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TENTH ANNUAL REPORT OF THE SUPERINTENDENT OF INSURANCE FOR THE PROVINCE OF BRITISH COLUMBIA 1921 (BUSINESS… British Columbia. Legislative Assembly 1921

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Full Text

 TENTH ANNUAL REPORT
OP   THE
SUPERINTENDENT OF INSURANCE
FOR  THE
PROVINCE OF BRITISH COLUMBIA
1921
(BUSINESS TRANSACTED IN 1920)
PRINTED BY
AUTHORITY  OF  THE  LEGISLATIVE  ASSEMBLY.
VICTORIA,  B.C.:
Printed by William H.  Ccllin, Printer to the King's  Most Excellent Majesty.
1921.  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 Tenth Annual Report of the
Superintendent of Insurance for the year ended December 31st, 1920.
J. W. de B. FARRIS,
Attorney-General.
Victoria, B.C., June 30th, 1921.  REPORT OF THE SUPERINTENDENT OF INSURANCE.
Department of Insurance,
Victoria, B.C., June 30th, 1921.
The Honourable J. W. de B. Farris,
Attorney-General, Victoria, B.C.
Sib,—The Tenth Annual Report of the Department, covering the year ended December 31st,
1920, is herewith submitted in accordance with the " British Columbia Fire Insurance Act" and
the " Insurance Act."
I. " BRITISH COLUMBIA FIRE INSURANCE ACT."
(1.)  FIRE INSURANCE COMPANIES.
The year 1920 closed with a further increase in the number of companies licensed under
this Act for fire insurance. The total was 132, of which all except two also hold Dominion
licences.
The new British companies were: British Crown Assurance Corporation, Limited (a
reorganization of a company of a similar name previously licensed under the Act) ; The British
General Insurance Company, Limited; Essex & Suffolk Equitable Insurance Society, Limited;
Motor Union Insurance Company, Limited; Railway Passengers Assurance Company; Royal
Scottish Insurance Company, Limited; and The Traders & General Insurance Association,
Limited.
The Canadian companies were: Canada Security Assurance Company, Canadian Indemnity
Company, and Pacific Marine Insurance Company, holding Dominion charters, and the Union
Fire and Casualty Company and the Wawanesa Mutual Insurance Company, being Provincial
incorporations. The Canada Security Assurance Company was a reorganization of an Alberta
company of the same name. The two Provincial companies are not licensed by the Dominion.
Three new companies came from the United States, namely: Caledonian American Insurance
Company, Columbia Insurance Company, and The Sterling Fire Insurance Company of Indiana,
U.S.A.
Eight of the companies licensed under this Act in 1920 were already licensed under the
" Insurance Act."
The only companies which during 1920 ceased to carry on business in the Province were
the reorganizations I have mentioned.
A complete list of the companies licensed as at December 31st, 1920, is printed on page 25,
and the origin of the various companies is as follows:—
Dominion of Canada       28
Provinces of Canada       7
Great Britain       39
Australia          1
Hong Kong         4
United States      49
France        4
Total   132
There is again a large increase in net premiums for fire insurance, and, although the losses
paid are also higher, it is obvious that the business of 1920 was very lucrative. The figures
stated in Tables I. and II. indicate that the time is ripe for some reduction of rates in this
Province, as the average amount paid for losses during the past five years is only 30 per cent,
of the net premiums received.    The statistics will be found on pages 29 and 30. V 6
Report op the Superintendent op Insurance,
1921
(2.)  FIRES.
The salient feature of the fire loss for 1920 is again the high proportion of fires involving
a loss of $30,000 or over.    I set out particulars of these fires:—■
March :  West Kootenay District;   sawmill;  cause, hot bearing $    45,000
April:  Prince Rupert District; cannery ;  cause unknown  200,000
April: Rossland;  mining property ;   cause, spark from chimney .... 50,000
May:   North Cowichan District;   dwelling;  cause unknown  51,000
June:   Vancouver;   apartment-house;   cause unknown    94,000
July:   Delta ;   cannery;   cause unknown   185,593
August:   Port Coquitlam;  conflagration ;  cause unknown  103,530
August:   Port Moody;   dry-kiln;  cause unknown   119,000
September:   Chilliwack;  hop-drying plant;  cause unknown  56,134
September:   New Westminster;   dry-kiln;   cause, spontaneous combustion     37,662
September :   Maple Ridge;   shingle-mill;   cause unknown   30,000
September:   Vancouver-New    Westminster    District;    shingle-mill;
cause, hot bearing    100,000
October:   Vancouver-New   Westminster   District;    sawmill;    cause
unknown      34,385
October:   Victoria ;   store;  cause, clothes too close to steam-pipe ... 30,624
November:   Vancouver;   wharf;   cause, unknown    50,000
December :   Boundary District;  coal-mine;   cause, spontaneous combustion     35,000
December:   Hazelton District;   conflagration ;   cause unknown    61,136
December:' Prinee  Rupert District;    mining  property ;   cause,  hot
hearing    51,662
December :   Vancouver;   stores;   cause unknown  53,750
Total     $1,388,576
These losses therefore represent more than 50 per cent, of the aggregate loss sustained by
the Province as reported to this Department, and were caused by nineteen fires out of a total
of 1,182 fires. The percentage for 1919 on the same basis was something over 25. Unfortunately,
in more than half the cases the cause of the fire was unknown, but hot bearings and sparks
were, as in 1919, responsible for part of the loss. Mill and mine property, too, appears regularly
in the list of larger fires, while the latter part of the year, particularly the month of September,
seems to be the more fatal. It is impossible to deduce any broad generalization, but it becomes
more apparent each year that the efforts to lessen the fire waste should be concentrated primarily
on the industrial hazard. By teaching fire-prevention in the factory more good will be done, in
my opinion, than by a hundred " clean-up " campaigns at random.
The number of fires reported for the year shows a little decrease, and it is hoped that this
tendency will continue, now that the public is beginning to be familiar with the fire menace
and its consequences. Although the figures of loss are larger, too much stress should not be
laid on this aspect. The per capita loss works out at $4.80 for the Province, but, as already pointed
out, the main responsibility falls on the industrial hazard. If the nineteen large fires referred
to are deducted, the per capita loss for 1920 is smaller than that for 1919.
The loss of life was larger than for several years, and five lives were destroyed by the fire
which occurred in the Balmoral Apartments at Vancouver in June of last year. That fire
taught a terrible lesson and stirred the people of this Province to a profound realization of
the danger of fire and how easily it can be avoided by care and an observance of the existing
laws. The public was alarmed when the inquiry into the fire exposed conditions which daily
involved serious risk to life, and yet were due in no small degree to a failure to comply with
enactments designed to prevent such conditions.
The fire-prevention officer of the Department, Mr. J. A. Thomas, has had an extremely busy
year, and his services have been more and more in request and, I cau safely add, appreciated
by all sections of the community. The value of the work he has done needs no argument to
prove it, and the only question to be considered is how far it should be extended. 11 Geo. 5
British Columbia.
V 7
I append extracts from Mr. Thomas's report:—
Fire-prevention.—In the work of fire-prevention there has been a very considerable advance
over last year. This is particularly true in some of the larger cities where the fire-prevention
work has been thoroughly reorganized and systematic inspection by the officials of the Fire
Department is being carried out.
Fires.—In regard to the fire at the Balmoral Apartments mentioned above he says: " The
result of this fire and the investigation held before His Honour Mr. Justice Morrison, of the
Supreme Court, was that the fire-prevention work of the City of Vancouver was thoroughly
reorganized. A large number of fire wardens were appointed and are doing very efficient work
throughout the city."
Unorganized Districts.—Considerable work has been done in the unorganized districts this
year, notably in the town of Princeton. The great need in these districts is some method
whereby money can be raised for fire-prevention purposes.
Fire-escape Act.—The work of assisting the different Fire Chiefs throughout the Province
in carrying out the provisions of the Provincial " Fire-escape Act" has been carried on by this
Department under your instruction. I find that there is a great need for expert advice in this
regard. The local Fire Chiefs and others whose duty it is to enforce the provisions of this Act
have not the technical knowledge required.
Excessive Insurance.—During my investigation of fires I have found a number of cases where
property was insured far beyond its sound value. It is obvious that this is placing a premium
on arson.
Fire Marshal Act.—The necessity for a Fire Marshal Act that will give the Provincial
officers authority to enforce reasonable recommendations for fire-prevention throughout the
Province, particularly in the unorganized districts where we have no Fire Chief or other official
who is qualified to act, is becoming more apparent every year. This is particularly true where
there are industrial plants located in the rural municipalities.
II. " INSURANCE ACT."
The number of companies licensed under this Act for insurance business other than fire
reached 141 at the end of 1920, as compared with 130 for 1919. The particulars are set forth
on page 27.
Eleven of the new companies already held licences under the " British Columbia Fire
Insurance Act" and two were reorganizations of licensed companies—namely, the British
Crown Assurance Corporation, Limited, and the Canada Security Assurance Company, referred
to above.
There were two new British Companies, three Canadian and one Manitoba Company, and
seven from the United States.
The Equitable Life Assurance Society of the United States and the Maryland Assurance
Company withdrew during the period under review.
In addition to the new licences, fourteen supplementary licences were issued to companies
already licensed under the Act for automobile, accident, burglary, forgery, hail, inland marine,
inland transportation, marine, robbery, and sickness insurance.
Summary.
Where incorporated.
Dominion
Licensees.
Provincial
Licensees.
Total.
British Columbia	
40
2
27
1
2
48
2
3
10
1
2
1
2
2
40
Other Provinces of Canada	
5
37
1
New Zealand	
1
4
1
50
Totals	
120
21
141 V 8 Report op the Superintendent of Insurance, 1921
The statements of companies not holding a Dominion licence appear on pages 9 to 24.
The statistics for life insurance (pages 40 and 41) set up new records, and the net amount in
force in the Province increased to $171,000,000. But while the amount for premiums received
took another big stride upwards, the figures for claims made on policies remained practically
stationary. The war period and the influenza epidemic have run their course, and the amounts
paid out will drop to their former ratio. It would appear that the present year will not approach
last year for volume of new business written, and the companies will do well if they can prevent
any large percentage of lapses, which unfortunately follow in the-train of hard times.
Allusion was made last year to " group " life insurance. Two companies have written a few
policies of this kind, covering employees in the Province.
Turning to the miscellaneous forms of insurance (see Table XIII., page 41), the companies
did not have a good year like the fire insurance companies. While the amount of business done
increased, the losses were, with one or two exceptions, heavier. In the case of automobile
insurance the premiums were much larger, but the claims paid amounted to nearly 50 per cent.
This class included all kinds of damage done to or by motors, and the losses are not perhaps
surprising when one regards the number of street accidents alone. In 1920 there were 4,044
accidents reported to the police in Vancouver and 17 persons killed, and in Victoria 63 accidents
where persons were injured, involving 2 deaths.
III. GENERAL.
An important conference of the Superintendents of Insurance for various Provinces was
held at Winnipeg in October last.    Ontario, Manitoba, Saskatchewan, and Alberta were represented, but the official for Quebec was prevented by illness from attending, and I was on my
way hack from England.   The conference was also favoured by some members of the Provincial
Commissioners on Uniformity  of Law and numerous representatives of insurance interests.
It was agreed by all parties that the conference proved a very valuable meeting.    The chief
subjects on which papers were read and which were discussed were these:—•
(1.)  Regulation of insurance agents, brokers, and adjusters.
(2.)  Fraternal societies.
(3.) Hail insurance.
(4.)  Uniform statutory conditions for accident and sickness insurance.
(5.) Model Fire Policy Act.
(6.)  Reciprocal insurance.
(.7.)  Uniform statutory conditions for automobile insurance.
(8.)  Uniform law relating to beneficiaries under life-insurance policies.
(9.)  Unlicensed insurance.
It is proposed to hold another conference at Quebec in October next, when the Superintendents expect to arrive at definite decisions on some of these matters, so that they can make
recommendations to their respective Governments.    It is interesting to note that, in regard to
subjects 5 and 8, the Commissioners on Uniformity of Law are also at work, and these subjects
are in this way tackled from the legal as well as the insurance standpoint.
In accordance with your instructions, legislation relating to the licensing of agents is in
course of preparation and will be welcomed by the insurance fraternity; likewise legislation
permitting the extension of the fire prevention and inquiry work of this Department will be
submitted to you in time for the November session of the Legislature. It will'not, however, be
possible by that date to revise the Insurance Acts, and indeed it would be better to await the
holding of the conference in October, so that this Province can act with the others.
The recent decision of the Privy Council in the cases of Great West Saddlery Co. v the King,
etc. (a consolidated appeal), confirms the jurisdiction claimed by the Provinces over outside
companies, and the principle is applicable to insurance legislation.
On the eve of a change in the head of this Department, I may be permitted to express the
hope that during my tenure of office as Superintendent I have given satisfactory service to
yourself and the public. I have the honour to be,
Sir,
Your obedient servant,
H. G. GARRETT,
Superintendent of Insurance. 11 Geo. 5 British Columbia. V 9
APPENDIX.
INSURANCE OTHER THAN FIRE INSURANCE.
Annual Statements of Provincial  Licensees for the Year ended
December 31st, 1920.
BRITISH COLUMBIA PLATE  GLASS INSURANCE  COMPANY.
Head Office—Vancouver, B.C.
Directors.
Walter E. Graveley. F. M. Chaldecott.
A. F. Beasley. A. G. Thynne.
H. W. Chamberlain.
Alfred Farmer, Secretary.
Amount deposited with the Government of British Columbia: British Columbia Inscribed
Stock, £200; Township of Richmond bonds, $5,000; Dominion of Canada War Loan bonds, $1,000;
total (par), $6,972.22.
Authorized capital   $25,000
Amount subscribed       9,600
Amount paid up         3,840
Statement fob the Yeab ended December 31st, 1920.
Cash vaiue (excluding interest and dividends) of stock, shares, bonds, debentures, etc. $17,128 18
Cash on deposit to the Company's credit and not drawn against on December 31st, 1920     1,787 36
Premiums uncollected (net commissions deducted)         4,200 00
Interest due or accrued and unpaid  100 80
Total assets  $23,216 34
Liabilities.
Total amount of claims or losses unpaid    $    910 14
Total reserve of unearned premiums, $26,566.57: carried out at SO per cent, thereof..    21,252 56
Total amount of liabilities     $22,162 70
Capital stock paid up        3,840 00
Total of liabilities and paid-up capital  $26,002 70
Excess of assets over such total   $ 2,786 36
Receipts.
Net cash received for premiums   $28 116 64
Cash received for interest          905 97
Cash from all other sources  357 95
Total receipts    $29,380 56 V 10
Report op the Superintendent of Insurance,
1921
Expenditure.
Cash paid to agents for commission, salaries, and bonus
for statutory assessment and licence fees	
„    rent and taxes 	
„    salaries, directors' and auditors' fees  	
,,   printing, stationery, and advertising  	
„    other expenses  	
Total expenses of management  	
Amount paid for losses occurring during the year 	
Cash paid for dividends 	
Cash paid for debentures, mortgages, etc. (not extended), $1,990.
Cash paid for other expenditure	
Total expenditure
$ 9,840 75
242
49
259
41
650
00
99
14
27
50
$11,119 29
16,000
13
960
00
27 12
$28,106 54
List of Shareholders.
Name.
H. Bell-Irving	
W. E. Graveley	
A. Mc. Creery	
A. F. Beasley	
T. O. Richards	
H. W. Chamberlin	
H. C. Ackroyd	
D. B. Charleson	
W. J. Albutt	
R. Martin	
J. Rogers	
A. G. Thynne	
F. M. Chaldecott	
C. E. Hope	
T. A. Blythe (estate of)
P. W. Charleson	
Residence.
