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FOURTEENTH ANNUAL REPORT OF THE SUPERINTENDENT OF INSURANCE FOR THE PROVINCE OF BRITISH COLUMBIA 1925… British Columbia. Legislative Assembly 1925

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Full Text

 FOURTEENTH ANNUAL REPORT
OF   THE
SUPERINTENDENT OF INSURANCE
FOR   THE
PROVINCE OF BRITISH COLUMBIA
1925
(BUSINESS TRANSACTED IN 1924)
PRINTED   BY
AUTHORITY OF THE  LEGISLATIVE ASSEMBLY.
VICTORIA,   B.C. :
Printed by Chaki.es  F.   Banfield,  Printer to  the King's  Most Excellent  Majesty.
1925.
  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 Fourteenth Annual Eeport of
the Superintendent of Insurance for the year ended December 31st, 1924.
Victoria, B.C., July 2nd, 1925.
A. M. MANSON,
A ttorney- General.
  REPORT OF THE
SUPERINTENDENT OF INSURANCE
Department of Insurance,
Votobia, B.C., July 2nd, 1025.
The Honourable A. M. Manson,
Attorney-General, Victoria, B.C.
Sir,—The Fourteenth Annual Report of the Department, covering the year ended December
31st, 1924, is hereby submitted in accordance with the " Fire Insurance Act," " Insurance Act,"
and " Insurance Agents' Licensing Act."
I. "FIRE INSURANCE ACT."
At the end of the year 1024 there were 154 companies licensed to transact Are insurance
under this Act, five new companies having been licensed as follows:—
Canadian.—Toronto Casualty Fire & Marine Insurance Company.
British.—London & Provincial Marine & General Insurance Company, Limited; The World
Marine & General Insurance Company, Limited.
United States.—Grain Dealers National Mutual Fire Insurance Company; Mill Owners
Mutual Fire Insurance Company of Des Moines.
The origin of the various companies, a complete list, licensed as at December 31st, 1924,
of which will be found on pages 17-19, is as follows:—
Dominion of Canada      31
Provinces of Canada       S
Great Britain       50
Australia         2
Hong Kong       3
United States     55
France       4
Switzerland      1
Total   154
A list of the Underwriters' Agencies, twenty in number, licensed in this Province will also
be found on pages 19 and 20.
II. "INSURANCE ACT."
There were licensed under this Act at the end of 1024 159 companies writing various classes
of insurance.
Three Canadian, two British, one Australian, two United States, and one Swiss companies
were added to the list, making a total of nine new companies licensed for the year 1924. These
companies were as follows:—
Canadian.—Ontario Equitable Life and Accident Insurance Company; Pacific Coast Fire
Insurance Company; Toronto Casualty Fire & Marine Insurance Company.
British.—General Accident Fire & Life Assurance Corporation, Limited; Liverpool & London
& Globe Insurance Company, Limited.
Australian.—The Mutual Life and Citizens' Assurance Company, Limited.
United States.—Agricultural Insurance Company; United Merchants & Shippers Insurance
Company.
Switzerland.—Zurich General Accident and Liability Insurance Company, Limited.
Seventeen supplementary licences were granted during the year to companies already licensed
under the Act.
The following companies changed their names during the year: General Animals Insurance
Company of Canada changed its name to the Canadian General Insurance Company; The
Imperial Underwriters Corporation of Canada is now known as the Imperial Insurance Office;
 L 6
British Columbia.
1925
and The Travellers Life Assurance Company of Canada became the Montreal Life Insurance
Company.
The United States Lloyds, Inc., licensed to write marine insurance, merged with the Merchants & Shippers Insurance Company and was licensed under the title of the United Merchants
& Shippers Insurance Company.
A complete list of the companies licensed as at December 31st, 1924, is printed on page
21, and the origin of the various companies is as follows:—
Summary.
Where incorporated.
Dominion
Licensees.
Provincial
Licensees.
Total.
46
2
36
2
2
1
51
2
3
10
2
2
2
46
5
46
2
4
1
53
Totals   	
140
19
159
Tables showing life and miscellaneous insurance business transacted during the year will
be found on pages 27 and 29.
III. " INSURANCE AGENTS' LICENSING ACT."
The " Insurance Agents' Licensing Act" is now beginning to show results and the elimination
of those who are ineligible to act as agents is now being recognized. According to the records
of this Department during the year 1924 there were licensed 1,185 life-insurance agents, 1,390
fire and miscellaneous insurance agents, and 19 adjusters.
In October last year the Superintendents of Insurance for the Provinces of Canada held
a conference in Toronto, when the Provinces of Ontario, Quebec, Manitoba, Saskatchewan, and
Alberta, in addition to British Columbia, were represented. At the conference the question of
central deposits and the licensing of reciprocals was gone into thoroughly, as well as the question
of the so-called " Assessment Clubs." Some very fine arguments were brought forward from
various angles relative to these questions, and I have no doubt, at the coming conference of the
Superintendents, which is to be held in the City of Winnipeg in September next, these matters
will again receive attention.
At the 1924 session of our Legislature the " Uniform Fire Insurance Policy Act" was
passed, the same to be brought into force upon proclamation.
I have the honour to be,
Sir,
Your obedient servant,
J. P. DOUGHERTY,
Superintendent of Insurance.
 15 Geo. 5 Report of the Superintendent of Insurance.
APPENDIX.
Annual Statements of Provincial Licensees for the Year ended
December 31st, 1924.
BRITISH COLUMBIA PLATE GLASS INSURANCE COMPANY.
Head Office—Vancouver, B.C.
Directors.
Walter E. Graveley. W. J. Albutt.
F. M. Chaldecott. H. W. Chamberlain.
A. F. Beasley.
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       5,760
Statement for the Year endeu December 31st, 1924.
Assets.
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc. $51,024 55
Cash on deposit to the Company's credit and not drawn against on December 31st, 1924     2,171 15
Agents' balances and premiums uncollected (net commissions deducted)       8,438 91
Interest due or accrued and unpaid          471 89
Amount of all other assets       8,400 00
Total  assets  $70,506 50
Liabilities.
Total reserve of unearned premiums, $30,054.69; carried out at SO per cent, thereof  $24,043 75
Total amount of liabilities  $24,043 75
Capital stock paid up        5,760 00
Total of liabilities and paid-up capital   $29,803 75
Excess of assets over such total   $40,703 75
Receipts.
Net cash received for premiums   $26,558 13
Cash received for interest      2,565 20
Cash from all other sources         109 12
Total receipts   $29,232 45
 L 8
.British Columbia.
1925
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 expenses 	
Total expenses of management 	
Amount paid during the year for losses 	
Cash paid for dividends	
Cash paid for accrued interest	
Cash paid for debentures, mortgages, etc. (not extended), $6,505.88.
Total expenditure
$ 9,537 97
818 63
299 75
1,060 00
259 86
30 00
44 18
$12,050 39
10,210 62
1,440 00
76 90
$23,777 91
List of Shareholders.
Name.
Residence.
No. of
Amount
Amount
Shares.
subscribed.
paid.
43
$4,300
$2,580
15
1,500
900
1
100
60
1
100
60
7
700
420
5
500
300
2
200
120
5
500
300
5
500
300
1
100
60
1
100
60
5
500
300
2
200
120
1
100
60
2
200
120
W. J. Albutt 	
E. A. Albutt	
H. C. Ackroyd 	
Geo. Barnsley 	
A. F. Beasley 	
H.   Bell-Irving  	
Francis  I.  Blythe  .
F. M. Chaldecott ...
H.  W. Chamberlain
Eliza  Charleson 	
A. McC. Creery 	
W. E. Graveley ....
C. E. Hope	
Robt.   Martin   	
Jonathan  Rogers  ...
Vancouver
England....
Victoria....
Vancouver
Victoria....
Vancouver
9G
$9,600
$5,760
ONTARIO EQUITABLE LIFE AND ACCIDENT INSURANCE COMPANY.
Head Office—Waterloo, Ontario.
Directors.
S. C. Tweed. A. M. Featherstone.
H. W. Laird. Ed. Irwin.
.T. C. Breithaupt. W. E. Payne, K.C.
A. Bauer. A. W. Briggs, K.C.
J. A. Martin. A. E. Silverwood.
F. C. Biggs. J. A. Valentine.
M. W. Doherty. W. E. Long.
E. C. Mitchell.
M. J. Smith, Secretary.
Amount deposited with the Government of British Columbia: District of Burnaby 5-percent, bonds, $10,000; Canadian Northern Railway 4%-per-cent. stock, $17,250; Canadian North
Western Railway 4%-per-cent. stock, $5,937.33; total, $33,187.33.
Authorized capital   $2,000,000
Amount subscribed    1,703,410
Amount paid up        170,341
 15 Geo. 5 Eeport of the Superintendent of Insurance. L 9
Statement for the Year ended December 31st, 1924.
Assets.
Ledger—
Book value of real estate  :  $    62,133 80
Mortgage loans on real estate   181,878 77
Loans to policyholders   112,044 28
Advances to policyholders under automatic non-forfeiture provisions   36,383 78
Book value of bonds, debentures, etc  1,214,156 65
Cash at Head Office  58,841 54
All other ledger assets   20,742 95
Total ledger assets   $1,686,184 77
Non-ledger—
Interest and dividends due, $2,456.10; interest accrued   $ 28,178 96
Net premiums due and uncollected and deferred   111,871 44
Market value of bonds over book value   43,664 07
Total non-ledger assets   $  181,714 47
Total assets   $1,867,899 24
Liabilities.
Net liability under assurance, annuity, and supplementary contracts in force for
payment not due, dependent on life, disability, or any other contingency, or on
a term certain   $1,379,915 00
Net liability for payments due under contracts   11,195 00
Premiums received from policyholders in advance   3.395 92
Provincial, municipal, and other taxes due and accrued   8,626 00
Salaries, rents, and office expenses due and accrued   698 77
Medical examiners' fees due and accrued  '.  774 00
Commission to agents due and accrued   1,674 33
Borrowed money    165,000 00
Bank overdrafts  6,875 14
Balance due on bonds purchased   24,250 00
Agents'  commissions    2,500 00
Staff Savings Fund   1,513 00
Suspense Account  262 32
Premiums due on reinsurance   10,136 01
Total liabilities, except capital stock   $1,016,815 55
Capital stock paid up   170,341 00
Total of liabilities and paid-up capital   $1,787,156 55
Excess of assets over such total  $    80,742 69
Receipts.
Total net premium income and consideration for annuities   $   675,778 54
Interest and dividends   60,C27 82
Rents  6,161 05
Premium on stock   201,152 75
Miscellaneous  94 97"
Gross profit and sale of bonds   22,094 79
Total receipts   $  985,909 92
 L 10
British Columbia.
1925
Disbursements.
