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ELEVENTH ANNUAL REPORT OF THE SUPERINTENDENT OF INSURANCE FOR THE PROVINCE OF BRITISH COLUMBIA 1922 (BUSINESS… British Columbia. Legislative Assembly 1921

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 ELEVENTH ANNUAL REPORT
OF   THE
SUPERINTENDENT OF INSURANCE
FOR  THE
PROVINCE OF BRITISH COLUMBIA
1922
(BUSINESS TRANSACTED IN 1921)
PRINTED   BY
AUTHORITY OP THE LEGISLATIVE ASSEMBLY.
VICTORIA,  B.C.:
Printed by William H. Cullin, Frlnter to the King's Most  Rxcellent Majesty.
1922.  To His Honour Walter Cameron Nichol,
Lieutenant-Governcr of the Province of British Columbia,
May it please Your Honour :
The undersigned has the honour to present the Eleventh Annual Eeport of the
Superintendent of Insurance for the year ended December 31st, 1921.
Victoria, B.C., July 14th, 1922.
A.   M. MANSON,
Attorney-General.  REPORT OF THE
SUPERINTENDENT OF INSURANCE.
Department of Insurance,
Victoria, B.C., July 14th, 1922.
The Honourable A. M. Manson,
Attorney-General, Victoria, B.C.
Sir,—The Eleventh Annual Report of the Department, covering the year ended December
31st, 1921, is hereby submitted in accordance with the " British Columbia Fire Insurance Act"
and " Insurance Act."
I. " BRITISH COLUMBIA FIRE INSURANCE ACT."
(1.)  FIRE INSURANCE COMPANIES.
The year 1921 closed with a further increase in the number of companies licensed under this
Act for Are insurance.   The total was 139, of which all except two also hold Dominion licences.
The new British companies were:   The Autocar Fire and Accident Insurance Company,
Limited;  The Merchants Marine Insurance Company, Limited;   National Provincial Plate Glass
& General Insurance Company, Limited;   and The Patriotic Assurance Company, Limited.
Three were Canadian companies—namely, Merchants Casualty Company, Reliance Insurance
Company of Canada, and Scottish Canadian Assurance Corporation; and one, the American
Equitable Assurance Company of New York (a reorganization of a company of a similar name
previously licensed under the Act), came from the United States.
Two of the companies licensed under this Act in 1921 were already licensed under the
" Insurance Act."
A complete list of the companies licensed as at December 31st, 1921, is printed on pages
25 and 26, and the origin of the various companies is as follows:—
Dominion of Canada       30
Provinces of Canada       8
Great Britain      43
Australia    /       1
Hong Kong         4
United States       49
France          4
Total     139
In comparison with the year 1920 the fire premiums decreased by $617,000, while the losses
were increased by $497,000 (statistics will be found on pages 29 and 30). For the five months
ending May 31st, 1922, the losses reported amount to $1,250,000, which, if they continue at this
rate, would indicate that the total will far exceed that of other years.
A great many are under the impression that the item "net premiums received" is profits
for one year, whereas the figures include all three-year "business written during 1921, and in
addition to this must be deducted the overhead expenses, such as commissions, office management,
adjustment charges, etc.
The fire-prevention officer, J. A. Thomas, was kept busy, and appended are extracts from
his report:—
" Fire Inquiries.—At the request of municipal authorities and others, and on instructions
from yourself, a large numtoer of inquiries have been held during the year. It has not always
been the object of these inquiries to detect cases of arson, although in some cases indictments
have followed as a result of evidence secured. In all cases, however, the moral effect and
publicity obtained has brought excellent results. The facts brought out under oath have been
of great value in outlining fire-prevention methods. "Inspections.—The demand for inspections from the cities and towns, as well as from
industrial plants and hospitals throughout the Province, has greatly increased through the
year. This work has toeen limited by the physical inability of your officer to meet the demands
on his time. It is obvious that when the 'Fire Marshal Act' comes into force on January
1st, additional help will he required to meet this situation.
" Conflagration Hazards.—These hazards, in the shape of old and dilapidated buildings, are
still an outstanding feature of our cities and towns. This is largely due to the fact that there
is no Provincial law whereby we can control the situation. Where there are local by-laws they
are not being enforced, and there seems to toe no way of compelling city or municipal authorities
to enforce them. This matter, however, has been taken care of in the ' Fire Marshal Act' and
we hope for better results next year.
" Refuse-burners in Industrial Plants.—The proper solution for this hazard has not yet
toeen reached. A number of complaints have reached this office from citizens whose property
is exposed from the sparks coming from these burners. In the City of Victoria a lumber-
manufacturing company was taken into Court under a local by-law and fined for maintaining
a hazard of this description. The evidence brought out in this case shows that this hazard
is common to all cities where the refuse from sawmills is consumed in burners. There has been
no burner devised that will properly consume the refuse from these mills. A great deal of
thought and study have been given to this matter, and we hope in the near future to devise some
methods whereby it may be controlled.
"Fire-protection in Unorganized Districts.—This is a serious question and will of necessity
have to be dealt with by the Legislature in the near future. Under the present system it is
provided for by voluntary contributions on the part of business-men. Absentee property-owners
and the foreign element, who as a rule maintain the most serious hazards in the town', do not
contribute. The outcome of this haphazard method is that the fire-protection equipment is
entirely inadequate to cope with a fire of any size, and a total loss of the property involved
and sometimes loss of life is the result of a fire. I cannot urge too strongly the need of bringing
this question to the attention of the Honourable Attorney-General, with the view of devising
some means whereby the unorganized towns may levy a tax on property-owners and tenants,
to toe used for fire-prevention and fire-protection purposes.
" Fire-prevention in the Cities and Municipalities.—This work is better organized than ever
before. It has been my privilege throughout the year to address a number of public bodies
as well as Councils. I have tried to point out the necessity for systematic inspection to prevent
fires and reduce insurance rates. The great handicap in this work is the need of fire-prevention
laws and of trained inspectors to do the work of inspection. While in the larger cities we have
such laws and men who "are qualified to make inspections, in the larger towns there is almost a
total lack of such laws and inspectors. Because of this, in some of our larger towns I find
serious hazards existing which should not be allowed. It is obvious that these conditions have
a great effect on the insurance rates in those cities and towns where they exist. I feel, however,
that our ' Fire Marshal Act,' when it is put in force, will relieve this situation very materially."
II. " INSURANCE ACT."
At the end of 1921 there were 143 companies licensed under this Act, only four new
companies having obtained licences, as compared with eleven in 1920. A list of these will be
found on page 27.
•. All of these companies w7ere British—namely, Commercial Union Assurance Company,
Limited; The London & Lancashire Insurance Company, Limited; Union Assurance Society,
Limited; and the Merchants Marine Insurance Company, Limited; the first three companies
already held licences under the " British Columbia Fire Insurance Act."
In addition to the. new licences, eight supplementary licences were issued to companies
already licensed under the Act.
The Great North Insurance Company ceased business in the Province during the year, but
its deposit was not released until April, 1922.
Lloyds Plate Glass Insurance Company withdrew during the year. 12 Geo. 5
Report op the Superintendent of Insurance.
N 7
Summary.
Where incorporated.
Dominion
Licensees.
Provincial
Licensees.
Total.
British Columbia
Canada  	
Other Provinces
Great Britain  ..
Australia  	
New Zealand  .. .
Hong Kong   ....
Japan   	
"United States  . .
Totals   .
40
2
31
1
47
123
2
10
i
2
1
20
2
40
4
41
1
1
4
1
40
143
Miscellaneous Insurance.—All companies writing this class of insurance have had their
trying times, especially those writing automobile, where the premium income was $82,700 less
than 1920, while the losses were $73,000 greater during the same period.
An important conference of the Superintendents of Insurance for the various Provinces was
held in Quebec in October last, Ontario, Manitoba, Saskatchewan, Alberta, and Quebec being
represented, tout owing to the fall session of our Provincial Legislature convening on October
18th, and as your predecessor was introducing at that session the Acts creating the office of
Fire Marshal and also the licensing of agents and adjusters, he deemed it wise that I should
toe on the ground in case any explanations were necessary;   consequently this Province was not
represented.   This year we are to be honoured by the Superintendents of the several Provinces
meeting in Vancouver on August the 9th, 10th, 11th, and 12th.    At this convention important
legislation will be considered.    Among other items will toe the following:—
Uniform statutory conditions for Are policies.
Uniform Life-insurance Policies Act.
Uniform automobile-insurance policy conditions.
Uniform sickness and accident insurance policy conditions.
The " Fire Marshal Act" became effective January 1st of the present year, and Mr. J. A.
Thomas, owing to his efficient work as fire-prevention officer, was appointed. Unfortunately
the Act relative to agents and adjusters was not passed, owing, no doubt, to opposition by some
who did not realize the necessity of such -an Act, but I trust you, in your official capacity as
head of this Department, will reintroduce it at the next session.
The time has now arrived when the Insurance Acts of this Province should toe revised, and
as the question of the Model Fire Policy Act and also the Model Life Insurance Act will toe
discussed at the forthcoming convention of Superintendents, I have no doubt, from the discussions
which will take place, that we will be in a better position to consolidate our several Acts.
Since taking office in July last I have discussed with the British Columbia Fire Underwriters'
Association (following the annual meeting of the C.F.U.A. at Niagara Falls, Ontario, in June,
1921) the question of rates, and at the present time all dwellings and non-hazardous risks are
being reduced as from August 1st, 1921, which action gives an average reduction of 27 per cent.
The City of Victoria, owing to rerating toeing completed, is also enjoying the reduction upon its
mercantile property of an approximate average of 22 per cent. The new rates will be checked
from time to time, and when the whole Province is rerated I feel there will toe a substantial
reduction all round.
At the present time this Department does not possess any authority over the insurance
companies other than to issue licences for them to transact business in the Province, and
while the present is not opportune for such legislation, I feel that the time must come when
action will be necessary, and all companies will toe placed more directly under the control of
this Department and will toe required to file schedules of rates and submit other questions of
importance to the Superintendent. At the present time data are being accumulated as to the legislation in effect in the various
Provinces of Canada and States of the Union, which, when properly completed, will be laid
before you for consideration by the Executive.