Vancouver
Victoria ..
Vancouver
No. of
Shares.
5
5
1
7
1
5
1
1
17
1
2
35
5
2
3
5
96
Amount
subscribed.
Amount
paid.
$ 500
500
100
700
100
500
100
100
1,700
100
200
3,500
500
200
300
500
$9,600
$200
200
40
280
40
200
40
40
680
40
80
1,400
200
80
120
200
$3,840 11 Geo. 5 British Columbia. V 11
CANTON INSURANCE OFFICE, LIMITED.
Head Office—Victoria, Hong Kong.
Consulting Committee.
D. G. M. Bernard. Sir Robert Ho Tung.
A. M. Bowes-Smith.                                                                   T. E. Pearce.
The Hon. Sir Paul Chater. H. W. Sassoon.
E. J. Chapman. H. P. White.
General Agents. ,,
Messrs. Jardine, Matheson & Co., Limited, Hong Kong.
Capital authorized and subscribed  $2,500,000
Amount paid up      1,000,000
Statement for the Year ended December 31st, 1920.
Assets.
Cash in hand, in transit, on current account, and fixed deposits with banks  $  870,076 10
Gold investments—
British, Indian, and Colonial Government bonds and stocks   3,738,579 57
Foreign Government loans   533,447 52
British, Colonial, and Foreign railway and port trust bonds and stocks  226,549 04
Silver investments—
Hong Kong Government 6% War Loan of 1916  100,000 00
Mortgage loans and debentures    1,595,045 04
Other investments    473,920 99
Agency balances  1,059,913 79
Accounts receivable   *.  186,534 40
Total assets     $8,784,066 45
Liabilities.
Capital, 10,000 shares of $250 each = $2,500,000, of which $100 per share has been
paid up   $1,000,000 00
Reserve Fund   1,600,000 00
Reinsurance Fund   1,316,964 22
Investment and Exchange Fluctuation Account  3,787 44
Underwriting Suspense Account   1.029,205 45
Uncollected dividends    23,130 00
Accounts payable     152,479 86
Working Account, 1919     $1,043,127 43
Less interim dividend at $18 per share paid on May 25th, 1920..       180,000 00
  S63,127 43
Working Account, 1920    2,795,372 05
Total liabilities    $8,784,066 45
> i —
Note.—Dollars In Hong Kong currency, with sterling exchange at 3s. l%d. GREAT NORTH INSURANCE COMPANY.
Head Office—Calgary, Alberta.
Directors.
W. J. Walker, President. Geo. H. Ross.
Hon. A. C. Rutherford. C. E. Montgomery.
Hon. F. A. Walker. Hon. P. E. Lessard.
J. K. Mclnnis.
M. L. Kern, Assistant Secretary.
Amount deposited with the Government of British Columbia:  $5,000 in cash.
Authorized capital   $500,000
Amount subscribed      221,200
Amount paid up in cash     112,810
Statement for the Year ended December 31st, 1920.
Cash value of mortgages, exclusive of interest   $ 18,000 00
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc. 17,265 48
Actual cash on hand at Head Office  924 94
Cash on deposit to the Company's credit and not drawn against on December 31st,
1920  14,898 76
Agents' balances and premiums uncollected  35,235 67
Bills receivable less than one year overdue  33,815 15
Premium notes     25,729 23
Calls on capital stock outstanding in course of collection  9,350 00
Reinsurance collectable on unadjusted losses   3,901 25
Due from other companies for reinsurance on losses already paid  18,639 82
Amount of all other assets .,  3,786 10
Office furniture (not extended), $4,300.
Total assets     $181,546 40
Liabilities.
Claims or losses adjusted    $      600 00
Claims or losses in suspense, or supposed, or reported          9,400 00
Total amount of losses or claims unpaid   $ 10,000 00
Live-stock reserve, 50 per cent, of premiums in force   15,144 6S
Total reserve of unearned premiums for all outstanding risks   22,185 32
Amount due for commission   825 93
Amount of all other liabilities   54,700 92
Total amount of liabilities  $102,856 S5
Capital stock paid up     112,810 00
Total amount of liabilities and paid-up capital   $215,666 85
Excess of liabilities   $ 34,120 45
Receipts.
Net premiums received in cash   $128,636 31
Cash received for interest   1,2S2 25
Cash received for calls on capital stock   8,422 10
Cash received for debentures, mortgages, etc. (not extended), $20,000.
Decrease in reinsurance reserve   4,803 60
Total receipts    $143,144 26 11 Geo. 5 British Columbia. V 13
Expenditure.
Cash paid to agents for commission, salaries, and bonus   $ 19,707 60
„ for statutory assessment and licence fees           9,187 93
„ „    other expenses         16,829 95
Total expenses of management   $ 45,725 48
Net amount paid for losses occurring prior to 1920  10,493 54
Net amount paid for losses occurring during 1920  49,097 55
Cash paid for other expenditure   8,961 23
Cash paid for mortgages, debentures, etc. (not extended), $200.
Total  expenditure     $114,277 80
Returns for British Columbia.
Deposit with Government, cash    $ 5,000 00
Other assets   242 22
Liabilities     465 19
Premiums written, less return premiums   648 00
Losses incurred, net  300 00
Losses paid, net   300 00
Net amount at risk    9,650 00
LONDON & PROVINCIAL MARINE & GENERAL INSURANCE COMPANY, LIMITED.
Head Office—London, England.
Directors.
Edwin Gray, Chairman. Richard de Neufville.
James W. Arbuthnot. Herbert E. Secretan.
. James Hamilton. . William M. Strachan.
Irving H. Cortazzi, Secretary.
Authorized capital      £1,000,000
Amount subscribed         1,000,000
Amount paid        100,000
Statement for the Year ended December 31st, 1920.
Assets.
By Mortgages— £ s.   d.
On property within the United Kingdom    £14,000   0   0
On property out of the United Kingdom     26.133 18   1
On policies of life assurance        3,400   0    0
 43,533 18    1
Investments (valued as at December 31st, 1919; investments made since that
date are valued at cost)   1,217,634   4   2
Due from other companies and agents        91,347 14    2
Interest accrued but not payahle         11,630   6   5
Cash on deposit at bankers and in hand         36,955 10   0
Sundry debtors    2,607 11   9
Lease and furniture, Fire Department   658 15   6
Policy stamps in hand   971 17   0
Total assets   £1,405,339 17    1 V 14                         Report op the Superintendent op Insurance, 1921
Liabilities.
£          s. d.
To Authorized capital, 100,000 shares of £10 each = £1,000,000.
Paid up capital, 100,000 shares of £10, £1 paid  100,000   0 0
Marine Insurance Fund   572,823 14 7
Fire and Accident Insurance Fund   5,887 16 3
Profit and Loss Account    37,6S5    6 6
General Reserve Fund  200,000   0 0
Investment Reserve Fund   125,000   0 0
Claims admitted or intimated but not paid—
Marine    £7,884   4    7
Fire      2,142 19    6
  10,027    4 1
Outstanding charges and reserve for Government taxes   278,2S7   1 10
Due to other companies and agents   72,951 IS 2
Bills payable   2,663   4 6
Unclaimed dividends    13 11 2
Total liabilities £1,405,339 17 1
MARITIME INSURANCE COMPANY, LIMITED.
Head Office—Liverpool, England.
Directors.
Edward Hatton Cookson, Chairman. James Allan Cook.
Johan Frederick Caroe. Harold Sumner.
William Charles Aikman. Jasper Muirhead Wood.
John Crosby Nicholson, Secretary.
Authorized capital £1,000,000
Amount subscribed       500,000
Amount paid up      100,000
Statement for the Year ended December 31st, 1920.
Assets.
£         s. d.
By Investments      1,205,946 19 0
Sundry debtors        182,659 17 0
Interest and dividends accrued, but not payable until after Dec. 31st, 1920 ..         5,213 13 11
Cash on deposit, in hand, and on current account       116,379   6 6
Total assets £1,510,199 16   5
Liabilities.
£ s.  d.
To Shareholders' capital paid up        100,000   0    0
General Reserve Fund        200,000   0   0
Underwriting Fund        765,144 17   0
Profit and Loss Account      178,341   3 10
£1,243,4S6   0 10
Sundry creditors      266,713 15    7
Total liabilities    £1,510,199 16   5 11 Geo. 5 British Columbia. V l.T
NATIONAL PLATE GLASS INSURANCE COMPANY.
Head Office—Winnipeg, Man.
Amount deposited with the Government of British Columbia:   City of Salmon Arm bonds,
$5,000;   City of Nelson bonds, $300;   City of Alberni bonds, $210;   total (par), $5,510.
No business transacted in British Columbia during 1920.
NEW ZEALAND INSURANCE COMPANY, LIMITED.
Head Office—Auckland, New Zealand.
No report received from this company.
THE OCEAN MARINE INSURANCE COMPANY, LIMITED.
Head Office—London, England.
Directors.
Hon. Charles Napier Lawrence, Chairman. Philipp Moritz Deneke.
Sir Alex. Drake Kleinwort, Bt. Maurice Ruffer.
Herbert Robinson Arbuthnot. Philip Secretan.
Harry Cunningham Brodie. David Nairn Shaw.
James Blyth Currie.
H. T. Russell Ross, Secretary.
Capital authorized and subscribed £1,000,000
Amount paid up      100,000
Statement for the Year ended December 31st, 1920.
£         s. d.
British Government securities   492,746 15 0
Public Boards, United Kingdom   25,825   0 0
Municipal and county securities, United Kingdom   40,495    0 0
Indian and Colonial Government securities  68,205    0 0
Colonial municipal securities   20,775   0 0
Foreign Government securities   134,248 17 1
Foreign municipal securities    74,856 18 4
Guaranteed and other Indian railway stock   11,225    0 0
Indian Government railway annuities  9,275   0 0
Railway and other debentures, home and foreign   151,879    5 0
Railway preference and guaranteed stocks   7,531   5 0
Railway and ordinary stocks  9,901    0 0
Loans on stocks and shares   233,437 10 0
£1,280,401 10 5
Freehold premises   124,000   0 0
£1,404,401 10 5
Agents' balances     142,942   9 11
Outstanding premiums, etc  143,048 16 9
Bills receivable  115 10 7
Interest accrued but not yet payable   11,426   4 7
Policy stamps on hand   465   0 10
Cash-
On deposit   57,390   6 1
In hand and on current account   6,053   4 11
Total  assets    £1,765,843   4 1 V 16 Report op the Superintendent op Insurance, 1921
Liabilities.
£ s.   d.
Capital, 40,000 shares of £25, paid up £2 10s. per share (now vested in the North
British and Mercantile Insurance Company)        100,000   0   0
Marine Fund—
Reserve    £500,000   0   0
Profit and loss    231,333   9    2
     731,333   9   2
Balance of Underwriting Account, 1919       177,125 18   0
Balance of Underwriting Account, 1920       376,742   3 10
Sundry creditors        380,641 13    1
Total liabilities    , £1,765,843    4   1
THE RELIANCE MARINE INSURANCE COMPANY, LIMITED.
Head Office—Liverpool, England.
Directors.
Gilbert W. Fox, Chairman. The Hon. Evelyn Hubbard.
J. U. Hodgson. R. A. Love.
George Atherton. J. J. Ritchie.
Lieut.-Col. F. R. S. Balfour. R. W. Sharpies.
Oswald Dobell.
F. R. Edwards, Secretary.
Authorized capital  £500,000
Amount subscribed      500,000
Amount paid up    100,000
Statement for the Year ended December 31st, 1920.
Assets. £ s.  d.
By Investments at market value £534,365 16    5
Less loans on war stock      10,000   0   0
  524,365 16 5
Policy stamps  136 18 1
Interest accrued but not received  4,319   8 1
Accounts due to the Company for premiums, salvages, etc  174,077   3 10
Cash at bankers and in hand  3,891 18 7
Total  assets       £706,791    5    0
Liabilities.
£ s. d.
To Capital, 50,000 shares at £10 per share, £500,000;  paid up, £2 per share  100,000 0 0
Reserve Fund    200,000 0 0
Balance of Profit and Loss Account  £47,715    9    5
Less interim dividend paid November 30th, 1920   10,500   0   0
  37,215 9 5
Balance of Marine Account, 1920   146,310 0 3
Fire Insurance Fund  82,550 3 9
Suspense and Special Reinsurance Accounts   47,356 6 2
Accounts due by the Company   93,336 13 8
Dividends unpaid   22 11 9
Total liabilities     £706,791 5 0 11 Geo. 5 British Columbia. V 17
ROYAL PLATE GLASS INSURANCE COMPANY OF CANADA.
Head Office—Vancouver, B.C.
Directors.
Dr. D. H. Wilson. R. W. Harris.
J. P. Nicolls. A. P. Bogardus.
W. H. Malkin. C. A. Wickens.
Edgar S. Smith, Secretary.
Amount deposited with the Government of British Columbia:   Deposit receipt of Canadian
Bank of Commerce, $125;  Dominion War Loan bonds (par), $5,000;  total, $5,125.
Authorized capital  $25,000
Amount subscribed   10,000
Amount paid up       2,750
Statement for the Year ended December 31st, 1920.
Assets.
Cash value of mortgages, exclusive of interest  $ 2,250 00
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc.     7,060 73
Cash on deposit to the Company's credit and not drawn against on December 31st, 1920        218 89
Agents' balances and premiums uncollected        1,868 89
Interest due or accrued and unpaid   54 76
Commissions paid in advance        1,347 21
Total assets    $12,800 48
Liabilities.
Claims or losses adjusted   $    62S 76
Reserve of unearned premiums   4,490 77
Amount of all other liabilities   71 74
Total amount of liabilities   $ 5,191 27
Capital stock paid up        2,750 00
Total amount of liabilities and paid-up capital    $ 7,941 2T
Excess of assets over such total    $ 4,859 21
Receipts.
Net cash received for premiums   $ 4,925 22
Cash received for interest          731 48
Total receipts      $ 5,656 70
Expenditure.
Cash paid to agents for commission, salaries, and bonus   $ 1,477 53
„        for interest, discount, and exchange   2 01
„         „    statutory assessment and licence fees  32 18
„         „    auditor's fees    45 00
„         „   other expenditure   52 67
Total expenses of management     <j 1,609 39
Amount paid for losses occurring prior to 1920   842 94
Amount paid for losses occurring during 1920       2,155 00
Total  expenditure      $ 4,607 33
2 V 18
Report op the Superintendent op Insurance,
1921
List of Shareholders.
Name.
Residence.
No. of
Shares.
Amount
subscribed.
Amount
paid.
10
14
14
14
8
8
5
12
5
5
5
$ 1,000
1,400
1,400
1,400
800
800
500
1,200
500
500
500
$ 275 00
D. H. Wilson	
385 00
R. W. Harris	
385 00
W. H. Malkin	
385 00
C. A. Wiokens    	
220 00
P. G. Mason	
220 00
J. P. Nicolls	
137 50
Boston, U.S.A	
Binghampton, U.S.A.
n                n
330 00
M. Douglas	
137 50
R. D. Douglas	
N. S. Douglas	
137 50
137 50
100
$10,000
$2,750 00
STANDARD MARINE INSURANCE COMPANY, LIMITED.
Head Office—Liverpool, England.
Directors.
F. W. Pascoe Rutter, Chairman. Walter B. Duckworth.
Jas. W. Alsop.
John H. Clayton.
A. Percy Eccles.
Jarnes G. Nicholson.