Total net disbursements in respect of assurance and annuity contracts   $   125,233 16
Taxes, licences, and fees          10,185 99
Head Office expenses:   Salaries, $53,414.69; directors' fees, $1,421; auditors' fees,
$1,023.75; travelling expenses, $3,242.3S; and rents, $4,027          63,12S 82
Branch office and agency expenses: First year, $94,858.71; renewal, $65,970.01;
salaries, $10,167.77;  travelling expenses, $5,966.86; rents, $14,898.86; Agency
Convention, $499.15 ; miscellaneous, $349.76       192,717 12
All other expenses: Advertising, $9,170.20; books and periodicals, $1,101.60; express telegrams and telephones, $2,236.33; legal fees, $2,694.47; medical fees,
$6,491.30; office supplies, $1,052.93; postage, $6,091.61; printing and stationery,
$16,146.27; investment expenses, $934.82 ; fire insurance, $204.91; life extension,
$251; investigation of claims, $73.90; revenue-stamps, $1,033.95; miscellaneous,
$7,988.65         55,561 94
Commission on sale of stock          57,488 00
Total disbursements   $   504.215 03
Returns for British Columbia.
Deposit with Government:   District of Burnaby 5-per-cent. bonds, $10,000; Canadian Northern Railway 41/2-per-cent. stock, $17,250; Canadian North Western
Railway 4%-per-cent. stock, $5,937.33   $    33,187 33
Other assets   79,520 00
Liabilities   11,533 00
Policies become claims   169 53
Claims paid   169 53
Amount at risk   535,500 00
ROYAL PLATE  GLASS INSURANCE  COMPANY.
Head Office—Vancouver, B.C.
Directors.
J. P. Nicolls. C. A. Wickens.
C. H. Macaulay. R. M. Maitland.
A. P. Bogardus. . B. C. Grant.
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, 1924.
Assets.
Cash value of mortgages, exclusive of interest  $ 8,550 00
Cash value (excluding interest and dividends) of stock, shares, bonds, etc  7,056 00
Cash on deposit to the Company's credit and not drawn against on December 31st, 1924 1,677 00
Agents' balances and premiums uncollected (net commissions deducted)    1,037 73
Interest due or accrued and unpaid   110 08
Commissions on premiums paid in advance   1,234 42
Total assets  :  $19,665 23
 15 Geo. 5
Eeport of the Superintendent of Insurance.
L 11
Liabilities.
Claims or losses adjusted, remaining unpaid
Reserve of unearned premiums 	
Amount of all other liabilities 	
Total amount of liabilities
Capital stock paid up 	
Total of liabilities and paid-up capital
Excess of assets over such total 	
-Receipts.
Cash received for premiums 	
Cash received for interest	
Cash received for debentures, etc.  (not extended), $100.
Total receipts	
Expenditure.
Cash paid to agents for commission, salaries, etc	
for investigation and adjustment of claims
„    statutory assessment and licence fees ..
„   taxes 	
„   salaries, directors' and auditors' fees ....
„   postage, telegrams, and express 	
Total expenses of management 	
Amount paid for losses occurring prior to 1924 	
Amount paid for losses occurring during the year 	
Cash paid for debentures, mortgages, etc. (not extended), $2,500.
Total expenditure 	
$ 265
41
3,527
39
27 32
$ 3.820 12
2,750 00
$ 6.570
12
$13,095
11
$ 3,769 42
1,051
81
$ 4,821
23
$ 1,553
71
20
00
100 00
31
73
335
00
2
23
$ 2,042 67
308
74
1,488
16
$ 3,837
57
List of Shareholders.
Name.
Residence.
No. of
Shares.
.Amount
subscribed.
Amount
paid.
C. A. Wickens
J. P. Nicolls ....
I.   Douglas   	
Mary Douglas
R. D. Douglas
N. S. Douglas ..
A. P. Bogardus
J. P. Nicolls ....
C. H. Macaulay
R. M. Maitland
B. C. Grant ....
Vancouver	
Boston, U.S.A	
Binghampton,   U.S.A.
Vancouver	
8
5
12
10
14
14
12
10
100
800
500
1,200
500
500
500
1,000
1,400
1,400
1,200
1,000
$10,0110
$ 220 00
137 50
330 00
137 50
137 50
137 50
275 00
385 00
385 00
330 00
275 00
$2,750 00
 L 12 British Columbia. 1925
TORONTO CASUALTY FIRE AND MARINE INSURANCE COMPANY.
Head Office—Toronto, Ontario.
Directors.
C. H. Ackerman. J. O. Lintean.
J. T. Brannd. M. A. Mackenzie
A. E. Dawson. R. P. Parker.
W. W. Evans. T. H. Pratt.
Forbes Godfrey. G. L. Smith.
Henry Knight. A. E. Wilson.
Geo. E. Weidner, Assistant Secretary.
Amount deposited with the  Government of  British  Columbia:   Hydro-electric 4-per-cent.
bonds, $6,000; Province of Ontario 5-per-cent. bonds, $21,000; total, $27,000.
Authorized capital  .•  $1,000,000
Amount subscribed     1,000.000
Amount paid up        160,655
Statement for the Year ended December 31st, 1924.
Assets.
Mortgage loans on real estate  '.. $    4,000 00
Amount of loans secured by bonds, stocks, etc  185 29
Book value of bonds, debentures, etc  304,638 93
Book value of stocks owned by the Company (not extended), $32,085.37.
Cash in banks   39,475 80
Interest and dividends accrued   3,440 41
Agents' balances and premiums uncollected, written on or after October 1st, 1924,
$55,700.81; written prior to October 1st, 1924, $2,889.70 (not extended)    55,700 81
Amount due for reinsurance on losses already paid   541 20'
Plans, $3,877.58; furniture and fixtures, $10,130.45  (not extended).
Market value of real estate, bonds, stocks, etc., over or under book value   $    8,160 98
Balances due from unlicensed companies   2,890 46
Total  assets    $419,033 88
Liabilities.
Total provision for unpaid claims  $ 32,534 .81
Total net reserve, $211,199.00; carried out at .SO per cent, thereof     168,960 04
Taxes due and accrued         5,275 30
Reinsurance premiums         19,742 27
Total liabilities  $226,512 42
Capital stock paid up     160,655 00
Total of liabilities and paid-up capital   $387,107 42
Excess of assets over such total   $ 31,866 46
Profit and Loss Account.
Losses incurred  (including adjustment expenses)    $189,733 35
Expenses  incurred       186,324 58
Reserve of unearned premiums at end of year     168,960 04'
Underwriting gain      13,385 35
$55S,403 35
 15 Geo. 5 Eeport of the Superintendent of Insurance. L 13
Bad debts written off   $      990 81
Increase in disallowed assets        37,104 S9
Dividends declared        7,219 00
Net gain during the year       32,889 97
$ 7S.204 67
Reserve of unearned premiums at the beginning of year  $142,697 71
Net premiums written      415,705 64
$558,403 35
Underwriting gain brought down  :  $ 13,385 38
Interest, dividends, and rents earned        12,475 36
Increase in paid capital stock       22,576 95
Premium received on capital stock       21,450 00
Gain in market value of investments         6,085 75
Profit on sale of investments         2,231 23
$ 78,204 67
...   1
Returns for British Columbia.
Deposit with Government  (par)     $ 27,000 00
Assets   30,315 90
Liabilities    11,012 12
Premiums received  ,  20,755 17
Losses incurred, net  i. 5,106 94
Losses paid, net   4,887 21
Amount at risk  758,082 00
THE WAWANESA MUTUAL FIRE INSURANCE COMPANY.
Head Office—Wawanesa, Man.
Directors.
S. H. Henderson. S. Reid.
E. H. Dewart. A. J. Elliott.
R. W. Wallace. G. H. Stephens.
Amount deposited with the Government of British Columbia: Grand Trunk Pacific 4-percent 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, 1924.
Assets.
Cash value of real estate, less encumbrances   $    15.987 42
Cash value of mortgages   32,737 93
Cash value of bonds, debentures, etc  347,134 80
Gash on hand at Head Office  7,701 24
Cash on deposit to the Company's credit and not drawn against  33,582 64
Cash in agents' hands acknowledged by them to be due  3,024 84
Amount unpaid of instalments or fixed payments on premium notes for 1924   6,489 25
Amount unpaid of assessments which were levied during 1924   161,812 09
Amount unpaid of assessments levied in prior years   39,365 28
Net premium note assets   1,170,653 09
 L 14
British Columbia.
1925
Amount of interest due or accrued and all other assets  $      9,008 25
Amount of office furniture and safe (not extended), $6,609.75.
Unexpired premiums on reinsurance          11,750 55
Total assets   $1,839,747 39
Liabilities.
Amount of losses supposed or reported   $    33,811 40
Amount required to reinsurance all outstanding risks taken on cash system, being
50 per cent, of gross premiums on all cash system policies in force at December
31st, 1924         128,451 62
Amount of all other liabilities         12,552 51
Total liabilities   $   174,815 53
Receipts.
Cash on hand at Head Office (not extended), $1,585.74.
Cash received by Company as fixed payments due in 1924 	
Cash received by Company as fixed payments due in prior years	
Cash received by Company for assessments levied in 1924	
Cash received by Company for assessments levied in years prior to 1924, viz.
(a.) Held by agents as their perquisites or commission 	
(6.)  Received at Head Office 	
Cash received for premiums on cash system 	
Cash received for sale of investments during 1924 (not extended), $125,535.12.
Cash received for interest during 1924 	
Cash received for reinsurance on losses	
Cash received from all other sources  -	
Total  receipts
Expenditure.
Cash paid for commissions or allowances of any kind to agents
law costs 	
fuel and light	
investigation and adjustment of claims 	
interest   	
statutory assessment and licence fees	
travelling expenses ....
taxes 	
salaries, directors' and auditors' fees 	
printing, stationery, and advertising 	
postage, telegrams, and express 	
other expenses 	
Total expenses of management 	
Cash paid for losses which occurred prior to 1924 	
losses which occurred during 1924 	
reinsurance 	
rebate, abatement, and returned premiums
repayment of loans 	
other expenditure 	
Total expenditure   $   774,000 85
9
10,519 79
2,127 77
585,932 33
16,792 69
72,547 72
88,225 68
19.916 44
13,987 01
584 25
9
810,633 66
9
65,683 41
5,229 43
656 44
26,768 95
11,441 54"
7,372 65
980 08
211 47
39,111 63
8,113 41
10,041 22
1,921 22
9
177,531 45
113,161 36
442,723 03
13,125 25
7,966 58
16,915 82
2,577 36
9
774,000 85
 15 Geo. 5             Eeport of the Superintendent of Insurance; L 15
Returns for British Columbia.
Deposit with Government: Grand Trunk Pacific 4-per-cent. bonds, $22,386.66; Canada National Railway 4-per-cent. stock, $8,176 (par)   $    30,562 66
Other assets, balance in agents' hands   97 00
Liabilities:   Unpaid losses, $4,420.25; unearned premiums, $5,619.79.