I have the honour to be.
Sir,
Your obedient servant,
J. P. DOUGHERTY,
Superintendent of Insurance. 12 Geo. 5 Report of the Superintendent of Insurance. N 9
APPENDIX.
Annual Statements of Provincial Licensees for the Year ended
December 31st, 1921.
BRITISH COLUMBIA PLATE GLASS INSURANCE COMPANY.
Head Office—Vancouver, B.C.
Directors.
Walter E. Graveley. H. \V. Chamberlain.
F. M. Chaldecott. W. J. Albutt.
A. G. Thynne.
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 for the Year ended December 31st, 1921.
Assets.
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc. $20,471 93
Cash on deposit to the Company's credit and not drawn against on December 31st, 1921     2,023 98
Premiums uncollected (net commissions deducted)         7,121 30
Interest due or accrued and unpaid  133 26
Amount of all other assets        3,S34 54
Total assets     $33,585 01
Liabilities.
Total reserve of unearned premiums, $27,805.41;  carried out at 80 per cent, thereof .. $22,244 32
Total amount of liabilities     $22,244 32
Capital stock paid up        3,840 00
Total of liabilities and paid-up capital    $26,084 32
Excess of assets over such total  $ 7,500 69
Receipts.
Net cash received for premiums   $24,668 18
Cash received for interest        1,029 97
Cash from all other sources         607 21
Total receipts      $26,305 36 X 10
British Columbia.
1922
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	
postage, telegrams, and express  	
other expenses  	
Total expenses of management	
Amount paid for losses occurring in previous years 	
Amount paid for losses occurring during the year 	
Cash paid for debentures, mortgages, etc.  (not extended), $3,343.75.
Cash paid for other expenditure 	
Total expenditure
$ S,633
85
367
99
264 37
720 00
102
00
36
00
22
50
$10,146
71
910 14
11,627
56
40
58
$22,724
99
List of Shareholders.
Name.
Residence.
No. of
Shares.
Amount
subscribed.
Amount
paid.
H.   Bell-Irving    	
W. E. Graveley   	
A.  Mc.  Creery   	
A.  F.  Beasley   	
T   O. Rchards  	
H.  W.  Chamberlin   	
H. C. Aekroyd   	
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   	
Vancouver
Victoria. .
Vancouver
35
5
2
3
5
96
$ 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
6S0
40
80
1,400
200
80
120
200
$3,840
J 12 Geo. 5 Report of the Superintendent of Insurance. X 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, C.M.G. H. W. Sassoon.
E. J. Chapman. H. P. White.
General Agents.
Messrs. Jardine, Matheson & Co., Ltd., Hong Kong.
Capital authorized and subscribed   $2,500,000
Amount paid up      1,000,000
Statement for the Year ended December 31st, 1921.
Assets.
Cash in hand, in transit, and on current account, and fixed deposits with banks ... $   939,152 94
Gold investments—
British, Indian, and Colonial Government bonds and stocks   4,390.650 25
Foreign Government loans   5S4.124 67
British, Colonial, and Foreign railway and port, trust bonds and stocks  2S8,463 90
Silver investments— ,
Hong Kong Government 6% War Loan of 1916  100,000 00
Mortgages, loans, and debentures   1,588,917 80
Other investments   480,650 74
Agency balances  662,242 73
Accounts receivable  1S7.S03 00
Total assets   $9,222,006 03
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 :  1,935,483 S7
Reinsurance Fund  1,839,778 61
Investment and Exchange Fluctuation Account   534.464 92
Underwriting Suspense Account  ,.  1,012,224 31
Uncollected dividends   30,595 00
Accounts payable  160,176 23
Working Account, 1920    $1,049,630 19
Less interim dividend at $18 per share paid, on May 19th, 1921..       180,000 00
  869,630 19
Working Account, 1921   2,339,652 90
Total liabilities      $9,222,006 03
Note.—Dollars in Hong Kong currency, with sterling exchange at 2s. 7d. X 12 British Columbia. 1922
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.
Capital authorized and subscribed   £1,000,000
Amount paid        100,000
Statement for the Year ended December 31st, 1921.
Assets.
By Mortgages— f g.   a.
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 IS    1
Investments (valued as at December 31st, 1919; investments made since that
date are valued at cost)    1,063,765 10   3
Due from other companies and agents        75,915 IS    5
Interest accrued but not payable        10,158    2    3
Cash on deposit at bankers and in hand        42,720    9   0
Sundry debtors   190   2 11
Lease and furniture, Fire Department   £658 15    6
Less amount written off      198 15    6
  460   0   0
Policy stamps in hand  625 12    2
Total assets  £1,237,369 13    1
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   43S.425   2 2
Fire and Accident Insurance Fund  3S.584 15 10
Profit and Loss Account  44,746 16 1
General Reserve Fund   200.000   0 0
Investment Reserve Fund  ,  125,000   0 0
£ 946,756 14 1
Claims admitted or intimated but not paid—
Marine  £2,095 15    5
Fire        7,460 12   1
  9,556   7 6
Outstanding charges and reserve for Government taxes  156,166   1 2
Due to other companies and agents  124,583   5 5
Bills payable    293    9 9
Unclaimed dividends   13 15 2
Total liabilities   £1,237,369 13   1 12 Geo. 5 Report of the Superintendent of Insurance. X 13
MARITIME INSURANCE COMPANY, LIMITED.
Head Office—Liverpool, England.
Directors.
Edward Hatton Cookson, Chairman. Harold Sumner.
Johan Frederick Oaroe. Jasper Mulrhead Wood.
James Allan Cook.
Henry Edward Stephens, Secretary.
Authorized capital   £1,000,000
Amount subscribed          500,000
Amount paid up        100,000
Statement for the Year ended December 31st, 1921.
Assets.
£         s. d.
By Investments    .•  1,174.277 13 0
Sundry debtors        124,443 16 1
Interest and dividends accrued, but not payable until after Dec. 31st, 1921 . .         4,742    8 2
Cash on deposit, in hand, and on current account         29,7S6 IS 1
Total assets £1,333,250 15   4
Liabilities.
£ s.   d.
To Shareholders' capital paid up      100,000   0   0
General Reserve Fund      200,000   0   0
Underwriting Fund       640.714 10    1
Profit and Loss Account ... ?      1S5.066   S 10
£1,125,780 18 11
Sundry creditors       207,469 16    5
Total liabilities • £1,333,250 15   4
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 1921.
NEW ZEALAND INSURANCE COMPANY, LIMITED.
Head Office—Auckland, New Zealand.
No report received from this company. X 14 British Columbia. 1922
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 Arbutlmot. 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, 1921.
Assets. i.         s. d.
British Government securities   317,683 15 0
Public Boards, United Kingdom   5,562 10 0
Municipal and country securities, United Kingdom  38,875    0 0
Indian and Colonial Government securities   63,330   0 0
Colonial municipal securities   13,737 10 0
Foreign Government securities   120,293    2 10
Foreign municipal securities   67,705    7 2
Guaranteed anad other Indian railway stock   11,225   0 0
Indian Government railway annuities  9,275    0 0
Railway and other detoentures, home and foreign   125,445    1 7
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
£1,024,002    1    7
Freehold premises       123,000    0    0
£1,147,002 1 7
Agents' balances  84,017 0 2
Outstanding premiums, etc  110,685 11 11
Bills receivable     107 3 6
Interest accrued but not yet payable  9,9S2 0 0
Policy stamps on hand  454 0 8
Cash-
On deposit •  93,455 7 8
In hand and on current account  6,391 19 7
Total assets ■ £1,452,095    5    1
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, Limited)         100,000   0   0
Marine Fund—■
Reserve £500,000   0    0
Profit and loss     232,307    4   0
 732,307    4    0
Reserve for 1920 and previous years      176,745   9   6
Balance of Underwriting Account, 1921       160,485 14    0
Sundry creditors        2S2,556 17    7
Total liabilities    £1,452,095    5    1 12 Geo. 5 Report of the Superintendent of Insurance. X 15
RELIANCE MARINE INSURANCE COMPANY, LIMITED.
Head Office—Liverpool, England.
(No report received from this Company.)
ROYAL PLATE GLASS INSURANCE COMPANY OF CANADA.
Head Office—A'ancouver, B.C.
Directors.
Dr. D. H. Wilson. R. W. Harris.
W. H. Malkin. A. P. Bogardus.
J. P. Nicolls. C. A. Wickens.
Edgar S. Smith, Secretary.
Amount deposited with the Government of British Columbia:   Deposit receipt of Canadian
Bank of Commerce, $125;  Dominion War Loan bonds (par), $5,000;  total, $5,125.
Authorized capital    $25,000
Amount subscribed     10,000
Amount paid up ■       2,750
Statement for the Year ended December 31st, 1921.
Assets.
Cash value of mortgages, exclusive of interest  $ 4.250 00
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc.      7,060 73
Cash on hand at Head Office  1S3 39
Agents' balances and premiums uncollected       1,032 37
Interest due or accrued and unpaid  54 76
Commissions paid in advance  •       1,242 72
Total assets   $13,S23 97
Liabilities.
Claims or losses adjusted, remaining unpaid   $      88 98
Reserve of unearned premiums       4,142 40
Amount of all other liabilities   73 73
Total amount of liabilities   $ 4,305 17
Capital stock paid up  ■       2,750 OO
Total amount of liabilities and paid-up capital    $ 7,055 17
Excess of assets over such total    $ 6,768 80
Receipts.
Net cash received for premiums   $ 5,185 87
Cash received for interest   565 00
Total receipts     $ 5,750 87 X 16
British Columbia.
1922
Expenditure.
Cash paid to agents for commission, salaries, and bonus   $ 1,323 01
„        for interest, discount, and exchange    1 95!
