  against damage to property of any kind caused by  explosion of
natural or other gas.
Life.
♦Automobile.
♦Accident, sickness, guarantee, plate glass, automobile, and burglary.
Marine.
♦Automobile.
♦Life.
♦Marine and automatic (excluding insurance against loss by reason of injury
to the person).
Accident, sickness, and automobile.
Accident and sickness restricted to members of the Masonic Order.
Life.
♦Automobile, inland transportation, and marine.
Marine.
Accident, sickness, guarantee, plate glass, and automobile.
Marine.
♦Accident, sickness, and automobile.
♦Life, marine, and automobile.
Plate glass.
♦Automobile,  inland transportation, and marine.
♦Accident, sickness, guarantee, automobile, marine, and inland marine.
Tornado, sprinkler leakage, and automobile.
Life.
Life.
Life.
Marine.
♦Tornado and automobile.
♦Automobile, guarantee, sickness, accident, and plate glass.
Life.
Accident, sickness,  steam-boiler, plate glass, burglary, automobile, fly-wheel,
and insurance against damage or loss by robbery and insurance against
damage to property and liability for damage to the property or person
of others caused by the breakdown of any electrical machinery.
Life and accident.
Life.
♦Automobile, inland transportation, accident,  burglary,  plate glass,  sickness,
sprinkler leakage, tornado, and limited explosion.
♦Marine, automobile, accident, sickness, inland transportation, and insurance
against  damage  to  property  of any  kind  caused  by  the  explosion  of
natural or other gas.
Marine,   inland   marine,   inland   transportation,   and   automobile   (excluding
insurance against loss by reason of bodily injury to the person).
Life.
Guarantee, accident, sickness, burglary, plate glass, steam-boiler, and robbery.
♦Automobile   (excluding  insurance  against  loss  by  reason  of  injury  to  the
person and explosion, including riot and civil commotion).
Marine.
♦Marine,  inland  transportation,  explosion   (including riot  and  civil  commotion), tornado, and automobile.
Accident and sickness.
Life.
Life.
♦Explosion  (including riot and civil commotion)  and marine.
Marine.
Marine.
♦Accident,   sickness,   plate   glass,   live   stock,   guarantee,   burglary,   sprinkler
leakage, automobile, and limited explosion. 	
♦ Also licensed under " B.C. Fire Insurance Act" to transact fire insurance.
Securities (par value) deposited under the Act:—
(1.)   War Loan Bonds, $1,000: Municipal Securities. $5,000; B.C. Inscribed Stock, $973.32.
(2.)  Dominion War Loan Bonds, $5,000, and deposit receipt, Canadian Bank of Commerce,   $125.
(3.)   P.G. &E. iStock, £6,800.
Note     Licensed since December 31st   1923.
Agricultural Insurance Company, Watertown, New York; J. J. Banfield, Vancouver; inland transportation, sprinkler leakage, automobile  (excluding insurance against loss by reason of bodily
OntaHoUE^uitable Life and Accident Insurance Company, Waterloo, Ontario ; E. W. Leeson,  Vancouver; life; deposit, bonds, $26,000.
Pacific Coast Fire Insurance Company, Vancouver ; T. W. Greer, Vancouver; automobile, sprinkler leakage, and insurance against damage to property of any kind caused by the explosion of
TorontoUCasualtv ^Marine Insurance Company. Toronto, Ontario; Douglas  Armour,  Vancouver; accident, automobile, sickness, inland marine, ocean marine, inland transportation, guarantee,
theft, burglary or roibberv,  plate glass,  and insurance against loss or  damage  or liability or loss or damage to persons or property arising from any accidental cause; deposit, Provincial
Zuricn°^eneraf Accident and Liability Insurance Company, Limited, Zurich,  Switzerland ; A. K. Henderson, Vancouver; accident, automobile,' burglary, plate glass, steam-boiler. 14 Geo. 5
Report of the Superintendent of Insurance.
K 19
TABLE I.—NET FIRE INSURANCE  PREMIUMS  AND  NET  LOSSES,  1923.
Name of Company.
Acadia Fire Insurance Co	
Aetna Fire Insurance Co	
Agricultural Insurance Co    	
Alliance Assurance Co., Ltd	
Alliance Insurance Co. of Philadelphia	
American Alliance Insurance Co	
American Central Insurance Co	
American Equitable Assurance Co. of N. Y	
American Insurance Co    	
Anglo Scottish General Commercial Insurance Co., Ltd	
Atlas Assurance Co., Ltd	
Autocar Fire & Accident Insurance Co., Ltd....   	
Baloise Fire Insurance Co	
Bankers & Traders' Insurance Co., Ltd	
Beaver Fire Insurance Co	
Boston Insurance Co	
British America Assurance Co.	
British & European Insurance Co., Ltd	
British Colonial Fire Insurance Co	
British Crown Assurance Corporation, Ltd	
British General Insurance Co., Ltd   	
British North Western Fire Insurance Co	
British Oak Insurance Co., Ltd	
British Traders' Insurance Co., Ltd	
Caledonian American Insurance Co	
Caledonian Insurance Oo	
California Insurance Co    ,	
Canada Accident & Fire Assurance Co	
Canada National I7ire Insurance Co.	
Canada Security Assurance Co	
Canadian Indemnity Co	
Canadian Fire Insurance Co	
Canadian Surety Co	
Car & Genera] Insurance Corporation, Ltd	
Central Insurance Co., Ltd	
Century Insurance Co 	
China Fire Insurance Co., Ltd	
Citizens Insurance Co. of Missouri	
Columbia Insurance Co   	
Commercial Union Assurance Co., Ltd	
Commercial Union Fire Insurance Co	
Connecticut Fire Insurance Co	
Continental Insurance Co	
Cornhill Insurance Co., Ltd	
Dominion Fire Insurance Co	
Dominion Gresham Guarantee & Casualty Co	
Dominion of Canada Guarantee & Accident Insurance Co..
Eagle Star & British Dominions Insurance Co., Ltd	
Employers Liability Assurance Corporation, Ltd	
Ensign Insurance Co   	
Equitable Fire & Marine Insurance Co	
Essex & Suffolk Equitable Insurance Society, Ltd	
Fidelity Phenix F'ire Insurance Co	
Fire Association of Philadelphia	
Fire Insurance Co. of Canada	
Fireman's F7und Insurance Co	
Firemen's Insurance Co. of Newark	
Franklin Fire Insurance Co. of Philadelphia	
General Accident Assurance Co. of Canada	
General Accident Fire & Life Assurance Corporation, Ltd...
General F7ire Assurance Co. of Paris, FYance	
Girard Fire & .Marine Insurance Co	
Glens F7alls Insurance Co ,	
Globe & Rutgers Fire Insurance Co	
Globe Indemnity Co. of Canada	
Great American Insurance Co	
Guardian Assurance Co., Ltd	
Guardian Insurance Co. of Canada	
Hartford I,7ire Insurance Co	
Home Insurance Co. of New York	
Hudson Bay Insurance Co	
Imperial Assurance Co.	
Imperial Guarantee & Accident Insurance Co. of Canada....
Imperial Underwriters Corporation of Canada	
Insurance Co. of North America	
Insurance Co. of the State of Pennsylvania	
Law, Union & Rock Insurance Co., Ltd 	
Liverpool & London & Globe Insurance Co., Ltd	
Liverpool-Manitoba Assurance Co	
London & Lancashire Guarantee & Accident Co. of Canada.,
London & Lancashire Insurance Co., Ltd	
London Assurance Corporation	
London Guarantee & Accident Co., Ltd	
London Mutual Fire Insurance Co of Canada	
Net Premiums.
Carned forward.
t 28,866 99
61,029 07
11,154 86
30,142 80
18,362 91
6,347 11
36,064 89
15,600 16
12,667 83
5,431 56
56,937 26
11,481 74
16.008 95
Nil.
6,647 23
45,576 52
40,837 17
1,995 81
12,119 73
59,265 79
13,533 07
14.066 59
32,732 72
36,736 35
15,544 86
51,983 70
41,251 49
27,416 67
42,893 64
6,257 58
9,743 91
36,383 72
1,547 36
15,585 24
2,619 18
32,511 89
31,663 46
18,438 27
81,941 32
5,862 44
30,021 37
38,157 96
10,642 67
17,240 15
8,245 44
8,024 65
36,587 81
46,308 37
2,342 00
6,641 44
8,597 36
67,922 66
28,255 60
37.009 17
30,179 66
4,814 11
9,392 01
11,373 90
18,694 12
10,696 93
1,826 76
15.067 40
47,297 27
43,636 26
46,426 10
123,410 35
14,398 89
149,653 18
121,608 24
89,608 06
8,113 12
2,689 57
39,632 86
120,097 52
10,917 04
32,352 41
149,422 29
42,023 52
5,127 04
122,569 45
76,867 02
25,171 13
7,295 71
Net Amount of
Losses incurred.
$2,663,270 40
i    41,809 50
31,797 14
1,577 04
6,437 16
13,622 91
1,649 88
39,202 96
7,841 68
12,546 34
4,753 14
17,429 58
12,350 45
17,6b5 04
Nil.
1,386 39
46,000 29
30,589 96
Nil.
11,530 59
10,469 06
13,391 69
5,944 54
16,062 53
18,355 23
6,625 73
14,821 09
28,020 13
13,880 08
8.742 52
6,383 62
9,973 43
13,309 01
174 41
11,666 41
Nil.