Premium notes at 2 per cent  71,338 82
Gross premiums received ou cash plan   1,193 47
Gross premiums received on assessment plan   17,950 90
Losses incurred, net   24,974 81
Losses paid, net   34,041 90
Net amount at risk      3,566,941 00
THE WESTERN EMPIRE LIFE ASSURANCE COMPANY.
Head Office—Winnipeg, Manitoba.
.Directors.
William Smith. William Hudson.
R. W. Craig. G. N. Broatch.
Dr. A. M. Campbell. F. D. Byers.
Brig.-Gen. H. M. Dyer. S. D. Hannah.
F. C. O'Brien, Secretary.
Amount deposited with the Government of British Columbia:   Pacific Great Eastern Railway 4%-per-cent. stock, £6,800.
Authorized capital   $1,000,000
Amount subscribed     1,000,000
Amount paid up  *       222,039
Statement for the Year ended December 31st, 1924.
Ledger- AsseU-
Book value of real estate   $    15,319 CO
Amount of loans secured by bonds, stocks, etc  288,131 78
Loans to policyholders  126,.S71 86
Advances to policyholders under automatic non-forfeiture provisions   40,286 73
Book value of bonds, debentures, etc  2C0,125 53
Cash at Head Office  1.236 28
Cash in banks  24,519 31
All other ledger assets   37,785 48
Total ledger assets   $ 794.276 57
Non-ledger assets—
Interest due and accrued   $ 21,348 38
Net premiums due and uncollected and deferred   98,975 15
All other assets  4,825 44
Total non-ledger assets   $   125,148 95
Total assets ....■  $  919.425 52
Liabilities.
Net liability under assurance, annuity, and supplementary contracts in force for
payments not due, dependent on life, disability, or any other contingency, or
on a term certain   $   677,944 00
Net liability for payments due under contracts   7,245 38
 L 16
British Columbia.
1925
Received from policyholders in advance   $      2,448 70
Borrowed money  27,000 00
All other liabilities due and accrued   5,360 47
Total  liabilities    $   719,998 55
Capital stock paid up   222,039 00
Total of liabilities and paid-up capital  $   942,037 55
Excess of liabilities over assets   $    22,612 03
Receipts.
Consideration for supplementary contracts   $   173.<?42 13
Interest and dividends   42.3C2 0T
Advances made to agents in previous years and recovered during the year   1,893 32
Income from all other sources   103,933 87
Total income   $  322,031 39
Disbursements.
Total net disbursements in respect of assurance and annuity contracts   $       6,673 15
Net payments on supplementary contracts   18.S63 90
Amount left with the Company and interest accumulations withdrawn  2,491 29
Interest or dividends to shareholders   15,000 00
Ta.xes, licences, and fees  6,823 88
Head Office expenses :   Salaries, $23,031; directors' fees, $145; auditors' fees, $400;
travelling expenses, $926.50; and rents, $3,379   47,691 01
All other expenses:   Advertising,  $4,799.61;  express,  telegrams,  and  telephones,
$432.30; legal fees, $1,386.43; medical fees, $3,890.50; postage, $1,203.69; and
appraisement expenses, $763   $    48,520 09
Total disbursements   9   146,063 32
Returns for British Columbia.
Deposit with Government, Pacific Great Eastern Railway stock  (market value).... $    30,321 54
Assets     81,129 17
Liabilities   69,661 CO
Premiums received   27.434 72
Losses incurred, net   4,184 50
Losses paid, net   4,1.84 CO
Amount at risk   1,130,958 00
 15 Geo. 5
Eeport of the Superintendent of Insurance.
L 17
LIST OF COMPANIES LICENSED UNDER THE " FIRE INSURANCE ACT."
Name of Company and Head Office.
Attorney to receive Process in British
Columbia.
(Corrected  to  July  1st,   1025.)
The Acadia Fire Insurance Company, Halifax, N.S	
Aetna Insurance Company, Hartford, Conn	
Agricultural Insurance Company, Watertown, N.Y	
Alliance .Assurance Company, Dimited, 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
.-itlas 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
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, R.I	
The Essex and Suffolk Equitable Insurance Society, Ltd., London,
England
Fidelity Phenix Fire Insurance Company, New 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 -	
Grain Dealers National Mutual Fire Insurance Company, Indianapolis, Indiana
Great -American Insurance Company, New York, N.Y	
Guardian Assurance Company, Limited, London, England	
The Guardian Insurance Company of Canada. Montreal, Que	
B\ 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. S. Matthew, Vancouver.
G.   H.   L.   Hobson,   Vancouver.
Waghorn, Gwynn & Co., Ltd., Vancouver.
E. C. Jahour, Vancouver.
F. W. Rounsefell, Vancouver.
Gordon   Gray,  Vancouver.
E. C. Jahour, Vancouver.
A.  S.  Matthew,  Vancouver.
J.  H.   Gillespie,   Victoria.
K. G. McCandless, Vancouver.
Victor W. Odium, 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.  II.  Macaulay,  Vancouver.
Thos. W. Greer, 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.
George W. Brown, Vancouver.
Frank Parsons, Vancouver.
I.  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.
E. C. Jahour, Vancouver.
C. D. J.  Christie,  Vancouver.
E. D. Todd. Victoria.
C. B. Stahlschmidt, Vancouver.
J. P. McLaren. Vancouver.
W. F. Sangster, Vancouver.
Alfred W.  McLeod,  Vancouver.
Robert Cram, Vancouver.
W. E. Martin, Vancouver.
A. S. Matthew, Vancouver.
A.  McC.  Creery.  Vancouver.
F. W. Rounsefell, Vancouver.
John H. Constantine, Vancouver.
S. Burke, Vancouver.
AV. S. Day, Vancouver.
R.  G. Heddle, Vancouver.
 L 18
British Columbia.
1925
LIST OF COMPANIES LICENSED UNDER THE " FIRE INSURANCE ACT "—Continued.
Name of Company and Head Office.
Attorney to receive Process in British
Columbia.
(Corrected to July 1st, 1925.)
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	
tThe Imperial Guarantee & -Accident Insurance Company of Canada,
Toronto, Ont.
The Imperial Insurance Office, 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	
tThe London & Lancashire Guarantee & Accident Company of
Canada, Toronto, Ont.
The London & Lancashire Insurance Company, Ltd., Liverpool, Eng.
London & Provincial Marine & General Insurance Company,
Limited, London, England
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	
Merchants Fire .Assurance Corporation of New York, N.Y	
The Merchants Marine Insurance Company, Limited, London,
England
Millers   National   Insurance   Company,   Chicago,   111	
Mill Owners Mutual Fire Insurance Company of Des Moines, Iowa
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.J	
New Hampshire Fire Insurance Co., Manchester, N.H	
New Jersey Insurance  Company,  Newark,   N.J	
Niagara Fire 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 Si Marine Insurance Company, St. Paul, Minn	
Scottish  Canadian xlssurance  Corporation,  Toronto,  Ont	
Scottish Metropolitan -Assurance Co., Ltd., Edinburgh, Scotland.
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.
H. A. Robertson, Vancouver.
A. W. Blake, Vancouver.
R.  C. nail, Victoria.
L. U. Conyers, Victoria.
A. W. Blake, Vancouver.
A. W. Blake, Vancouver.
J. H. Watson, Vancouver.
Harold B. Girdwood, Victoria.
R. C. Janion, Vancouver.
Frank Parsons, 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. 3.  Christie,   Vancouver.
John H. Constantine, Vancouver.
W.  W.  Johnston,  Vancouver.
Fred A.  Burgess,  Vancouver.
J. H. Johnston, Victoria.
H.   T.   Barnes,   Victoria.
George H. L. Hobson, Vancouver.
A. M.  English,  Vancouver.
E. E. Rand, Vancouver.
F. W. Walker, Vancouver.
Henry C. Macaulay, Vancouver.
II.  A.  Robertson,   Vancouver.
D. Leeming, Victoria.
J.  Edward  Sears, Vancouver.
H. R. Budd, Vancouver.
John   W.   Wilson,   Vancouver.
Rernard C. Mess, Victoria.
W.  W.  Johnston,  Vancouver.
J. H. Constantine, Vancouver.
W. B. Blane, Vancouver.
B. S. Heisterman, Victoria.
Charles S. Mann, Victoria.
W. B. Hickman, Vancouver.
Thos. W. Greer, Vancouver.
John   Anderson,   A'ancouver.
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.
S. C. Hopkins, A'ancouver.
Chas. V.  Wakely, Vancouver.
James H. Lawson, Vancouver.
F. W. Walker, Vancouver.
J.  II. Watson, Vancouver.
B. S. Heisterman, Victoria.
A. W. McLeod, Vancouver.
Lawrence W. Peel, Vancouver.
 15 Geo. 5
Eeport of the Superintendent of Insurance.
I, 19
LIST OF COMPANIES LICENSED UNDER THE " FIRE INSURANCE ACT "—Continued.
Name of Company and Head Office.
Attorney to receive Process in British
Columbia.
(Corrected to July 1st, 1925.)
Scottish Union & National Insurance Company, Edinburgh, Scotland
Security Insurance Company of New Haven, Conn	
Springfield Fire & Marine Insurance Company, Springfield, Mass	
The Sterling Fire Insurance Company of Indiana, U.S.A	
Stuyvesant Insurance Company, New York, N.Y	
Sun Insurance Office, London, England	
xToronto Casualty Fire & Marine Insurance Company, Toronto, Ont.
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 States Fire Insurance Company, New York, N.Y	
KT-he Wawanesa Mutual Insurance Co., Wawanesa, Alan	
Western Assurance Company, Toronto, Ont	
Westchester Fire Insurance Company, New York, N.Y	
The World Alarine & General Insurance Company, Limited, London,
England
The Yang-tsze Insurance Association, Limited, Shanghai, China...
The Yorkshire Insurance Company, Limited, York, England	
Pemberton & Son, Victoria.
Frank B. Lewis, Vancouver.
Chas. H. Macaulay, A'ancouver.
H. R. Budd, A'ancouver.
II. A. Robertson, Vancouver.
F, B. Pemberton, Victoria.
Douglas Armour, Vancouver.
W. W. Johnston, Vancouver.
Franco-Canadian Company, Limited,
Vancouver.
C. R. Elderton, A'ancouver.
C. H. Macaulay, Vancouver.
B. S. Brown, Vancouver.
H. A. Robertson, A'ancouver.
W. W. Kempton, Kempton, Lumby.
V.  W.  Odium, A'ancouver.
Alfred W. McLeod, New Westminster.
B. G. D. Phillips, Vancouver.
B. G. D. Phillips, Vancouver.
H. W. Dyson, Vancouver.
t Licence under  " B.C.  Fire Insurance Act"  limited  to  insurance  of  automobiles  against fire;   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  fire;    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 employers' 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.