„          „   statutory assessment and licence fees    60 38
„          „   salaries, directors' and auditors' fees   150 00
„          „   printing, stationery, and advertising  39 49
Total expenses of management    $ 1,574 83
Amount paid for losses occurring prior to 1921   628 76
Amount paid for losses occurring during 1921   1,5S2 78
Cash paid for debentures, mortgages, etc.  (not extended), $2,000.
Total expenditure   $ 3,786 37
List of Shareholders.
Name.
Residence.
No. of
Shares.
Amount
subscribed.
Amount
paid.
A. P. Bogarclus
D. H.  AVilson
R. AV. Harris
W. H. Malkin
C. A. Wickens
P. G. Mason  .
J. P. Nicolls  .
I. Douglas  . . . .
M.  Douglas   . .
R. D. Douglas
N. S. Douglas
Vancouver
Boston, U.S.A	
,, ,,       	
Binghamton, U.S.A.
10
14
14
14
8
8
5
12
5
5
5
100
1,000
1,400
1,400
1,400
800
800
500
1.200
500
500
500
$10,000
275 00
385 00
385 00
385 00
220 00
220 00
137 50
330 00
137 50
137 50
137 50
$2,750 00
STANDARD MARINE INSURANCE COMPANY, LIMITED.
Head Office—Liverpool, England.
Directors.
F. W. Pascoe Rutter, Chairman. A. Percy Eccles.
John H. Clayton. Edward Marquis.
Walter B. Duckworth. James G. Nicholson.
N. B. Barnes, Secretary.
Capital authorized and subscribed   £500,000
Amount paid up   100,000
Statement for the Year ended December 31st, 1921.
Assets. £        s   d.
Investments and loans   932,825 7 7
Cash at bankers and in hand  74,570 0 5
Bills receivable  954 12 9
Sundry debtors  •  379,780 7 6
Accrued interest ...'  12,843 6 0
Stamps in hand   392 5 4
Total assets  £1,401,365 19   7 12 Geo. 5 Report of the Superintendent of Insurance. X 17
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 •  103,300    0 0
Provision for income-tax, 1921, and excess profits duty, 1917 and 1918  134,554 15 0
Provision for corporation-tax  10,650   0 0
Balance, Profit and Loss Account  151,988 10 3
Dividend for the year 1921  56,000    0 0
Bills payable   334 16 11
Claims outstanding   199,191    0 0
Sundry creditors    145,346 17 5
Total liabilities   £1,401,365 19 7
THE TOKIO MARINE & FIRE INSURANCE COMPANY, LIMITED.
Head Office—Tokio, Japan.
Directors. ,
M. Suyenobu, Chairman. S. Kirishima.
K. Kagami. T. Majima.
H. Hirao. S. Sasaki.
T. Abe. Baron K. Sonoda.
K. Yamanari.
Capital authorized and subscribed   Y. 30,000.000
Capital paid up          15,000,000
Statement for the Year ended December 31st, 1921.
Assets.
Yen   sen.
Capital unpaid   15,000,000 00
Office premises, etc  1,645.000 00
Japanese Government and municipal securities    15,190.880 00
Foreign Government and municipal securities   10,075,123 39
United States railway and other bonds and shares   2,073.345 60
Bonds, detoentures, and stocks of various companies   14,SSO,025 22
Loans on mortgages, etc  27,791,491 90
Accounts due to the. Company ' 763,639 10
Cash at bankers on deposit and current accounts and in hand  9,901,197 42
Total assets    Y. 97.320,702 63
Liabilities.
Yen    sen.
Share capital    '  30,000,000 00
Legal Reserve Fund  3,750,000 00
Underwriting Fund—
Underwriting Reserve      Y. 38,000,000 00
Underwriting Suspense          10,630,S96 48
 ■ 4S,630,S96 48
Buildings Depreciation Fund   125,000 00
Staff Pension Fund  552,693 1.6
Accounts due by the Company    7,302,539 84
Profit and Loss Account   6.959.573 15
Total liabilities      Y. 97,320,702 63 X 18
British Columbia.
1922
UNION FIRE AND CASUALTY COMPANY.
Head Office—Winnipeg, Man. '
Directors.
S. D. Works. D. Gunn.
J. O. Melin. F. Kennedy.
Geo. J. Deutz. R. L. Nicolson.
J. E. Burchard. K. Everett.
Col. D. McLean. R. B. Graham.
, Geo. J. Deutz, Secretary. i
Amount deposited with the Government of British Columbia : Toronto Harbour Commissioner
bonds (par value), $20,000;  Dominion War Loan bonds (par value), $13,600;  total, $33,600,
Authorized capital     $500,000 00
Amount subscribed     500,000 00
Amount paid up in cash     100,505 55
.   Statement for the Year ended December 31st, 1921.
Assets.
Cash value of real estate, less encumbrances  $    4,552 20
Cash value of mortgages, exclusive of interest  13,550 0O
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc. 135,748 76
Cash on hand at Head Office  1,200 00
Cash on deposit to the Company's credit and not drawn against on Dec. 31st, 1921 . . 6,450 47
Agents' "balances    90,298 79
Interest due and accrued and unpaid  4,877 78
Premiums in the course of collection   6,000 00
Amount of all other assets  31,354 54
Office furniture (not extended), $20,566.78.
Plans, agency plant (not extended), $10,956.42.
Total assets     $294,032 54
«
Liabilities.
Claims or losses in suspense, or supposed, or reported  $ 45,837 83
Reinsurance reserve for insurance contracts in force   29,000 3S
Total reserve of unearned premiums for all outstanding risks  76.454 87
Amount of all other liabilities   53,392 70
Total amount of liabilities  $204,6S5 84
Capital stock paid up in cash     100,505 55
Total of liabilities and paid-up capital    $305,191 39
Excess of liabilities over assets  $ 11,158 85
» Receipts.
Net premiums received in cash  $312,633 01
Cash received for interest  8,578 4S
Cash received for debentures, mortgages, etc. (not extended), $11,3S9.81.
Cash from all other sources  26,712 46
Total receipts      $347,924 55 12 Geo. 5 Report of the Superintendent of Insurance. X 19
Expenditure.
Cash paid to agents for commission, salaries, and bonus   $ 91,773 39
for law costs   935 00
„           „   investigation and adjustment of claims  4,993 12
„           „   interest, discount, and exchange  1,253 01
„          „   statutory assessment and licence fees    9,054 10
„   travelling expenses   7,127 92
„   rent and taxes   7,293 29
„          „   salaries, directors' and auditors' fees   53,272 04
„          „   printing, stationery, and advertising   11,456 54
„          „   postage, telegrams, and express    5,847 29
„           „   other expenses    30,481. 14
Total expenses of management  $223,4S6 84
Amount paid for losses occurring prior to 1921  22,924 17
Amount paid for losses, other than fire, occurring during 1921  79,399 00
Amount paid for fire losses occurring during 1921   37,666 65
Cash paid for dividends   5,000 00
Cash paid for other expenditure   33,412 71
Cash paid for debentures, mortgages, etc. (not extended), $7,215.60.
Total expenditure  $401,889 37
Returns for British Columbia.
Deposit with Government: Toronto Harbour Commissioner bonds, $20,000; Dominion
War Loan bonds, $13,000 (par value)      $33,600 00
Assets (cash, $203.14;  agents'balances, $4,935.48;  premiums in course of collection,
$900)     6,038 62
Liabilities  10,436 59
Premiums received  25,248 70
Losses incurred •  3,330 21
Losses paid  3,330 21
Net amount at risk  29,019 63
Note.—This Company has ceased fo,transact business in the Province, and has reinsured its
business with the Merchants Casualty Company. X 20 British Columbia. 1922
WAWANESA MUTUAL INSURANCE COMPANY.
Head Office—AVawanesa, Man.
Directors.
S. H. Henderson. G. H. Stephens.
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, 1921.
Assets.
Cash value of real estate, less encumbrances   $ 16,763 91
Cash value of bonds, debentures, etc     316,900 00
Cash on hand at Head Office         1,760 7S
Cash on deposit to the Company's credit and not drawn against on Dec. 31st, 1921 ..      S6,463 06
Agents' toalances   109 29
Amount unpaid for instalments for year 1921          2,397 31
Amount unpaid for instalments (not extended), $32,729.16.
Amount unpaid of assessments which were levied during 1921        73,960 96
Amount unpaid of assessments levied in prior years         6,830 57
Amount unpaid of assessments levied in prior years (not extended), $94,188.15.
Amount of premium notes in force after deducting all payments thereon and assessments levied (not extended), $1,404,328.99.
Amount of interest due or accrued         3.2S6 05
Office furniture, etc.  (not extended), $4,62S.58.
Total assets   $50S,471 93
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 Dec. 31st, 1921 .. $115,252 12
Total liabilities  $115,252 12
Receipts.
Cash received as fixed payments due 1921  -  $    3,886 64
Cash received by Company as fixed payments due in prior years  6,157 09
Cash received for assessments levied in 1921  190.009 56
Cash received for assessments levied in years prior to 1921   45,052 60
Cash received for premiums on cash system   77,375 26
Cash received for interest during 1921  18.534 27
Cash received for agents' balances of 1920  464 04
Total receipts     $341,479 46 12 Geo. 5      Report of the Superintendent of Insurance. X 21
Expenditure,
Cash paid for commissions or allowances of any kind to agents    $ 50,952 25
law costs    •  737 02
fuel and light   1,441 06
investigation and adjustment of claims   7,5S5 62
statutory assessment and licence fees   415 00
travelling expenses    3,131 65
rent and taxes   3,636 08
salaries, directors' and auditors' fees  40,S65 72
printing, stationery, and advertising   7,844 32
postage, telegrams, and express    6,186 94
other expenses    3,526 S2
Total expenses of management  $126,322 4S
Cash paid for losses occurring during 1921  221,109 55
„          „   rebate, abatement, and returned premiums   4,091 21
,, „   purchase of debentures, mortgages, etc. (not extended), $24,684.20.
„          „   other expenditure  423 97
Total expenditure  $351,947 21
Returns for British Columbia.