19,619 47
68 63
15,233 22
22.938 13
34,485 06
3.743 42
7,654 12
34,680 60
10,621 48
7,845 60
1,417 49.
6,310 51
18,300 06
22,371 94
325 86
3,244 86
4,133 83
71,747 44
13,197 21
15,815 93
22,644 84
8,286 25
3,235 59
16,851 P6
18.113 16
5,021 74
1,030 00
15,417 23
58,262 92
55,029 33
21,609 35
45.114 00
9,346 48
106,4S6 40
64,810 95
26,830 48
1,434 14
2,932 40
21,133 21
136,229 13
4,338 28
9,936 77
140,315 88
27,398 28
1,625 02
57,304 41
30,142 72
9,081 69
17,212 59
$1,721,964 06
Net Amount of
Losses paid.
19,661 19
19,047 26
2,322 09
6,101 67
7,351 85
2,059 88
38,569 50
6,336 68
11,163 09
953 14
16,906 70
7,454 25
9,931 85
Ml.
2,221 84
31.218 30
27,767 12
Nit.
10,727 39
15,927 05
14,514 69
5,944 54
9,936 21
18,075 23
6,625 73
16,279 09
29,073 77
14,041 10
8,742 52
6,108 62
8,373 45
13,301 46
352 91
11,623 41
Nil.
17,385 81
6S 53
15,233 22
11,650 23
37,390 46
2,780 29
6,889 45
34,471 07
10,621 48
10,874 75
1,084 69
6,311 03
18,318 29
24,025 48
Nil.
2,249 68
4,225 87
59,760 27
10,479 23
17,970 93
16,939 84
86 25
923 59
16,821 95
13,389 86
5,008 74
1,055 60
6,131 23
66,052 43
49,630 55
24,435 43
40,642 39
10,116 48
46,946 30
79,708 28
22,623 48
1,153 14
4,404 03
21.219 91
73,518 49
5,634 51
9,936 77
71,130 32
26,941 62
1,425 02
57,339 41
28,553 73
8,773 69
20,199 25
$1,421,249 53 K 20
British Columbia.
1924
TABLE L—NET FIRE INSURANCE PREMIUMS AND NET LOSSES, 1923—Continued.
Name of Company.
Brought forwarc
Lumbermen's Indemnity Exchange	
Marine Insurance Co., Ltd	
Mechanics & Traders Insurance Co	
Mercantile Fire Insurance Co	
Merchants Casualty Co	
Merchants Fire Assurance Corporation of N.Y..
Merchants Marine Insurance Co., Ltd	
Millers National Insurance Co	
Motor Union Insurance Co., Ltd	
Mount Royal Assurance Co., Ltd.   	
National Ben Franklin Fire Insurance Co	
National Fire Insurance Co. of Hartford	
Nationale Fire Insurance Co., Paris, France	
National Provincial Insurance Co., Ltd	
National Union Eire Insurance Co	
Newark Fire Insurance Co	
New Hampshire Fire Insurance Co.  	
New Jersey Insurance Co	
Niagara Fire Insurance Co.   	
North American Accident Insurance Co.t	
North British & Mercantile Insurance Co., Ltd.
North Empire Fire Insurance Co	
Nurthern Assurance Co., Ltd	
North West Fire Insurance Co	
Northwestern Mutual Fire Association	
Northwestern National Insurance Co 	
Norwich Union Fire Insurance Society, Ltd	
Occidental Fire Insurance Co	
Ocean Accident & Guarantee Corporation, Ltd.
Pacific Coast Fire Insurance Co	
Palatine Insurance Co., Ltd   	
Patriotic Assurance Co., Ltd	
Phenix Fire Insurance Co. of Paris, France	
Phoenix Assurance Co.   Ltd   .
Phoenix Insurance Co. of Hartford	
Providence Washington Insurance Co	
Provincial Insurance Co., Ltd	
Prudential Assurance Co., Ltd	
Quebec Fire Assurance Co	
Queen Insurance Co. of America	
Queensland Insurance Co., Ltd	
Railway Passengers Assurance Co. t	
Reliance Insurance Co. of Canada	
Royal Exchange Assurance Co	
Royal Insurance Co., Ltd	
Royal Scottish Insurance Co., Ltd	
St. Paul Fire & Marine Insurance Co.	
Scottish Canadian Assurance Corporation	
Scottish Metropolitan Assurance Co., Ltd	
Scottish Union & National Insurance Co	
Security Insurance Co. of New Haven	
Springfield Fire & Marine Insurance Co	
Sterling Fire Insurance Co. of Indiana	
Stuy vesant Insurance Co	
Sun Insurance Office	
Union Assurance Society, Ltd	
Union Fire Insurance Co. of Paris, France	
Union Insurance Society of Canton, Ltd	
Union Marine Insurance Co., Ltd	
United British Insurance Co., Ltd	
United States Fire Insurance Co.t	
Wawanesa Mutual Insurance Co	
Western Assurance Co	
Westchester Fire Insurance Co	
Yang-tsze Insurance Association, Ltd	
Yorkshire Insurance Co., Ltd	
Total.
Net Premiums.
$2,663,270 40
215,469 45
16
50
' 11
81
16
15
10.
54
21.
24.
14
50,
21.
48.
45.
21.
25.
13.
9,
15,
34,
59.
25,
82,
11,
67,
54,
89,
15,
12,
47,
37,
12,
11.
224.
42.
19.
17.
10.
18.
70,
16,
364 :
083 i
420 :
732 I
451 l
121.
13.
25,
37,
34,
43,
45.
i.
14.
66.
43.
34.
47
11,
57,
20,
40,
29,
is:
25,
23
71
84
83
49
06
01
86
09
80
62
13
85
90
83
40
14
73
27
10
81
08
13
50
55
90
97
36
65
61
99
28
01
19
03
■ 36
97
03
60
62
40
04
99
16
03
47
84
57
96
89
14
15
00
00
Net Amount of
Losses incurred.
85,062,590 48
$1,721,964 06
133,238 77
28 00
9,496 44
3,129 50
2,122 89
8,450 99
3,199 50
7,509 86
6,349 07
27,570 68
6,642 70
36,385 23
13,160 65
2,430 11
19,563 96
9,208 48
5,406 39
7,810 49
13,789 15
516 50
27,803 76
43,268 68
40,232 54
4,879 45
23,058 98
10,977 22
50,457 03
14,024 74
1,579 85
15,808 59
23,855 53
4,793 38
5,647 24
167,005 51
25,555 23
19,207 66
15,278 38
Nil.
11,630 40
38,366 92
23,164 26
7,174 06
21,521 58
67,896 77
21,943 26
6,412 60
19,325 38
12,659 89
26,055 86
Nil.
32,155 24
9,675 50
11,009 84
20,961 02
13,535 01
23,838 99
12,305 95
Nil.
12,638 25
49,213 99
23,530 00
30,936 18
21,784 19
5,199 43
8,006 54
§3,062,348 30
Net Amount of
Losses paid.
$1,421,249 53
98,631 86
28 00
8,086 44
3,099 50
1,072 89
8,304 99
3,199 50
5,803 86
6,283 66
27,360 68
7,229 89
27,720 99
11,653 65
2,430 11
18,451 93
8,631 48
4,651 72
658 04
12,414 15
516 50
28,993 63
33,222 93
38,439 54
4,869 45
24,688 98
10,878 58
44,042 13
8,370 67
2.479 86
13,066 25
21,815 19
4,414 76
7,765 24
115,192 62
23,179 23
11,954 22
13,678 38
Ml.
11,410 40
43,681 92
22,518 50
6,164 06
20,841 58
49,286 77
21,871 26
4,297 46
18,361 02
12,544 96
26,312 86
Nil.
29,836 05
9.675 50
9,659 84
24,152 32
14,995 39
20,993 88
8,972 95
459 00
10,338 25
25,345 44
23,530 00
26,521 39
15,982 99
5,199 43
8,558 54
*2,556,043 79 14 Geo. 5
Keport of the Superintendent of Insurance.
K 21
TABLE IL—FIRE INSURANCE SUMMARY.
Year.
Net Premiums.
Net Amount of
Losses incurred.
Net Amount of
Losses paid.
1919	
1920	
1921	
1922    	
1923	
$  4,370,432 98
5,427,798 35
4,810,405  78
4,670,253 63
5,062,590 48
$ 1,259,983  28
1,636,148 83
2,134,251 22
2,078,201  13
3,062,348 30
$1,181,196 47
1,648,167 47
2,168,851 70
2,062,601 34
2,556,043 79
Totals	
$24,341,481  24
$10,170,932  78
$9,616,860 77 K 22
British Columbia.
1924
TABLE  III.—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.
Mortgages.
In other
Securities.
American Central Insurance Co ,	
Beaver Fire Insurance Co	
Boiler Inspection & Insurance Co	
British America Assurance Co	
British Columbia Plate Glass Insurance Co.  	
British Crown Assurance Corporation, Ltd	
British Northwestern Fire Insurance Co	
Caledonian Insurance Co	
California Insurance Co.	
Canada Accident & Fire Assurance Co	
Canada National Fire Insurance Co	
Canadian Indemnity Co '..	