11 Deposit:   Dominion War Loan bonds, $25,000.
x Deposit:   Government bonds, $25,000.
Note.—Licensed since December 31st, 1924,
British Law Insurance Company, Limited, London, England; C. W. Stoess, Vancouver.
The Casualty Company of Canada,  Toronto, Ont.; T. W. Greer, Vancouver.
Hardware Dealers Mutual Fire Insurance Company, Stevens Point, Wis. ; E. H. Hawkins, Vancouver.
London & Scottish Assurance Corporation,  Limited, London, England ; N. R. Bailey, A'ancouver.
Minnesota Implement Mutual Fire Insurance Company, Owatonna, Minn. *, E. tl. Hawkins, A'ancouver.
Retail  Hardware  Mutual  Fire  Insurance  Company, Minneapolis, Minn.; E. H. Hawkins, Vancouver.
The   " Rossia "   Reinsurance   Company,   Limited, Copenhagen, Denmark ; A.  S. Aiatthew, Vancouver.
The Sea Insurance Company, Limited,  Liverpool, England ; E. C. Jahour, Vancouver.
The World Fire and Marine Insurance Company, Hartford, Conn. ; A. E. Salsbury, Vancouver.
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.
 L 20 British Columbia. 1925
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."
L 21
Name of Company and Head Office.
jEtna Insurance Co.,  Hartford, Conn..
./Etna Life Insurance Co., Hartford, Conn	
Agricultural Insurance Company, Water-town, New York-
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 YorkjSt. 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	
Attorney to receive Process in British
Columbia.
(Corrected to July 1st, 1925.)
J.  E.  Kinsman,  Victoria-
John  F.  Brandt,  Vancouver..
J. J. Banfield, Vancouver	
W. Anderson and H. Miskin, Vancouver....
J.  H.  Harrison,  Vancouver..
C. V. Wakely, Vancouver	
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	
Canadian General Insurance Company, Toronto, Ont	
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 B'und Insurance Co., San Francisco, Cal..
Firemen's  Insurance   Co.  of Newark,   N.J	
General Accident Assurance Co. of Canada, Toronto, Ont..
General Accident Fire & Life Assurance Corporation, Limited, Perth, Scotland..
Glens Falls Insurance Co.,   Glens Falls. N.V	
D. W. Campbell, Victoria	
D. B. Campbell, Vancouver 	
F.   B.   Lewis,   Vancouver	
Robert   Bone,   Vancouver	
R. V. Winch & Co., Ltd., Vancouver..
E. C.   Jahour,   Vancouver	
F. W.  Rounsefell,  Vancouver	
B. G. D. Phillips, Vancouver
Head   Office,   Vancouver	
A. S. Matthew, Vancouver	
C. R. Elderton, Vancouver-
John Anderson, Vancouver..
R. G. McCuish, Vancouver..
■I. J. Banfield, Vancouver....
F.   C.  Paterson,  Victoria	
Douglas  Armour,   Vancouver..
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	
II.  R.  Glass,  Vancouver	
A. S. Matthew, Vancouver...
W.  A. Lawson, Vancouver..
James  Moss, A'ictoria	
W. B. Blane, Vancouver	
F.  R.  McD.   Russell,   Vancouver-
Frank Parsons, Vancouver	
John T. McCay, Vancouver..
I. C. Stuart, Vancouver	
R. J. Loewen and R. G. Harvey, Vancouver
Jas.  A. Young, Vancouver	
C. V. Wakely, Vancouver	
F. J. Gillespie, A'ancouver	
Seeley  &  Co.,  Vancouver	
Leslie H. Wright, Vancouver-
Arthur  Coles,  A'ictoria	
E. D. Todd, A'ictoria	
6. B. Stahlschmidt, A'ancouver..
W.  F. Sangster,  Vancouver	
iVlfred W. McLeod, Vancouver..
.\.   S.   Matthew,  Vancouver	
Description of Insurance Business for which Licensed.
(Corrected to July 1st, 1925.)
•Automobile, marine,  tornado,  inland transportation, hail, sprinkler leakage,
explosion  (including riot and civil commotion).
Life.
•Inland  transportation,   sprinkler  leakage,   automobile   (excluding  insurance
against loss by reason of bodily injury to the person).
•Marine,   accident,   sickness,   guarantee,   automobile,   burglary,   plate   glass,
limited explosion.
•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 and automobile.
•Hail,   ocean,   marine,   inland   marine,   inland   transportation,   automobile,
explosion,  tornado,   burglary,   guarantee,  plate  glass,   sprinkler  leakage,
accident, sickness, and lightning.
Marine, inland transportation, and sprinkler leakage.
Plate glass.
•Automobile   (excluding insurance against loss by reason  of bodily injury to
the person).
•Automobile, marine, sprinkler leakage, and tornado.
•Accident, sickness, plate glass, guarantee, burglary, and automobile.
Life.
•Automobile, sprinkler leakage, tornado, and limited explosion.
•Automobile, burglary, explosion, hail, guarantee, live stock, sprinkler leakage,
tornado, and plate glass.
Live stock, plate glass, and automobile.
Guarantee,   burglary,   plate   glass,   and   automobile,   accident,   sickness,   and
forgery.   (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.
•Limited explosion and automobile.
•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.
•Limited explosion, tornado, sprinkler leakage, and automobile.
Life.
•Accident, sickness, guarantee, burglary, automobile, plate glass, inland transportation, sprinkler leakage, and limited explosion.
Life.
•Accident,    guarantee,   sickness,    burglary,    plate   glass,    automobile,    steam
boiler, inland transportation and life.
•Marine and automobile   (limited to insurance against loss or  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, plate glass,
explosion, sprinkler leakage, tornado, and forgery.
•Automobile  (excluding insurance against loss by reason of bodily injury to
the person).
Life.
Accident, sickness, burglary, steam-boiler, guarantee, and plate-glass.
Guarantee, accident, automobile, burglary, plate glass, and sickness.
•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.
•Automobile, burglary, plate glass, employers' liability, tornado, hail, sprinkler
leakage, limited explosion, and sickness.
"Hail,   tornado,   automobile,  explosion   (including  riot   and   civil  commotion)
Globe & Rutgers Insurance Co., New York, N.Y..
A.  Mc C.  Creery,  Vancouver..
The Globe Indemnity Co. of Canada, Montreal, Que..
Great American Insurance Co., New York, N.Y	
F.   W.   Rounsefell,  Vancouver..
S.  Burke, Vancouver	
The Great West Life Assurance Co., Winnipeg, Man	
The Guarantee Company of North America, Montreal, Que..
The Guardian  Insurance Co. of Canada,  Montreal,  Que	
J. A.  Johnson,  Vancouver....
C.  A.  Holland,  A'ictoria	
W.  E. Graveley, Vancouver..
Hartford Accident and Indemnity Company, Hartford, Conn-
Hartford Fire Insurance Co., Hartford, Conn	
H.   R.  Budd,  Vancouver..
G. A.  Kirk, A'ictoria	
Home Insurance Co., New York, N.Y..
H. W. Dyson, A'ancouver..
Hudson Bay Insurance Company, Montreal, Quebec	
The Imperial Guarantee & -Accident Insurance Co. of Canada, Toronto, Ont..
Frederick W.  Walker, A'ancouver..
D. Cramer, Vancouver	
Imperial Insurance Office, Toronto, Ont	
The Imperial Life Assurance Co. of Canada, Toronto, Ont..
Insurance Company of North America, Philadelphia, Pa....
A.  Waring Giles, Vernon-
Stanley  Henderson,  Vaneouver..
.1. H. Harrison, Vancouver	
Insurance Company of the State of Pennsylvania, Philadelphia, Pa	
Law, Union & Rock  Insurance Co., Ltd.. London,  Eng	
Liverpool & London & Globe Insurance Company, Limited, Liverpool, England..
H.  A.  Robertson,  Vancouver..
A. W. Blake, Vancouver	
R. C. Hall, Victoria..
The Liverpool-Manitoba  Assurance  Company,  Jlontreal,  Que	
The London & Lancashire Guarantee & Accident Co. of Canada, Toronto, Ont..
L. U. Conyers, Victoria ....
A.   W.   Blake, - Vancouver..
The London & Lancashire Insurance Co., Ltd., Liverpool, England   A.   W.   Blake,  A'ancouver.
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..
R. V. Winch & Co., Ltd., Victoria-
Lawrence W. Peel, Vancouver	
R. V. Winch & Co., Ltd., Victoria..
R.  C.  Janion, Vancouver	
Frank Parsons, Vancouver..
The  London  Life Insurance  Co.,  London,  Ont W.   H.  Colclough,  Vancouver...
G. H. Grant, Vancouver	
J. H. Constantine, Vancouver-
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	
Montreal Life Insurance Company, Montreal, Que	
The Motor Union Insurance Company, Limited, London, Eng	
Mount Royal Assurance Company, Montreal, Quebec	
The Mutual Life and Citizens' Assurance Company, Limited, Sydney, Australia-
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	
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	
N. O. Haugh, Victoria  -	
R.  W. Harris. A'ancouver	
R. L. Reid, Vancouver	
W.  AV.  Johnston,   Vancouver	
Fred  A.  Burgess,  Vancouver	
F. R. McDonald Russell, A'ancouver..
W.   J.   Twiss,   A'ancouver	
W.   E.   Burns,  Vancouver	
H.   T.   Barnes,   Victoria	
National Life Assurance Co. of Canada, Toronto, Ont	
National   Provincial   Insurance  Co.,   Ltd.,  London,  Eng..
National  Surety  Co., New Y'ork,  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	
I. E.  Sears,  A'ancouver :	
Ellis  W.  Keenleyside, Vancouver	
II. R. Budd,  Vancouver	
R. V. Winch & Co., Ltd., Vancouver.
Stephen Raymer, Vancouver	
.1. H. Constantine, Vancouver	
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	
(2.)  Ontario Equitable Life and Accident Insurance Company, Waterloo, Ontario.
Pacific Coast Fire Insurance Company, Vancouver..-	
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	
Royal Insurance  Co.,  Ltd.,  Liverpool,  Eng	
(3.)  Royal 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 Company 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 Assurance Co. of Canada, Montreal, Que	
(4.)   Toronto Casualty, Fire & Marine Insurance Company, Toronto, Ontario..
The Travelers Indemnity Company, Hartford, Conn..
The  Travelers   Insurance   Co.,   Hartford,   Conn	
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 Fidelity & Guaranty Co.,  Baltimore, Md-
United States Fire Insurance Co., New York, N.Y	
United States Merchants & Shippers Insurance Company, New York, N.Y..