Deposit with Government, Dominion War Loan bonds (par)    S    25,000 00
Other assets •  1,S49 91
Liabilities     1,495 27
Premium notes   35,348 17
Gross premiums received  6,840 24
Losses incurred, net   13,403 15
Losses paid, net   13,403 15
Net amount at risk  2,372,504 00 X 22                                               British Columbia.
•
1922
WESTERN EMPIRE LIFE ASSURANCE COMPANY.
Head Office—Winnipeg, Man.
Directors.
AVilliam Smith.                                                                                 G. N. Broatch.
Dr. A. J. Fraser.                                                                             F. D. Byers.
R. W. Craig, K.C.                                                                            S. D. Hannah.
Brig.-Gen. H. M. Dyer.                                                                   G. E. Graham.
F. C. O'Brien, Secretary.
Amount deposited with the Government of British Columbia:   27 Dominion A*
bonds   (par), $27,000.
ictory Loan
00
oo
00
40
$ 15,319 60
68,871 12
49,958 53
288,977 73
5,303 96
10,979 86
94,055 93
15,635 46
40,389 60
82,724 56
47,821 35
        250 000
Statement for the Year ended December
Assets.
Cash value of mortgages, exclusive of interest 	
        209,610
31st, 1921.
Loans, other than those secured bv mortsasres  	
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc.
Actual cash on hand at Head Office       ......
Cash on deposit to the Company's credit and not drawn against
an Dec. 31st, 1921 ..
Interest due or accrued and unpaid	
Calls on capital stock outstanding in course of collection	
Office furniture (not extended), $4,292.60.
Total assets  	
$72,037 70
Liabilities.
Claims or losses adjusted	
$    3.246 73
23,500 00
421,577 00
331 05
2,855 20
Amount of unpaid loans 	
Reinsurance reserve for life-insurance contracts in force	
 ■•	
Total amount of liabilities 	
$451,509 98
209,610 40
$660,120 38
$ 59,917 32
Receipts.
Net premiums received iu cash  $143,064 50
Cash received for interest •  30,162 00
Cash received for calls on capital stock   9,944 35
Cash from all other sources    29,948 24
Cash received for debentures, mortgages, etc. (not extended), $21,548.96.
Total receipts  $213,119 09 12 Geo. 5
Report of the Superintendent of Insurance.
X 23
Expenditure.
Cash paid to agents for commission, salaries, and bonus .*   $ 36
for law costs 	
„ medical examiners' fees 	
„ interest, discount, and exchange	
„ statutory assessment and licence fees
,. travelling expenses 	
„ rent and taxes 	
„ salaries, directors' and auditors' fees
„ printing, stationery, and advertising .
„ postage, telegrams, and express	
,, other expenses  	
Total expenses of management	
Amount paid for losses occurring prior to 1921 	
Amount paid for losses occurring during 1921 	
Cash paid for dividends 	
Cash paid for other expenditure	
Cash paid for debentures, mortgages, etc.  (not extended), $90,610.02.
¥ 36,612
2S
1,678
23
3,857
50
705
61
2,639 53
880
95
2,520
00
21,221
25
7,683
47
1,769
93
11,675
06
$ 91,243
81
275
00
21,644
05
281 48
18,442
00
Total expenditure  $131,889 34
Returns for British Columbia.
Deposit with Government, ATictory Loan bonds (par)    $ 27,000 00
Assets (real estate, $15,319.60 ;  mortgages, $11,525 ;  loans, $2,493.60;  cash, $3,704.55 ;
premiums uncollected, $7,466.40;  interest, $654.90 ;  calls on capital stock, $1,000;
premium on capital, $1,540;  non-forfeiture loans, $2,848.85)     73,552 90
Liabilities     28,244 50
Premiums received  16.5S9 23
Losses incurred, net  Nil
Losses paid, net  Nil
Net amount at risk   ,  563,650 00 X 24 British Columbia. 1922
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, 1921.
Assets.
£ s.   d.
By Investments at cost         997,784   2    2
Due from other companies and agents         95,307    5    8
Outstanding premiums          21,598 17    6
Interest accrued tout not payable  6,537    3 11
Cash-
On deposit   £20,000   0   0
In hand and on current account        7,408   1   1
 27,40S    1    1
Policy stamps in hand  509   4   2
Total assets  £1,149,144 14    6
.   '    —i	
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 and General Insurance Fund  88,807 1 6
Marine Insurance Fund   395,357 6 6
Investment Reserve Fund  ._  83,000 0 0
Profit and Loss Account '  56,082 14 3
£ 923,247    2 3
Claims admitted or intimated but not paid, fire and general  28,75S    2 4
Outstanding charges and reserve for Government taxes   145,423    9 8
Due to other companies and agents  46,197    7 3
Unclaimed dividends    18 13 0
Reserve for toad debts   5,500   0 0
Total liabilities    • £1,149,144 14    6 12 Geo. 5
Report of the Superintendent of Insurance.
X 25
LIST OF  COMPANIES  LICENSED UNDER THE  "BRITISH  COLUMBIA FIRE
INSURANCE  ACT,"  DECEMBER  31st,  1921.
Name of the Company and Head Office.
Attorney to receive Process in British
Columbia.
(Corrected to July 14th, 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	
The Autocar Fire and Accident Insurance 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	
The Canada Accident and Fire Assurance Co., Montreal, Que	
Canada National Fire Insurance Company,  Winnipeg,  Man	
Canada   Security   Assurance   Co.,   Toronto,   Ont	
The  Canadian   Indemnity   Co.,   Winnipeg,   Man	
Canadian   Fire   Insurance   Company,   Winnipeg,   Man	
tThe 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 Insurance Company, New York, N.Y	
Dominion   Fire  Insurance Company,  Toronto,  Ont	
The Dominion cf 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.. . .
The Essex and Suffolk Equitable Insurance Society, Ltd., London,
England
Fidelity  Phenix  Fire  Insurance  Company,  New York,  N.Y	
Fire  Association  of Philadelphia,  Philadelphia,  Pa	
The Fire  Insurance Company of Canada,  Montreal, Que	
Fireman's  Fund  Insurance  Company,   San  Francisco,  Cal	
Firemen's   Insurance  Company   of   Newark.   New   Jersey	
The General Accident Assurance Company of Canada, Toronto, Ont.
General Accident Fire & Life Assurance Corporation, Limited,
Perth, Scotland
General Fire Assurance Company, Paris, France	
The Girard Fire & Marine Insurance Company, Philadelphia, Pa.. .
Glens Falls Insurance Company, Glens Falls, N.Y	
Globe & Rutgers Fire  Insurance Company, New Y'ork, N.Y	
The Globe Indemnity Co. of Canada, Montreal, Que	
Great  American   Insurance  Company,   New   York,   N.Y	
Guardian Assurance Company, Limited, London, England	
The Guardian Insurance Company of Canada, Montreal, Que	
Hartford   Fire   Insurance  Company,   Hartford,  Conn	
Home   Insurance   Company,   New   York,   N.Y	
Hudson   Bay   Insurance   Company.   Montreal,   Que	
fThe Imperial Guarantee & Accident Insurance Company of Canada,
Toronto.  Ont.
The Imperial Underwriters Corporation of Canada. Toronto, Ont...
Insurance Company of North  America.  Philadelphia,  Pa	
The Insurance Company, of the State of Pennsylvania, Philadelphia.  Pa.
Law, Union & Rock Insurance Company, Limited, London, England
Liverpool & London & Globe Insurance Company, Limited, Liverpool, England
The Liverpool-Manitoba Assurance Company, Montreal, Que	
fThe London & Lancashire Guarantee & Accident Company of
Canada, Toronto, Ont.
The London & Lancashire Insurance Company, Ltd., Liverpool, Eng.
London  Assurance   Corporation,   London,   England	
London Guarantee & Accident Co., Ltd., London, England	
London Mutual  Fire Insurance Company of Canada. Toronto, Ont.
The Marine Insurance Company, Limited, London. England  	
Mechanics & Traders Insurance Company, New Orleans, La	
Mercantile   Fire   Insurance   Company,   Waterloo,   Ont	
*Merchants Casualty Company, Winnipeg, Man	
Merchants  Fire Assurance  Corporation  of New  York, N.Y	
F. W. Rounsefell, A'ancouver.
J. E   Kinsman,   Victoria.
J.  J.  Banfield,  Vancouver.
\V.  A.  Anderson  and  H.   Miskin,  A7an-
C. N. Corwin, Vancouver. [couver.
C. V. Wakely, Vancouver.
D. W.   Campbell,   Victoria.
C.  G.  Hobson,   Vancouver.
John  S.   Gall,   Vancouver.
R. Bone, Vancouver.
Waghorn, Gwynn & Co., Ltd., Vancouver.
E. C. Jahour. Vancouver.
F. W. Rounsefell, Vancouver.
E. B.   McDermid,  Vancouver.
A.   S.   Matthew,   Vancouver.
J. H. Gillespie, A'ictoria.
[v. G. McCandless, Vancouver.
C.  R.  Elderton, Vancouver.
Fred Burgess,  Vancouver. *   •
Fred Burgess,  Vancouver.
A.   W.   Ross,   Vancouver.
A.   W.   Ross.   Vancouver.
It.  W.  Perry, Victoria.
J.   J.   Banfield,   Vancouver.
A. McC. Creery, A'ancouver.
F. C.  Paterson.  Victoria.
Wm. Savage, Vancouver.
J.  H. Lawson, Vancouver.
Thos.  W.  Greer,  Vancouver.
C.  R. Elderton, Vancouver.
Chas. H. Macaulay, Vancouver.
F. W.   Rounsefell,   Vancouver.
A.  W. Ross, Vancouver.
A.  W. Ross, A'ancouver,
Robt.   H.   Swinerton,  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.
C. V. Wakely, Vancouver.
John G.  Elliott, Victoria.
Arthur Coles, Victoria.
Leeming Bros.,  Ltd.,   Victoria.
C.   O.   Hobson.  A'ancouver.
E. D. Todd,  Victoria.
C.  B.  Whitney,  Vancouver.
George  Rorie,   \7ancouver.