Canadian  Surety  Co  	
Casualty Company of Canada  -  	
Century Insurance Co., Ltd	
Continental Casualty Co	
Dominion of Canada Guarantee & Accident Co	
General  Accident Assurance Co. of Canada 	
General Accident, Fire & Life Assurance Corporation, Limited
Glens Falls Insurance Co	
Globe Indemnity Co. of Canada .—	
Guardian Insurance Co. of Canada	
Hartford Fire Insurance Co •_	
Hudson Bay Insurance Co	
Imperial Guarantee & Accident Insurance Co. of Canada 	
Imperial Underwriters Corporation of Canada	
Insurance Co. of State of Pennsylvania 	
London Assurance Corporation   	
London Guarantee & Accident Co., Ltd     	
London Mutual B7ire Insurance Co. of Canada  	
Loyal Protective Insurance Co	
Maritime Insurance Co., Ltd. ..;.	
Maryland Casualty  Co	
Mount Royal Assurance Co	
National Ben Franklin Fire Insurance Co	
National Union Fire Insurance Co	
New Jersey Insurance Co.  	
North American Accident Insurance Co	
North British &. Mercantile Insurance Co., Ltd	
North Empire Fire Insurance Co	
Northern Assurance Co., Ltd	
Northwestern Mutual Fire Association 	
Northwestern National Insurance Co	
Norwich Union Fire Insurance Society, Ltd	
Pacific Coast Fire Insurance Co	
Phoenix Insurance Co. of Hartford 	
Provincial Insurance Co., Ltd	
Queen Insurance Co. of America 	
Royal Plate Glass Insurance Co. of Canada  -	
Springfield Fire & Marine Insurance Co	
Union Marine Insurance Co., Ltd	
Western Assurance Co	
Yorkshire Insurance Co., Ltd	
Totals .'.	
13,426 88
1,500 00
449,873 68
53,901 47
5,000 00
8,568 93
67,251 00
452,000 00
84,301  61
6,150 00
80,000 00
77,561  00
19,000 00
125,000 00*
5,251 62
88,194 66
371,538 20
25,000 00*
19,000 00
40,733 33*
2,110 00*
50,331 00*
16,200 00
94,000 00*
31,257 36
1,949 03
126,000 00
5,000 00
39,333 33*
48,000  00
108,032  13
34,541 50f
30,434  75f
19,700 00
605,000 00
212,502 99
22,620 00
10,000 00
37,500 00
44,733 33
60,000 00*
27,000 00
25,000 00
10,000 00
4,937 50f
122.000 00*
36,000 00
37,500 00
6,000 00*
47,420 80
46,000 00*
200,079 06
21,900 OOf
9,733 33*
32,000 00*
45,000 00*
21,170 00
150,000 00*
550,000 00
$1,223,973 55
$3,762,267 92
* Par value.
Book value. 14 Geo. 5
Report of the Superintendent of Insurance.
K 23
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British Columbia.
1924
TABLE V.—LIFE INSURANCE SUMMARY.
1919.
1920.
1921.
1922.
1923.
Premiums for year.-.
Net amount in force
Claims paid 	
|    4,767,000
141,549,000
1,851,000
P    5,848,000
171,650,000
1,460,000
"    6,264,000
188,930,000
1,332,000
$    6,789,000
202,809,000
1,635,000
$    7,501,000
225,660,000
1,691,000
TABLE  VII.—MISCELLANEOUS  INSURANCE   SUMMARY.
1919.
1920.
1921.
1922.
1923.
Accident, P	
L	
Sickness, P	
L	
Liability, P	
L	
Automobile, P...
L...
Marine, P	
L	
Other forms, P.
L
(5249,000
113,000
106,000
65,000
42,000
34,000
423,000
142,000
472,000
210,000
134,000
35,000
$349,000
154,000
115,000
52,000
27,000
7,000
566,000
273,000
438,000
253,000
164,000
86,000
$334,000
160,000
141,000
71,000
30,000
10,000
648,000
346,000
486,000
306,000
166,000
65,000
$318,000
132,000
135,000
87,000
26,000
10,000
655,000
300,000
416,000
217,000
205,000
67,000
$364,000
161,000
148,000
77,000
44,000
16,000
624,000
223,000
443,000
375,000
253,000
65,000 TABLE  VI.—MISCELLANEOUS
BUSINESS:   NET
PREMIUMS AND
LOSSES,
1923.
K 25
NAME OF COMPANY.
Accident.
Sickness.
Liability.
Automobile.
Burglary.
Guarantee.
Plate Glass.
Marine.
Earthquake, Hail,
Electrical Machinery,
Fraud and Credit,
Live Stock,  Steam-boiler,
Sprinkler Leakage,
Inland Transportation,
Explosion, Tornado,
Forgery, and Rainfall.
(Indicated by Initial
letters.)
Total
Premiums.
Total
Losses.
Unsettled
Claims.
$      898 00
Nil.
1,281 95
Nil.
Nil.
Nil.
Nil.
Nil.
Nil.
Nil.
98 00
Nil.
Nil.
203 00
25 00
4,564 00
Nil.
Nil.
442 00
1,672 30
Nil.
158 45
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
.58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83    .
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
$       856 31
9,808 66
2,262 65
52 23
213 74
$       846 93
2,885 25
389 43
Nil.
Nil.
$       941 09
5,162 01
4,474 31
$ 6,975 34
NU.
2,587 59
I.T. $    64 00
$         36 73
$    1,861 40
19,944 94
6,829 71
52 23
213 74
1,676 44
551 33
467 67
3,735 70
1,604 62
13,308 00
5,924 89
43,688 27
217 97
17,754 10
40,922 56
220 62
6,424 92
17,839 83
6,641 36
182 92
1,063 14
$    7,859 00
6,238 71
2,977 02
Nil.
Nil.
Nil.
Nil.
Nil.
Nil.
Nil.
4,485 68
39,430 87
11,566'46
16,193 25
5,255 24
18,679 91
75 30
2,453 12
5,501 49
9,721 82
340 05
274 24
$    1,324 02
$       489 22
$       987 37
$    1,245 09
$       596 90
$       316 75
$    1,126 22
$    1,207 97
$       939 76
$         94 43
I.T.        92 75
Nil.
C.      1,676 44
Nil.
551 33
Nil.
444 40
Nil.
$        23 27
Nil.
"i, 604* 62
"'mi.'"
S.B.  3,735 70
E." ii3 32
Nil.
""mi.""
13,194 68
4,485 68
.
5,924 89
3    	
39,430 87
43,688 27
$  11,566 4
217 97
4,717 98
17,453 60
220 62
6,424 92
5,534 10
16,193 25
3,176 52
4,317 62
75 30
2,453 12
2,422 31
"" 2,078*72
"3,306 89
""4,99152
"433*87
13,036 12
fc	
8,064 28
6,232 50
4,112 57
1,982 28
1,681 45
1,443 64
1,691 59
3,175 50
715 1
1,109 00
98 16
10,960 42
2,884 44
236 31
96 5
3	
6,641 36
9,721 82
128 51
Nil.
19 00
23 75
35 41
316 30
181 78
Nil.
881 36
274 2
1  	
25. Continental Casualty Co	
44,558 52
19,359 26
39,416 09
20,272 84
210 56
Nil.
1,807 78
177 67
167 05
Nil.
85,992 95
556 11
39,799 15
Nil.
10,828 23
Nil.
E.          378 44
Nil.
"4,724*52
341 07
6,466 66
2,801 33
11,668 59
6,633 11
1,138 70
1,151 67
689 35
Nil.
26,161 45
22,114 93
4,222 41
27,112 06
10 72
10 30
7.523 09
3,469 10
2,366 75
9,926 22
16 33
Nil.
1,282 60
641 33
33,139 21
2,139 86
110 18
Nil.
194 04
1,907 33
34 38
83,493 17
78,005 92
34,8S2 93
48,497 76
46 27
4,962 51
3,388 83
740 50
64,137 09
17 90
36,444 73
739 73
82 72
11,279 69
47,085 89
14,618 38
1,687 35
18,979 38
5,609 57
11,490 39
14,008 50
19,074 04
20,527 76
19,456 28
30,712 58
16 33
934 99
Nil.
103 31
35,043 01
Nil.
10,533 18
19 77
Nil.
3,464 27
12,898 56
7,310 27
200 00
5,054 07
260 69
135 10
9,680 97
2,474 00
Nil.
125 00
664 9
'mi."'
3     ,
30,660 52
17,089 53
31. Employers Liability Assurance Corporation, Ltd 	
5,864 58
17,551 81
3,394 34
775 12
4,312 72
512 50
4,161 09
1,149 36
3,367 92
797 57
172 85
S.B.      112 20
E.            35 55
S.B.        26 08
Nil.
Nil.
Nil.
Nil.
500 00
Nil.
12,110 50
2,435 00
200 00
Nil.
Nil.
Nil
1,329 87
Nil.
860 00
Nil
Nil.
Nil
976 14
85 35
2,556 28
Nil.
572 99
Nil.
•
3,388 83
Nil.
""Nil."
417 69
5,405 33
103 31
2,834 66
E.          322 81
58,731 76
17 90
7'	
32,208 35
Nil.
S.B.        68 50
L.S.          7 55
j I.T.       13 14
1 S.L.     69 58
/ I.T.      19 25
1 E.    2,025 00
Nil.
Nil.
Nil.      I
Nil.      r
Nil.      \
Nil.     J
1,825 32
856 65
V   *2,52i 80
1     1,176 22
*],019 84
|   10,777 88
575 61
17,207 87
7,180 62
1,083 22
30 00
926 30
Nil.