N. B. Barnes, Secretary.
Capital authorized and subscribed £500,000
Amount paid up   100,000
Statement for the Year ended Decembeb 31st, 1920.
Assets.
£         s. d.
Investments and loans       917,709   9 4
Cash at bankers and in hand        83,180   9 0
Bills receivable             622 19 8
Sundry debtors      561,949 18 6
Accrued interest        13,965 10 9
Stamps in hand  .*             560   1 9
Total assets  £1,577,9S8    9 0
Liabilities.
£         s. d.
Capital, 25,000 shares of £20 each, £4 per share paid      100,000   0 0
Reserve Fund ■•■■     500,000   0 0
Reserve for unexpired risks       193,270   0 0
Provision for income-tax, 1920, and excess-profits duty, 1917 and 1918       128,713 15 0
Provision for corporation-tax            5,650   0 0
Balance, Profit and Loss Account       121,550   6 5
Dividend for the year 1920         56,000   0 0
Bills payable          1,499 13 7
Claims outstanding      166,S0S   0 0
Sundry creditors      304,496 14 0
Total liabilities    £1,577,988   9 0 11 Geo. 5 British Columbia. V 19
THE TOKIO MARINE & FIRE INSURANCE COMPANY, LIMITED.
Head Office—Tokio, Japan.
Directors.
M. Suyenobu, Chairman. S. Sasaki. »
K. Kagami. H. Shoda.
II. Hirao. Baron K. Sonoda.
T. Abe.
Capital authorized and subscribed  Y. 15,000,000
Amount paid up    7,500,000
Statement for the Year ended December 31st, 1920.
Assets.
Yen    sen.
Capital unpaid  7,500,000 00
Office premises, etc  1,665,000 00
Japanese Government securities   10,144,569 25
British Government securities   3,162,375 00
United States Government securities   2,142,959 16
French Government securities   485,000 00
Canadian Government securities   83,673 47
Japanese and foreign municipal bonds  1,266,999 18
United States railway and other bonds and shares   1,858,958 95
Bonds and debentures of various companies  4,669,080 00
Shares in various companies   11,328,803 97
Loans on mortgages, etc  22,0OS,472 51
Accounts due to the Company   873,797 80
Cash at bankers on deposit and current accounts and in hand   17,497,276 59
 1	
Total assets     84,686,965 88
Liabilities.
Yen   sen.
Share capital    15,000,000 00
Legal Reserve Fund      3,750,000 00
Underwriting Fund—
Underwriting Reserve '   Y. 41,600,000 00
Underwriting Suspense          9,757,985 12
  51,357,985 12
Buildings Depreciation Fund    85,000 00
Staff Pension Fund        438,575 01
Accounts due by the Company      4,939,295 74
Profit and Loss Account      9,116,110 01
Total liabilities   [   84,686,965 88 V 20
Report .op the Superintendent op Insurance,
1921
WAWANESA MUTUAL INSURANCE COMPANY.
Head Office—Wawanesa, Man.
Directors.
S. H. Henderson. J. M. Ross.
E. H. Dewart. R. Wallace.
S. Reid. A. J. Elliott.
M. McKellar.
A. F. Kempton, Secretary.
Amount deposited with the Government of British Columbia :   Dominion War Loan bonds
(par), $25,000.
Statement for the Year ended December 31st, 1920.
Assets.
Cash value in real estate, less encumbrances    $ 16,763 91
Cash value of bonds, debentures, securities, etc     291,900 00
Cash on hand at Head Office          2,179 2S
Cash on deposit to the Company's credit and not drawn against on December 31st,
1920     121,196 51
Agents' balances  472 89
Amount unpaid of instalments for year 1920         6,961 42
Amount unpaid on prior instalments (not extended), $31,924.83.
Amount unpaid of assessments which were levied during 1920        47,436 04
Amount unpaid of assessments levied in prior years       15,030 04
Amount unpaid of assessments levied in prior years (not extended), $83,605.24.
Amount of premium notes in force after deducting all payments thereon and assessments levied (not extended), $1,326,098.44.
Amount of interest due and accrued          2,614 90
Office furniture, etc. (not extended). $4,671.78.
Total assets    $504,554 99
Liabilities.
Amount required to reinsure all outstanding risks taken on cash system, being 50
per cent, of gross premiums on all cash system policies in force at December 31st,
1920      $109,460 9S
Total liabilities    $109,466 98
Receipts.
Cash received as fixed payments due in 1920  $ 12,236 69
as fixed payments due in prior years   8,412 13
for assessments levied in 1920    169,939 51
by Company for assessments levied in years prior to 1920  31,353 17
for premiums on cash system  94,623 30
for interest during 1920  14,670 94
Total receipts      $331,235 74 11 Geo. 5                                         British Columbia. V 21
Expenditure.
Cash paid for commissions or allowances of any kind to agents :  $ 54,048 S7
„         „    law costs    43 06
„    fuel and light  1,348 61
„         „    investigation and adjustment of claims   4,940 53
„         „    statutory assessment and licence fees   3S5 00
„         „    travelling expenses    3,888 70
„    taxes     3,482 95
„         „    salaries, directors' and auditors' fees   35,738 87
„         „   printing, stationery, and advertising  8,017 8S
„         „   postage, telegrams, and express   5,606 31
„         „   other expenses   3,192 63
Total expenses of management  $120,693 41
Cash paid for losses which occurred prior to 1920  128,612 50
"„   rebate, abatement, and returned premiums   5,064 32
„ „   purchase of debentures, mortgages, etc. (not extended), $45,646.
„         „   other expenditure   901 89
Total  expenditure     $254,822 12
Returns fob British Columbia.
Deposit with Government, Dominion War Loan bonds (par)  $ 25,000 00
Other assets  '.  Nil
Liabilities    405 68
Premium notes in force   12,679 55
Cash received—
Assessments    $595 95
Premiums    811 36
  1,407 31
Losses incurred, net  Nil
Losses paid, net  Nil
Net amount at risk   709,414 00 V 22 Report op the Superintendent op Insurance, 1921
THE WESTERN EMPIRE LIFE ASSURANCE COMPANY.
Head Office—Winnipeg, Man.
Directors.
William Smith, President. S. D. Hannah.
R. W. Graig. G. N. Broatch.
Dr. A. J. Fraser. G. E. Graham.
Brig.-Gen. F. M. Dyer, C.M.G., D.S.O. F. D. Byers.
F. C. O'Brien, Secretary.
Amount deposited with the Government of British Columbia:   27 Dominion Victory Loan
bonds (par), $27,000.
Authorized capital $1,000,000 00
Amount subscribed     1,000,000 00
Called capital      250,000 00
Amount paid up in cash       199,666 05
Statement for the Year ended December 31st, 1920.
Assets.
Cash value of real estate, less encumbrances  $ 15,319 60
Cash value of mortgages, exclusive of interest   71,362 03
Loans, other than those secured by mortgages   30,910 55
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc. 250,230 00
Actual cash on hand at Head Office  4,877 37
Cash on deposit to the Company's credit and not drawn against on December 31st,
1920 :  10,237 76
Agents' balances  61,363 30
Interest due or accrued and unpaid  12,451 73
Calls on capital stock outstanding in course of collection  50,333 95
Premium on stock in course of collection   111,910 10
Amount of all other assets  29,475 07
Office furniture (not extended), $4,644.60.
Total assets     $648,471 46
Liabilities.
Claims or losses adjusted  $   3,402 68
Amount of unpaid loans  34,500 00
Reinsurance reserve for life-insurance contracts in force   340,627 00
Amount clue for advertising   319 02
Amount of all other liabilities   4,152 25
Total amount of liabilities     $383,000 95
Capital stock paid up in cash      199,666 05
Total of liabilities and paid-up capital   $582,667 00
Excess of assets over such total   $ 65,824 46
Receipts.
Net premiums received in cash   $130,759 48
Cash received for interest        27,530 36
Cash received for calls on capital stock       45,970 85
Cash   received  for  debentures,   mortgages,   and   other   securities   (not  extended),
$33,769.36.
Cash from all other sources        11,484 48
Total receipts    $215,745 17 11 Geo. 5 British Columbia. V 23
Expenditure.
Cash paid to agents for commission, salaries, and bonus   $ 30,633 47
„        for law costs    591 66
„         „    medical examiners' fees    4,454 60
„         „    interest, discount, and exchange  "... 6,315 27
„         „    statutory assessment and licence fees   2,174 01
„         „    travelling expenses    1,235 00
„   rent and taxes   1,800 00
„         „    salaries, directors' and auditors' fees    17,341 00
,,         „    printing, stationery, and advertising   5,456 54
„         „    postage, telegrams, and express   1,339 90
„         „    other expenses    11,378 90
Total expenses of management  $ 82,720 35
Amount paid for losses occurring prior to 1920  $   9,531 50
Amount paid for losses occurring during 1920    16,536 90
Cash paid for dividends   151 43
Cash paid for debentures, mortgages, and other securities (not extended), $133,284.47.
Cash paid for other expenditure   664 00
Total expenditure  $109,604 18
Returns for British Columbia.
Deposit with Government, Victory Loan bonds (par)     $ 27,000 00
Assets (real estate, $15,319.60; mortgages, $12,400; loans, $1,473.90; cash, $3,138.12;
agents' balances, $4,048,50;  interest, $836.63; premium on stock, $100; automatic
loans, $1,490.60)     65,807 35
Liabilities     18,347 50
Premiums  received     12,870 44
Losses incurred, net    1,000 00
Losses paid, net   3,500 00.
Net amount at risk   395,650 00 V 24
Report op the Superintendent op Insurance,
1921
THE WORLD MARINE & GENERAL INSURANCE COMPANY, LIMITED.
Head Office—London, England.
Directors.
Sir Ivor Philipps, K.C.B., D.S.O., M.P., Chairman.
Herbert Ballard. A. R. Marshall.
Norman S. Douglass. J. Robertson.
John Godwin. The Hon. J. C. Maxwell Scott.
Sir John B. Wimble, K.B.E.
Irving H. Cortazzi, Secretary.
Capital authorized and subscribed £250,000
Amount paid up    100,000
Statement for the Year ended December 31st, 1920.
Assets.
£ s.   d.
By Investments at cost    1,126,766   3    2
Due from other companies and agents        99,446   6 11
Outstanding premiums          35,205    6    1
Interest accrued but not payable         7,715 17 11
Cash-
On deposit  £20,000    0   0
In hand and on current account   13,326    9   5
       33,326   9    5
Policy stamps in hand   873   4   6
Total  assets £1,303,333    8   0
Liabilities.
To Capital authorized, 50,000 shares of £5 each = £250,000. £         s. d.
Capital issued, 50,000 shares at £5 each, £2 paid  100,000   0 0
General Reserve Fund   200,000   0 0
Fire Insurance Fund  64,028 14 6
Marine Insurance Fund   034,371 14 4
Investment Reserve Fund    83,000   0 0
Profit and Loss Account   30,132 12 3
£1,012,133    1    1
Claims admitted or intimated but not paid, fire  3,532   3 11
Outstanding charges and reserve for Government taxes       253,946 16   0
Due to other companies and agents         33,664 19    8
Bills payable  33 14   4
Unclaimed dividends  22 13   0
Total liabilities   £1,303,333   8   0 11 Geo. 5
British Columbia.
V 25
LIST  OF   COMPANIES  LICENSED  UNDER  THE  "BRITISH  COLUMBIA  FIRE
INSURANCE ACT," DECEMBER 31st,  1920.
Name of the Company and Head Office.
Attorney to receive Process in British
Columbia.
(Corrected to June 30th,  1921.)
The  Acadia Fire Insurance Company,  Halifax, N.S	
Aetna  Insurance  Company,  Hartford,  Conn	
Agricultural  Insurance  Company,  Watertown,  N.Y	
Alliance  Assurance  Company,  Limited,  London, England	
Alliance   Insurance   Company   of   Philadelphia	
American  Alliance  Insurance. Company,  New York,  N.Y	
American  Central  Insurance  Company,  St.  Louis,  Missouri	
American Equitable Assurance Company of New York, N.Y	
Atlas  Assurance  Company,  Limited,  London,  England	
Beaver Fire Insurance Company, Winnipeg, Man	
Boston  Insurance  Company,  Boston,  Mass	
British America Assurance Company, Toronto, Ontario	
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...
British Traders' Insurance Company, Ltd., Victoria, Hong Kong..
Caledonian American Insurance Co., New York, N.Y	
Caledonian  Insurance  Company,  Edinburg, Scotland	
California Insurance Company,  San Francisco, Cal	
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, Eng	
The Century Insurance Company, Limited, Edinburgh,  Scotland..
The China Fire Insurance Company, Ltd., Victoria, Hong Kong..
Citizens Insurance Company of Missouri, St. Louis, Mo	
Columbia  Insurance  Co.,  Jersey  City,  N.J,	
Commercial Union Assurance Company, Limited, London, England
Commercial  Union Fire Insurance Company of New York	
Connecticut  Fire   Insurance  Company,  Hartford,   Conn	
Continental Insurace Compay, New York, N.Y	
Dominion Fire Insurance Company, Toronto, Ont	
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.
Equitable Fire & Marine Insurance Company, Providence, R.I....
Essex and Suffolk Equitable Insurance Society,  Ltd., London, Eng.
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	
General Accident Assurance Company of Canada, Toronto, Ont...
General Accident Fire & Life Assurance Corporation, Limited,
Perth, Scotland
General Fire Assurance Company, Paris, France	
Girard  Fire  & Marine  Insurance  Company,  Philadelphia,   Pa	
Glens Falls Insurance Company, Glens Falls, N.Y	
Globe & Rutgers Fire Insurance Company, New York, N.Y	
Globe Indemnity Co. of Canada, Montreal, Que	
Great  American  Insurance  Company,   New  York,   N.Y	
Guardian Assurance Company, Limited, London, England	
Guardian Insurance Company of Canada, Montreal, Que	
Hartford  Fire  Insurance  Company,   Hartford,   Conn	
Home  Insurance  Company,  New  York,  N.Y	
Hudson   Bay  Insurance   Company,   Montreal,   Que	
flmperial Guarantee & Accident Insurance Company of Canada,
Toronto.  Ont.
Imperial  Underwriters Corporation  of Canada,  Toronto,  Ont	
Insurance Company of North America,  Philadelphia, Pa	
The Insurance Company of the State of Pennsylvania, Philadelphia, Pa.
Law, Union & Rock Insurance Company, Limited, London, England
Liverpool & London & Globe Insurance Company, Limited, Liverpool, England
Liverpool-Manitoba Assurance Company, Montreal, Que	
fLondon & Lancashire Guarantee & Accident Company of Canada,
Toronto, Ont.
London & Lancashire Insurance Company, Ltd., Liverpool, Eng...
London  Assurance  Corporation,   London,   England '
London Guarantee & Accident Co., Ltd., London, England	
London Mutual Fire Insurance Company of Canada, Toronto, Ont.
Marine Insurance Company, Limited, London, England	
Mechanics & Traders Insurance Company, New Orleans, La	
Mercantile  Fire  Insurance  Company,  Waterloo,  Ont	
Merchants Fire Assurance Corporation of New York, N.Y	
Millers  National  Insurance Company,  Chicago,  111	
The Motor Union  Insurance Co.,  Ltd.,  London,  England	
Mount 'Royal Assurance Company,  Montreal, Que	
National Ben Franklin Fire Insurance Company, Pittsburgh, Pa...
F. W. Rounsefell, Vancouver.
J. E. Kinsman, Victoria.
J.  J.  Banfield, Vancouver.
W.  A.  Anderson  and  H.  Miskin,  Van-
C. N. Corwin, Vancouver. [couver.
O. D. Lampman, Vancouver.
D. W.   Campbell,  Victoria.
C.  G.  Hobson,  Vancouver.
John S. Gall,  Vancouver.