Western Assurance Company, Toronto, Ont	
The Western Casualty Company, Denver,  Col	
(5.)  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, Engine Yang-tsze Insurance Association, Ltd., Shanghai, China	
The Yorkshire Insurance Co., Ltd., York, Eng	
Zurich   General   Accident   and   Liability   Insurance   Company,   Limited,   Zurich,
Switzerland 	
Lindley   Crease,   Victoria	
F.   W.   Rounsefell,   Vancouver
H. N. Galer, A'ancouver 	
F. W. Walker, Vancouver	
Henry C. Macaulay, Vancouver
H.  A. Robertson,  A'ancouver	
M. H. Garwood, A'ancouver ..
\. S. Matthew, A'ancouver..
D.   Leeming,   Victoria	
W. B. Blane, Vancouver	
B.  S.  Heisterman, Victoria..
B.  S.  Heisterman, Victoria	
Chas. C. Mann, Victoria	
W.  B.  Hickman,  A'ancouver	
R. V. Winch & Co., Ltd., Victoria..
E. W. Leeson, Vancouver	
T. W. Greer, Vancouver	
John   Anderson,   Vancouver	
F. W.  Rounsefell,   Vancouver	
A. E. Haynes, Victoria	
I-I.  A.  Robertson,  Vancouver	
F. G. Bell, Vancouver	
S. W. Shepard, Vancouver	
Rithet Consolidated,  Limited, Victoria..
B. D. G. Phillips, A'ancouver	
S. C. Hopkins, Vancouver	
Rithet Consolidated, Limited, Victoria....
J. H. Lawson, Vancouver	
F. W.  Walker,  Vancouver	
Head   Office,   A'ancouver	
P..  S.   Heisterman,  Victoria	
Lawrence  W.   Peel,  Vancouver	
F. B. Pemberton, Victoria	
J. B. Love, A'ancouver	
R. L. Hunt, Vancouver	
James P. Collins, A'ancouver	
C.  Gardiner  Johnson,  Vancouver.
H.  R. Budd,   Vancouver	
F.  B.  Pemberton,  Victoria	
H. 0. Leach, A'ancouver	
Douglas Armour, Vancouver-
Robert S.  Lennie, A'ancouver..
Robert S. Lennie, A'ancouver..
Chas.  R.  Bishop,  Victoria	
C. R. Elderton, Vancouver....
C. H. Macaulay, Vancouver..
Viggo  F.  Laursen, A'ancouver..
Leslie  H.  Wright,  Vancouver..
H   A. Robertson, A'ancouver....
B.   G. D.   Phillips,  Vancouver..
V. AV.  Odium, A'ancouver	
W.  H.  Biegei, Vancouver	
A. AVhealler and R. Symes, A'ancouver.
C.  E.  Mahon,  Vancouver	
Alfred W. McLeod, New Westminster..
B. C.  Mess, Victoria	
B.   G.  D.   Phillips,  Vancouver..
H. W. Dyson,  Vancouver	
A. K. Henderson, Vancouver..
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, 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, and automobile (excluding insurance against loss by reason of bodily injury to the
person).
•Automobile, sprinkler leakage, hail, tornado, explosion (including riot and
civil commotion), burglary, property damage, inland transportation,
insurance against loss or damage by  rain  or flood, and marine.
•Limited explosion.
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.)
•Accident,   automobile,  guarantee,  sickness,   sprinkler  leakage,   tornado,  plate
glass, and limited explosion.
Life.
•Inland transportation, automobile (excluding injury to the person), marine,
and explosion (including riot and civil commotion).
•Inland marine and marine.
•Accident, sickness, burglary, plate glass, automobile, guarantee, sprinkler
leakage, tornado, and limited explosion.
•Accident, sickness, automobile, guarantee, burglary, plate glass, and inland
transportation.
•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), tornado, and sprinkler leakage.
•Marine,   accident,   automobile,   burglary,   guarantee,   plate   glass,   sickness,
sprinkler leakage, and limited explosion.
Life, accident, automobile, burglary, hail, plate glass, sprinkler leakage, and
limited explosion.
•Marine, automobile, inland marine, and inland transportation.
•Accident, sickness, guarantee, and burglary.
•Automobile.
L.ife.
_4Ccjident a1(j sickness.
•Automobile (excluding insurance against loss or damage by fire or theft),
plate glass, and accident.
Life.
•Inland transportation, automobile, marine, and inland marine.
Marine.
Accident, burglary, guarantee, plate glass, steam-boiler, sickness, forgery,
fly-wheel, sprinkler leakage, automobile (excluding insurance against loss
or damage by fire), and insurance against damage to property and liability for damage to the property or person of others caused by the
break-down of any electrical machinery.
•Accident (excluding employers' liability), sickness, and automobile.
•Automobile.
Life, accident, and sickness.
Life.
Life.
•Accident, automobile, and marine.    ' •
•Plate glass, and automobile.
Life.
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 limited explosion.
•Inland transportation,  and limited explosion.
•Automobile   (excluding  insurance  against  loss  by  reason  of injury  to   the
person)  and marine.
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,  limited explosion, sprinkler leakage, and tornado.
Life.
•Automobile, sprinkler leakage, hail, limited explosion, and tornado.
•Accident, sickness, guarantee, plate glass, automobile, and burglary.
Marine.
•Life.
•Automobile, sprinkler leakage, and limited explosion.
•Automobile.
•Life.
•Marine and automobile (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,  inland marine,  and plate
glass.
•Tornado, sprinkler leakage, and automobile.
Life.
Life.
Life.
Marine and inland transportation.
•Tornado and automobile.
•Automobile,   guarantee,   sickness,   accident,   plate   glass,   tornado,   sprinkler
leakage, and limited explosion.
Life.
•Accident,  automobile,  sickness,  inland marine,  ocean  marine,  inland transportation, guarantee, theft, burglary or robbery, plate glass, and insurance
against  loss  or  damage or  liability  or  loss  or  damage  to  persons  or
property arising from any accidental cause.
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, accident, and sickness.
•Automobile,  inland  transportation,  accident,  burglary,  plate glass,  sickness,
sprinkler leakage, tornado, and limited explosion.
•Marine,   automobile,   accident,   sickness,   inland   transportation,   limited   explosion, sprinkler leakage, and tornado.
•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, automobile,
forgery, and sprinkler leakage.
•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,  automobile,  burglary,  guarantee,  plate  glass,  sprinkler
leakage, accident, sickness, and lightning.
Accident and sickness.
Life.
Life.
•Explosion  (including riot and civil commotion)  and marine.
Marine,  accident,  automobile, burglary, explosion,  guarantee,  inland transportation, plate glass, sickness, sprinkler leakage.
Marine.
•Accident, sickness, plate glass, live stock, guarantee, burglary, sprinkler
leakage, automobile, and limited explosion.
Accident, automobile, burglary, plate glass, steam-boiler.
N.B.—" Limited explosion " means insurance against damage to property of any kind caused by the explosion of natural or other gas.
* 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.^.
(2.)   Securities, $26,000.
(3.)  Dominion AVar Loan Bonds, $5,000; Deposit Receipt Canadian Bank of Commerce, $1.20.
(4.)   Provincial Government Bonds, $25,000.
(5.)   P.G.E. Stock, £6,800.
Note.—Licensed since December 31st, 1924:—   n™;t„/i r~~inatm.
The British General Insurance Company, Limited, London, England; J. H. Gillespie, Victoria; tornado, sprinkler leakage, automobile, and limited explosion.
The Franklin Fire Insurance Company of Philadelphia, Pa.; J. P. Maclaren. Vancouver; marine, hail, tornado, sprinkler leakage, and automobile  (excluding insurance against loss by reason of
Home Assurance Company of Canada, Calgary, Alberta; A. F. Fisher, Vernon; accident and sickness (deposit of $20,000 under the Act).
Patriotic Assurance Company Limited, Dublin, Ireland ; R. V. Kentish Rankin, Vancouver ; sprinkler leakage and limited explosion.
Provincial Insurance Company, Limited, Bolton, England; W. B. Blane. Vancouver; tornado, sprinkler leakage, automobile, and limited explosion. . j „   ,*^ ™,M.„
Wo™IFire and Marineinsurance Company, Hartford, Conn.; A. E. Salsbury, Vancouver; automobile, sprinkler leakage, inland transportation, earthquake, and limited explosion.
 15 Geo. 5
Report op the Superintendent op Insurance.
L 23
TABLE I.—NET FIRE INSURANCE PREMIUMS AND NET LOSSES,  1924.
Name of Company.
Acadia Fire Insurance Co	
Aetna 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. V"	
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 Co	
California Insurance Co	
Canada Accident <fc Fire Assurance Co	
Canada National Fire Insurance Co	
Canada Security Assurance Co '	
Canadian Indemnity Co    	
Canadian Fire Insurance Co	
Canadian Surety Co	
Car & General Insurance Corporation, Ltd	
Central Insurance Co., Ltd	
Century Insurance Co., Ltd.	
Citizens Insurance Co. of Missouri	
Columbia Insurance Co., New Jersey	
Commercial Union Assurance Co., Ltd	
Commercial Union hire 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 Fire Insurance Co	
Fire Association of Philadelphia	
Fire Insurance Co. of Canada	
Fireman's Fund Insurance Co	
Firemen's Insurance Co. of Newark	
Franklin Fire Insurance Co	
General Accident Assurance Co. of Canada	
General Accident Fire & life Assurance Corporation, Ltd	
General Fire Assurance Co	
Girard Fire & Marine Insurance Co ,
Glens Falls Insurance Co	
Globe & Rutgers Fire Insurance Co	
Globe Indemnity Co. of Canada	
Grain Dealers National Mutual Fire Insurance.Co	
G reat American Insurance Co	
Guardian Assurance Co., Ltd	
Guardian Insurance Co. of Canada	
Hartford Fire Insurance Co    	
Home Insurance Co. of New York	
Hudson Bay Insurance Co	
Imperial Assurance Co	
Imperial Insurance Office	
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 & Provincial Marine and General Insurance Co., Ltd.
London Assurance Corporation.	
London Guarantee & Accident Co., Ltd 	
London Mutual Fire Insurance Co of Canada.	
Carried forward.
Net Premiums.
Net Amount of
Net Amount of
Losses incurred.
Losses paid.