857 62
732 18
143 0
19 7
7	
9,235 44
3,464 27
15,112 17
3,141 63
10,722 51
4,241 19
2,678 19
463 93
14,012 05
591 25
3,164 16
1,409 42
820 06
645 53
2,688 33
1,242 12
1,052 58
13,754 27
5,900 85
| E.       199 05
'( I.T.      73 81
Nil.      \
Nil.      J
1,687 35
61 53
182 26
200 00
Nil.
89 20
Nil.
67 25
15,596 70
2,671 11
13,341 69
4,464 30
Nil.
135 10
9,636 89
1,218 00
603 04
40 00
359 33
1,112 09
150 0
157 5
) 	
J I.T.        8 75
< S.L.      75 00
Nil.       )
Nil.      ,
f Ea. 7,500 00
LT.      67 93
T.         23 40
1 R.       100 00
S.L    626 98
H.      147 77
VEx.     353 20
( I.T.    146 50
-^ S.L.    507 85
( E.         12 46
Nil.        \
44 08 "l
Nil.       }
Nil.     J
16 67
Nil.
2,204 80
172 80
Nil.
14,783 24
2,503 12
20,363 89
6,466 89
385 05
3,504 90
848 60
40 00
Nil.
711 09
76 3
3
24,515 70
2,559 79
79,037 49
10,118 14
385 05
27,312 64
Nil.
5 00
15,126 70
51. Imperial Underwriters Corporation of Canada	
57,927 83
23,498 95
/I.T.    667 02
\S.L.      78 75
308 79 \
Nil.      j
580 31
10,337 50
611 15
732 14
217 43
580 00
4,267 16
7,771 37
15,322 40
1,909 64
1,110 03
1,253 63
3,659 94
1,898 55
571 98
138 50
555 12
63 7
) ..
6,803 15
8,071 37
29,431 85
1,909 64
2,477 98
9,914 99
58,990 17
7,334 21
17,955 08
13,853 34
•    919 69
12,961 87
1,253 63
12,801 74
1,898 55
766 73
3,182 96
24,693 74
4,284 78
10,552 45
4,217 35
Nil.
110 00
846 00
6,820 00
Nil
E.          300 00
Nil.
56. London & Lancashire Guarantee & Accident Co. of Canada,  	
4,062 20
1,777 46
2,956 52
926,26
867 76
10 60
1, 008 62
Nil.
2,599 74
6,099 25
2,614 61
328 2
J	
2,477 98
9,914 99
766 73
3,182 96
Nil.
25,680 00
405 00
2,193 84
50 00
Nil.
60. London Guarantee & Accident Co., Ltd	
8,360 51
2,524 01
(   *1,299 31
\     4,949 73
*452 11
1,992 16
j-     7,386 38
1,075 05
26,622 50
7,334 21
12,698 90
4,284 78
276 40
Nil.
10,033 29
5,951 51
62 05
Nil.
*17,955 08
10,552 45
13,853 34
214 79
4,217 35
Nil.
I.T.       704 85
Nil.
66. Maryland Casualty Co	
67. Merchants Casualty Co   	
301 57
*105,055 73
36,639 12
394 25
Nil.
1,975 51
25,527 70
99 87
745 60
8,522 87
Nil.
808 57
854 00
113 58
477 75
374 8
)    .
S.L.      137 97
548 30
5,352 74
130,583 43
99 87
148 65
30,303 57
1,006 47
1,532 19
10,340 60
535 90
3,023 95
12,274 23
882 69
32,525 60
7,315 26
23,191 96
22,574 08
31,981 50
2,378 92
45,161 99
Nil.
Nil.
6,938 50
542 10
35 95
106 27
273 24
114 30
Nil.
3,262 21
294 28
8,825 16
1,614 70
195 51
4,800 84
6,274 91
156 00
9,968 66
Nil.
Nil
1,484 22
150 00
Nil.
148 65
Nil.
70. Motor Union Insurance Co., Ltd	
30,303 57
6,938 50
" 542 1
1,006 47
0	
Nil.
35 95
73. National Provincial Insurance Co., Ltd	
1,532 19
106 2
7 	
74. National Surety Co   	
2,049 41
Nil.
5,010 64
f For.    803 33
{ Fr.     910 00
tCr.  1,567 22
68 08 )
205 16 V
5,223 60
Nil.
Nil.
1,879 54
78 58
1,104 00
25 00
2,255 85
1,983 00
948 60
535 90
21 15
Nil.
93 15
76. New Hampshire Fire Insurance Co	
I.T.     3,023 95
Nil.
77. New Jersey Insurance Co	
12,274 23
3,262 21
	
78. New York Plate Glass Insurance Co 	
882 69
294 2
'"685*7
B 	
30,521 53
E	
23,191 96
3          3,885 87
79. Niagara Fire Insurance Co       	
2,004 07
1,562 89
205 34
458 10
8,619 82
80. North American Accident Insurance Co   ...
1,827 38
60 00
Nil.
3,137 02
81. North British & Mercantile Insurance Co., Ltd	
195 51
1,251 90
10,249 44
31,981 80
14*337 31
16,204 20
5,959 25
1,976 96
6,274 91
'" 7,883*44
13,337 64
2,845 58
394 31
Nil.
1,005 96
Nil.
1,708 05
332 6
83. Northwestern Mutual Fire Association ,	
84. Northwestern National Insurance Co. t   	
85. Norwich Union Fire Insurance Society, Ltd	
'"7,086 16
2,049 17
5,618 82
'" 4,287*79
"'422'83
Nil
' "36*66
'mi.'
"ioOO
2,205 10
527 2
1 	
29,710 22
16,204 20
24,225 93
1,759 92
3,671 28
14,201 76
364 85
19,816 19
20,834 57
12,706 54
47,854 07
1,665 00
14,747 67
13,337 64
8,959 31
23 43
779 54
10,973 44
Nil.
11,861 65
3,149 37
7,305 80
12,337 48
30,000 00
2,158 00
1,927 50
5,256 00
Nil.
Nil.
7,165 00
Nil
Nil.
5,170 00
Nil.
1,265 00
.Vt7.
7,177 71
3,339 66
2,747 75
1,110 30
1,906 73
451 69
371 14
901 70
Nil
5,161 65
1,212 0
§
1,759 92
23 43
89. Palatine Insurance Co., Ltd	
3,67i 28
364 85
779 54
Nil.
12,419 54
9,546 86
E.            94 35
Nil.
91. Preferred Accident Insurance Co., of New York	
19,816 19
11,861 65
93. Queen Insurance Co. of America	
3,216 57
160 05
\        17,618 00
12,706 54
i	
1,665 00
2,989 32
7,305 80
5,777 70
2,046 58
3,079 37
1,393 22
2,382 82
129 30
34,199 47
8,204 94
843 43
Nil.
1,571 28
563 4
30,000 00
234 37
105 00
82 50
23 75
3,488 22
2,277 30
'" 2*451 23
10,226 24
3,735 18
1,14? 98
68 00
3,805 09
4,072 99
4,211 43
10,353 13
22,670 01
3,735 18
21,799 69
2,767 13
36,344 76
28,816 24
21,605 13
4,600 43
29 310 04
2,755 93
25,640 74
3,344 49
9,478 30
30,881 92
15,456 94
2,298 66
14,939 12
30,678 32
18,726 52
$1,867,628 23
1,271 73
68 00
1,147 62
1,877 46
23,045 40
945 93
5,884 83
758 10
10,550 56
4,558 86
4,451 33
804 52
11,372 65
408 75
20,130 37
430 14
5,652 03
11,914 10
4,783 68
91 93
5,146 99
17,227 90
14,269 94
1,175 00
Nil
'" 1,243* 75
Nil
200 00
Nil
115 00
1,580 50
2,518 71
454 64
Nil.
810 00
mi.
86,000 00
2,250 00
Nil.
5,280 00
1,197 82
Nil.
3,500 00
Nil.
1,286 25
1,795 69
%    	
Nil.
100. Royal Plate Glass Insurance Co. of Canada	
4,211 43
1,147 6
101. St. Paul Fire & Marine Insurance Co	
102. Scottish Metropolitan Assurance Corporation, Ltd	
103. Scottish Union & National Insurance Co	
" li.6'50
477 50
10,073 51
945 93
6,341 81
1,101 11
I.T.    1,560 09
298 85
5,775 35
4,250 40
6,255 83
8,604 99
295 50
117 09
Nil.
21,799 69
5,884 83
105. Sterling* Fire Insurance Co. of Indiana	
2,767 13
35,296 14
2,617 48
758 10
10,405 06
204 20
392 37
2,000 88
21,605 13
106 75
854 86
4,451 33
244 79
14,115 80
38 75
3,293 40
48 13
Nil.
363 33
Nil.
2,595 17
Nil.
319 64
Nil.
 {
E.M. 6,042 13
S.B.   1,125 14
206 40 \
Nil.      j
4,600 43
8,560 20
2,755 93
1,575 30
2,998 71
304 52
1,894 32
408 75
393 55
430 14
110. Union Insurance Society of Canton, Ltd	
6,856 40
1,774 19
13,893 44
7,704 14
112. United States Fidelity & Guaranty Co	
113. United States Fire Insurance Co	
1,063 81
146 42
1,002 00
Nil.
3,385 42
1,224 69
4,186 36
768 20
12,409 31
17,049 03
2,018 54
548 4
§	
/ T.        179 13
1 E.       166 65
T.    Nil     \
E.    Nil     f
9,478 30
16,849 64
5,652 OS
9,008 03
13,389 56
2,901 47
J E.       103 95
( I.T.    538 77
j-           4 60
.   *15,456 94
4,783 68
117. Westchester Fire Insurance Co.t ,	
2,281 53
14,939 12
30,678 32
2 	
91 93
5,146 99
17,227 90
I.T.          17 13
Nil.