Waghorn, Gwynn & Co., Ltd., Vancouver.
E. C. Jahour, Vancouver.
P.  R.  Brown,  Victoria.
E. B.  McDermid, Vancouver.
A.  S.  Matthew,  Vancouver.
J. H. Gillespie, Victoria.
E. G. McCandless, Vancouver.
C. R. Elderton, Vancouver.
Fred Burgess, Vancouver.
Fred Burgess, Vancouver.
A.  W.  Ross, Vancouver.
A.  W.  Ross, Vancouver.
R. W. Perry, Victoria.
J.  J.  Banfield, Vancouver.
A. McC. Creery.
F. C. Paterson, Victoria.
Wm. Savage, Vancouver.
J. H. Lawson, Vancouver.
Thos. W. Greer. Vancouver.
O. E. Elderton, Vancouver.
Chas. H. Macaulay, Vancouver.
F. W.  Rounsefell,  Vancouver.
A. W. Ross, Vancouver.
A. W. Ross, Vancouver..
Eobt.  H. iSwinerton,  Victoria.
W. A. Lawson, Vancouver.
G. H. L. Hobson, Vancouver.
J. C. Stuart, Vancouver.
R. J.  Loewen and R. G. Harvey, Vancouver.
Jas. A. Young.
A. M. Pound, Vancouver.
John G. Elliott, Victoria.
Arthur Coles, Victoria.
Leeming Bros., Ltd., Victoria.
C.  G.  Hobson, Vancouver.
E. D. Todd, Victoria.
C. B. Whitney, Vancouver.
George  Rorie,  Vancouver.
E. J. Enthoven, Vancouver.
A. W. McLeod, Vancouver.
Richard  It.   Smith,  Vancouver.
J. C. Thorn, Vancouver.
A. McC.  Creery, Vancouver.
F. W. Rounsefell, Vancouver.
>.  Burke.  Vancouver.
W. S. Day, Victoria.
R. G. Heddle, Vancouver.
George Allan Kirk,  Victoria.
H.  W. Dyson, Vancouver.
F. W.  Walker, Vancouver.
Donald  Cramer, Vancouver.
A.  Waring Giles,  Vernon.
'. N. Corwin, Vancouver.
H. A. Robertson.  Vancouver.
Wm. Thompson, Vancouver.
R.  C. Hall, Victoria.
L. U. Conyers, Victoria.
Wm. Thompson, Vancouver.
Wm. Thompson, Vancouver.
Harold B. Girdwood, Victoria.
J.  H.  Watson, Vancouver.
Christopher  G.  Hobson,  Vancouver.
W. W. Johnston, Vancouver.
W. S. Holland, Vancouver.
Wm. Thompson, Vancouver.
C. G. Hobson, Vancouver.
C. G. Hobson, Vancouver.
W. W. Johnston. Vancouver.
C. G. Hobson, Vancouver.
J.  H.  Johnston, Victoria. V 26
Report of the Superintendent of Insurance,
1921
LIST OF COMPANIES LICENSED UNDER THE "BRITISH COLUMBIA FIRE
INSURANCE ACT," DECEMBER 31st, 1920— Continued.
National Benefit Assurance Co.,  Ltd., London,  England	
National Fire Insurance Company of Hartford, Hartford, Conn...
The Nationale Fire Insurance Company, Paris,  France	
National   Union   Fire   Insurance   Company,   Pittsburgh,   Pa	
Newark  Fire  Insurance  Company,  Newark,  N.J	
New Hampshire Fire  Insurance Co.,  Manchester,  N.H	
New  Jersey  Insurance Company,  Newark,  N.J	
Niagara E"ire 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,  Winnipeg,  Man	
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.. .
Ocean Accident & Guarantee Corporation, Limited, London, Eng...
Occidental   Fire  Insurance  Company,  Winnipeg,   Man	
Pacific  Coast  Fire  Insurance  Company,   Vancouver,   B.C	
The  Pacific  Marine  Insurance   Co.,   Vancouver,   B.C	
Palatine   Insurance  Company,   Limited,   London,  England	
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	
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	
Royal   Exchange   Assurance.   London.   England	
Royal  Insurance Company,  Limited,  Liverpool,  England.	
The  Royal   Scottish  Insurance  Co.,  Ltd.,   Glasgow,  Scotland	
St.  Paul Fire & Marine Insurance  Company.  St.  Paul,  Minn	
Scottish Metropolitan Assurance Co., Ltd., Edinburgh, Scotland..
Scottish Union & National Insurance Company, Edinburgh, Scotland
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	
The Traders & General Insurance Association,  Ltd., London, Eng.
Union  Assurance  Society, Limited,   London, England	
The Union Fire Insurance Company, Paris.  France	
Kong..
ngland.
|| Union Fire and Casualty Company   	
Union Insurance Society of Canton, Ltd., Victoria, Hon_
Union Marine Insurance  Company, Limited,  Liverpool.  E:
United  States  Fire Insurance Company.  New York,  N.Y
Vulcan  Fire  Insurance  Company of Oakland,  Cal	
TIThe Wawanesa Mutual Insurance Co., Wawanesa, Man.   .
Western   Assurance   Company,   Toronto.   Ont	
Westchester Fire Insurance Company, New York. N.Y...
The Yang-tsze Insurance Association,  Limited,  Shanghai, China
Yorkshire Insurance  Company,  Limited,  York,  England	
Dale & Company.  Limited, Vancouver.
H. T. Barnes, Victoria.
C. G. Hobson,  Vancouver.
E. E. Rand. Vancouver.
F. W. Walker, Vancouver.
iJ. C. Jahour, Vancouver.
H. A.  Robertson.  Vancouver.
D. Leeming, Victoria.
J. Edward Sears. Vancouver.
R.  H.  Budd,  Vancouver.
John  W.  Wilson,  Vancouver.
Bernard C. Mess, Victoria.
Chas. H. C. Payne, Victoria.
N. B. Whitley, Vancouver.
W. B. Blane, Vancouver.
B. S.  Heisterman,  Victoria.
John R. Hannah, Vancouver.
A. E.   Short, Vancouver.
Thos.  W.  Greer, Vancouver.
Leslie  H.   Wright,  Vancouver.
A. W. Ross,  Vancouver.
J. A.  Griffith,  Victoria.
F. W. Rounsefell. Vancouver.
Arthur E. Haynes, Victoria.
Richard  W.   Douglas,   Vancouver.
W.   B.  Blane,   Vancouver.
Wm.  Thompson,  Vancouver.
tiithet Consolidated, Limited, Victoria.
C. Gardner-Johnson,  Vancouver.
P.  H. Grant, Vancouver.
H. G. Lawson, Jr., Victoria.
F. W. Walker, Vancouver.
J. H. Watson, Vancouver.
B. S. Heisterman, Victoria.
Lawrence  W.  Peel,  Vancouver.
Pemberton &  Son, Victoria.
Chas. H. Macaulay, Vancouver.
H.-R. Budd,  Vancouver.
H.  A.  Robertson, Vancouver.
P.  B. Pemberton, Victoria.
C. D. J. Christie, Vancouver.
D. C. McGregor,  Vancouver.
Franco-Canadian   Company,   Limited,
Vancouver.
Gordon Bell, Vancouver.
C. R. Elderton, Vancouver.
C.  H. Maculay, Vancouver.
H.  A.  Robertson.  Vancouver.
T. W. Greer, Vancouver.
W. W. Kempton, Lumby.
R. W. Douglas, Vancouver.
R. P. Clark, Victoria.
B. G. D. Phillips, Vancouver.
II. 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 " 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.
|| Deposit: Dominion War Loan bonds, $13,600; Toronto Harbour Commission bonds, $20,000.
(Includes deposit under "Insurance Act")
liDeposit.:   Dominion War Loan bonds, $2-5,000.
Note.—Licensed since December 31st. 1920 :—
* Merchants Casualty Company, Winnipeg, Man.;   J. B. Love, Vancouver.
The Merchants Marine Insurance Company, Ltd., London, England ;   Jas. A. Young, Vancouver.
Reliance Insurance Company of Canada, Montreal, Quebec:   Chas. V. Wakely, Vancouver.
Scottish Canadian Assurance Corporation, Toronto, Ont.; Alfred W. McLeod, Vancouver.
* Licensed under " British Columbia Fire Insurance Act " limited to insurance of automobiles against
tire. Also licensed under " Insurance Act " to transact accident (excluding employers' liability) and sickness
insurance. LIST OF COMPANIES LICENSED UNDER THE " INSURANCE ACT," DECEMBER 31st, 1920.
V 27
Name of Company and Head Office.
Attorney  to  receive  Process  in  British
Columbia.
(Corrected to%June 30th,  1921.)
Description of Insurance Business for which Licensed.
(Corrected to June 30th, 1921.)
JEtna Insurance Co., Hartford, Conn	
Mtna. Life Insurance Co., Hartford, Conn	
Alliance Assurance Co., Ltd., London, Eng	
Alliance Insurance Co. of Philadelphia, Pa	
American  Alliance  Insurance Co.,  New York,  N.Y	
American Central Insurance Company,  St.  Louis,  Mo	
The Boiler Inspection & Insurance Co. of Canada, Toronto, Ont	
Boston  Insurance  Co.,   Boston,   Mass	
The British and Foreign Marine Insurance Co., Ltd., Liverpool, Eng.   ,
British  America Assurance  Co., Toronto,  Ont ,
(1.)  The British Columbia Plate Glass Insurance Co., Vancouver, B.C.
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 Eire Insurance Company, Winnipeg,  Man.   ,.x.	
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.
Columbia  Insurance  Company,  Jersey  City,  N.J	
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 Crown Life Insurance Co., Toronto, Ont	
Dominion Gresham Guarantee & Casualty Co.,  Montreal,
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.
Que.
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 Phenix Fire Insurance Co., New York, N.Y	
Fireman's  Fund 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 Corpn., Ltd., Perth, Scotland
General Animals Insurance  Co. of Canada,  Montreal,  Que	
Glens Falls Insurance Co., Glens Falls, N.Y	
Globe & Rutgers Fire Insurance Co., New York, N.Y.
Globe Indemnity Co. of Canada, Montreal, Que.
Great American Insurance Co., New York, N.Y.
(2)  Great North Insurance Company, Calgary, Alta.   ......
The Great West Life Assurance Co., Winnipeg, Man	
The Guarantee Company of North America,  Montreal,  Que.
Guardian Insurance Co. of Canada. Montreal, Que	
Hartford Accident and Indemnity Company, Hartford, Conn.
Hartford Fire Insurance Co., Hartford, Conn	
Home Insurance Co., New York, N.Y	
Imperial Guarantee & Accident Insurance Co. of Canada, Toronto, Ont.
Imperial Life Assurance Co. of Canada, Toronto, Ont	
Insurance Company of North America, Philadelphia, Pa	
Law, Union & Rock Insurance Co., Ltd., London, Eng	
Liverpool-Me^itOua, Assurance Company, Montreal, Que	
Lloyds Plate Glass Insurance Co., New York, N.Y	
The London & Lancashire Guarantee & Accident Co. of Canada, Toronto, Ont.
London & Provincial Marine & General Insurance Co., Ltd., London, Eng.   . . .
London & Scottish Assurance Corporation, Limited, London, Eng	
London  Assurance Corporation,  London,  Eng.	
London Guarantee & Accident Co., Ltd., London, Eng	
London Mutual Fire Insurance Company, Toronto, Ont	
The London Life Insurance Co., London, Ont	
Loyal Protective Insurance Co., Boston, Mass.	
Lumbermen's Mutual Casualty Company, Chicago^IH	
The Manufacturers Life Insurance Co., Toronto, Cist	
The Marine Insurance Co., Ltd., London, Eng ,	
Maritime Insurance Co., Ltd., London, Eng	
Maryland  Casualty Co.,  Baltimore,  Maryland	
Merchants  Casualty  Co.,   Winnipeg,   Man	
Metropolitan Life Insurance Co., New York, N.Y	
The Monarch Life Assurance Co., Winnipeg, Man	
The Motor Union Insurance Company, Limited, London, Eng	
Mutual Life Assurance Co. of Canada, Waterloo, Ont	
The Mutual Life Insurance Co. of New York, N.Y	
National Benefit Assurance Company, Ltd., London, Eng	
National Fire Insurance Co. of Hartford, Hartford, Conn.   .	
National Life Assurance Co. of Canada, Toronto, Ont	
National Provincial Plate Glass & General Insurance Co., Ltd., London, Eng
National  Surety  Co.,  New  York,  N.Y	
Newark Fire Insurance Co., Newark, N.J.  . .	
New Jersey Insurance Company, Newark, N.J.
New York Life Insurance Co., New York, N.Y	
New York Plate Glass Insurance Co., New York, N.Y	
New Zealand Insurance Company, Ltd., Auckland, New Zealand
Niagara Fire Insurance Co., New York, N.Y	
The North American Accident Insurance Co., Montreal   	
North  American  Life  Assurance  Co.,  Toronto,   Ont	
Northern Assurance Company,  Ltd.,  London,  Eng	
Northern Life Assurance Co. of Canada, London, Ont	
Northwestern Mutual Fire Association, Seattle,  Wash	
Northwestern National Insurance Co., Milwaukee, Wis	
Norwich Union Fire Insurance Society, Ltd., Norwich, Eng.
Norwich Union Life Insurance Society, Norwich, Eng	
The Ocean Accident & Guarantee Corporation, Ltd., London, Eng
Ocean Marine Insurance Co., Ltd., London, Eng	
Occidental Fire Insurance  Company,  Winnipeg,  Man	
Pacific Marine Insurance Company, Vancouver,  B.C	
The Palatine Insurance Company,  Limited,  London,  Eng	
Phoenix Assurance Co., Ltd., London, Eng	
Phoenix  Insurance  Co.,  Hartford,   Conn	
Preferred Accident Insurance Company of New York, N.Y	
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   	
Railwav Passengers Assurance Co., London, Eng	
The Ridgely  Protective Association,  Worcester,  Mass	
Reliance Marine Insurance Co., 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 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 Life Assurance Co. of Canada, Montreal, Que	
Tokio Marine & Fire Insurance Co., Tokio, Japan   	
Travelers Indemnity Company,  Hartford,  Conn	
The Travelers  Insurance Co.,  Hartford,  Conn	
Travellers Life Assurance Co.  of Canada, Montreal,  Que	
(5.)   Union Fire and Casualty Company  	
Union Insurance Society of Canton, Ltd., Victoria, Hong Kong
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 Lloyds,  Inc., New York, N.Y	
Western  Assurance  Company,   Toronto,   Ont	
Western Casualty Company, Denver, Col	
(4)  Western Empire Life Assurance Co., Winnipeg, Man	
Western Life Assurance Co., Winnipeg, Man	
Westchester Fire Insurance Company, New York, N.Y	
The World Marine & General Insurance Co., Ltd., London, Eng
The Yang-tsze Insurance Association, Ltd., Shanghai, China . .