$ 35.15S 82
$ 12,674 91
$ 33,317 61
68,842 79
6,188 22
20,416 94
14,602 38
4,119 62
5,283 02
27,403 10
9,798 87
8,481 86
11,118 73
356 60
6,446 33
5,143 66
1,607 S8
1,507 88
48,026 09
20,175 72
20,088 72
11,597 64
603 01
2,002 01
13,345 86
7,501 47
8,896 24
19,501 31
6,196 39
9,525 86
64,232 71
49,574 89
50,114 69
2,960 20
4,169 24
9,036 36
19,923 1)6
44,000 86
32,241 79
28,831 29
514 80
514 80
4,171 47
637 87
637 87
26,778 73
35,833 62
52,238 47
42,933 79
11,200 32
19,463 82
7,466 97
2,231 88
2,231 88
11,748 49
8,937 07
8.S46 08
49,863 48
54,717 04
51,579 93
14,021 90
6,522 33
6,536 33
15,339 98
10,447 35
10.686 93
24,827 52
5,462 90
6,882 47
26,716 17
13,483 63
14,973 63
14,409 98
4,651 45
4,619 29
52,278 36
14,907 09
14,658 56
68,764 27
27,431 32
29,318 08
26,017 67
17,699 38
12,682 24
37,459 03
13,593 26
11,208 26
7,463 04
6,494 03
6,434 03
9,677 33
6,540 65
6,080 77
27,680 84
17,725 07
16,610 57
1,482 37
676 53
303 89
9,251 39
4,987 88
6,024 88
10,270 71
1,830 97
1,830 97
37,346 98
16,602 34
17,304 63
40,039 37
11,012 73
9,786 23
22,358 68
8,441 06
17,149 46
86,015 90
37,380 68
83,132 88
15,336 65
8,043 00
8,443 63
34,971 35
12,513 38
14,053 21
29,461 83
17,225 71
17,224 86
11,722 22
2,950 10
2,950 10
12,454 04
2,337 98
2,250 80
10,047 37
1,441 57
1,237 92
9,055 28
7,392 14
7,392 14
34,716 57
17,076 19
16,498 21
47,625 05
19,372 30
17,371 30
6,251 02
22 86
345 92
8,526 15
1,529 94
2,479 94
9,029 20
6,037 98
5,932 81
44,816 68
8,917 56
19,760 12
22,054 86
19,-i36 22
21,606 76
42,785 30
20,720 81
15,922 81
40,058 12
59,506 70
64,177 00
987 44
81 84
2.9:'.3 66
5,625 64
3,658 65
4,597 65
10,690 04
4,468 38
4,468 38
29,713 04
39,035 90
35,502 10
13,677 62
5,173 21
4,856 21
683 36
■lb 00
mi.
11,122 53
4,619 99
13,956 99
38,574 91
32,709 99
36,669 84
37,922 87
16,479 68
17,527 55
4,724 27
3S4 12
279 92
35,491 32
25,263 64
25.0S0 64
144,925 37
112,114 96
113,752 05
15,941 64
626 22
6'6 22
157,260 03
166,518 91
176,644 06
120,212 29
69,156 09
91,526 69
35,293 99
17,882 26
19,277 26
18,308 20
7,103 22
4,510 32
36,164 35
17,362 38
11,144 82
101,749 02
3,129 83
58,263 H
13,682 54
7,943 70
7,799 94
35,891 70
21,665 63
21,665 63
139,633 18
76,837 52
141,333 67
40,780 33
19,954 10
19,444 50
7,756 45
1,730 88
1,890 88
124,453 83
48,135 73
44,295 73
1,282 21
27 00
mi.
72,713 17
18,626 50
15,999 50
47,573 08
14,090 50
15.645 50
4,978 31
5,204 70
5,204 70
$2,239,049 20
$1,237,169 19
$1,406,312 05
 L 24
British Columbia.
1925
TABLE I.—NET FIRE INSURANCE PREMIUMS AND NET LOSSES. 1\S2±—Continued.
Name of Company.
Brought forward.
, Ltd..
Lumbermen's Indemnity Exchange	
Marine Insurance Co., Ltd	
Mechanics & Traders Insurance Co	
Mercantile Fire Insurance Co	
Merchants Casualty Co.	
Merchants Fire Assurance Corporation....
Merchants Marine Insurance Co., Ltd.  ...
Millers National Insurance Co	
Mill Owners Mutual Fire Insurance Co....
Motor Union Insurance Co., Ltd	
Mount Royal Assurance Co.	
National lien Franklin File Insurance Co.
National Fire Insurance Co. of Hartford..
Nationale Fire Insurance Co., Paris	
National Provincial Insurance Co., Ltd...
National Union Fire Insurance Co	
Newark File Insurance Co	
New Hampshire Fire Insurance Co	
New Jersey Insurance Co	
Niagara Fire Insurance Co	
North American Accident Insurance Co...
North British & Mercantile Insurance Co.,
North Empire Fire Insurance Co	
Northern 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	
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	
Reliance Insurance Oo. of Canada	
Royal Exchange Assurance	
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	
Stuyvesant Insurance Co	
Sun Insurance Office	
Toronto Casualty Fire and Marine Insurance Co.
Union Assurance Society, Ltd	
Union Fire Insurance Co. of Paris	
Union Insurance Society of Canton, Ltd	
Union Marine Insurance Co., Ltd	
United British Insurance Co., Ltd	
United States Fire Insurance Co	
Wawanesa Mutual Insurance Co	
Western Assurance Co	
Westchester Fire Insurance Co...   	
World Marine & General Insurance Co., Ltd	
Yang-tsze Insurance Association, Ltd............
Yorkshire Insurance Co., Ltd	
Total..
Net Premiums.
$2,239,049 20
191,
19,
16,
11,
69,
19,
27,
2,
13,
30,
32,
49,
65,
24,
17;
4,
16,
31,
65,
27,
66,
12,
11,
25,
47,
39,
14,
15,
228,
44,
22,
15,
62,
21,
70,
10.
003 85
419 89
002 09
.669 98
605 36
753 68
407 43
439 70
229 25
.147 59
624 29
.105 31
866 95
237 61
062 89
600 71
477 66
867 41
275 07
390 65
131 75
169 74
381 02
.647 74
019 93
828 35
,622 90
474 09
793 08
022 45
581 67
683 S3
762 73
741 55
096 36
.825 05
.131 74
872 62
.936 17
,861 92
,837 29
,947 94
5,
38,
122,
12
57,
688 22
876 30
657 19
305 84
250 93
290 51
540 00
062 26
864 57
434 03
661 62
080 40
,865 28
719 16
365 26
,368 04
117 28
Nil.
,228 07
438 12
857 08
610 30
mi.
817 59
735 89
$5,188,573 63
Net Amount of
Losses incurred.
$1,237,169 19
463,063 38
228 75
24,679 71
8,798 77
3,101 64
17,415 38
4,821 74
5,910 05
416 36
12,812 63
20,346 11
3,840 10
61,082 83
16,110 61
3,393 83
6,988 14
5,124 54
4,268 29
10.179 96
12,603 97
Nil.
23,293 56
25,509 35
28,663 11
1,744 02
13,019 95
7,042 75
64,034 04
9,827 38
. 17,014 58
21,998 16
21,198 88
2,876 92
9,325 45
64,177 08
12,902 87
8,347 02
9,937 92
23,632 11
8,516 55
37,163 60
5,074 39
6,114 51
14,669 32
33,097 73
11,469 22
9,975 94
30,358 03
25,696 81
14,945 61
26,510 23
2S,808 46
7,364 04
21,923 48
36,626 47
32 02
11,253 74
24,205 28
15,125 81
mi.
2,973 46
34,703 41
13,851 17
24,731 09
Nil.
10,987 20
11,145 91
$2,948,339 22
Net Amount of
Losses paid.
1,406,812 05
550,097 32
228 75
25,989 71
8,755 77
3.589 14
19.040 65
4,777 74
6,954 05
301 17
12,389 40
17,335 11
2,929 56
49,002 79
17.041 61
2,323 83
7,927 36
5,596 54
4,910 07
17,025 30
14,363 97
Nil.
24,981 27
33.S60 35
34,303 11
1,586 02
13,195 79
6,114 13
60.002 94
9,790 74
9,889 53
21,058 81
18,073 69
2,875 62
7,010 45
111,135 90
14,834 S6
15,537 41
9,837 92
23,528 84
7,412 55
38,780 50
7,090 47
3,131 51
16,419 23
53,552 93
11,049 22
12,063 07
23,348 08
25,736 88
14,206 61
27,745 23
30,106 86
6,614 04
18,670 28
26,120 17
23 02
11,908 74
27,039 56
18,174 81
Nil.
2,809 91
54,070 41
28,218 67
30,487 16
Nil.
10,987 20
10,486 57
$3,497,932 48
 15 Geo. 5
Eeport of the Superintendent of Insurance.
L 25
TABLE IL—FIRE INSURANCE  SUMMARY.
Year.
Net Premiums.
Net Amount of
Losses incurred.
Net Amount of
Losses paid.
1920	
$ 5,427,798 35
4,810,405  78
4,670,253 65
5,062,590 48
5,188,573 63
$ 1,636,148 83
2,134,251  22
2,078,201  15
3,062,348 30
2,948,339 22
$ 1,648,167 47
1921  	
2,168,851  70
1922  	
2,062,601  34
1923	
1924	
2,556,043 79
3,497,932 48
Totals	
$25,159,621 89
$11,859,288 72
$11,933,596 78
 L 26
British Columbia;
1925
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.
Ltd.
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 - L.
Continental  Casualty  Co	
General Accident Assurance Co. of Canada 	
General Accident Fire & Life Assurance Corporation,
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  Insurance Office	
Insurance Co. of State of Pennsylvania	
London Assurance  Corporation  	
London Guarantee & Accident Co., Ltd	
London Mutual Fire Insurance Co. of Canada	
Loyal Protective  Insurance  Co.  .-	
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   	
Royal Plate Glass Insurance Co. of Canada  	
Springfield Fire & Marine Insurance Co.  	
Union Insurance Society of Canton, Ltd	
Western Assurance  Co	
Yorkshire Insurance Co.,  Lid  	
Totals	
$     10,211 96
897 00
509,186 00
11,938 00
5,000 00
S7,146 38
69,551 00
410.000  00
115,672 97
6.150 00
220.434 61
$1,446,187 92
79,480 00*
19,000 00
125,000 OOf
5,251 62
88,194 66
7,500 00
262,735 00
25,000 OOf
19,000 00
40,733 33f
2,100 OOf
50,334 OOf
16,500 00
30,988 06
34,608 91
79,050 00
5,000 00
39,333 33f
48,000 00*
35,000 OOf
30,434 7o{
19,700 00
101,000 00
224,869 17
22,920   00
10,000 OOf
44,733 33
60,000 OOf
45,000 OOf
25,000 00
10,000 00
4,937 50 J
122,000 OOf
36,000 00
25,000 00
6,330 00
48,410 94»
46,000 OOf
301,101 16J
21,900 001
43,000 OOf
50,000 00
100,000 OOf
350,000 00s
.,783,145 76
: Market value.
Par value.
i Book value.
 mm
15 Geo. 5
Report of the Superintendent of Insurance.
L 27
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British Columbia.
1925
TABLE V.—LIFE INSURANCE SUMMARY.
1920.
1921.
1922.
1923.
1924.
$    5,848,000
171,650,000
1,460,000
¥     6,264,000
188,930,000
1,332,000
5    6,789,000
202,809,000
1,635,000
$    7,501,000
225,660,000
1,691,000
$    8,293,000
Net  amount  in  force	
Claims paid  	
251,945,000
2,200,000
TABLE VII.—MISCELLANEOUS INSURANCE SUMMARY.