119. Yang-tsze Insurance Association, Ltd	
 772*14
120. Yorkshire Insurance Co., Ltd	
8,541 08
2,601 01
6,665 38
4,664 77
601 08
6,380 68
1,292 74
.    215 83
224 3
L.S.        854 10
183 33
$      1,938 70
Totals	
$    36,233 70
$> 258,748 73
$ 364,437 73
$ 160,729 84
$ 148,270 08
$    76,935 32
$    44,040 02
$    16,260 29
$ 624,371 74
$ 223,141 95
$    35,273 76
$      6,435 52
$    95,962 50
$    83,912 54
$    20,815 1
0 $ 442,882 32
$        37,477 54
$ 801,239 10
$   247,252 10
* Accident and sickness,    t No business transacted.
1 14 Geo. 5
Keport op the Superintendent of Insurance.
K 27
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« K fe & 14 Geo. 5 Keport of Fire Marshal. K 20
REPORT OF FIRE MARSHAL.
Office of Fire Marshal,
Vancouver, B.C., May 1st, 1924.
■J. P. Dougherty, Esq.,
Superintendent of Insurance,
Parliament Buildings, Victoria, B.C.
Sik,—I have the honour to submit my second annual report as Fire Marshal covering the
year ended December 31st, 1923.
FlRE-PREVENTION   WORK.
During the year 40,573 inspections have been made, 5,468 fire hazards were located and
orders issued to remove the same, 151 persons were convicted and fined for failing to carry out
the order of the Assistant Fire Marshal, 145 fire-alarms were installed in public buildings,
127 fire-escapes were ordered erected, and 1,435 fire-drills in schools and public buildings were
held by the Assistant Fire Marshals. During the year salaries to the amount of $629,234 have
been paid to firemen. Equipment iu use is valued at $478,548, new equipment to the value of
$34,925 having been purchased during the past year; $122,326 has been expended on water
systems for better fire-protection. In addition to this, iu a number of cities and municipalities
fire-prevention laws have been revised and brought up to date.
Fiee Investigations.  ' .
All of the 1,549 fires which occurred during the year have been investigated and reports
filed in this office. Thirteen inquiries were held by the Fire Marshal during the year; five
convictions for arson were obtained and three cases were dismissed; sixteen fires were reported
as being of incendiary origin, but in eight cases no evidence could be produced.
Conflagration Hazards in Cities.
During the past year a serious attempt has been made to reduce this hazard in a number
of our cities and municipalities. Many old buildings have been removed or repaired under the
orders of the Assistant Fire Marshals. Two appeals were taken from the decision of the Fire
Marshal to the County Court in connection with these buildings. The learned Judge held that
it was necessary to show in what manner the buildings would catch on fire. As it was impossible to do this, the cases were decided against us. In view of this decision it was decided
to amend section 17, subsection (1), clause (a), of the Act to make its meaning clearer; and
in view of the difference of opinion as to the ruling of His Honour on a point of law, it was
decided to amend section 21, subsection  (3), and provide for an appeal to the Court of Appeal.
Loss of Life.
Fourteen lives were lost through fire during the year—five adults and nine children. Six
of these children were Indians who were burned to death in the fire at the Bella Bella canneries.
Industrial Plants.
Of the 1,549 fires reported, ninety were in industrial plants and accounted for $2,022,602,
or nearly 48 per cent, of our losses. It is obvious that if we are to reduce our enormous fire
waste the problem of the industrial fires must be given serious consideration. Our investigations
show that in almost every case the rapid destruction of these industrial plants was due to
insufficient fire-protection and an almost total disregard of the most elementary principles of
fire-prevention engineering.
In an endeavour to remedy this situation, as much time as possible has been devoted during
the past year to making a survey of the conditions and consulting with managers and others.
In this connection, and with especial reference to the hazard of refuse-burners, a meeting of
representative millmen, combustion engineers, and representatives of cities and municipalities
interested was called in my office.   As an indication of the interest taken, thirty-seven represen- tative men attended and the problem was discussed from every angle. It was the consensus
of opinion that the type of burner now in general use is dangerous and inadequate for the
purpose intended. A resolution was passed by this meeting asking the Fire Marshal to consult
with engineers and endeavour to devise a type of burner that would meet the situation.
As a result of this a number of plans were submitted by engineers and others, and after
careful consideration what is known as the " down-draught" type of burner was selected.
Three of the larger mill companies in the City of Vancouver—i.e., British Columbia Fir & Cedar
Company, the Alberta Lumber Company, and the Bat Portage Lumber Company—agreed to erect
burners of this type. The result has been very gratifying, as these burners have proven to be
100 per cent, efficient. In addition to this, some of the smaller shingle-mills have installed
smaller burners of this type which are giving perfect satisfaction, and we feel that the problem
of the proper and safe destruction of sawmill refuse has been solved.
Fire-insurance Bates.
During the year a very considerable reduction has been made in the fire-insurance rates
throughout the Province. We have been endeavouring to bring together the insurance" companies
and the business-men, believing that a clear understanding of the conditions existing will bring
about in many cases a decided reduction in rates at a very small cost to the insured for necessary
changes.
With regard to sawmills and wood-working plants of similar nature: Saw, shingle, and
planing mills throughout the Province, with very few exceptions, are constructed entirely of
frame, but of recent date mills of heavy wood construction with corrugated-iron sides have been
built.
Protection consists of outside hydrants and inside stand-pipes, with adequate supply of
casks and pails distributed throughout the main and subsidiary buildings and yard.
There is also watchman patrol service with clock-reporting system, or central station checkup hourly, at nights, Sundays, and holidays.
The interior of mill buildings are Iimewashed, and the other buildings in connection therewith are located at distance where the minimum exposure hazard is reflected.
There is also a genuine attempt on the part of up-to-date mill-owners to eliminate the spark
hazard from refuse-burners, and in this respect the performance of the new type of down-draught
burners is being watched with considerable interest.
In conclusion, I wish to express my appreciation of the splendid co-operation and assistance
I have received from Colonel McMullin, Superintendent of Provincial Police, and the members
of his force, many of whom are acting as Assistant Fire Marshals in unorganized districts; to
the city and municipal police, who have assisted in investigating suspicious fires and convicting
guilty parties; to the faithful and efficient Assistant Fire Marshals, whose excellent work is
shown by the record of inspections and orders issued; and to the members of my staff, who have
given faithful and loyal service in investigating fires and compiling the records contained in
this report.
Yours faithfully,
J. A. THOMAS,
Fire Marshal. 14 Geo. 5
Keport of Fire Marshal.
K 31
TABLE I.—INSPECTIONS MADE AND OBDEES ISSUED BY ASSISTANT
FIBE MABSHALS.
Name.
Inspections.
Orders.
City Municipalities (Si).
Alberni	
Armstrong	
Chilliwack	
Courtenay	
Cranbrook .,
Cumberland	
Duncan ...
Enderby	
Fernie	
Grand Forks	
Greenwood	
Kamloops .•-	
Kaslo :	
Kelowna -	
Ladysmith	
Merritt	
Nanaimo	
Nelson	
New Westminster	
North Vancouver	
Phoenix	
Port Alberni	
Port Coquitlam _	
Port Moody	
Prince George	
Prince Rupert	
Revelstoke	
Rossland	
Salmon Arm	
Slocan	
Trail	
Vancouver	
Vernon	
Victoria	
Totals	
District Municipalities (28)
Burnaby	
Chilliwack.	
Coldstream	
Coquitlam	
Delta	
Esquimalt	
Fraser  Mills.-	
Kent	
Langley -	
Maple Ridge -	
Matsqui ....
Mission	
North Cowichan	
North Vancouver	
Oak Bay	
Peaehland	
Penticton	
Pitt  Meadows --
Point Grey	
Richmond -	
Saanich	
Salmon Arm	
South Vancouver	
Spallumeheen	
Sumas	
11
-
3
24
8
70
155
74
31
1,455
-'
8
2
14
37
41
27
12
602
8
20
10
838
17
255
67
350
40
1,359
385
7
1
49
7
230
81
269
143
284
56
171
73
11
1
28,031
3,780
14
5,219
229
39,418
5,168
67
39
50
3
34
56
13
8
6
4
10
80
38
15
4
139
18
22
6
9
2
141
30
14
8
1
3
8
158
13 K 32
British Columbia.
1924
TABLE  I.—INSPECTIONS MADE  AND  OBDEBS  ISSUED  BY  ASSISTANT
FIBE MARSHALS-—Continued.
Name.
Inspections.
Orders.
Summerland 	
District Municipalities—Continued.
12
Surrey	
4
,
Totals	
782
1
4
1
66
24
223
1
3
7
43
233
Fire Districts (16).
2
2
Hedley	
29
11
Pacific Mills, Ltd	
6
2
5
Telkwa                 ..	
4
6
Totals
373
67
40,573
5,468 14 Geo. 5
Keport of Fire Marshal.
K 33
TABLE II.—FIRES BEPOBTED.
Districts reporting.
Number.
Amount of
Less.
City Municipalities (3Jf).