Yorkshire Insurance Co., Ltd., York, Eng	
J. E. Kinsman, Victoria  	
John  F.   Brandt,  Vancouver   	
W. Anderson and H. Miskin, Vancouver.
C. N. Corwin, Vancouver   	
O.  D.  Lampman,  Vancouver
D. W. Campbell, Victoria	
R.  V.  Winch & Co., Ltd., Vancouver
E. C. Jahour, Vancouver	
B.   C.   Mess,   Victoria   	
P.  R.  Brown,  Victoria   	
Head   Office,   Vancouver    	
A. Sr Matthew, Vancouver  	
C. R. Elderton, Vancouver  ..
A.  W.  Ross,  Vancouver
F.  W.  Marsh,  Vancouver   . . .
J. J. Banfield. Vancouver  . . .
F. C. Paterson, Victoria
William   Savage,   Vancouver
Wm.  Monteith & Co., Ltd., Victoria
W. D.  Kennedy, Vancouver   	
J.  H.   Lawson,  Vancouver   	
F. W. Rounsefell, Vancouver  	
EI. R. Glass, Vancouver	
A. S. Matthew, Vancouver
W. A. Lawson, Vancouver
N. B. Bailey, Vancouver  	
F. R. McD. Russell, Vancouver  	
B. S. Brown, Vancouver	
N. T. Truell, Vancouver  	
J.  C.  Stuart, Vancouver   	
R. J. Loewen and R. G. Harvey, Vancouver
Jas. A. Young, Vancouver .
A. M. Pound, Vancouver . .
F. J. Gillespie, Vancouver
Seeley & Co., Vancouver .
Arthur  Coles,  Victoria   .. .
E. D. Todd, Victoria  	
C. B. WThitney, Vancouver .
W. F. Sangster, Vancouver
E. J. Enthoven, Vancouver .
R. W. Douglas, Vancouver .
J.   C.   Thorn,   Vancouver   .
A. McC. Creery, Vancouver
F. W. Rounsefell, Vancouver
S.  Burke, Vancouver   	
J.   Edward  Bird,  Vancouver
J. A. Johnson, Vancouver . . .
C. A. Holland, Victoria	
W. E. Graveley, Vancouver . .
R. H. Budd, Vancouver	
G.  A.  Kirk, Victoria   	
II. W. Dyson, Vancouver
D. Cramer, Vancouver  . .
Stanley Henderson, Vancouver
C. N. Corwin, Vancouver   ....
Wm.  Thompson,  Vancouver   .
L. U. Conyers, Victoria	
C. A. MacMorran, Vancouver
Wm. Thompson, Vancouver ..
R. V. Winch & Co., Ltd., Victoria
Lawrence W. Peel, Vancouver . . .
R. V. Winch & Qq^IA^ Victoria
J. II. Watson,. Tancouve    	
C. G. Hobson, Vancouve {	
William  B.  Ryan, Victory     	
G. H. Grant, Vancouver	
J. H. Constantine, Vancouver ....
W. 15. Barwis, Vancouver	
W. W. Johnston, Vancouver ....
R. P. Rithet & Co., Ltd., Victoria
H. T. Barnes, Victoria	
J. B. Love, Vancouver	
P.   Winterborne,  Victoria   	
R. W. Harris, Vancouver  	
W. W. Johnston, Vancouver	
W. J. Twiss, Vancouver	
A. Callander, Vancouver	
J. T. Summerfield, Vancouver . . .
H. T. Barnes, Victoria	
Lindley Crease, Victoria  .. . .
F. w. Rounsefell, Vancouver
R. V. Winch, Vancouver
F. W. Walker, Vancouver . . .
H. A. Robertson, Vancouver
R. A. Durham, Vancouver	
A. S. Matthew, Vancouver  	
Dale & Company, Limited, Vancouver
D. Leeming, Victoria  	
J. E. Sears, Vancouver  	
Ellis W. Keenleyside, Vancouver  . . .
R. V. Winch & Co., Ltd., Vancouver
W. H. Clarke, Vancouver	
N. B. Whitley, Vancouver	
W. B. Blane, Vancouver	
B. S. Heisterman, Victoria	
B. S. Heisterman, Victoria  	
J. R. Hannah, Vancouver	
R. V. Winch & Co., Ltd., Victoria
A. E. Short, Vancouver	
L. H. Wright, Vancouver	
A. W. Ross, Vancouver	
F. W. Rounsefell, Vancouver  ....
A. E. Haynes, Victoria	
J. S. Gall, Vancouver  	
F. G. Bell, Vancouver  . .,	
B. F. Ogilvie, Vancouver	
Rithet Consolidated, Limited, Victoria
C. Gardiner Johnson,  Vancouver   ....
P. II. Grant, Vancouver  	
John Dunlop, Nelson  	
Rithet Consolidated, Limited, Victoria
H. G. Lawson, Jr., Victoria	
F. W. WTalker, Vancouver	
Head Office, Vancouver  .	
B. S. Heisterman, Victoria	
Lawrence W. Peel, Vancouver  	
F. B. Pemberton, Victoria  	
V. L. Stokoe, Vancouver	
J. W. Kerr, Vancouver  	
C. Gardiner Johnson, Vancouver	
R. H. Budd, Vancouver  	
H. O. Leach, Vancouver  	
B. G. D. Phillips, Vancouver \
R. C. Hall, Victoria  	
R. C. Hall, Victoria	
J. D.  Mather, Vancouver  .
Gordon Bell, Vancouver .. .
C. R. Elderton, Vancouver
C. H. Macaulay, Vancouver
Viggo F. Laursen, Vancouver
Leslie II. Wright, Vancouver
H. A. Robertson, Vancouver  .
B. G. D. Phillips, Vancouver
R. W. Douglas, Vancouver  ..
W. H. Biegel, Vancouver  . . . .
C. Wilson, Vancouver .......
C. E. Mahon, Vancouver
R. P. Clark, Victoria	
B. C. Mess, Victoria ........
B. G. D. Phillips, Vancouver
H. W. Dyson, Vancouver .. . .
♦Automobile, marine, tornado, and inland transportation.
Life.
* Marine, accident, sickness, guarantee, automobile, burglary, plate glass, and
hail.
* 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.
Steam-boiler.
♦Marine.
Marine, inland transportation, and sprinkler leakage.
*Hail, ocean, marine, inland marine, inland transportation,  and automobile.
Plate glass.
Automobile  (excluding insurance against loss by reason of bodily injury to
the person).
♦Automobile and marine.
♦Accident, sickness, plate glass, guarantee, burglary, and automobile.
Life.
♦Automobile.
♦Automobile.
Guarantee, burglary, plate glass, and automobile. (Also licensed under
" B.C. Fire Insurance Act " to insure automobiles against loss or damage
by fire.)
Marine.
Life.
♦Accident, hail, automobile, and sickness.
* Automobile   (excluding insurance against loss by reason of bodily injury to
the person)  and inland transportation.
Life.
Accident, sickness, and automobile.
♦Tornado,   explosion   (including  riot  and   civil   commotion),   and  automobile
(excluding  insurance  against  loss  by  reason   of  bodily   injury   to   the
person).
Life.
Life.
Accident, sickness, guarantee, burglary, and automobile.
Life.
*Accident, guarantee, sickness, burglary, and plate glass.
♦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,  and plate
glass.
Automobile  (excluding insurance against loss by reason of bodily injury to
the person).
Life.
Accident, sickness, burglary, steam-boiler, and plate glass.
♦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   insurance   against   loss  or   damage   to
automobiles by accident, burglary, or theft.
* Marine. x
♦Accident, sickness, steam-boiler, guarantee, and automobile.
Automobile   (excluding insurance against loss by reason of bodily injury to
the person).
Live  stock.
*Hail,   tornado,  automobile,  explosion   (including  riot  and  civil  commotion)
and   inland   transportation.
* Inland   transportation.    Automobile   (excluding   insurance   against   loss   by
reason of bodily injury to the person), explosion   (except upon steam-
boilers,  pipes,  fly-wheels,  engines,  and machinery  connected  therewith
or operated thereby), and marine.
♦Accident,  sickness,  burglary,  automobile,  guarantee,  and forgery.
♦Hail,   tornado,   sprinkler   leakage,   marine,   automobile   (excluding  insurance
against loss by reason of bodily injury), explosion   (including riot and
civil  commotion),  and inland transportation.
Live stock.
Life.
Guarantee.
♦Accident,   sickness,   guarantee,   plate  glass,  burglary,  and  automobile.
Accident, automobile, burglary, guarantee, live stock, plate glass, and sickness.
♦Hail, explosion  (including riot and civil commotion), inland transportation,
cyclone  or  tornado,   sprinkler  leakage,   and   insurance   against  loss   or
damage to automobiles by accident, burglary, or theft.
* Automobile,  sprinkler leakage,  hail,  tornado,  and explosion   (including riot
and civil commotion).
Guarantee,  accident,  sickness,  automobile,  and  plate  glass.     (Also  licensed
under "B.C. Fire Insurance Act" to transact the business of insurance
of automobiles against fire.)
Life.
♦Inland transportation, automobile  (excluding injury to the person), marine,
and explosion  (including riot and civil commotion).
* Accident, sickness, burglary, plate glass, and automobile.
♦Explosion (including riot and civil commotion).
Plate glass.
Accident,  sickness, guarantee, plate glass,  automobile,  burglary,  and  insur-
against loss or damage occasioned by larceny,  theft, or stealing from
the person by violence, threat, hold-up or otherwise.
Marine.
Life.
* Marine, automobile, inland marine, and inland transportation.
* Accident,  sickness,  guarantee,  and  burglary.
♦Automobile.
Life. - ymk*mmm&&-
Accident and sickness amongst members of I.O.O.F.
Automobile.
Life.
* Inland transportation, automobile, marine, and inland marine.
Marine.
Accident, burglary, guarantee, plate glass, steam-boiler, and sickness.
Accident  (excluding employers' liability), sickness, and automobile.
Life.
Life.
* Accident, automobile, and marine.
Life.
Life.
♦Marine, accident, sickness, hail, and automobile.
Tornado, explosion  (including riot and civil commotion), inland transportation and marine insurance, and insurance of automobiles against loss or
damage  resulting from  the hazards  of navigation  and  transportation,
and from collision with any stationary or moving object.
Life.
Plate glass.
Guarantee, burglary, and forgery.
♦Marine   and   automobile   (excluding   insurance   against   loss   by   reason   or
injury to the person). .   .
♦Automobile   (excluding  insurance  against  loss  by  reason  of  injury  to  the
person) and marine.
Life.
Plate glass.
Marine. .     , • , „,
♦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, accident, sickness,  automobile, guarantee, and plate glass.
Life. ».-,.,     .4        4.
Automobile  (excluding insurance against loss by reason of bodily injury to
the person).
♦Automobile.
♦Accident, sickness, plate glass, automobile.
Life.
♦Accident, sickness,  guarantee,  plate glass,  automobile, and burglary.
Marine.
♦Automobile.
♦Automobile and inland transportation.
♦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 and inland transportation.
Marine.
Accident, sickness, guarantee, plate glass, and automobile.
Accident and sickness amongst members of I.O.O.F.
Marine.
♦Accident, sickness, and automobile.
♦Life and marine.
"PI n i^p   °*1 i\ ss
♦Automobile,' inland transportation, and marine.
♦Accident,  sickness, guarantee, automobile, marine, and inland marine.
Tornado, sprinkler leakage, and automobile.
Life.
Life.
Marine.
♦Tornado and  automobile.
Life.
Marine , , ., ,   -
Accident, sickness, steam-boiler, plate glass, burglary, automobile, and flywheel.
Life and accident.
Life.
^Health, accident, and automobile.
♦Marine and automobile.
Marine, inland marine, inland transportation, and automobile (excluding
insurance against loss by reason of bodily injury to  the person).
Life
Guarantee, accident, sickness, burglary, plate glass, steam-boiler, and robbery.
* Automobile   (excluding  insurance  against  loss by  reason  of  injury  to  the
person and explosion  (including riot and civil commotion).
Marine. ■       _   , • ..     ,
♦Marine, inland transportation, explosion (including not and civil commotion),
tornado, and automobile.
Accident and sickness.
Life.
Life.
♦Explosion  (including riot and civil commotion).
Marine.
Marine.
♦Accident, sickness, plate glass, and live stock.
♦ Also licensed under " B.C. Fire Insurance Act" to transact fire insurance.
Securities   (par value)   deposited under the Act:—
(1.)  War Loan Bonds, $1,000; Municipal Securities, $5,000; B.C. Inscribed Stock, $973.32.
(2.)   Cash,  $5,O0O. A    \
(3.)  Dominion WTar Loan Bonds, $5,000, and deposit receipt, Canadian Bank of Commerce, $12o.
(4.)  Dominion War Loan Bonds, $27,000. :  „,     ', »  x „v
(5.)  Dominion War Loan Bonds, $15,600;   Toronto Harbour Commission Bonds, $20,000.     (Includes deposit under "B.C. Fire Insurance Act.  )
Note.—Licensed since December 31st,  1920:— . ■ .      '       '' . . ,   .     ' :
The London & Lancashire Insurance Co., Ltd.. Liverpool, England;   Wm. Thompson, Vancouver;   marine, automobile, and explosion  (including not and civil commotion).
The Merchants Marine Insurance Co., Ltd., London, England ;   James A. Young, Vancouver ;   automobile.
Union Assurance Society, Limited, London, England ; Chas. R. Bishop, Victoria ; automobile. 11 Geo. 5
British Columbia.
V 29
TABLE  I.—NET FIRE INSURANCE PREMIUMS  AND  NET LOSSES,  1920.
Name of Company.
Acadia Fire Insurance Co	
Aetna Fire Insurance Co	
Agricultural Insurance Co	
Alliance Assurance Co., Ltd	
Alliance Insurance Co. of Philadelphia	
American Alliance Insurance Co	
American Central Insurance Co	
American Equitable Assurance Co	
Atlas Assurance Co., Ltd	
Beaver Fire Insurance Co	
Boston Insurance Co	
British America Assurance Co	
British Colonial Fire Insurance Co	
British Crown Assurance Corporation, Ltd	
British General Insurance Co., Ltd	
British Northwestern Fire Insurance Co	
British Traders Insurance Co., Ltd	
Caledonian American Insurance Co	
Caledonian Insurance Co	
California Insurance Co	
Cauada Accident & 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	
Century Insurance Co., Ltd	
China Fire Insurance Co., Ltd	
Citizens Insurance Co. of Missouri	
Columbia Insurance Co	
Commercial Union Assurance Co., Ltd    	
Commercial Union Fire Insurance Co. of N.Y	
Connecticut Fire Insurance Co	
Continental Insurance Co    	
Dominion Fire Insurance 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 *	
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	
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	
Great American Insurance Co	
Guardian Assurance Co., Ltd	
Guardian Insurance Co. of Canada	
Hartford Fire Insurance Co	
Home Insurance Co	
Hudson Bay Insurance Co	
Imperial Guarantee & Accident Insurance Co. of Canada...,
Imperial Underwriters Corporation of Canada.	
Insurance Co. of North America	
Insurance Co. of the State of Pennsylvania	
Law, Union & Rock Insurance Co., Ltd 	
Liverpool & London & Globe Insurance Co., Ltd	
Liverpool-Manitoba Assurance Co	
London & Lancashire Insurance Co., Ltd	
London & Lancashire Guarantee & Accident Co. of Canada.
London Assurance Corporation'.	
London Guarantee & Accident Co., Ltd..	
London Mutual Fire Insurance Co. of Canada.	
Marine Insurance Co., Ltd	
Mechanics & Traders Insurance Co	
Mercantile Fire Insurance Co	
Merchants Fire Assurance Corporation of N.Y	
Millers National Insurance Co	
Motor Union Insurance Co., Ltd	
Mount Royal Assurance Co 	
National Ben Franklin Fire Insurance Co	
National Benefit Assurance Co., Ltd	
National Fire Insurance Co. of Hartford	
Nationale Fire Insurance Co., Paris	
National Union Fire Insurance Co -	
Newark Fire Insurance Co	
Carried forward.
Net Premiums.
Net Amount of
Losses incurred.