E.  J.  Enthoven,   Vancouver.
A.  W.  McLeod. A7ancouver.
W. E. Martin, Vancouver.
A. S. Matthew, Vancouver.
A. McC.  Creery,  Vancouver.
F.  W. Rounsefell. Vancouver.
S. Burke, A'ancouver.
W. S. Day, Victoria.
R.  G.  Meddle,  Vancouver.
George Allan Kirk, Victoria.
H.  W.  Dyson,  Vancouver.
F.  W.  Walker,  Vancouver.
Donald  Cramer,  Vancouver.
A. Waring Giles. Vernon.
C. N. Corwin, Vancouver.
11. A.  Robertson,  Vancouver.
A. W. Blake, Vancouver.
R.  C.  Hall,  Victoria.
L. II. Conyers. Victoria.
A. W. Blake, Vancouver.
A. W. Blake. Vancouver.
Harold B. Girdwood. Victoria.
R. C. Janion, Vancouver.
Christopher   G.   Hobson.   Vancouver.
A. A. Meharey, Victoria.
W.  S.  Holland.  Vancouver.
A. W. Blake, Vancouver.
J. B. Love, A'ancouver.
C. G. Hobson,  Vancouver. X 26
British Columbia.
1922
LIST OF  COMPANIES  LICENSED  UNDER THE  "BRITISH COLUMBIA FIRE
INSURANCE ACT," DECEMBER 31st, 1921—Continued,
Name of the Company and Head Office.
Attorney to receive Process in British
Columbia.
(Corrected to July 1,4th, 1921.)
The   Merchants   Marine   Insurance   Company,   Limited,   London,
England
Millers  National   Insurance  Company,   Chicago,   111	
The  Motor  Union   Insurance  Co.,   Ltd.,   London,   England	
The Mount Royal Assurance Company, Montreal, Que	
National Ben Franklin Fire Insurance Company, Pittsburgh, Pa...
National  Benefit  Assurance Co.,   Ltd.,   London,  England	
National Fire Insurance Company of Hartford, Hartford, Conn...
The Nationale Fire Insurance Company, Paris, France	
National   Provincial   Plate   Glass   &   General   Insurance   Company,
Limited,   London,  England
National   Union   Fire   Insurance   Company,   Pittsburgh,   Pa	
The Newark Fire Insurance Company, Newark, N.J	
New Hampshire  Fire  Insurance Co.,  Manchester,   N.H	
New Jersey  Insurance  Company,  Newark,  N.J	
Niagara Fire Insurance Company, New Y7ork, 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,   Alan	
Northwestern  Mutual  Fire Association.   Seattle.   Wash	
Northwestern  National   Insurance  Company,   Milwaukee,   Wis	
Norwich Union Fire Insurance Society,  Limited,  Norwich, Eng...
Occidental   Fire  Insurance   Company,   Winnipeg,   Alan	
The Ocean Accident & Guarantee Corporation, Limited, London, Eng.
Pacific   Coast   Fire  Insurance  Company,   Vancouver.   B.C	
The  Pacific  Alarine  Insurance   Co.,   Vancouver,   B.C	
Palatine   Insurance  Company,   Limited.   London,   England	
The Patriotic Assurance Company,  Limited,   Dublin.   Ireland   ....
The Phenix  Fire  Insurance Company  of Paris.  France	
Phoenix  Assurance  Company,   Limited,   London,  England	
The Phoenix Insurance Company, Hartford.  Conn	
Providence   Washington   Insurance   Company.   Providence,   R.I....
Provincial   Insurance   Co..   Ltd..   Bolton.   England	
Quebec Fire Assurance Company, Quebec.  Que	
Queen  Insurance  Company of America.  New  York	
Queensland  Insurance  Company,   Limited.   Sydney.   Australia	
Railway   Passengers   Assurance  Co..   London.   England	
Reliance Insurance Company of Canada. Montreal, Quebec	
Royal   Exchange   Assurance,   London,   England	
Royal  Insurance  Company.   Limited,  Liverpool,   England	
The   Roval   Scottish   Insurance  Co.,  Ltd.,   Glasgow.   Scotland	
St. Paul Fire & Marine Insurance Companv.  St. Paul.  Minn	
Scottish Canadian Assurance Corporation. Toronto. Ont	
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 l7ork,  N.Y7	
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	
.1. A. AToung, Vancouver.
C. G. Hobson, A7ancouver.
W. W. Johnston, Vancouver.
C. G. Hobson, Vancouver.
J.   H.  Johnston.   Victoria.
Gordon Bell, Vancouver.
II. T. Barnes, Victoria.
C G. Hobson, Vancouver.
A. M. English, Vancouver.
E. E. Rand, Vancouver.
F. W. Walker, Vancouver.
E.  C.  Jahour, Vancouver.
H. A.  Robertson.  Vancouver.
D. Leeming, Victoria.
J. Edward Sears. Vancouver.
II. R. Budd, Vancouver.
ULTmon Fire and Casualty Company, Winnipeg, Man	
Union Insurance Society of Canton. Ltd.. Victoria. Hong Kong...
The Union Marine Insurance Company, Limited, Liverpool, England
United States  Fire  Insurance  Company.   New  York,  N.Y	
Vulcan  Fire Insurance Company of Oakland.  Cal	
DThe Wawanesa Mutual Insurance Co.. Wawanesa. Alan	
Western   Assurance   Company.   Toronto.   Ont	
Westchester Fire  Insurance Company, New A'ork.  N.Y	
The Yang-tsze Insurance Association.  Limited.  Shanghai. China..
The Yorkshire Insurance Company, Limited. Y'ork, England	
John  W.  Wilson,  Vancouver.
Bernard C.  .Mess. Victoria.
Chas. fit. C. Payne, Victoria.
.1. H. Constantine, Vancouver.
W. B. Blane,  Vancouver.
B.   S.  Heisterman,   Victoria.
B. C.  Mess, Victoria.
John  R.  Hannah,  A7ancouver.
Thos.  W. Greer. Vancouver.
Leslie  II.  Wright,  Vancouver.
A.   W.   Ross,   Vancouver.
E. V. K. Rankin. Vancouver.
J.  A.  Griffith,  Victoria.
F. W. Rounsefell, Vancouver.
Arthur E.  Haynes,  Victoria.
R. B. Spears, Vancouver.
W.   B.   Blane,   Vancouver.
A. W. Blake, Vancouver.
Mthet Consolidated. Limited. Victoria.
C. Gardner-Johnson,   Vancouver.
P.   H. Grant. Vancouver.
Chas. V. Wakely, Vancouver.
H. G. Lawson, Jr., Victoria.
F. W.  Walker,  Vancouver.
J.  H. Watson.   Vancouver.
B. S. Heisterman. Victoria.
A. W. McLeod, Vancouver.
Lawrence  W.  Peel,  Vancouver.
Pemberton  &  Son,  Victoria.
Chas. H. Macaulay, Vancouver.
II.  R.  Budd.  Vancouver.
EC.   A.   Robertson,   Vancouver.
F.   B.  Pemberton.  Victoria.
C. D. J. Christie, Vancouver.
D. C. McGregor,  A7ancouver.
Franco-Canadian   Company,   Limited,
Vancouver.
Gordon Bell, Vancouver.
C  P.  Elderton. Vancouver.
C. H. Macaulay, Vancouver.
H. A.  Robertson.  Vancouver.
T. W. Greer, Vancouver.
IAT. W. Kempton.  Lumby.
R. B. Spears, Vancouver.
R.  P. Clark. A'ictoria.
B. G. D. Phillips. Vancouver.
II.   W.  Dyson.  Vancouver.
$ Licence  under  "B.C.   Fire  Insurance  Act"  limited   to   insurance  of  automobiles  against  fire;    also
licensed under the " Insurance Act " to transact guarantee, burglary, plate glass, and automobile insurance.
t Licence  under  "B.C.   Fire  Insurance  Act,"  limited   to   insurance   of  automobiles   against   fire;   also
licensed under the "Insurance Act" to transact guarantee, accident, sickness, automobile,  and plate-glass
insurance.
* Licence under " British Columbia Fire Insurance Act " limited to insurance of automobiles against
fire. Also licensed under "Insurance Act" to transact accident (excluding employers' liability, sickness, and
automobile insurance.
§ Licence under " B.C. Fire Insurance Act," limited to insuring automobiles against loss or damage by
fire ; also licensed under the " Insurance Act" to transact automobile, burglary, accident, sickness, and
plate-glass   insurance.
|| Deposit: Dominion War Loan bonds. $13,600; Toronto Harbour Commission bonds, $20,000.
(Includes deposit under " Insurance Act")
liDeposit:   Dominion War Loan bonds. $2o.0OO.
Note.—Licensed since December 31st, 1921 :—
Baloise Fire Insurance Company, Basle.  Switzerland ;   A.  S. Matthew7. Vancouver.
The British Oak Insurance Company, Limited. London. England:   II. A. Robertson, Vancouver.
Ensign Insurance Company, Toronto, Ont. ; Wm. B. Blane, A'ancouver.
Security Insurance Company of New Haven, Conn. ;   T. W. Greer, Vancouver.
United British Insurance Company, Limited, London, England ;   B. S. Brown, Vancouver. . LIST  OF  COMPANIES  LICENSED  UNDER THE  " INSURANCE  ACT,"  DECEMBER 31st, 1921.
X 27
Name  o£ Company  and  Head  Office.
Mtna. Insurance Co.,  Hartford,  Conn	
/Etna Life Insurance Co., Hartford,  Conn	
Alliance Assurance Co., Ltd., London, Eng	
Alliance Insurance Co. of Philadelphia, Pa	
American  Alliance  Insurance Co.,  New  York,  N.Y.
American Central Insurance Company,  St.  Louis,  Mo	
The Boiler Inspection & Insurance Co. of Canada, Toronto, Ont	
Boston  Insurance  Co.,  Boston,   Mass	
British  America Assurance  Co.,  Toronto,  Ont ,	
The British and Foreign Marine Insurance Co., Ltd., Liverpool, Eng. .