1920.
1921.
1922.
1923.
1924.
Accident,  P	
L	
Sickness,   P	
L	
Liability,  P	
L	
Automobile,  P.
L-
Marine,   P	
L	
Other forms, P.
L.
$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
488,000
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
$383,000
178,000
150,000
80,000
61,000
8,000
736,000
261,000
449,000
289,000
251,000
130,000
 TABLE VI—MISCELLANEOUS BUSINESS:   NET PREMIUMS AND LOSSES,  1924.
L 29
NAME OF COMPANY.
Aetna Insurance Co	
Agricultural Insurance Co	
Alliitnee Assurance Co., Ltd	
Alliance Insurance Co. of Philadelphia	
American Alliance Insurance Co	
American Central Insurance Co.	
American Credit Indemnity Co. of New York.
Atlas Assurance Co., Ltd	
Aur.ocar Fire & Accident Insurance Co. Ltd. .
Boiler Inspection ife Insurance Co. of Canada .
Boston Insurance Co	
British & Foreign Marine Insurance Co., Ltd	
British Columbia Plate Glass Insurance Co 	
British Crown Assurance Corporation, Ltd	
British Traders Insurance Co., Ltd	
Canada Accident & Fire Assurance Co	
Canada Security Assurance Co	
Canadian Fire Insurance Co	
Canadian General Insurance Co	
Canadian Surety Co   	
Canton Insurance Office, Ltd	
Car & General Insurance Corporation, Ltd 	
Casualty Co. of Canada	
Central Insurance Co., Ltd.t	
Columbia Insurance Co. t	
Commercial Union Assurance Co., Ltd	
Continental Casualty Co	
Continental Insurance Co	
Cornhill Insurance Co., Ltd.t	
Dominion Gresham Guarantee & Casualty Co	
Dominion of Canada Guarantee & Accident Insurance Co..
Eagle Star & British Dominions Insurance Co., Ltd	
Employers Liability Assurance Corporation, Ltd	
Equitable Fire & Marine Insurance Co    	
45.
46.
47.
48.
40.
. Fidelity & Casualty Co	
Fidelity Insurance Co. of Canada	
Fidelity Phenix Fire Insurance Co 	
Fireman's Fund Insurance Co.	
Firemen's Insurance Co. of Newarkt	
General Accident Assurance Co. of Canada	
General Accident Fire & Life Assurance Corporation,
Glens Falls Insurance Co	
Premiums.
8,823 00
♦88 70
48,302 41
7,470 94
35,000 50
t'..,208 33
5,097 01
Globe & Rutgers Fire Insurance Co..
Globe Indemnity Co. of Canada ....
Great, Americafi Insurance Co	
Guarantee Co. of North America....
Guardian Insuianee Co. of Canada..
Hartford Accident & Indemnity Co.
50. Hartford Fire Insurance Co.
51. Home Insurance Co..
Hudson Bay Insurance Co.t	
Imperial Guarantee & Accident Insurance Co. of Canada.,
Imperial Insurance Office	
Insurance Co. of North America	
Insurance Co. of the State of Pennsylvaniat.  	
Law Union & Rock Insurance Co., Ltd	
Liverpool & London & Globe Insurance Co., Ltd	
Liverpool-Manitoba Assurance Co	
London & Lancashire Guarantee & Accident Co   .
London & Lancashire Insurance Oo., Ltd	
London & Provincial Marine & General Insurance Co.,
London Assurance Corporation Ltd	
66.
57.
68.
59.
60.
61.
62.
63.
64. London Guarantee & Accident Co., Ltd.
65.
66.
67.
«S.
69.
70.
71.
72.
73.
74.
75.
76.
77.
511 00
91 50
1,763 28
16,001 04
13,390 09
034 98
287 70
Ltd.
London Mutual Fire Insurance Co. of Canada.
Loyal Protective Insurance Oo	
Lumbermen's Mutual Casualty Co	
Marine Insurance Co., Ltd	
Maritime Insurance Co., Ltd	
Maryland Casualty Co	
Merchants Casualty Co	
Merchants Marine Insurance Co	
Metropolitan Life Insurance Co	
Motor Union Insurance Co., Ltd..  	
Mount Royal Assurance Co	
National Fire Insurance Co. of Hartford, t.
National Provincial Insurance Co., Ltd ...
78. National Surety Co..
79.
80.
81.
82.
83.
84.
85.
86.
87.
88.
89.
90.
91.
92.
93.
94.
96.
96.
97.
93.
99.
100.
101.
102.
1(13.
104.
105.
106.
107.
108.
109.
110.
111.
113.
114.
115.
116.
117.
118.
119.
, Ltd..
Newark Fire Insurance Co	
New Hampshire Fire Insurance Co	
New Jersey Insurance Co	
New York Plate Glass Insurance Co	
Niagara Fire Insurance Co	
North American Accident Insurance Co..
North British & Mercantile Insurance Co.,
Northern Assurance Co., Ltd	
Northwestern Mutual Fire Association	
Northwestern National Insurance Co.t	
Norwich Union Fire Insurance Society, Ltd	
Occidental Fire Insurance Co	
Ocean Accident & Guarantee Corporation, Ltd	
Ocean Marine Insurance Co., Ltd	
Pacific Coast Fire Insurance Co	
Palatine Insurance Co., Ltd	
Phomix Insurance Co. of Hartford	
Preferred Accident Insurance Co., of New York...
Protective Association of Canada	
Queen Insurance Co. of America	
Queensland Insurance Co., Ltd	
Railway Passengers Assurance Co—  	
Reliance Marine Insurance Co., Ltd	
Royal Exchange Assurance	
Royal Insurance Co., Ltd	
Royal Plate Glass Insurance Co. of Canada	
St. Paul Fire & Marine Insurance Co	
Scottish Metropolitan Assurance Corporation, Ltd.
Scottish Union & National Insurance Co	
Standard Marine Insurance Co., Ltd	
Sterling Fire Insurance Co. of Indiana, Ind	
Sun Insurance Office	
Toronto Casualty Fire & Marine Insurance Co	
Travelers Indemnity Co	
Travelers Insurance Co	
Union Assurance Society, Ltd.
Union Insurance Society of Canton,
Union Marine Insurance Co., Ltd	
United States Fidelity & Guaranty Co	
United States Fire Insurance Co    	
United States Merchants & Shippers Insurance Co.
Western Assurance Co	
8.174  IT
21 67
685 70
2,621 88
5,031 79
7,310 09
*I,409 46
576 65
*S1,020 38
*3,352 00
911 25
1,80:) 51
1,088 4(1
1,460 8J
5,747 25
Ltd..
Ltd..
121.
122.
123.
124.
125.
126.
Western Casualty Co	
Westchester Fire Insurance Co	
World Marine & General Insurance Co. Ltd	
Yang-tsze Insurance Association, Ltd	
Yorkshire Insurance Co., Ltd	
Zurich General Accident and Liability Insurance Co.,
Ltd..
Totals.
299 OS
*5,320 14
442 47
1,680 79
23,557 77
107 90
*9,436 34
"1,828 11
9,177 55
Losses.
Nil.
Nil.
Ml.
18,865 61
2,069 82
13,752 38
512 01
50 00
Nil.
73 15
2,669 56
Sickness.
Premiums.
1,280 07
44,749 69
14,123 70
19,828 65
2,841 28
1,284 45
109 16
-Nil.
940 83
A'fl.
50 00
60S 67
2,663 30
1,202 24
9,778 20
220 00
40,959 68
3,592 64
Nil.
2,025 05
2,423 59
14,608 86
5 468 11
 7.50
12,214 77
8,108 56
Nil.
6,285 01
S 383,165 24 8  178,150 00
303 35
25 60
37* 51
1,972 93
1     4,574 98
4,754 78
2,688 86
3,454 !
14,731 05
7,298 20
6,190 35
Losses.
437 03
1,773 00
26,147 86
7,299 39
5,062 24
1,189 99
1,218 01
LIABILITY.
Premiums.
12 12
578 73
3,410 39
1,378 64
5,344 07
201 73
20 00
9,957 87
15 63
Nil.
Losses.
Nil
mi.
20 00
7 50
Nil.
Nil.
487 25
1,926 9li
Nil.
918 10
278 56
381 05
187 80
1,932 78
1,247 20
1,835 61
Nil,
16,217 11
Nil.
3,567 55
3$  156,285 31  S    80,511 45
1,412 K
91 88
1,836 19
8,911 89
694 76
'l,3is'95
48 13
3,396 98
716 75
Nil.
Nil.
Nil.
Nil.
1 00
'71726
Nil.
Nil.
1,460 90
80 85
Nil.
H    61,496 75 8      S.806 31
Premiums.
1,398 83
291 39
10,555 01
1,979 17
8 92
2,115 07
10,487 68
944 09
3,195 30
18,113 00
955 89
6,300 65
2,143 14
4,403 94
113 00
25 78
2,082 58
426 89
280 21
27,930 37
23,610 68
5,004 49
31,698 16
10 41
2,159 84
237 47
4,302 65
15,073 83
199 00
Losses.
291 96
mi.
3,096
798 31
Nil.
667 00
4,270 05
930 60
737 2c
8,322 0(1
932 83
1,074 20
89 46
1,123 07
67 98
Nil.
2S0 15
536 60
40 85
13,679 54
5,516 05
940 03
8,036 2S
\il.
Nil.
mi.
1,196 72
5,094 61
Nil.
14,957 32
331 19
2S.685 43
5,266 01
11,194 73
20,367 01
2,920 25
17,812 53
4,143 14
3,185 34
5,975 06
21.060 19
1,578 47
2,502 3:
9,427 97
27,899 74
0,735 55
13,103 90
112 29
57,260 49
1,124 24
23,362 42
3,940 20
1,019 09
' 9)479 29
1,475 53
1,196 33
8,677 23
2.'664 97
16,698 16
10,400 12
6,447 30
1,943 27
3,830 05
670 01.
2,945 40
5,733 71
36,304 67
3,061 38
3,400 16
4.976 16
6,727 12
3,482 76
2,343 73
38,174 21
15,281 62
6,841 36
5,052 01
6,604 33
4,114 88
1.366 25
3,960 63
10,486 1
3,127 68
17,866 88
S 735,831 17
5,069 72
830 19
7,230 78
563 9.:
197
9,846 48
13,878 9'
138 33
7,18i 78
1,717 OS
214 7
1,995 52
9,874 20
27 85
24 05
9,959 49
9,466 32
2,300 91
4,127 83
29 00
228 32
20,006 48
Nil.
',932 03
30 50
234 14
1,057 45
2,962 60
8,263 30
4,798 96
4,495 00
1,046 74
55 90
548 33
2,050 49
Nil.