Net Amount of
Losses paid.
$ 33,871 18
i   6,675 04
$ 4,330 04
73,204 67
10,812 37
11,230 09
31,558 49
5,550 06
3,562 85
32,229 01
409 60
343 40
46,587 09
22,345 04
26,788 04
7,245 19
1,872 66
1,557 66
32,523 23
7,196 33
4,784 94
6,573 56
1,173 92
1,173 92
36,324 83
2,838 54
2,805 26
7,554 96
Nil.
392 67
47,707 13
25,886 42
30,783 16
65,778 04
17,929 92
18,142 42
26,609 21
8,612 65
8,612 65
114,838 51
53,548 30
57,933 42
13,484 83
9,063 50
7,730 50
24,041 53
2,504 35
1,911 32
50,932 64
16,667 46
15,332 46
6,418 70 ■
7 66
7 66 '
52,979 89
2,762 33
3,176 97
31,198 47
. 7,136 41
7,465 41 .
32,040 15
21,199 46
21,004 36
39,674 99
3,443 26
3,443 26
9,918 01
1,295 04
1,283 04
9,007 42
■2,769 42
1,968 35
36,361 96
5,288 84
4,920 31'
704 47
5 85
5 85
9,294 81
1,854 10
1,849 19
38,577 15
15,204 91
9,41475
8,979 82
2,054 29
554 29
42,181 69
9,580 51
' 9,580 51
11,366 40
2,082 31
33 81
106,685 05
36,080 62
36,725 13
» 7,907 02
1,760 76
1,711 09.
40,573 36
8,291 61
10,712 64
66,407 66
10,511 47
17,119 09
21,679 37
2,205 85
2,180 86 .
8,712 89
mi.
430 75.
51,060 44
16,194 54
15,688 36
60,703 12
20,194 42
19.616 12
9,064 52
744 50
689 50
6,667 01
666 04
665 04
73,730 28
12,969 69
14,521 40
• 24,756 77
6,624 69
7,441 84
17,179 90
646 65
610 96
68,703 66
87,699 08
141,416 03
8,245 01
15,003 23
1,034 08
12,702 35
2,301 56
2,301 56
25.367 83
1,814 27
2,017 92
14,920 74
8,229 07
7,678 07
6,139 89
314 13
2,979 13
16,206 82
5,156 22
4,963 22
56,178 00
19,249 08
17,522 21
28,196 25
2,548 01
2,849 01
68,875 32
15,432 41
16,248 41 ■
112,967 99
26,629 27
27,119 27
15,962 05
6,434 07
3,434 07
140,409 20
49,064 95
63,954 03
121,663 26
4,834 06
23,221 87
41,503 86
17,450 24
14,885 24
3,283 43
2,836 79
2,966 06
49.605 51
16,375 81
13,345 24
129,028 94
69,441 94
70,890 94
54,232 35
10,778 73
10,430 75
24,815 49
3,108 22
3,108 22
189,410 95
40,407 89
40,945 60
58,647 32
33,019 83
16,194 83
105,577 48
37,818 79
37,628 40
- 8,963 98
1,016 00
1,016 00
101,690 61
31,047 50
38,244 59
49,261 90
31,905 79
23,122 52
60,924 04
12,336 69
16,830 96
6,527 95
2,094 34
2,147 94
29,402 18
6,031 71
3,576 36
30,741 21
7,407 65
7,411 15
32,783 26
8,792 38
7,472 18
6,130 27
2,704 03
2,736 37
■Sit.
Nil.
Nil.
61,395 89
31,289 45
33,074 45
20,477 78
5,875 09
7,339 50
788 96
62 17
62 17
81,711 56
23,238 50
22,649 00
42,412 93
7,396 95
7,978 60
23,399 13
3,076 24
6,365 29
14,620 11
7,159 72
7,163 72
S3,369;577 88
$1,046,032 64
$1,096,566 19 V 30
Report of the Superintendent op Insurance,
1921
TABLE I.—NET FIRE INSURANCE, ETC.—Continued.
Company.
Brought forward	
New Hampshire Fire Insurance Co	
New Jersey Insurance Co	
Niagara Fire Insurance Co	
North American Accident Insurance Co	
Northern Assurance Co., Ltd	
North British & Mercantile Insurance Co., Ltd
North Empire Fire Insurance Co	
North West Fire Insurance Co	
Northwestern Mutual Fire Association	
Northwestern National Insurance Co 	
Norwich Union Fire Insurance Society, Ltd....
Ocean Accident & Guarantee Corporation, Ltd.
Occidental Fire Insurance Co	
Pacific Coast Fire Insurance Co	
Pacific Marine Insurance Co -	
Palatine Insurance Co., LUi	
Phenix Fire Insurance Co. of Paris	
Phoenix Assurance Co., Ltd -
Phoenix Insurance Co. of Hartford.	
Providence Washington Insurance Co	
Provincial Insurance Co., Ltd	
Quebec Fire Assurance Co	
Queen Insurance Co. of America	
Queensland Insurance Co., Ltd.	
Hoyal Exchange Assurance	
Royal Insurance Co., Ltd	
Koyal Scottish Insurance Co., Ltd	
St. Paul Fire & Marine Insurance Co.	
Scottish Metropolitan Assurance Co., Ltd	
Scottish Union & National Insurance Co	
Springfield Fire & Marine Insurance Co	
Sterling Fire Insurance Co. of Indiana	
Stuy vesant Insurance Co	
Sun Insurance Office	
Traders & General Insurance Association, Ltd..
Union Assurance Society, Ltd     	
Union Fire Insurance Co. of Paris	
Union Fire & Casualty Co	
Union Insurance Society of Canton, Ltd	
Union Marine Insurance Co., Ltd	
United States Fire Insurance Co	
Vulcan Fire Insurance Co	
Wawanesa Mutual Insurance Co	
Western Assurance Co	
Westchester Fire Insurance Co	
Yang-tsze Insurance Association, Ltd	
Yorkshire Insurance Co., Ltd	
Total	
Net Premiums.
$3,369,577 88
13,329
46,736
48,611
383
108,464
82,163
38,895
13,983
61,575
49,345
98,664
13,368
9,071
47,294
9,017
43,586
18,945
256,908
51,211
29,171
11,436
23,774
92,044
21,049
43,217
141,143
18,117
35,195
40,469
57,119
64,400
Nil.
26,834
74,869
3,550
61,478
29,349
55,796 56
9,336 94
14
61
' 31
34,164
20,411
1,407
64,670
37,857
15,043
34,730
$5,427,798 35
Net Amount of
Net Amount of
Losses incurred.
Losses paid.
$1,046,032 64
$1,096,566 19
6,088 38
14,366 96
12,397 32
10,661 84
12,674 40
14,287 40
133 10
114 10
40,180 27
39,969 34
32,068 75
25,815 83
8,749 27
8,199 27
1,133 87
1,133 87
34,820 54
15,820 54
13,644 92
13,218 42
27,469 41
32,281 77
1,364 95
1,354 95
5,900 31
6,067 21
10,699 72
9,136 00
1,267 71
1,105 78
12,407 22
13,503 74
9,979 72
8,753 72
89,105 75
64,567 66
11,877 14
13,967 14
12,445 87
9,433 93
4,606 80
4,606 80
3,770 51
3,770 51
29,553 83
24,254 83
5,087 05
4,770 24
7,408 56
8,229 84
34,609 34
33,555 34
5,799 12
4,905 12
6,403 36
4,731 59
7,311 82
7,306 82
10,521 49
10,490 49
16,976 19
20,756 31
Nil.
Nil.
6,796 87
7,976 60
12,735 21
13,530 53
Nil.
Nil.
11,545 76
12,872 45
9,701 22
9,618 06
Nil.
Nil.
10,607 18
10,247 68
5,494 23
5,494 23
3,948 18
2,339 36
7,841 80
6,476 80
Nil.
Nil.
19,397 79
18,648 54
9,946 35
19,302 60
443 81
443 81
15,210 60
14,523 26
$1,636,148 83
$1,648,167 47
TABLE IL—FIBE INSURANCE SUMMARY.
Year.
Net Premiums.
Net Amount of
Losses incurred.
Net amount of
Losses paid.
1916    	
$  3,121,885 87
3,609,442 65
4,083,219 68
4.370.432 98
5.421,798 35
$1,378,764 79
887,639 01
1,214,162 65
1,259,983  28
1,636,148 83
$1,990,641   30
1^17    	
958,460 60
1918    	
1,120,475 80
1920    	
1,181,196 47
1,648.167 47
Totals   :.
$20,614,779 53
$6,376,698 56
$6,198,941  S4
TABLE III.—DISPOSITION OF PREMIUMS RECEIVED.
Rate of losses paid per cent, of premiums received	
Rate of dividend or bonus to stockholders per  cent,  of premiums  received
(Canadian companies only)
Rate of general expenses per cent, of premiums received	
Rate of premiums charged per cent, of risks taken	
1920.
43.40
1.05
Note.—The figures are taken from the reports of the Superintendent of Insurance for the Dominion
for 1919-20-21, and cover the business throughout Canada of the companies to which they refer. 11 Geo. 5
British Columbia.
V 31
TABLE IV.—RATIO OF LOSSES INCURRED TO PREMIUMS WRITTEN IN THE
VARIOUS PROVINCES.
Provinces.
1920.
1919.
1918.
1917.
34.51
30.27
40.99
66.24
66.69
38.4S
35.33
56.97
41.09
34.60
29.84
25.25
52.48
50.32
40.89
46.87
50.54
39.23
44.64
29.79
62.38
42.89
28.40
59.47
20.55
52.69
48.74
5.86
39.87
25.40
59.15i
59 54
69 29
62.77
48.32
60.98
44.44
5.26
43.61
41.10
50.76
55 62
Note.-
Dominion.
-The figures are abstracted from the report for 1921 of the Superintendent of Insurance for the
TABLE V.—FIRES REPORTED.
Districts reporting.
Number.
Amount of Loss.
City Municipalities  (35).
' 'i
11
1
5
' 'i3
"e
4-
1
6
1
11
2
4
19
13
40
2-2
6
18
6
3
2
15
8
1
5
5
404
9
149
$        6,806
2,615
29,920
9,107
14,416
•'00
758
966
21,340
15.173
6.604
3,893
23,238
68,202
11.710
13.592
112,365
127,710
567
1,227
19,093
51,587
10
10.510
Trail      	
7,268
406.627
10,734
51,901
Totals
787
27
2
' '3
4
6
2
"3
8
2
4
8
9
11
"6
$1,083,5132
District Municipalities (28.)
7'3,94'7
56,384
2.175
Delta   	
190,050
438
327
Kent      	
1 169
53,600
2,724
5,521
86,l'fi>8
11,991
4,673
266 V 32
Eeport of the Superintendent of Insurance,
1921
TABLE V.—FIRES REPORTED—Continued.
Districts reporting.
Number.
Amount of Loss.
District Municipalities—Continued.
31
10
11
57
"i
2
7
$
30,085
'5 898
18 658
47 301
°5
9.050
22,518
1,583
219
10
7
17
■5
5
17
29
4
23
1
15
18
10
12
3
$
644,551
Insurance Districts (15.)
48,825
17,100
65.514
7.730
11 96o
15,241
101,272
5,016
67,418
1,600
273.966
183,969
44,144
8.535
176
$
007,449
1,182
$:
,635,532
Note.—Construction of buildings—
Fire-resisting   	
Brick   	
Frame   	
4, loss $        1,422
109,    „ 313,924
1,069,     „      2,320,186
Average loss per diem, $7,220.60.
Loss per capita—
The Province,  estimated population,  550,000	
City of Vancouver, estimated population, 175,000	
City of Victoria, estimated population, 55,000	
City of New Westminster, estimated population, 16,500.
City of Fernie, estimated population, 5.000   	
City of Nelson, estimated population, 6,000	
1,182,
$2,635,532
$4 SO
2 30
OO
4 10
1 80
3 80 11 Geo. 5
British Columbia.
V 33
TABLE VI.—CAUSES OF FIRES.
Causes of Fires.
Number.
Amount of Loss.
19
3
1
1
11
11
2
1
29
3
3
1
1
48
23
1
11
1
1
1
1
47
1
49
28
1
79
1
1
1
3
3
1
1
15
3
3
1
1
26
1
2
23
5
10
22
7
2
1
5
1
1
1
2
112
9
6
19
229
4
1
27
2
2
1
13
1
1
7
3
41
1
2
1
1
17'7
1
2
$        6,134
2,360
150
44
5,002
1 711
158
40
36,408
26
15
225
l.lOOi
29 408
1,464
25
15 144
60
50
345
4,356
86,470
200
38,965
8,686
25
233,601
100
25
1,228
7,827
513
120
17,584
139
97,112
10
897
43' 772
2,000
25,393
866
175'
1,500
8
2,341
85
420
20.17S
23,635
19,464
189,090
40,509
1,000
3,322
14,796
12,035
501
300
76,055
5,108
23,002
10
1.560
100
1,3 64,53 5
50
917
1,182
$2,635,532 •
V 34
Report of the Superintendent of Insurance,
1921
TABLE VII.—CLASSIFICATION OF PROPERTY BURNED AND CAUSES.
Property.
Causes.
Amount of Loss.
1
Spark from bush fire	
. .    i
$
$
$
$
$
$
$
$
]
$
$,
$
$
%
$
     i
40
18
180
12
60
800
p
33
284
40
8
10
94,037
2,675
21
Ashes against wood	
Clothes too near stove	
i
i
....   i
29
i
i
i
...    i
i
Sun's rays through bowl of water	
i
10
95,027
1,511
4.000
9,285
50
10
65
976
1
4
...           1
1
■ ■ •           1
1
1
15,597
3,500
1
15
2
3,208
1,150
15
1
4,358
1,400
2,500
800
450
83,306
2
...           1
.1
...           1
88,456
3,000
20.000
3
1
1
,    ,           1
1
23,000
16
32
3,300
1
3.348
948
3
23
200
3.000
11
1
1
1
538
4,303
15.270
370
00,091
2.385
3,100
1
1
2
1
9
1
126,257
5. OOO
4,000
6
6,000
4
1
...               1
3
15,006
24
185,660
1
1
1
385,693
3.000
Cement-works   	
1
1,000
1
100
1.100
200
2,145
5
110
1,820
4
1
1
1
1
          4
5,480
800
500
250
1,464
6
1
          1
1
3,014
51
135
246
750
3
3
1
          1
1,182
696
18,800
          1
19,501 11 Geo. 5
British Columbia.
V 35
TABLE VII.—CLASSIFICATION OF PROPERTY BURNED  AND  CAUSES—Continued.
Property.
Causes.
Amount of Loss.
Creameries  3
Derricks  1
Dry-kilns   ' 4
Dwellings    649
Dye-works   . . .*	
Electrical workshops	
Factories (box)  	
Factories (biscuit)  	
Factories (casket)   	
B'aetorics  (fruit-packing)   .
Factories (glove)   	
Factories   (hop)   	
Factories (paint)   	
Factories  (pulley)   	
Factores (sash and door) .
Factories (soda-water) . . .
Factories (wood-working)  .