(1.) The British Columbia Plate Class insurance Co., Vancouver, B.C.
The British Crown Assurance Corporation, Ltd., Glasgow, Scotland
British Traders Insurance Co., Ltd.,  Victoria, Hong Kong  	
The Canada Accident and Fire Assurance Co., Montreal, Que	
Canada Life Assurance  Co.,  Toronto,  Ont	
Canada Security Assurance Company, Toronto, Ont	
Canadian Fire Insurance Company,  Winnipeg,  Man .
The Canadian  Surety  Co., Toronto,  Ont	
The Canton Insurance Office, Limited, Victoria, Hong Kong   . .
The Capital Life Assurance Co. of Canada, Ottawa, Ont	
Car and General Insurance Corporation, Ltd., London, Eng.   . .
Columbia  Insurance  Company,  Jersey  City,  N.J	
Commercial Union Assurance Company, Limited, London, Eng.
Confederation  Life  Association,  Toronto,  Ont	
Continental Casualty Co.,  Hammond,  Ind	
Continental Insurance Company, New York, N.Y	
Que.
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.
Employers Liability Assurance Corporation,  Ltd., London, Eng	
Equitable Fire & Marine Insurance Co., Providence, ii.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
The General Animals Insurance Co. of Canada, Montreal, Que	
Glens Falls Insurance l,o., Glens Jballs, N.Y	
Globe & Rutgers Fire Insurance Co., New York, N.Y.
The Globe Indemnity Co. of Canada, Montreal, Que.
Great American Insurance Co., New York, N.Y.   . .
The Great West Life Assurance Co., Winnipeg, Man ,
The Guarantee Company  of North America,  Montreal,  Que.
The Guardian Insurance Co. of Canada, Montreal, Que	
Hartford Accident and Indemnity Company, Hartford, Conn.
Hartford Fire Insurance Co., Hartford, Conn	
Home Insurance Co., New York, N.Y	
The Imperial Guarantee & Accident Insurance Co. of Canada, Toronto, Ont.
The Imperial Life Assurance Co. of Canada, Toronto, Ont.
Insurance Company of North America, Philadelphia, Pa.
Law, Union & Rock Insurance Co., Ltd., London, Eng.	
The Liverpool-Manitoba Assurance Company, Montreal, Que	
The London & Lancashire Guarantee & Accident Co. of Canada, Toronto, Ont.,
The London & Lancashire Insurance Co., Ltd., Liverpool, England ..	
London & Provincial Marine & General Insurance Co., Ltd., London, Eng.
The London & Scottish Assurance Corporation, Limited, London, Eng	
London Assurance Corporation, London, Eng	
London Guarantee & Accident Co., Ltd., London, Eng.	
London Mutual Fire Insurance Company of Canada, Toronto, Ont	
The London Life Insurance Co., London, Ont	
Loyal Protective Insurance  Co.,  Boston,  Mass	
Lumbermen's Mutual Casualty Company, Chicago, Hi	
The Manufacturers Life Insurance Co., Toronto, Ont	
The Marine Insurance Co., Ltd., London,  Eng	
Maritime Insurance Co., Ltd., London, Eng	
Maryland Casualty  Co.,  Baltimore,  Maryland   	
Merchants  Casualty  Co..   Winnipeg,   Man.   ., ,
The Merchants Marine Insurance Co., Ltd., London, England .
Metropolitan Life Insurance Co., New York, N.Y	
The Monarch Life Assurance Co., Winnipeg, Man	
The Motor Union Insurance Company, Limited, London, Eng.
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	
The Newark Fire Insurance Co., Newark, N.J	
New Jersey Insurance Company, Newark, N.J.
New York Life Insurance Co., New York, N.Y	
The New York Plate Glass Insurance Co., New York, N.Y	
New Zealand Insurance Company, Ltd., Auckland, New Zealand
Niagara Fire Insurance Co., New York, N.Y.	
The North American Accident Insurance Co., Montreal, Que.
North  American  Life Assurance  Co.,  Toronto,  Ont	
Northern Assurance Company,  Ltd.,  London, Eng	
The Northern Life Assurance Co. of Canada, London, Ont. . .
Northwestern Mutual Fire Association, Seattle,  Wash	
Northwestern National Insurance Co., Milwaukee, Wis	
Norwich Union Fire Insurance Society, Ltd., Norwich, Eng	
Norwich Union Life Insurance Society, Norwich,  Eng ,
Occidental Fire Insurance  Company,   Winnipeg,  Man	
The Ocean Accident & Guarantee Corporation, Ltd., London, Eng.
Ocean Marine Insurance Co., Ltd., London, Eng ,
The Pacific Marine Insurance Company, Vancouver, B.C.	
The Palatine Insurance Company, Limited,  London,  Eng ,
Phoenix Assurance Co., Ltd., London, Eng ,
The Phoenix Insurance Co., Hartford, Conn	
The Preferred Accident Insurance Company of New York, N.Y	
The Protective Association of Canada, Granby, Que	
The Prudential Insurance Co. of America, Newark, N.J -.	
Queen Insurance Co. of America, New York, N.Y	
Queensland  Insurance  Co.,  Ltd.,  Sydney,  Australia	
Railway Passengers Assurance Co., London, Eng	
Reliance Marine Insurance Co., Limited, Eng	
The Ridgely  Protective  Association,  Worcester,  Mass	
Royal Exchange Assurance,  London,  Eng	
Royal Insurance Co.,  Ltd.,  Liverpool,  Eng.	
(2.)   Royal Plate Glass Insurance Company of Canada, Vancouver, B.C	
St. Paul Fire & Marine Insurance Co., iSt. 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., Limited, Tokio, Japan	
The Travelers Indemnity Company, Hartford, Conn	
Que.
The Travelers Insurance Co.,  Hartford,  Conn.
Travellers Life Assurance Co. of Canada, Montreal,
Union Assurance Society, Limited, London, England
(3>)   Union Fire and Casualty Company, Winnipeg, Man	
Union Insurance Society of Canton, Ltd., Victoria, Hong Kong
The Union Marine Insurance Company, Ltd., Liverpool, Eng	
Union Mutual Life Insurance Co., Portland, Maine	
United States Fidelity & Guaranty Co., Baltimore,  Md	
United States Fire Insurance Co., New York, N.Y	
United States Lloyds,  Inc., New York, N.Y	
Western  Assurance   Company,   Toronto,   Ont	
The Western Casualty Company, Denver, Col	
(4)  The Western Empire Life Assurance Co., Winnipeg, Man.  . .
The Western Life Assurance Co., Winnipeg, Man	
Westchester Fire Insurance Company, New York, N.Y ,
The World Marine & General Insurance Co., Ltd.,  London, Eng.
The Yang-tsze Insurance Association, Ltd., Shanghai, China
The Yorkshire Insurance Co., Ltd., York, Eng	
Attorney  to   receive  Process  in   British
Columbia.
(Corrected to July 14th, 10-21.)
J. E.  Kinsman, Victoria  	
John  F.   Brandt,  Vancouver   	
W. Anderson and H. Miskin, Vancouver.
C. N.  Corwin, Vancouver
C. V. W^akely, Vancouver .
D. W. Campbell, Victoria  	
R.  V.  Winch & Co., Ltd.,  Vancouver
E. C. Jahour, Vancouver	
F. W. Rounsefell, Vancouver	
B.   C.   Mess,   Victoria   	
Head   Office,   Vancouver    	
A. ,S. Matthew, Vancouver  	
C. R. Elderton, Vancouver ..
A. W. Ross, Vancouver ....
F. W. Marsh, Vancouver . ..
J. J. Banfield. Vancouver .. .
F. C. Paterson, Victoria
William   Savage,   Vancouver
Wise & Co., Ltd., Victoria . .
W. D. Kennedy, Vancouver .
J. H. Lawson, Vancouver ..
F. W. Rounsefell, Vancouver
A. W. Ross, Vancouver  . . .
ii. R. Glass, Vancouver  ...
A. S. Matthew, Vancouver
W. A. Lawson, Vancouver
James Moss, Victoria	
F. R. McD. Russell, Vancouver  	
B. S. Brown, Vancouver  	
N. T. Truell, Vancouver  	
./.  C.  Stuart, Vancouver  	
ft. J. Loewen and R. G. Harvey, Vancouver
Jas. A. Young, Vancouver .
C. V. Wakely, Vancouver   .
F. J. Gillespie, Vancouver
Seeley & Co., Vancouver .
Arthur  Coles,  Victoria   ...
E. D. Todd, Victoria  ......
0. B.  Whitney, Vancouver   .
vV. F.  Sangster, Vancouver
E. J. Enthoven, Vancouver .
A. S. Matthews, Vancouver .
A. S. Matthews, Vancouver .
A. McC.  Creery, Vancouver
F. W. Rounsefell, Vancouver
3. Burke, Vancouver   	
J. A. Johnson, Vancouver .
C. A. Holland, Victoria . ..
W. E. Graveley, Vancouver
H. R. Budd, Vancouver ...
Gr. A. Kirk, Victoria  	
H. W. Dyson, Vancouver
D. Cramer, Vancouver  ..
Stanley Henderson, Vancouver
0. N. Corwin, Vancouver   ....
A. W. Blake, Vancouver
L-. U. Conyers, Victoria
A. W. Blake, "Vancouver
A. W. Blake, Vancouver	
R. V. Winch & Co., Ltd., Victoria	
Lawrence W. Peel, Vancouver  	
ft. V. Winch & Co., Ltd., Victoria	
J. H. Watson, Vancouver  	
C. G. Hobson, Vancouver   	
William B. Ryan, Victoria	
Gr. H.  Grant, Vancouver   	
J. H. Constantine, Vancouver	
W. B. Barwis, Vancouver	
A. A. Meharey, Victoria	
Rithet Consolidated, Limited, Victoria
H. T. Barnes, Victoria	
J. B. Love. Vancouver	
James A. Young, Vancouver
P. Winterborne, Victoria . .
R. W. Harris, Vancouver . .
W. W. Johnston, Vancouver
W. J. Twiss, Vancouver....
A. Callander, Vancouver . . .
Gordon Bell, Vancouver . . . .