1,2
10,014 42
2,032 90
431 07
1.861 18
7,354 00
892 50
1,236 75
12,813 35
4,864 19
1.067 78
1,375 00
2,522 35
465 34
840 75
983 25
4,119 06
63 10
6,146 53
3}  ',.61,693 13
Premiums.
5,283 23
1,540 49
5,717
2,424 23
362 76
Losses.
1,385 00
mi.
611  19
167 80
57 25
Nil.
645 09
478 04
1,662 24
135 01
1,339 57
'32 00
704 34
'387 46
12 00
4,630 19
2,843 77
.4    42,429 14
Nil.
Nil.
65 00
Ml.
179 40
Nil.
Nil.
Premiums.
17,823 54
24,800 42
3,401 47
2,082 66
'9,453 32
380 50
123 05
930 98
40 00
196 58
288 26
2,993 94
'" i 2' 50
20,707 07
mi
'267'6o
Nil.
1,137 55
Nil.
1,980 77
Nil.
1,439 81
mi
9    30,494 47
5,537 43
247 50
408 30
916 41
iii 98
$ 112,726 94
Losses.
2,797 73
2,331 16
Plate Glass.
Premiums.
213 34
1,266 61
Nil.
Nil.
387 77
43 24
Nil.
$  10,210 62
Nil.
651 27
Nil.
154 88
mi.
Premiums.
7,385
5,373 13
1,006 80
2,679 04
10,556 21
12,203 54
570 79
Nil.
72,071 86
Losses.
Nil.
2,526 69
mi.
403 5;
6 7
12,605 89
nu.
Ml.
Nil.
575 00
Nil.
Nil.
Nil.
080 07
mi
Nil.
Nil
"mi'
Nil.
mi'
Nil.
Nil.
$    77,031 53
289 01
1,402 77
1,134 13
3,107 26
1,256 15
1,878 79
'iU82'77
1,294 89
4,348 41
175 77
742 39
693 69
31 63
$    62,692 10
325 49
Nil.
240 71
Nil.
Nil.
414 07
342 00
'358 86
'36i'97
493 52
'422'(55
326 29
1,753 e;
Nil.
Nil.
69 85
551 49
Nil.
$    18,873 09
2,185 44
12,489 77
31,692 9c
38,077 78
3,656 4!
1,492 53
7,001 23
13,593 6:
14,296 0!
6,915 0(
7,057
5,340 07
11,602 6:
15,031 9(i
16,418 8!1
10,563 50
2,361 5(1
13,358 19
31,026 78
$ 449,430 7,
NU.
5,354 51
15 80
2,898 48
10,064 20
1,851 63
774 18
8,792 82
7,593 17
31,346 24
31,990 00
"7923
43 96
807 14
8,608 00
14,522 39
4,998 20
1,421 69
9,810 01
23,956 61
$  289,543 86
Credit, Earthquake,
Electrical Machinery,
Explosion, F'orgery,
Fraud, Hail,
Inland Transportation,
Live Stock, Rainfall,
Sprinkler Leakage,
Steam-boiler, and Tornado.
(Indicated by Initial
letters.)
Premiums.
( I.T. $ 165 72
'( E.       475 00
Cr.      6,240 00
S.B.     1,144 95
/i.f.  "l05
\ E. 12 63
L.S. 46 20
For. 38 2;
E. 84 37
T. 34 60
S.L.
S.L.
F. VV.
Sur.
S.B.
56 26
2 96
1,062 30
25 00
3,677 78
251 87
S.B.
254 ii
I I.T. 1,453 18
|T. 75
I I.T.       19 37
'( E.       218 63
I.T.
I.T.
62 41
2 51
fRa.
I.T.
R.
S.L.
.H.
i'I.T.
T.
9 70
33 40
96 98
879
207 80
139 07
31 20
S.L.    562 50
IE.
30 60
f I.T.     742 23
I S.L.      68 25
' S.L.    4S(i (i(i
1 S.B.      27 20
fFor. 843 97
1 Fr. 604 45
(.Cr.   1,223 33
I.T. 486 42
S.L.        458 54
S.L.
13 33
I.T.     2,163 58
T.        211 91
E.M.   6,446 99
S.B.        131 50
I.T.    496 24
12 63
I.T.
20 00
L.S.        273 40
*        33,657 80
Total
Premiums.
Losses.
Nil     \
Nil    j
Nil.
Nil
Nil.
Nil.
250 00
Nil
Nil
NU.
Nil
NU.
610 94 \
Nil     ■
Nil    j
Nil
Nil.
Nil.
Nil
Nil.
212 02
Nil.
' mi
Nil    ~\
Ml.
Nil.     >
218 64
mi.   1
Nil.
Nil
Nil.
Nil.
409 81
Nil.   .
Nil.
Nil
Nil.
Nil.
171 '
Nil.
Nil.
Nil.
Nil.
Nil,
90
623 741
Nil.      J
Nil
Nil     \
Nil      I
Nil
148 00
*      3,675 74
Total
Losses.
$    2,041 52
292 39
22,604 24
7,367 98
8 H2
6,240 00
1,333 52
8,161
1,144 95
3,121 87
13,276 30
10,556 21
26,658 13
944 09
15,398 84
46,769 00
955 89
6,300 65
2,760 13
23.403 59
Nil.
173 00
1,195
2,108 10
94,057 72
83,232 39
89,135 37
5,004 49
54,339 57
13 37
8,594 20
4,830 67
489 34
76,374 51
40,374 23
242 24
1,459 66
238 00
45,286 91
7,590 76
9,453 3:
31,428 12
9,509 03
4,612 06
$       904 71
Nil.
4,427 14
3,370 00
Nil.
Nil.
43 82
231 74
Nil.
657 00
4,673 62
Unsettled
Claims.
10,210 62
930 60
14,081 05
17,026 00
932 83
1,074 20
938 10
2,162 64
2,977 15
67 98
503 69
230 15
45,550 0'
26,477 67
27,901 01
940 03
11,187 35
Nil
915 01
Nil.
Nil
43,132 32
33,735 59
2,981 92
102,081 33
9,203 07
8,295 30
5,975 06
37,536 95
1,578 47
4,732 26
21,917 74
58,899 69
6.735 55
22,809 30
13,163 90
1,248 66
6,235 38
138,286 87
1,124 24
3,352 00
24,279 47
6,641 49
1,134 IS
9,244 21
1,019 09
486 42
9,937 S3
670 62
33,168 46
7,217 05
38,077 78
19,781 07
22,664 97
31.295 55
10,400 12
21,411 24
1,492 53
1,943 27
3,830 05
7,684 57
2,945 40
22,067 65
19,327 32
14.296 08
55,886 46
6,915 00
3,642 94
4,835 21
4,348 41
14,196 77
18.312 45
3,432 76
11,602 61
2,313 73
39 100 04
16,036 01
33,705 08
30,855 97
5,361 45
31,072 66
4,114 88
30,233 90
4,319 88
16,418 82
21,559 05
18,200 50
2,381 50
13,358 19
31,026 73
23,436 80
18,615 26
42,037,715 17
13,368 99
Nil.
Nil
212 02
31,753 24
6,184 76
Nil.
7,355 57
818 14
9,846 48
16,339 93
138 33
2,149 74
1,104 47
1,995 62
14,049 26
27 85
89 S5
12,857 97
17,321 88
2,300 91
9,778 20
4,127 83
29 60
21,499 75
61,026 16
Nil
3,592 64
7,932 03
444 67
296 97
836 41
1,130 35
Nil.
3,904 95
342 00
20,453 79
1,604 71
10,064 20
8,332 23
8,263 30
11,047 07
4,495 00
6,994 99
774 18
55 90
548 33
10.843 31
mi.
14,608 86
8,882 15
31,346 24
17,280 37
31,990 00
2,040 40
510 SO
1,753 57
2,891 04
20,375 91
892 50
1,911 22
1,236 75
13,150 61
4,864 19
20,629 16
8,108 56
1,375 00
17,415 36
465 34
58,203 67
983 25
14,522 39
9,117 26
7,107 94
1,421 69
9,810 01
23,956 61
9,798 81
6,146 53
$ 948,779 68
44 00
Nil.
Nil.
1,886 10
Nil.
Nil.
Nil.
347 25
NU.
75 00
514 00
NU.
186 80
125 00
7,072 00
NU.
Nil.
936 13
250 00
Nil.
Nil.
328 00
NU.
5,311 04
mi.
3,751 00
Nil.
345 00
Nil.
Nil.
Nil
295 10
Nil.
10,196 21
Nil
Nil.
Nil.
Nil
6,674 00
910 28
Nil.
4,091 00
2,502 85
2,829 00
3,217 00
76 00
12,946 16
60 00
684 00
1,800 00
9,550 00
Nil
35 00
Nil.
28,105 00
1,995 00
3,243 78
622 00
Nil.
42,223 95
15,055 39
Nil.
Nil.
2,170 00
348 00
Nil.
Nil.
Nil.
1,443
72
3,918
315
725
Nil
Nil
927
355
5.677
Nil.
Nil.
225
760
Nil.
Nil
8,359
NU.
3,310
1,000
120
Nil.
11,357
1,006
60
4,000
180
4,992
210
92 85
2,520 76
Nil.
75 00
mi.
14,245 00
976 00
Nil
5,730 00
800 19
253 44
SU.
Nil
14,822 54
5,210 00
8 273,8
31
32
33
34
35
30
37
38
39
40
41
42
43
65
66
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70
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72
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74
75
76
77
78
79
80
SI
82
83
84
86
86
87
SS
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
113
114
115
110
117
118
119
121
122
123
124
125
126
'■ Accident and sickness,    t No business transacted.
 15 Geo. 5
Report of the Superintendent of .Insurance.
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British Columbia.
1925
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 INDEX.
ANNUAL STATEMENTS.
Page.
British Columbia Plate Glass Insurance Co.   7
Ontario Equitable Fire & Marine Insurance Co  S
Royal Plate Glass Insurance Co. of Canada   10
Toronto Casualty Fire & Marine Insurance Co  12
Wawanesa Mutual Insurance Co  13
Western Empire Life Assurance Co  15
TABLES.
Fire Insurance—
Companies licensed, List of December 31st, 1924   17
Companies admitted during 1924   5
Premiums and Losses  (net), 1924   23
Summary for 1920-24   25
Life Insurance—
Companies licensed, List of December 31st, 1924   21
Premiums, etc., 1924  27
Summary, 1920-24   28
Miscellaneous Insurance—
Companies licensed, List of December 31st, 1924  21
Companies admitted, 1924   5
Provincial Licensees, Assets, Liabilities, etc  31
Premiums and Losses, 1924   29
Summary  for  1920-24  2S
Investments in British Columbia—
Life  Companies     27"
Other Companies  ,  26
VICTORIA, B.C.:
Printed by Charles P.  Banfield,  Printer to the King's Most Excellent Majesty.
1925.

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