Fences 	
Fire-balls	
Fish-curing plants   	
Foundries	
Garages
17
Electrical appliances    1
Lightning     1
Matches, mice with    1
Unknowrn    i
Spontaneous combustion    1
Unknown    3
Ashes against wood  10
Brushes in hot oven  1
Candle carelessness    9
Children playing with stove  2
Clothes too near stove  21
Curtains from lamp or stove  3
Defective chimney     41
Defective fireplace    23
Defective furnace  5
Defective stove or stove-pipes    34
Defective wiring  17
Electrical appliances    20
Exposure     33
Fire-crackers  1
Fumigation     3
Furnace   or   furnace-pipes   insufficiently   protected    2
Gas explosion     1
Gasolene explosion  2
Hot brick in bed   1
Incendiary  9
Japanese lanterns igniting  2
Lamp explosion     13
Lightning     1
Live coals    5
Match  carelessness     17
Matches, children with    5
Matches, mice with    1
Mattress against stove    1
Paper too near stove  1
Phosphorus igniting  1
Smokers'  carelessness     28
Sparks from burner  1
Sparks from burning rubbish  4
Sparks from bush fire  5
Sparks from chimney     186
Sparks from engine  1
Sparks from fireplace    26
Sparks from furnace    1
Sparks from stove   10
Spirit-heater upset  1
Spontaneous combustion    £
Stove  explosion     3
Stove or stove-pipe insufficiently protected. . . 28
Tar boiling over  1
Torch carelessness    1
Unknown   64
Wood too near stove  2
Spontaneous combustion  1
Unknown    1
Unknown    1
Defective oven    1
Defective chimney     1
Exposure     1
Smokers'  carelessness     1
Unknown    1
Electrical appliances    1
Sparks from motor  1
Rubbish too near stove  1
Unknown    1
Sparks from chimney  1
Defective wiring  1
Spark from bush Are    1
Unknown   1
Stove-pipe insufficiently protected  1
Defective forge  1
Retort insufficiently protected  1
Sparks from chimney    1
Sparks from torch    1
Unknown   2
Ashes against wood  1
Defective chimney     1
Defective wiring  1
Electrical appliances   1
Exposure    1
Gasolene carelessness     1
Incendiary  1
Match carelessness  1
Smokers' carelessness    2
Sparks from exhaust in automobile    1
Unknown   6
100
250
1,250
$  37,662
134,100
5    5,110
44
438
158
4,375'
15
17,424
1,464
2 2D
42,41*
26,762
3,290
21,132
55
1,228
7,767
120
1.164
10
12,571
60
10,164
43
121
688
165
250
8
697
,85
1,966
12
16,244
19,780
5.8.082
2,750
1,397
150
10,959
300
95
5.346
11,882
1,500
100
111,588
917
61
13,469
25
50
3
501
7,641
50
30
55
81
3,000
373
900
50
1,170
1,000
19,873
1,600
25
171,762
401,329
10
8.20O
151
4,356
11.300
14,000
35
56,134
13,330
20
378
30
257
40
3,500
343
8,220
26,582 .
V 36
Report of the Superintendent of Insurance,
1921
TABLE VII.—CLASSIFICATION OF PROPERTY BURNED AND CAUSES—Continued.
Property.
Gas  plants  3
Gasolene-saws  1
Greenhouses  1
Halls  1
Hospitals  2
Hotels  33
Hay-presses
Incinerators
Launches  . .
Laundries
Logging camps
Paving plant . .
Printing-offices
10
Lumber-mills ?. ... 3
Machine-shops    3
Mess-houses  2
Mining property  4
Motor-cycles  2
Offices  11
Causes.
Defective  wiring     1
Gas-cylinder  exploding     1
Unknown    1
Unknown   - 1
Sparks from chimney    1
Defective stove  1
Gasolene carelessness     1
Sparks from chimney     1
Defective chimney    1
Defective oil-burner  1
Electrical appliances   1
Exposure    5
Furnace-pipe insufficiently protected  t 1
Incendiary    2
Lamp explosion  2
Live coals  . 1
Match  carelessness     1
Smokers' carelessness     29
Sparks from chimney  6
Stove-pipe insufficiently protected  1
Unknown    2
Carburettor back-firing    1
Insufficiently protected     1
Carburettor back-firing    1
Defective wiring  1
Gasolene  carelessness     1
Fat boiling over, Igniting gasolene  1
Lamp  explosion     1
Unknown    1
Clothes too near stove    1
Defective chimney     1
Gasolene carelessness     1
Smokers' carelessness   -  1
Sparks from chimney    1
Stove-pipe insufficiently protected  1
Unknown    1
Defective wiring  1
Smokers'  carelessness     1
Sparks from burner  1
Sparks from bush fire  6
Unknown    1
Boiler insufficiently protected  1
Defective furnace  1
Unknown   1
Sparks from chimney   	
Stove-pipe insufficiently protected  1
Unknown  1
Defective stove  1
Unknown    1
Hot  bearing     1
Lightning      J
Sparks from chimney     1
Spontaneous combustion  1
Carburettor back-firing     2
Defective boiler  1
Defective wiring  1
Exposure     2
Gasolene carelessness  1
Smokers' carelessness     *
Sparks from chimney  1
Stove explosion  1
Tar boiling over  1
Thawing pipes    1
Chute casing insufficiently protected    1
Defective furnace  1
Exposure     1
Incendiary  1
Sparks from chimney    1
Sparks from motor igniting oil  1
Stove-pipe insufficiently protected  1
Amount of Loss.
513
800
30
10
147
345
37
21,410
60
11,105
154
25
18
2,610
16,660
97
11,145
225
60
100
150
50©
600'
20
200
50
150
10
65
1,321
14,800
28,785
8,338
1,800
12,000
7,500
190
105
30
180
10
51,662
4,753
50.000
35,000
225
65
6,500
475
541
11
60
322
6,000
380
420,
150
322
1,388
SO
50
38
40
63,813
75
2,000
1,040
1.05,5
53,309
21,300
190
141,415
120
7,939
40
7,972 11 Geo. 5
British Columbia.
V 37
TABLE VII.—CLASSIFICATION OF PROPERTY BURNED  AND  CAUSES—Continued.
Property.
Causes.
Amount of Loss.
Pulp-mills  2
Railway-tracks     1
Restaurants        12
Rooming-houses
Sawmills
15
18
Sawing-machines  1
Schools  6
Sheds           19
Shingle-mills    7
Shipyards  1
Skating-rinks  1
Smelters  4
Spice-mills  1
Stables    5
Stations    1
Stores  70
Hot casting  1
Sparks from chimney     1
Unknown   l
Clothes too near stove  1
Defective stove  1
Defective wiring  1
Exposure     2
Grease on stove    1
Incendiary  1
Lamp  explosion     1
Smokers' carelessness     1
Stove-pipe insufficiently protected  1
Unknown    2
Ashes against wood   2
Defective chimney     2
Defective furnace  1
Defective stove-pipe  1
Incendiary  l
Lightning     1
Smokers' carelessness     4
Sparks from chimney     2
Sparks from rubbish   1
Exposure     1
Hot bearing  2
Incendiary  1
Sparks from burner    2
Sparks from chimney     2
Sparks from fireplace     1
Unknown    9
Engine back-firing     1
Defective stove  1
Incendiary ,  1
Sparks from chimney     3
Water on sodium    1
Ashes against wood  1
Gasolene carelessness     1
Grease on stove    1
Incendiary  2
Lamp explosion  1
Live coals    '.  2
Matches, children with    1
Sparks from burner    1
Sparks from bush fire    2
Sparks from chimney  3
Unknown  4
Exposure     1
Sparks from burner    1
Sparks from engine   1
Unknown    4
Sparks from motor     1
Clothes too near stove     1
Defective furnace  1
Defective  melting-pot     1
Sparks from chimney     1
Sparks from stove    1
Electrical appliances   1
Incendiary  2
Spontaneous combustion  1
Unknown    2
Exposure     1
Ashes against wood  2
Coal-oil carelessness  1
Defective chimney     1
Defective stove  1
Defective wiring  1
Electrical appliances   1
Exposure     19
Gasolene carelessness    3
Incendiary  1
Lamp  explosion     1
Rubbish around stove or furnace     1
Smokers' carelessness    13
Sparks from burning rubbish  2
Sparks from bush fire  1
Sparks from chimney  4
Sparks from furnace    1
Stove-pipe insufficiently protected  1
Unknown    16
$        897
8,124
222
20
1,730
4,400
34
1,730
4,500
1,207
250
13,900
39
17
175
15
165
8
138
75
3,200
1,460
45,450'
3,200
740
39,049
1,723
98,804
15
307
52
SO
10
10
50
17
80
20
5
2,352
402
618
1,175
950
10
14,950
35,626
215
50
10
1,047
2,300
3,223
200
775
26
305
25
3,000
59
76,880
5.987
1,797
4,700
400
6,440
170
5,500
10,770
160
1,875
56,821
9,021
2.43.8
28,863
3,832
190,428
25
4,739
51,536
1,327
10
1,322
46
5,732:
175
175,1 I
V 38
Beport of the Superintendent of Insurance.,
1921
TABLE VII.—CLASSIFICATION OF PROPERTY BURNED  AND  CAUSES—Continued.
Property.
Causes.
Amount of Loss.
Stores and offices over
Stores and rooms over
Warehouses
Wharves
11
29
Street-cars  10
Theatres  2
Transformers  2
Tug-boats    5
14
Totals       1,182
Defective stove  l
Exposure     1
Incendiary  2
Match  carelessness     1
Smokers' carelessness     3
Sparks from chimney     1
Unknown   2
Ashes against wood  1
Boiler insufficiently protected     1
Clothes too near stove    1
Defective stove  1
Defective wiring  1
Exposure     2
Grease on stove or range  1
Incendiary  1
Match carelessness  1
Smokers' carelessness    10
Sparks from stove    2
Stove insufficiently protected  1
Unknown    6
Defective wiring  9
Electrical appliances   1
Defective wiring  1
Film igniting     1
Defective wiring  1
Defective transformer  1
Boiler insufficiently protected    1
Defective furnace  1
Defective stove  1
Lamp explosion  1
Unknown    1
Exposure   • • 4
Smokers' carelessness     1
Sparks from chimney  1
Sparks from engine    1
Stove-pipe insufficiently protected  1
Unknown    6
Sparks from burner  1
Unknown    1
1.182
26,822
422
32,801
25
78
48
8,397
10
59
.3
42
457
11,226
55
65
50
604
29
892
70,926
212
12
162
25
600
200
510
2.200
2,000
3,500
450
5o,216
3,000
132
22,600
1510
36,642
5,000
50,000
68,593
84,308
224
187
800
8,660
117,749
55,000
$2,1335,532
TABLE VIII.—SUMMARY.
Fires reported.
Amount
OS1  Loss.
io
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51
75
71
90
68
53
78
96
38
55
62
50
24
17
17
20
25
11
23
31
10
16
12
13
13
12
16
12
16
6
16
21
9
11
13
31
88
104
104
122
109
70
117
148
57
82
87
94
$      23,527
29,877
11,181
111,662
59,067
129,047
54,405
320,879
83,570
91,676
77,066
91,575
$      20,196
9,538
45,730
21,648
77,572
12,529
256,797
75,286
94,364
23,709
2,457
4,725
$      20,385
27,499
79,043
217,174
34,993
5,746
43,297
68,562
126,821
54,407
27.S37
201,685
$      64.10S
66,914
135,954
350,484
171,632
147,322
July	
354,499
464,727
304,755
169,792
107,300
207,985
Totals,   1920   	
Totals,   1919   	
Totals,   1918   	
Totals,   1917   	
Totals,   1916   	
787
853
619
422
496
219
204
220
123
172
176
164
105
117
1,182
1,221
944
662
668
$1,083,532
1,013,S90
800,668
756,427
1,041,440
$    044,551
413,266
863,306
227,442
339,512
$    007,440
500,736
431,252
558,009
$2,035,532
1,927,892
2,095,226
1,541,878
1,380,952
3,177
938
562
4,677
$4,695,957
$2,4S8,077
$2,397,446
$9,5S1,480 11 Geo. 5
British Columbia.
V 39
TABLE IX.—LOSS OF LIFE, 1916-20.
Cause of Fire.
Loss of Life.
Adults.
Children.
5
1
7
1
1
3
'i
12
2
4
8
6
1
Totals,  1919  	
Totals, 1018   	
Totals,  1917  	
"l
Totals, 1916  	
9
TABLE   X.—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 Compaffy.
Mortgages.
In other
Securities.
American Central Insurance Co	
Boiler Inspection & Insurance Co. of Canada  	
British America Assurance Co	
British Columbia Plate Glass Insurance Co	
British Colonial Fire Insurance Co	
British Crown Assurance Corporation, Ltd	
British Northwestern Fire Insurance Co	
Caledonian Insurance Co., Ltd	
California Insurance Co	
Canada Accident & Fire Assurance Co	
Canada National Fire Insurance Co	
Canadian Surety Co	
Century Insurance Co., Ltd	
Commercial Union Assurance Co., Ltd	
Dominion Fire Insurance Co	
Dominion of Canada Guarantee & Accident Insurance Co.
General Accident Assurance Co. of Canada  	
General Accident Fire & Life Assurance Co., Ltd	
Glens Falls Insurance Co	
Globe & Rutgers Fire Insurance Co	
Globe Indemnity Co. of Canada  	
Guardian Insurance Co. of Canada	
Hartford Fire Insurance Co	
Home Insurance Co	
Hudson Bay Insurance Co	
Imperial Guarantee & Accident Insurance Co	
Imperial Underwriters Corporation of Canada	
Insurance Co. of the State of Pennsylvania	
Law, Union & Rock Insurance Co., Ltd	
Liverpool-Manitoba Assurance Co	
London Assurance Corporation  	
London Mutual Fire Insurance Co. of Canada	
Loyal Protective Insurance Co	
Maritime Insurance Co., Ltd	
Maryland Casualty Co	
Mount Royal Assurance Co	
National Ben B'ranklin Fire Insurance Co	
National Fire Insurance Co. of Hartford  	
National Union Fire Insurance Co	
North American Accident Insurance Co	
North British & Mercantile Insurance Co	
North Empire Fire Insurance Co	
Northern Assurance Co., Ltd	
Northwestern National Insurance Co	
Norwich Union Fire Insurance Society, Ltd	
Pacific Coast Fire Insurance Co '.....
Pacific Marine Insurance Co	
Phoenix Insurance Co	
Queen Insurance Co. of America	
Royal Insurance Co., Ltd	
Royal Plate Glass Insurance Co. of Canada	
Springfield Fire & Marine Insurance Co	
Yorkshire Insurance Co., Ltd	
Totals   	
1,500 00
858,061 52
77,577' 06
239.906 16
12,500 00
98,648 95
' 80,827 00
40S,430'!66
409,300 OO
-SO,225  66
20,000 00
2-80,000 00
536,479' OO
80,660 00*
44,000 00*
156,000 00*
5,973 33
3,000 00
15,000 00*
2,000 00
259,460 73
21,200 OO't
19,000 OO
"25,733'33*
26,000 00*
' 80,353 '33*
99,000 00*
32,854 06*
42,413 52*
66,500 00
48,180 00*
5,000 00
39,333 33
76,000 00*
30.000  00*
29,000 00*
20,676 50i
30,434 751
53,200 00*
19,806 00
30,000 00*
141,500 00
51.850  55
10.000 00
37,500 00
62.719 65
11,512 511
87,220 00*
22,984 75
35,000 00*
4,937 50J
147.000 00*
45,000 004
250,000 00
41,970 33f
75,200 00
607,171  IS
7,500 OO't
18,400 00
32,000 00*
214,850 67
2,250 00
43,000 00
$3,109,649 35
$3,291,345 99
* Par value.
t Market value.
t Book value. V 40
Beport of the Superintendent of Insurance,
1921
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1 TABLE XIII.—
MISCELLANEOUS
BUSINESS:   NET
PREMIUMS  AND
LOSSES
,  1920.
V 41
NAME OF COMPANY.
Accident.
Sickness.
Liability.