H. T. Barnes, Victoria	
Lindley Crease, Victoria ....
F. W. Rounsefell, Vancouver
ft. V. Winch, Vancouver . ...
F. W. Walker, Vancouver ...
H. A. Robertson, Vancouver
M. H. Garwood, Vancouver ..
A. S. Matthew, Vancouver ..
I. T. Summerfield, Vancouver
D. Leeming, Victoria	
I. E. Sears, Vancouver  	
Ellis W. Keenleyside, Vancouver  .. .
ft. V. Winch & Co., Ltd., Vancouver
W. H. Clarke, Vancouver	
J. H. Constantine, Vancouver	
W. B. Blane, Vancouver	
B. S. Heisterman, Victoria	
B. S. Heisterman, Victoria	
B.  C.  Mess,  Victoria   	
J. R. Hannah, Vancouver	
ft. V. Winch & Co., Ltd., Victoria
L. H. Wright, Vancouver	
A W. Ross, Vancouver	
F. W. Rounsefell, Vancouver  ....
A E. Haynes, Victoria	
J. S. Gall, Vancouver	
F. G. Bell, Vancouver  	
W. C. Bowden, Vancouver	
lithet Consolidated, Limited, Victoria
C.  Gardiner  Johnson,  Vancouver   ....
P. H. Grant, Vancouver  	
lithet Consolidated, Limited, Victoria
lohn Dunlop, Nelson  	
H. G. Lawson, Jr., Victoria	
B\ W. Walker, Vancouver  	
Head Office, Vancouver  	
B. S. Heisterman, Victoria	
Lawrence W. Peel, Vancouver  	
S\ B. Pemberton, Victoria   	
-VI. D. McP'herson, Vancouver	
I. W. Kerr,  Vancouver  	
C. Gardiner Johnson, Vancouver	
EL R. Budd, Vancouver	
H. O. Leach, Vancouver  	
B. G. D. Phillips, Vancouver	
ft. C. Hall, Victoria 	
ft. C. Hall, Victoria	
J. D. Mather, Vancouver .
Chas. R. Bishop, Victoria .
Gordon Bell, Vancouver ..
C. R. Elderton, Vancouver
C. H. Macaulay, Vancouver ..
Viggo F. Laursen, Vancouver
Leslie H. Wright, Vancouver
H. A. Robertson, Vancouver .
B. G. D. Phillips, Vancouver
a. B. Spears, 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 ....
Description of Insurance Business for which Licensed.
(Corrected to July 14th, 1921.)
* 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.
*Hail, ocean,  marine,  inland marine,  inland transportation,  and automobile.
Marine, inland transportation, .and sprinkler leakage.
Plate glass.
Automobile (excluding insurance against loss by reason of bodily injury to
the person).
* Automobile and marine.
* Accident, sickness, plate glass, guarantee, burglary, and automobile.
Life.
* Automobile.
* Automobile.
Guarantee, burglary, plate glass, and automobile. (Also licensed under
" B.C. Fire Insurance Act " to insure automobiles against loss or damage
by fire.)
Marine.
Life.
* Accident, hail, automobile, and sickness.
* Automobile   (excluding insurance against loss by reason of bodily injury to
the person)  and inland transportation.
Life.
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
per son j.
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 robbery.
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 automobile   (excluding insurance against
loss by reason of bodily injury to the person).
:: Marine.
* Accident, sickness, steam-boiler, guarantee, automobile, burglary, and insur
ance against loss or damage by robbery.
Automobile   (excluding insurance against loss by reason of bodily injury  to
the person).
Live stock and plate glass.
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, fiy-wheels, engines, and machinery connected therewith
or operated thereby), and marine.
Accident,  sickness,  burglary,  automobile,  guarantee,  and forgery.
nail, tornado, sprinkler leakage, marine, automobile (excluding insurance
against loss by reason of bodily injury), explosion (including riot and
civil  commotion),  and inland transportation.
Life.
G uarantee.
'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 caused
by rain, tempest, flood, or other climatic conditions, except loss of or
damage to property caused by hail, windstorm, cyclone, or tornado.
^Automobile, sprinkler leakage, hail, tornado, explosion (including riot and
civil commotion), burglary, property damage, inland transportation, and
insurance against loss or damage by rain or flood.
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)  and automobile.
accident, sickness, guarantee, plate glass, automobile, burglary, and insurance against loss or damage occasioned by larceny, theft, or stealing from
the person by violence, threat, hold-up or otherwise.
* Marine, automobile, and explosion (including riot and civil commotion).
Marine.
Life.
jiarine, automobile, inland marine, and inland transportation.
Accident,  sickness,  guarantee,  and  burglary.
'Automobile.
Life.
Accident and sickness amongst members of I.O.O.F.
Automobile.
Life.
Tnland transportation, automobile, marine, and inland marine.
Marine.
Accident,   burglary,  guarantee,   plate   glass,   steam-boiler,   sickness,   forgery,
iy-wheel,  sprinkler leakage,  and insurance against loss  or  damage bv
robbery.
Accident  (excluding employers' liability), sickness, and automobile.
* Automobile.
Life. .,
Life.
:: Accident, automobile, and marine.
Life.
Life.
"Marine, accident, sickness, hail, and automobile.
Tornado, explosion (including riot and civil commotion), inland transporta
tion, marine, and automobile (excluding insurance against loss by reason
of bodily injury to the person).
Life.
Plate glass.
Guarantee, burglary, and forgery.
•'Marine   and   automobile   (excluding   insurance   against   loss   by   reason   of
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),
narine, and explosion  (including riot and civil commotion).
"Accident,  sickness,  plate  glass,  automobile,  and  burglary.
Life.
:Marine, accident, sickness, automobile, guarantee, and plate glass.
Life.
Automobile  (excluding insurance against loss by reason of bodily injury to
the person).
^Automobile.
:Accident, sickness, plate glass, automobile.
Life.
"Automobile.
"Accident,  sickness,  guarantee,  plate  glass,  automobile,  and  burglary.
Marine.
"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, inland transportation, and marine.
Marine.
Accident, sickness, guarantee, plate glass, and automobile.
Marine.
Accident and sickness amongst members of I.O.O.F.
"Accident, sickness, and automobile.
'Life and marine.
Plate glass.
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.
steam-boiler,  plate glass,  burglary,  automobile,  and fly-
Marine
Accident,   sickness.
wheel.
Life and accident.
Life.
* Automobile.
* Accident, sickness, and automobile.
* Marine, automobile, accident, sickness, inland transportation, and insurance
• against  damage  to  property  of  any  kind  caused  by  the  explosion  of
natural or other gas.
Marine,   inland   marine,   inland   transportation,   and   automobile   (excluding
insurance against loss by reason of bodily injury to  the person).
Life.
Guarantee, accident, sickness, burglary, plate glass, steam-boiler, and robbery.
:: Automobile   (excluding  insurance  against  loss by  reason  of  injury  to  the
person and explosion  (including riot and civil commotion).
Marine.
-Marine, inland transportation, explosion (including riot and civil commotion),
tornado, and automobile.
Accident and sickness.
Life.
, Life.
'Explosion   (including riot and civil commotion).
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.)  Dominion War Loan Bonds, $5,000, and deposit receipt, Canadian Bank of Commerce, $12'5.
(3.)  Dominion War Loan Bonds, $15,600;   Toronto Harbour Commission Bonds, $i2O,0O0.     (Includes deposit under "B.C. Fire Insurance Act.")
(4.)  Dominion War Loan Bonds, $27,00.0.
Note.—Licensed since December 31st, 1921 :—
The Casualty Company of Canada, Toronto, Ont.;   Gordon Bell, Vancouver ;   automobile, burglary, and plate glass.
Fidelity Insurance Company of Canada, Toronto, Ont.;   Robert E. Brett, Victoria ;   guarantee.
Imperial Underwriters Corporation of Canada, Toronto, Ont.;  A. Wraring Giles, Vernon ;   accident, automobile, guarantee, and sickness.
Sun Insurance Office, London, England ;   F. B. Pemberton, Victoria;   accident, automobile, guarantee, and sickness. 12 Geo. 5
Report of the Superintendent op Insurance.
X 29
TABLE I.—NET FIRE INSURANCE PREMIUMS AND NET LOSSES, 1921.
Name of Company.
.Ltd.
The Acadia Fire Insurance Co.	
Aetna Fire Insurance Co	
Agricultural Insurance Co	
Alliance Assurance Co., Ltd	
Alliance Insurance Co. of Philadelphia	
American Alliance Insurance Co	
American Central Insurance Co	
American Equitable Assurance Co. of N. Y.
Atlas Assurance Co., Ltd	
The Autocar Fire <fc Accident Insurance Co.,
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 p	
California Insurance Co   	
The Canada Accident & Fire Assurance Co	
Canada National Fire Insurance Co	
Canada Security Assurance Co	
The Canadian Indemnity Co 	
Canadian Fire Insurance Co	
The Canadian Surety Co   	
Car & General Insurance Corporation, Ltd	
The Century Insurance Co., Ltd.	
The China Fire Insurance Co., Ltd	
Citizens Insurance Co. of Missouri	
Columbia Insurance Co. of N.J	
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.	
The Fire Insurance Co. of Canada	
Fireman's Fund Insurance Co   	
Firemen's Insurance Co. of Newrark       ...
General Accident Assurance Co. of Canada	
The General Accident Fire & Life Assurance Corporation, Ltd....
General Fire Assurance Co. of Paris, France	
The Girard Fire & Marine Insurance Co	
Glens Falls Insurance Co	
Globe & Rutgers Fire Insurance Co	
The Globe Indemnity Co. of Canada	
Great American Insurance Co	
Guardian Assurance Co., Ltd	
The 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	
The Insurance Co. of the State of Pennsylvania	
Law, Union & P„ook Insurance Co., Ltd 	
Liverpool & London & Globe Insurance Co., Ltd.  	
The Liverpool-Manitoba Assurance Co......     	