5
5
3
13
3
7
2
6
5
6
4
10
6
9
34
13
35
41
2
11
7
6
10
27
9
1
5
429
9
•   136
$        6,905
4,814
1,354
6.055
2,335
5,985
7,891
14,883
2,178
2,034
1,575
9,177
5,207
Merritt	
8,667
15,521
8,897
170,475
105,773
1,246
86,284
22,068
2.258
22,919
30,205
2,804
197
Trail        .               	
6,824
724,344
10,227
328.403
Totals  -	
859
41
0
1
7
2
8
1
1
20
11
11
7
9
17
12
2
9
2
29
12
21
79
7
6
$1,617,505
District Municipalities (28).
$     44.806
28,327
18
19,301
I>elta	
8,105
13,920
350
11.210
36,214
20,891
36,076
6.624
272.277
35,841
15,378
3,700
7,394
5,300
31.285
66.867
63,751
189,500
14,677
15,320 K 34
British Columbia.
1924
TABLE II.—FIBES REPORTED—Continued.
Districts reporting.
Number.
Amount of
Loss.
District Municipalities—Continued.
33
15
$
156,094
7.821
West Vancouver	
Totals	
372
8
8
4
9
13
11
19
33
14
68
22
39
19
27
6
$
,120,047
32,693
26,733
6,400
20,600
30,225
Unorganized Districts (IS).
Boundarv	
Fort George	
Fort St. John	
23,646
39,292
109,011
68,993
299,345
407,924
170,909
58,610
152,088
Yale	
7,842
Totals    .                 	
300
3
5
2
1
3
1
1
1
1
$3
$
,454,311
Fire Districts (16).
55
Pacific Mills  'Ltd                                      	
8,203
4,490
12,500
11,241
50
95
1,070
350
18
$
38,054
1,549
%'
1,229,917
Notk.—Construction of buildings—■
Fire-resisting	
Brick or concrete	
Frame	
4,
129,
1,416,
1,549,
loss
2,728
589,851
3,637,338
$4,229,917 14 Geo. 5
Beport of Fire Marshal.
K 35
TABLE III.—CAUSES OF FIBES.
Number.
Amount of
Loss.
15
$           816
1
20
1
12
1
12
59
8,922
13
8,848
1
1,400
21
24,937
6
5,872
7
2,428
2
57
1
6
3
43
1
185
1
13,100
92
146,099
23
21,471
15
39,856
1
5,107
1
713
1
34
57
141,445
22
203,572
44
99,196
2
100,005
105
346,667
1
7
4
142
1
977
2
83
7
3,227
1
25
1
525
12
1,387
1
10
3
157
8
10,453
1
13,000
1
21
1
245
1
11,101
16
36,661
1
11
8
26,192
12
15,600
4
3,090
1
500
7
2,069
9
3,505
36
37,627
27
53,024
4
3,675
2
123
6
4,713
1
1,283
1
82
1
250,000
4
70,002
1
100
1
1,236
1
15
2
5,739
1
25
45
79,454
133
334.902
Ashes against wood	
Boiler insufficiently protected	
Brushes on top of oven caught fire 	
Burning paint off ceiling with torch 	
Candle carelessness 	
Carburettor back-firing  .'	
Car slipped down embankment and caught fire 	
Clothes too near stove 	
Coal-gas explosion 	
Coal-oil carelessness	
Curtains from candle' 	
Curtains from lamp 	
Curtains from stove	
Defective battery connection 	
Defective boiler	
Defective chimney ,	
Defective fireplace	
Defective furnace or furnace-pipe 	
Defective gas connection  ...
Defective oil-supply pipe 	
Defective oven	
Defective stove or stove-pipe 	
Defective wiring 	
Electrical appliances 	
Engine back-firing 	
Exposure	
Fat melting in oven caught fire	
Fire-crackers	
Friction in drying-oven  '.	
Fumigation 	
Furnace or furnace-pipe insufficiently protected 	
Gas-burner insufficiently protected 	
Gas left turned on vulcanizing-machine 	
Gasolene carelessness	
Gasolene explosion 	
Gas-plate insufficiently protected 	
Grease on stove	
Hot box	
Hot iron in bed 	
Hot metal from cupola igniting frames 	
Hot saw ignited tempering-oil  *	
Incendiary 	
Knives in pan on stove ignited	
Lamp explosion 	
Lamp upset  —
Lantern upset 	
Lighted torch left in garage 	
Lightning	
Live coals -	
Match carelessness  -	
Matches, children with 	
Matches, mice with	
Mattress too near stove 	
Oil-stove explosion 	
Oil-switch explosion 	
Overflowing of coal-dust near furnace	
Overheating of bearing 	
Overheating of dry-kiln 	
Overheating of electric radiator 	
Overheating of machinery bearings 	
Paper from stove	
Rubbish around furnace or stove 	
Saturating-tank overflowed 	
Short circuit 	
Smokers' carelessness	 K 36
British Columbia.
1924
TABLE III.—CAUSES OF FIRES—Continued.
Causes of Fires.
Number.
Amount of
Loss.
Sparks from acetylene blow-torch 	
Sparks from boiler	
Sparks from burner	
Sparks from burning rubbish	
Sparks from bush fire	
Sparks from chimney	
Sparks from conveyor	
Sparks from Dutch oven 	
Sparks from engine	
Sparks from fireplace  	
Sparks from forge	
Sparks from furnace 	
Sparks from generator   	
Sparks from grass fire	
Sparks from locomotive  ....
Sparks from mill burner —	
Sparks from motor —
Sparks from oven  - .,
Sparks from smoke-stack 	
Sparks from stove or stove-pipe  ....
Spontaneous combustion	
Stove explosion 	
Stove or stove-pipe Insufficiently protected
Superheated steam ^	
Tar boiling over	
Thawing pipes  	
Unknown	
Wax melting in oven caught fire  ..,..
Wood too near furnace 	
Wood too near stove 	
Totals 	
1
7
5
8
19
218
1
1
10
37
2
5
1
1
1
6
1
1
2
46
33
5
75
1
9
10
217
1
1,549
$ 26
23,677
96,113
13,290
100,432
125,025
14,295
2,157
31,091
2,620
500
65,422
37
75
1,400
134,266
562
71
36,048
28,974
34,255
5,687
69,331
342
18.546
4.111
1,265,960
16
222
7,508
$4,229,917 14 Geo. 5
Beport of Fire Marshal.
K 37
TABLE IV.—CLASSIFICATION  OF PBOPERTY BURNED AND CAUSES.
Property.
Amount of Loss.
Apartments
Automobiles
Barns and stables
Blacksmith-shops
Boarding-houses
17
S3
Awnings       1
Bakeries      1
Barber-shops   1
Barns   36
Boiler-houses
Breweries   ....
Bunk-houses
Bunkers	
Ashes against wood   1
Candle carelessness  1
Clothes too near stove  1
Defective chimney  2
Defective gas connection  1
Smokers'  carelessness  5
Sparks from chimney   3
Sparks from fireplace  1
Unknown  2
Oar slipped down embankment and caught fire 1
Carburettor back-firing  11
Coal-oil carelessness  1
Defective battery connection  1
Defective  wiring  2
Exposure  20
Gasolene  carelessness  4
Gasolene  explosion  1
Match carelessness  4
Short   circuit  25
Smokers' carelessness   6
Sparks, from bush fire    1
Sparks from generator   1
Unknown  7
Smokers'  carelessness   1
Stove   insufficiently  protected  1
Candle carelessness  1
Exposure  4
Lantern   upset -  1
Lightning  1
Match  carelessness   -  1
Matches, children with  3
Smokers' carelessness  1
Sparks from boiler   •  1
Sparks from bush fire   1
Sparks from chimney  1
Spontaneous combustion  3
Unknown  19
Lantern  upset  1
Match  carelessness  1
Sparks from locomotive  1
Unknown     1
Defective chimney  1
Exposure      1
Sparks from forge  -  1
Defective stove or stove-pipe  2
Grease on stove  1
Smokers' carelessness   1
Sparks from chimney  2
Stove insufficiently protected   1
Unknown  1
Sparks from boiler  1
Sparks from burner   1
Smokers' carelessness  1
Exposure  1
Sparks from chimney  1
Spontaneous combustion  1
73
81
12
6,012
5,107
745
124
27
975
1,400
4,323
2,200
185
1,085
27,705
550
10
575
6,048
1,235
15
37
3.916
16,256
900
50
2,073
8,983
2,500
500
1,800
1,712
6,322
53,574'
1,900
685
1,400
1,750
10
1,800
400
2,363
5,700
895
380
225
71
650
1,250
1,041
350
$     13,156
49,284
30
70
34
94,670
5,735
2,210
9.634
1,900
2,711
1,391
150 K 38
British Columbia.
1924
TABLE IV.—CLASSIFICATION OF PROPERTY BURNED AND CAUSES—Continued.
Property.
Causes.
Amount of Loss.