Automobile.
Burglary.
Guarantee.
Plate Glass.
Marine.
Live Stock, Steam-boiler,
Sprinkler Leakage,
Inland Transportation,
Explosion, and Tornado.
(Indicated by Initial
letters.)
Total
Premiums.
Total
Losses.
Unsettled
Claims.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
$    9,872 20
4,405 90
859 25
464 59
$    3,696 61
1,212 57
1,073 80
Nil.
$ 81,419 46
3,875 99
1,224 82
$ 24,457 43
352 41
682 51
$ 91,291 66
10,864 87
2,220 32
464 59
1.101 59
2,019 59
9,319 09
13,585 53
28,116 64
33,725 37
6.102 55
33,141 54
1,139 65
11,759 11
34,894 30
1,401 01
68,230 03
2,128 35
37,552 15
104,386 68
31,084 73
40,352 13
113 79
8,210 81
2,092 88
53,517 17
67 94
28,410 31
2,837 32
651 13
274 98
2,695 76
40,290 42
55,735 70
648 00
11,378 17
8,692 30
7,890 98
5,557 93
23,417 92
79,320 04
9,117 73
3,289 85
44,823 94
2,131 54
20,415 52
71,038 14
1,496 09
7,045 50
1,552 94
3,069 56
32 00
1,568 30
8,040 56
47,668 39
19,336 05
72 00
289 59
2,336 90
2,429 98
366 55
1,377 64
4,773 36
$ 28,154 04
1,996 78
1,756 31
NO.
Nil.
2,861 03
519 24
3,783 31
16,000 13
24,789 43
2,180 61
26,379 15
148 85
4,922 77
12,365 60
174 41
33,506 44
243 35
16,864 33
42,223 22
19,853 53
25,515 45
1 n
2,261 17
243 35
45,651 83
42 58
5,251 02
1,539 36
Nil.
109 40
Nil.
22,463 93
31,852 50
300 00
NO.
8,444 31
2,479 17
1,766 16
17,008 00
50,155 73
1,622 03
1,216 54
26,428 46
53 54
3,444 23
34,506 69
Nil.
2,379 72
Nil.
81 79
Nil.
787 65
3,760 61
17,621 04
1,910 85
Nil
Nil.
1,804 92
964 73
Nil.
1,299 68
3,553 07
$ 27,670 39
Nil.
166 25
59 00
Nil.
Nil.
Nil.
Nil.
910 14
1,185 00
Nil
1,250 00
Nil
25 55
8,100 00
1,314 00
5,574 14
Nil.
Nil.
Nil.
Nil.
Nil.
Nil.
Nil.
Nil.
359 00
Nil.
200 00
858 00
750 00
10 00
Nil
2,822 50
9,711 07
Nil.
Nil.
2,036 64
Nil.
540 00
2,890 00
5,174 25
890 00
43 46
4,865 25
Nil.
1.000 00
28,985 00
Nil.
720 00
Nil.
Nil.
Nil.
Nil.
1,221 00
2,445 97
1,097 15
Nil.
Nil.
Nil.
2.001 00
Nil.
316 25
513 02
$       506 70
$         16 65
$       211 50
$       221 65
$       371 90
Nil
$    1,335 33
|         193 50
$       157 55
Nil
I.T.   $136 25
Nil.
S.B. 1,101 59
Nil.
2,019 59
9,319 09
465 64
2,861 03
519 24
Nil
13,119 89
3,783 31
$ 28,116 64
$ 16,000 13
33,725 37
3,489 63
13,923 88
1,139 65
4,049 58
24,789 43
1,163 90
5,118 77
148 85
1,927 77
2,612 92
1,016   71
7,538 56
$ 15,305 17
6,233   15
2,928 84
2,373 14
$       884 90
813 98
470 30
344 43
Nil.
1,914 40
1,671 17
652 73
45 00
7,024 54
$    2,950 00
32 26
Nil.
"'34,894* 30
12,365 60
60 00
29,484 93
Nil.
17,633 76
60 72
29,883 66
58 92
11,918 23
"644*32
Nil.
1,280 29
8,217 12
1,305 47
12,278 20
27,499 55
1,914 25
20,607 03
113 79
1,264 14
1,305 44
6,843 93
115 49
3,954 45
243 35
7,581 64
11,156 87
Nil
17,387 60
1 11
686 65
243 35
4,084 39
j     E.    782 26
1    T.      40 62
I.T.     131 25
Nil.    )
Nil.    \
$   4 80
9,286 99
* 69,590 28
2,939 53
18,131 41
14,059 68
5,701 26
475 95
7 60
925 22
647 60
'" 1,466*46
629 50
744 35
394 86
3,736 29
Nil
9,771 28
2,912 96
2,419 31
29,170 48
19,853 53
5,561 42
2,607 32
7,313 76
5,004 13
2,582 87
438 40
78 00
2,820 59
Nil
840 37
169 99
872 48
180 71
599 40
256 43
3,243 18
575 00
885 38
392 39
S.B.    505 86
j   E.      746 82
\    T.       40 62
Nil.
Nil.     )
Na.   \
46,673 24
67 94
41,567 44
42 58
1,906 82
130 17
1,013 43
811 22
3,828 77
1,809 60
12,134 31
2,837 32
2,416 53
1,539 36
42 66
Nil.
8,927 72
Nil.
S.B.    556 60
83 50
L.S.    651 13
E.          20 15
J I.T.       25 00
( E.    1,547 27
Nil.
Nil.
Nil.    1
Nil    1
173 30
1,123 49
36,374 54
109 40
Nil.
23,491 12
81 53
Nil.
13,056 50
7,623 37
9,506   36
19,348 66
8,361 38
E.         12 50
L.S.    648 00
Nil.
300 00
11,378 17
216 25
Nil.
Nil.
*
*2,967 72
3,413 49
405 00
4,701 43
7,632 88
4,763 91
7,340 73
5,777 64
2,315 57
2,479 17
1,766 16
3,382 03
1,150 80
441 40
1,925 00
220 02
385 25
S.L.    258 10
E.        794 02
Nil
Nil.
8,909 95
9,014 20
5,527 77
1,548 92
35 00
Nil.
947 83
2,388 63
656 64
674 22
47,960   47
30,390   93
I.T.     981 16
55 25
1,282 55
348 75
725 10
122 48
1,228 16
104 28
3,289 85
3,966 85
Nil
1,216 54
2,509 84
4,181 58
1,480 93
2,703 15
1,122 48
859 21
500 10
30,359 41
17,875 11
2,753 74
2,940 00
2,131 54
7,621 07
53 54
481 45
12,794 45
44,558 76
1,496 09
2,962 78
17,945 76
Nil.
12,721 98
4,479 34
3,992 64
1,410 09
2,104 36
671 50
7,660 40
10,000 00
7,045 50
2,379 72
1,552 94
3,069 56
Nil.
81 79
32 00
Nil,
699 33
273 45
47,668 39
46 66
17,621 04
431 00
Nil.
435 00
127 00
4,015 78
2,608 95
640 98
Nil
1,781 01
978 00
/ S.L.    304 65
\S.B.    158 69
Nil    1
Nil.    f
19,336 05
1,910 85
72 00
Nil.
289 59
Nil.
2,336 90
1,804 92
294 35
Nil.
2,135 63
964 73
366 55
1,377 64
Nil.
1,299 68
4,773 36
3,553 07
2.142 19
838 39
7,403 05
7.143 86
15,800 59
8,548 05
9,831 36
187 68
279 44
1,000 60
2,148 49
5,385 05
4,228 14
7,789 56
19,240 41
118 62
E.         56 50
Nil.
21,439 10
8,520 86
10,773 00
7,143 86
15,800 59
32,211 26
32,911 36
2,638 45
2,525 27
378 80
637 70
34,162 78
206 15
9,990 36
5,494 61
3,198 45
44,126 75
2,370 83
10,000 00
19,879 85
4,925 22
14,026 63
7,874 91
14,869 28
20,076 64
2,949 58
10,528 14
16,166 96
31,218 98
137 50
24,668 84
1,711 10
815 02
42,426 00
17,113 71
692 82
25,671 98
9,626 00
306 30
2,732 57
1,789 87
2,148 49
5,385 05
16,155 95
13,287 23
94 25
190 95
2 05
47 92
21,684 37
Nit.
5,158 57
1,775 80
4,507 97
14,529 73
1,219 27
36,060 00
16,939 97
2,997 94
6,967 15
933 83
7,963 27
11,575 04
561 33
5,651 93
1,869 51
7,641 60
127 85
15,057 08
1,411 26
1,061 43
43,201 85
4,987 80
295 26
13,225 32
1,003 73
2,840 00
1,088 72
Nil.
558 52
706 50
4,404 00
4,768 00
Nil
810 00
63 05
150 00
3,466 75
Nil
Nil.
7,455 00
Nil.
2,790 00
42 28
Nil
1,023 83
628 76
6,722 05
Nil.
3,308 00
2,225 00
Nil.
Nil.
Nil
Nil.
Nil.
11,170 00
285 00
Nil.
6,682 00
961 20
Nil
Nil.
485 82
3,413 59
2,083 30
1,181 43
286 23
763 48
278 21
773 45
25 00
50 00
Nil.
2,681 95
998 45
968 49
503 04
288 20
Nil.
70. Norwich Union Fire Insurance Society, Ltd ...   ..   	
71. Ocean Accident & Guarantee Corporation, Ltd	
11,411 16
*13,617 66
6,622 32
3,092 26
10,179 43
4,461 28
544 50
3,245 74
477 60
1,006 57
1,528 12
4,530 33
366 61
1,298 84
474 40
50 00
1,211 87
50 00
2,638 05
94 25
73. Occidental Fire Insurance Co	
2,525 27
378 80
637 70
24,276 72
206 15
190 95
2 05
47 92
18,399 08
Nil.
74. Pacific Marine Insurance Co	
75. Palatine Insurance Co., Ltd	
76. Phoenix Insurance Co. of Hartford.	
9,886 06
3,285 29
77. Preferred Accident Insurance Co. of N.Y „	
78. Protective Association of Canada	
*9,990 36
5,494 61
1,775 80
79. Queen Insurance Co. of America	
3,198 45
4,507 97
8,919 83
*2,370 83
4,008 50
1,219 27
4,963 25
1,817 20
2,724 18
358 59
24,887 89
7,155 26
309 40
Nil.
884 50
Nil.
1,437 70
1,190 18
10,000 00
36,060 00
550 43
2,396 17
365 20
138 92
23 03
Nil.
<**8,941 19
14,404 88
f     4,925 22
2,997 94
86. St. Paul Fire & Marine Insurance Co ..   ..   	
568 89
2,054 39
Nil.
62 50
I. T.   208 66
5 60
1,924 32
318 21
307 50
Nil.
3,588 70
14,869 28
553 12
7,963 27
"20,076 64
2,949 58
11,575 04
561 33
91. Travelers Indemnity Co	
1,998 09
16,166 96
695 36
1,869 51
43 50
Nil.
8,833 12
1,564 64
22,385 86
137 50
6,076 96
127 85
95. United States Fidelity & Guaranty Co	
2,358 86
36 42
941 00
Ml.
1,643 46
351 00
1,795 90
1,391 10
1,940 43
1,411 26
5,088 27
1,031 94
9,650 49
10,448 35
3,190 86
1,248 94
96. United States Fire Insurance Co	
E.       320 00
Nil.
97. U nited States Lloyds, lnc	
815 02
18,430 74
1,061 43
25,131 94
98. Western Assurance Co....  	
22,000 56
17,113 71
16,993 01
4,987 80
f E.       365 76
\I.T. 1,628 94
Nil    I
1,076 90 |
99. Western Casualtv Company	
100. World Marine & General Insurance Co	
692 82
25,671 98
295 26
13,225 32
101. Yang-tsze Insurance Association, Ltd	
" 3i2"75
102. Yorkshire Insurance Co., Ltd	
Totals	
4,434 07
285 71
4,079 53
405 27
189 00
Nil.
628 59
L.S.   294 81
$1,526 05
$348,130 32
$154,088 21
$115,106 13
$52,190 86
$27,304 63
$7,664 29
$566,101 79
$273,180 39
$16,228 36
$5,764 34
$64,402 96
$38,807 28
• $70,911 77
$40,491 63
$438,362 93
$253,088 59
$12,317 21
$1,658,866 50
$825,792 64
$178,338 51
* Accident and sickness,   f Report not yet received.
• 11 Geo. 5
British Columbia.
V 43
TABLE XII.—LIFE INSURANCE SUMMARY.
1817.
101S.
1910.
1920.
Premiums  for  year
Net amount in force
Claims paid  	
<J   2,906,000
87,983,000
1,034,000
5  8,313,000
95,300,000
1,302,00©
$     4.026.000
112,978,000
1,558,000
.$    4,766,713
141,540,458
1,8 50,67 3
f     5,847,803
171,649,628
1,453,503
TABLE XIV.—MISCELLANEOUS INSURANCE SUMMARY.
1916.
1917.
1918.
1919.
1920.
$126,000
47,000
100,000
43,000
282,000
191,000
93,000
28,000
200,000
120,000
69,000
28,000
$197,000
111.000
50,000
21,000
68,000
103,000
135,000
60,000
283,000
152,000
74,000
22,000
$221,000
78,000
73,000
41,000
31,000
14,000
230,000
65,000 '
404,000
125,000
79,000
21,000
$249,000
113,000
106,000
65,000
42,000
34,000
423,000
142,000
472,000
210,000
134,000
35,000
$349,000
n    L	
i,    h	
154,000
115,000
52,000
27,000
„    L   	
7,000
566,000
,i    L	
273,000
438,000
L	
253,000
164,000
L	
86,000
-Premiums.    L.—Losses. V 44
Report of .the Superintendent op Insurance, B.C.
1921
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1 £c?sl INDEX.
ANNUAL STATEMENTS.
Page.
British Columbia Plate Glass Insurance Co  9
Canton Insurance Office, Ltd  11
Great North Insurance Co  12
London & Provincial Marine & General Insurance Co  13
Maritime Insurance Co., Ltd  14
National Plate Glass Insurance Co  15
New Zealand Insurance Co., Ltd  15
Ocean Marine Insurance Co., Ltd  15
Reliance Marine Insurance Co., Ltd  IG
Royal Plate Glass Insurance Co. of Canada   17
Standard Marine Insurance Co., Ltd  18
Tokio Marine & Fire Insurance Co., Ltd  19
Wawanesa Mutual Insurance Co  20
Western Empire Life Assurance Co  22
World Marine & General Insurance Co., Ltd  24
TABLES.
Fire Insurance—■
Companies licensed, List of December 31st, 1920   25
Companies admitted during 1920   5
Companies which withdrew during 1920   T  5
Premiums and Losses  (net), 1920   29
Summary for 1916-20   30
Statement as to Disposition of Premiums received  30
Ratio of Losses incurred to Premiums written   31
Fires—
Districts reporting    31
Causes  33
Classification of Property burned and Causes   34
Summary,  1916-20   38
Loss of Life, 1917-20   39
Life Insurance—
Companies licensed, List of December 31st, 1920   27
Premiums, etc., 1920  40
Summary,  1916-20  43
Miscellaneous Insurance—
Companies licensed, List of December 31st, 1920   27
Companies admitted, 1920   7
Companies which withdrew, 1920  7
Provincial Licensees, Assets, Liabilities, etc  44
Premiums and Losses, 1920    41
Summary for 1916-20  43
Investments in British Columbia—
Life Companies    40
Other Companies   39
VICTORIA,  B.C. :
Printed by William H. Cullin, Printer to the King's Most Excellent Majesty.
3321. 

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