Canneries
Chicken-houses
11
Churches
Churches and dwellings
Clay-products plant 	
Cleaning establishments
Clubs   	
Coal-grinding plants 	
Concentrators 	
Cooperages -	
Dairies	
Dredges	
Dry-houses   	
Dry-kilns	
Dwellings    -     893
Coal-gas explosion  1
Engine back-firing  1
Exposure  1
Exposure      1
Lamp explosion   1
Lamp   upset  1
Lantern  upset  1
Match  carelessness  1
Sparks from burning rubbish  1
Spontaneous  combustion -  1
Unknown      4
Clothes too near stove     1
Matches, children with  - 2
Sparks from bush fire  1
Sparks from chimney  1
Sparks from  furnace   1
Spontaneous combustion  1
Matches,   children  with  1
Unknown  1
Electrical   appliances — 1
Smokers' carelessness   1
Smokers' carelessness   3
Overflowing of coal-dust near furnace  1
Unknown      1
Sparks from  burner  1
Sparks from chimney   1
Sparks from boiler  1
Unknown  1
Overheating of dry-kiln  -  1
Sparks from burner     1
Sparks from mill burner    1
Unknown  1
Ashes against wood    7
Brushes on top of oven caught fire   1
Burning paint off ceiling with torch   1
Candle carelessness  9
Clothes too near stove — 18
Coal-gas explosion  3
Coal-oil  carelessness  4
Curtains from candle  2
Curtains from lamp  1
Curtains from stove   2
Defective chimney  77
Defective fireplace  22
Defective furnace or furnace-pipe    12
Defective stove or stove-pipe  52
Defective  wiring    12
Electrical  appliances      30
Exposure  37
Fat melting in oven caught fire   1
Fire-crackers  3
Fumigation      2
Furnace   or   furnace-pipe   insufficiently   protected    .'. 6
Gas-burner insufficiently protected   1
Gasolene carelessness  3
Gas-plate insufficiently protected   2
Grease on stove  6
Hot iron in bed  1
Incendiary  5
! 3,731
100,003
184,941
$ 288,675
300
250
25
275
10
75
50
7,050
16
20,128
3,000
20
850
66
965
2,059
50
2.367
512
$   356
12
59
8.602
21,956
1,568
167
57
6
19
119,110
4.471
27,729
83,040
42,213
11,305
25.721
140
83
1,405
25
253
75
4,743
21
3,730
8,935
24,080
12,500
6,002
967
127
• 82,
220
4,622
155
8,033
200
4,988 14 Geo. 5
Beport of Fire Marshal.
K 39
TABLE IV.—CLASSIFICATION OF PROPERTY BURNED AND CAUSES—Continued.
Property.
Causes.
Amount of Loss.
Dye-works   1
Electrical  sub-stations    1
Electrical workshops   2
Engines    1
Factory   (fruit-packing)     1
Factory   (roofing material).. 1
Factory  (sash and door)   .... 1
Factory (saw-works)   1
Factory (starch-mfg.)    1
Factory (suit and cloak)  1
Factory (toy)    1
Factory   (wood-working)   .... 1
Fences   1
Fishing-boats     1
Foundries     4
Freight-cars  1
Garages       34
Knives in pan on stove ignited   1
Lamp explosion  6
Lamp upset     9
Lantern  upset  1
Lightning  4
Live coals  ,  8
Match  carelessness  16
Matches, children with    16
Matches,  mice  with  1
Mattress too near stove  2
Oil-stove  explosion   —  3
Paper from stove  1
Short  circuit  3
Smokers' carelessness  40
Sparks from acetylene blow-torch   1
Sparks from burning rubbish  3
Sparks from bush fire  10
Sparks from chimney  190
Sparks from fireplace   35
Sparks from grass fire  1
Sparks from mill burner  :.  1
Sparks from stove or stove-pipe  41
Spontaneous combustion  7
Stove explosion  5
Stove or stove-pipe insufficiently protected .... 64
Tar boiling over  5
Thawing pipes  5
Unknown  86
Wax melting in oven caught fire —  1
Wood too  near furnace   3
Wood too near stove  4
Friction in drying-oven  1
Short  circuit  1
Electrical appliances  1
Unknown     -  1
Sparks from engine  1
Furnace insufficiently protected -  1
Tar boiling over  1
Unknown  1
Hot saw ignited tempering-oil  1
Unknown  1
Defective  wTiring  1
Defective   stove  1
Spontaneous combustion  1
Ashes  against wood -  1
Unknown  1
Defective chimney —  1
Hot metal from cupola ignited frames   1
Sparks from boiler  1
Sparks from oven  1
Unknown  1
Ashes against wood  2
Carburettor back-firing  1
Defective  wiring    1
Electrical  appliances       2
Exposure  5
Fire-crackers  1
Gas left turned on vulcanizing-machine   1
Gasolene carelessness  1
Incendiary  1
Lighted torch left in garage   1
Short circuit  4
$ 11
24,442
15,135
15
145
3,495
6,310
7,623
30
123
4,256
15
7,810
8,074
26
3,075
23.934
105.812
2,547
75
59
28,343
1,947
5,687
61,056
1.620
1,827
179,066
16
222
7,508
260
541
10
245
669
71
40
4,500
150
185
1,966
2
525
15
3,000
500
3,734
857,167
977
9,900
801
35
1,822
1,386
i245
11,101
1,444
33,750
772
2,013
10
950
995
377 K 40
British Columbia.
1924
TABLE IV.—CLASSIFICATION OP' PROPERTY BURNED AND CAUSES— Continued.
Property.
Causes.
Amount of Loss.
1
Smokers' carelessness  	
Sparks from burning rubbish 	
Sparks from chimney  ...;	
          2
1
          1
3
$
$
$
$
$
$
$
$
:
$
$
$
350
100
1.216
6,555
2,100
4,754
Thawing pipes 	
          1
6
Unknown	
          1
29,692
450
         1
9
1
43,000
Sparks from boiler	
          1
75
616
1
1
Unknow7n    	
          1
691
4,441
Hospitals 	
          3
35
Sparks from chimney  	
          2
1
8,943
9
Defective chimnev 	
          2
8,952
Hotels
9,500
17,1)00
140
359
12
135
50
1,759
1,859
5,025
49
21.503
1
Defective fireplace 	
          1
1
1
Electrical appliances	
Incendiary   	
Lamp  upset	
          1
          1
          1
1
Smokers' carelessness 	
Sparks from chimney	
Sparks from stove	
        19
          2
          1
4
Unknowm   	
          1
57,391
45
Ice-houses   	
          2
          7
3
Matches, children with  	
          1
1
750
1,000
Engine back-firing	
          1
1,750
2
400
100
3,500
4,220
Gasolene carelessness	
Short   circuit    	
Sparks from engine	
Unknown    	
2
          1
          1
2
          1
8,222
.!5
25
10
        24
Sparks from chimney  	
Sparks from smoke-stack  	
Smokers' carelessness	
          1
          1
          4
          4
50
14,531
35,358
16,656
120,072
8
          5
Unknown    	
Exposure     :	
        11
          1
186,617
15,395
19,885
2,750
89,620
400
562
!53,041
1
Short   circuit 	
Sparks from boiler 	
Sparks from burner	
Sparks from  engine 	
Sparks from motor	
Unknown 	
Sparks from burning rubbish  	
         2
         1
         1
         1
         1
1
         1
1
381,653
40
2
102
180
4
1
Defective boiler	
         1
         1
282
Machine-shops,   	
13,100
4,500
100
86,278
Sparks from forge	
         1
1
103,978 14 Geo. 5
Report of Fire Marshal.
K 41
TABLE IV.—CLASSIFICATION  OF PROPERTY BURNED AND  CAUSES—Continued,
Property.
Causes.
Amount of Los
Metal-products plant
Mining property	
Motor-cycles
Offices
Oil warehouses ....
Orphanages 	
Planing-mills   	
Pool-rooms   	
Power-houses   	
Printing-offices  ....
Pulp-mills  	
Pumping-stations
Restaurants   	
Restaurants  and pool-rooms
Roofing plants	
Rooming-houses   	
Sail-boats
Sawmills   .
Schools
10
Scows
Stove  insufficiently protected    1
Incendiary  1
.Match  carelessness  1
Sparks from bush fire  1
Unknown  2
Carburettor back-firing  • 1
Exposure   — 1
Exposure  2
Short circuit     1
Smokers' carelessness  1
Sparks from chimney   1
Overheating of electric radiator   1
Short circuit     1
Unknown  1
Sparks from furnace  1
Smokers' carelessness     1
Oil-switch explosion  1
Spontaneous combustion     1
Superheated steam  1
Unknown    1
Lightning  1
Defective oil-supply pipe  1
Electrical appliances  1
Smokers' carelessness  1
Stove or stove-pipe insufficiently protected .... 1
Thawing pipes     1
Unknown  1
Matches, mice with  1
Saturating-tank overflowed  1
Defective chimney  1
Electrical appliances  1
Exposure  1
Smokers' carelessness    - - -     '    7
Sparks from chimney  „.  3
Unknown  2
Unknown  1
Overheating of bearing  1
Overheating of drj'-kiln  1
Short circuit  1
Sparks from burning rubbish  2
Sparks from bush fire  1
Sparks from Dutch oven   1
Sparks from engine  2
Sparks from furnace  1
Sparks from mill burner    1
Sparks from smoke-stack  1
Unknown  11
Boiler insufficiently protected  1
Defective chimney   1
Incendiary  4
Lightning  1
Match  carelessness    1
Matches, mice with  1
Sparks from chimney  1
Tar boiling over    1
4,300
3,166
41,325
11,426
25
266
1,015
50
12
100
100
342
254
713
335
16
31
75
5,647
250
160
1,400
333
23
475
$250,000
9,872
17,951
10,000
1,000
2,157
10,500
60,911
131,000
36,038
198,263
$ 20
600
11,950
1,521
1,650
850
3
10
60.217
291
1,083
200
269
380
1
1,283
596
353
6,817
2,700
25
2.641
200
727,692
16,594
15 K 42
British Columbia.
1924
TABLE IV.—CLASSIFICATION OF PROPERTY BURNED AND  CAiTJSES—Continued.
Property.
Causes.
Amount of Loss.
Sheds
Shingle-mills
Shook-mills   1
Slaughter-houses  1
Snow-ploughs      1
Stables  10
Storehouses
Store-rooms
Stores
Stores and apartments
53
16
Ashes against wood  2
Exposure      4
Match  carelessness    3
Matches,  children  with  1
Smokers' carelessness  2
Spontaneous   combustion       1
Unknowm  3
Defective  furnace  1
Defective  wiring  1
Exposure  1
Hot box  1
Incendiary  1
Overheating of dry-kiln   2
Overheating of machinery bearings   1
Short  circuit    1
Sparks from boiler   1
Sparks  from  burner  1
Sparks from conveyor    1
Sparks from furnace   1
Sparks from mill burner  2
Unknown      7
Unknow7n  1
Defective   wiring    1
Unknown      1
Exposure      2
Lamp explosion    1
Matches,   children   with  1
Smokers' carelessness   2
Spontaneous   combustion     2
Unknown  2
Ashes against wood  1
Matches, children with   1
Sparks from chimney — 1
Spontaneous combustion  1
Exposure  1
Sparks from chimney   1
Defective   chimney     1
Defective   stove  1
Defective  wiring 1
Electrical appliances  - -    1
Exposure  13
Gasolene carelessness   2
Grease on stove    1
Incendiary  3
Match  carelessness      4
Oil-stove  explosion  2
Rubbish around stove   1
Smokers' carelessness     10
Sparks from chimney  1
Spontaneous combustion  1
Stove or stove-pipe insufficiently protected .... 3
Tar boiling over    2
Unknown   6
Curtains from stove     1
Defective chimney  1
Defective oven  1
Electrical appliances  1
Exposure   1
Live coals     1
:,367
530
100
,440
40
!,825
$    4,
8,
12,
13
8,
58,
1
12
11
14
1
188
750
400
000
000
400
071
236
000
000
571
,295
,574
790
,656
200
500
200
365
875
506
!.700
300
600
350
10
56
4,700
750
84,079
33,660
169
10
5,146
3,320
207
5.500
2,262
75
50
395
15.525
17,823
24
400
34
14
3
10
7,387
334.
116
74 S
825
449
400
10.646
:,602
360
173,727 14 Geo. 5
Beport of Fire Marshal.
K 43
TABLE IV—CLASSIFICATION  OF PBOPERTY BURNED AND  CAUSES—Continued.
Property.
Causes.
Amount of Loss.
21
1
3
1
8
5
2
2
32
4
1
Matches, mice with 	
Smokers' carelessness 	
Sparks from stove or stove-pipe	
1
1
2
2
1
3
2
1
2
1
1
1
1
3
1
1
3
2
2
1
2
1
1
1
1
1
1
1
1
2
1
2
2
1
1
1
1
1
1
1
1
1
1
3
1
1
13
2
1
1
1
3
1
3
1
$
$
95
26
81
317
75
333
    $
1,393
4,000
5,075
400
12,604
40
55
820
46
306
7,264
6,941
2,850
Thawing pipes 	
1,412
Defective  stove-pipe	
Lamp upset	
Match  carelessness	
Matches, children with	
Smokers' carelessness	
Sparks from chimney   	
Sparks from fireplace	
Sparks from stove or stove-pipe 	
Spontaneous combustion   	
Stove or stove-pipe insufficiently protected ....
41,794
11,000
$
$
$
$
$
?
$
Smokers' carelessness 	
87
452
Defective chimney 	
539
4,400
2,654
54
75
20
195
2,699
2,332
Smokers' carelessness 	
Spontaneous   combustion     	
Defective chimney	
Smokers' carelessness	
Unknown   	
8,029
Stores, offices, and rooms ....
2,145
79
19
2,243
168
163
Coal-gas explosion	
Coal-oil carelessness	
Ashes against wood 	
Clothes too near stove	
331
78
Stores and restaurants 	
18
60
250
2,953
100
48,658
100
70
11,235
82
239 '
011
20
55
588
25
8,990
3
42
Defective  stove   	
Gas-plate insufficiently protected	
Rubbish around furnace 	
Smokers' carelessness  '..
Sparks from chimney	
Spontaneous combustion   	
Stove or stove-pipe insufficiently protected ....
Thawing pipes 	
Unknown      	
Street-cars ,	
73,976
Sparks from mill burner	
45
50
Tanneries	 K 44
British Columbia.
1924
TABLE IV.—CLASSIFICATION OF PEOPEBTY BURNED AND CAUSES—Continued.
Property.
Causes.
Amount of Loss.
o
Coal-gas explosion	
Smokers'  carelessness 	
          1
          1
$        555
5,449
8,105
     i
Unknown    	
                  1
Smokers' carelessness	
          1
1
$      14,109
8,855
3
Theatres and
Undertaking
rooms 	
parlours
and
         1
Candle carelessness	
1
          1
$        205
1
7,277
316
2,150
250
281,275
1,707
60
9
5,361
         1
          1
Defective  wiring  	
          1
1
Oil-stove  explosion	
Smokers' carelessness	
Sparks from furnace	
1
          3
1
          2
Thawing pipes	
Unknow7n	
          1
          1
Exposure	
          1
1,549
298,611
800
s ,   .  	
1,549
Total
$4,229,917
TABLE V.—SUMMARY.
FlEES   EBPOBTED.
■"•-CM
O a^-
n£
i <o
yir-i.
HH  ;/;
££
Si
AMOUNT   OF   LOSS.
SO
1923.
January	
February	
March 	
April	
May	
June	
July 	
August	
September	
October	
November	
December	
Totals, 1923
Totals, 1922
Totals, 1921
Totals, 1920
Totals, 1919
64
95
81
93
62
65
79
59
63
85
56
57
859
934
844
787
853
33
35
36
29
32
27
28
31
30
27
38
26
372
388
304
219
204
4.277
1,487
20
18
26
39
23
23
26
29
36
22
19
19
300 |
348 I
210 I
176 I
164
121
151
143
161
110
116
137
119
129
136
115
102
1,549
1,689
1,358
1,182
1,221
1,198 | 37 | 6,999
I   I
136,755
71,396
23,579
108,468
57,875
61,325
50,083
675,597
43,044
236,563 |
69,664
82,256
$1,617,505
1,297,245
861,251
1.083,532
1,013,890
43,606
37,308
207,441
119,342
63,836
50,028
23,318
69,389
67,304
24,397
344,120
69,958
$  44.
51.
61.
89,
173,
125,
176,
152,
217,
53,
50,
257,
011
718
296
,683
,804
433
,276
977
450
616
314
,733
$1,120,047
750,346
595,367
644,551
413.266
$1,454,
1,177,
886,
907,
500.
311
564
350
449
736
4,481
3,450
5,241
1,070
18,685
4,750
377
228,853
163,872
292,316
317,493
300,756
237,856
269,262
897,963
327,798
319,326
464,475
409,947
$38,054
27,213
4,229,917
3,252,368
2,342,968
2,635,532
1,927,892
$5,873,423 j. $3,523,577
$4,926,410 | $65,267
$14,388,677 14 Geo. 5
Beport of Fire Marshal.
K 45
TABLE VI.—LOSS OF LIFE, 1919-23.
Occupancy.
Cause of Fire.
Loss of Life.
Adults.
Children.
1
2
1
1
6
2
1
Totals	
5
8
10
12
2
9
Totals, 1922	
2
Totals, 1921	
1
Totals, 1920	
1
Totals, 1919	  INDEX.
ANNUAL STATEMENTS.
Page.
British Columbia Plate Glass Insurance Co  7
Boyal Plate Glass Insurance Co. of Canada  S
Wawanesa Mutual Insurance Co 10
Western Empire Life Assurance Co  11
TABLES.
Fire Insurance—
Companies licensed, List of December 31st, 1923  -  14
Companies admitted during 1923  -  5
Companies which withdrew, 1923   5
Premiums and Losses  (net), 1923   19
Summary for 1919-23  21
Life Insurance—
Companies licensed, List of December 31st, 1923  17
Premiums, etc., 1923  23
Summary, 1919-23  24
Miscellaneous Insurance—
Companies licensed, List of December 31st, 1923  17
Companies admitted. 1923   5
Companies which withdrew, 1923   6
Provincial Licensees, Assets, Liabilities, etc  27
Premiums and Losses, 1923  25
Summary for 1919-23   24
Investments in British Columbia—
Life Companies   23
Other Companies  22
Fire Marshal's Beport  29
TICTORIA,   B.C.:
Printed by Charles F. Banfield, Printer to the King's Most Excellent Majesty.
1924. yy.:y    .;.:■:-... .,■'.:>
, .y-y^yr^-y^yryyyiyirymm^-m-m
Width of roadway, 14 feet 8 inches clear
Columbia River Bridge, Revelstoke, builtj
width of sidewalk, 5 feet clear.    Asphaltic concrete wearing surface
of steel in superstructure, 665 tons,    Main cylinder piers
in 1923-24.    Two 212-foot steel-truss spans, four 154-foot steel-truss spans, and trestle approaches ; total length, 1,140 feet.
|on 2- by 16-inch timber floor.    Substructure all concrete and steel.    Total yardage of concrete in substructure, 3,010 cubic yards ; total steel in cylinders and reinforcement, 180 tons ; total weight
are 108 feet high over all and are 70 feet below low water and 60 feet below bed of river.    Old timber bridge in background erected in 1910,

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