The London & Lancashire Guarantee & Accident Co. of Canada..
Carried forward ,	
Net Premiums.
32
59.
18.
31.
32.
5.
30.
9.
37
3.
7.
34.
61
IB.
92.
12
1",
34.
16.
51,
30.
25.
31.
11
8
31.
1.
15,
35,
7,
36,
21,
88,
7,
36,
47.
22,
5,
50,
47,
7,
6,
66,
20,
22,
45,
9,
12.
18,
12.
3,
11.
41,
36.
44,
118.
14,
112,
127.
42,
2
50.
82,
SO.
22,
175,
50,
7.
Net Amount of
Losses incurred.
$ 7,340 93
19,284 96
1,486 68
1,235 47
24,262 90
1,137 52
4,603 08
1,226 95
4,056 34
Nil.
654 75
15,875 7«
27,480 91
13,310 61
154.669 00
849 45
5,739 18
17,440 30
1,574 52
7,943 58
10,998 70
8,698 18
3,294 93
2,757 10
24 43
4,116 18
764 72
102 11
6,285 05
2,720 83
17,168 93
2,941 94
39,218 51
2,492 00
5,998 39
57,402 03
7,033 25
Nil.
16,848 19
16,272 45
860 37
290 12
64,227 34
7,920 48
3,405 03
22,528 39
1,050 37
1,274 73
1.019 87
6,201 38
55 50
2,834 47
106,870 25
20,692 07
17,8.'l 76
42,960 63
8,972 91
123,699 73
111.670 87
10,800 51
8,480 13
13,844 37
61,146 ^9
12,437 94
5.020 85
49,469 25
32,652 52
5,627 98
¥1,264,181 32
Net Amount of
Losses paid.
S 4,065 27
19,886 15
2,565 07
1,075 67
19,527 90
1,138 52
6,972 32
1,226 95
4,056 34
mi.
299 75
19,685 88
28,885 91
1.3,306 36
149,187 89
1,560 45
5,513 55
15,435 30
1,234 52
6,959 13
6,903 57
9,746 86
3,004 93
2,578 35
694 04
4,039 09
669 64
97 11
11,935 99
4,314 42
17,027 93
2,784 52
40,716 61
2,551 50
4,931 89
57,149 52
7,528 60
969 50
13,572 25
14,832 87
904 68
290 12
61,176 98
7,094 19
3,406 03
23,005 73
14,920 20
1,274 73
1,819 26
7,519 38
55 50
3,825 47
105,471 09
17,462 07
15,083 76
40,710 03
3,972 91
107,242 53
101,879 87
12,216 51
4.818 11
15,629 56
57.916 89
14,290 99
5,020 85
61,256 25
45.917 52
5,627 98
$1,248,539 05 X 30
British Columbia.
1922
TABLE I.—NET FIRE INSURANCE PREMIUMS, ETC.—Continued.
Company.
Brought forward.,
, Ltd.
London & Lancashire Insurance Co.,
London Assurance Corporation    	
London Guarantee & Accident Co., Ltd	
London Mutual Fire Insurance Co. of Canada.	
The Marine Insurance Co., Ltd	
Mechanics & Traders Insurance Co	
Mercantile Fire Insurance Co	
Merchants Casualty Co   .
Merchants Fire Assurance Corporation of N.Y	
The Merchants Marine Insurance Co., Ltd	
Millers National Insurance Co	
The Motor Union Insurance Co., Ltd	
The Mount Royal Assurance Co	
National Ben Franklin Fire Insurance Co	
National Benefit Assurance Co., Ltd. :. .
National Fire Insurance Co. of Hartford	
The Nationale Fire Insurance Co., Paris	
National Provincial Plate Glass & General Insurance Co.,
National Union Fire Insurance Co	
Newark Fire Insurance Co	
New Hampshire Fire Insurance Co	
New Jersey Insurance Co	
Niagara Fire Insurance Co	
North American Accident Insurance Co	
North British & Mercantile Insurance Co	
North Empire Fire Insurance Co	
Northern Assurance Co., Ltd	
North West Fire Insurance Co	
Northwestern Mutual Fire Association	
Northwestern National Insurance Co 	
Norwich Union Fire Insurance Society7, Ltd	
Occidental Fire Insurance Co	
The Ocean Accident & Guarantee Corporation, Ltd	
Pacific Coast Fire Insurance Co	
The Pacific Marine Insurance Co	
Palatine Insurance Co., Ltd	
The Patriotic Assurance Co., Ltd	
The Phenix P'ire Insurance Co. of Paris	
Phoenix Assurance Co., Ltd	
The 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	
Railway Passengers Assurance Co	
Reliance Insurance Co. of Canada	
Royal Exchange Assurance	
Royal Insurance Co., Ltd	
The Royal Scottish Insurance Co., Ltd	
St. Paul Fire & Marine Insurance Co	
Scottish Canadian Assurance Corporation	
Scottish Metropolitan Assurance Co., Ltd	
Scottish Union & National Insurance Co	
Springfield Fire & Marine Insurance Co	
The Sterling Fire Insurance Co	
Stuyvesant Insurance Co	
Sun Insurance Office	
The Traders & General Insurance Association, Ltd	
Union Assurance Society, Ltd	
The Union Fire & Casualty Co	
Union Fire Insurance Co. of Paris, France	
Union Insurance Society of Canton, Ltd	
The Union Marine Insurance Co., Ltd	
United States Fire Insurance Co	
Vulcan Fire Insurance Co. of Oakland	
The Wawanesa Mutual Insurance Co	
"Western Assurance Co	
Westchester Fire Insurance Co .    	
The Yang-tsze Insurance Association, Ltd...- 	
The Yorkshire Insurance Co., Ltd	
Ltd.
Total.
Net Premiums.
$2,361,988 67
96,651
85,304
44,458
43,122
1,016
22,644
28,370
640
29,955
17,128
6,587
4,836
63.965
22,145
3,569
66,883
44,078
"MIIO
22,503
16,707
9,666
21,931
33,024
396
70,563
■ 27,857
96,494
10,998
103,660
52.163
101,984
9,290
8,063
4 3.S09
13,096
36.S19
1,694
15,934
227,506
43,979
23,029
19,243
23,719
82,933
16,439
3,138
8,512
33,032
121,667
17,988
27,932
11,615
31,091
45.030
54,470
1.203
14,929
72,913
11,634
49,781
6,465
21.869
51,268
3,051
12,779
10,100
6,840
57.217
20,996
9,658
29,659
$4,810,405 '
Net Amount of
Losses incurred.
$1,254,181 32
32,944 07
19,258 18
42,301 36
21,870 46
870 60
19,601 47
7,635 48
415 90
2,903 23
4,011 60
1,946 15
Nil.
5,691 12
8,309 02
323 79
114,936 10
12,915 62
2 55
6,214 29
4,252 65
8,000 15
9,448 86
10,676 94
553 06
9,041 83
16,519 09
28,567 93
3,649 25
56,231 08
7,715 86
29,969 16
8,556 58
2,249 50
5,872 87
9.S17 62
10.275 88
mi.
S,168 51
52.391 70
15,624 48
10,846 69
2,281 19
984 58
21,240 52
3,970 46
120 38
11 00
3,460 71
69,975 69
8,408 76
2,125 55
4,604 17
3,202 83
29,^99 88
12,079 44
mi.
2,679 56
27.402 61
42 48
9,016 28
mi.
4,828 68
14,613 71
3,552 IS
8,442 70
1,788 32
13.403 15
22.128 08
7,706 45
116 54
4.567 67
$2,134,251 22
Net Amount of
Losses paid.
$1,248,539 05
29,549 07
19,260 18
51,152 36
21,947 46
S70 60
17,218 87
7,790 48
416 90
5.010 43
4.011 60
1,946 15
A il.
7,630 12
5,971 53
291 29
112,120 10
11,747 02
2 65
6,156 47
3,198 65
8,970 60
11,242 85
8,426 94
553 06
8,900 33
16,519 09
26,733 93
3,626 35
74,»12 02
8,364 01
27,211 70
4,060 56
2,549 50
6,719 99
8.992 62
9,030 88
Nil.
9,480 51
85,899 77
17,419 48
13,812 65
2,281 19
819 58
20,907 52
4.200 93
120 38
11 02
3,270 71
54,522 69
9,302 76
4,756 83
4,604 17
3,040 71
21,954 88
8,128 60
mi.
6,052 49
23,473 88
56 67
9.538 47
AT«.
4,402 36
15,093 71
3,552 13
8,442 70
8,325 82
13,403 15
22,082 71
8,547 51
llfi 54
5,272 67
$2,168,861 76 12 Geo. 5
Report of the Superintendent of Insurance.
X 31
TABLE II.—FIRE INSURANCE SUMMARY.
Year.
Net Premiums.
Net Amount of
Losses incurred.
Net Amount of
Losses paid.
191.7   .
19IS   .
1919 .
1920 .
$ 3,609,442 65
4,085,219 68
4,370,432 98
5,427,798 35
♦,810,40s 78
$   887,©39 01
1,214,162 63
1,259,983 28
1,636.148 S3
2,134,251  22
$ 958,460 60
1.120,475 80
1,181,196 47
1,648,167 47
2,188,851  79
1921   .
Totals
	
$22,303,299 44
$7,132,184 OO
$'7',077,152 10
TABLE  III.—DISPOSITION OP PREMIUMS  RECEIVED.
1918.
1919.
1020.
19,21.
Rate of dividend or bonus to stockholders per cent, of premiums
<53,84
2,79
35.61
1.07
41.6T
4.74
3i6.5'6'
1.06
48'.40
1.0S
58.28
. . ..
1.09
Note.—The figures are taken from the reports of  the  Superintendent  of  Insurance  for  the  Dominion
for 1910^20-2il—22, and cover the business throughout Canada of the companies to which they refer.
TABLE IV.—RATIO OP LOSSES INCURRED TO PREMIUMS WRITTEN IN THE
VARIOUS PROVINCES.
Provinces.
1921.
1020'.
1010.
1018.
1017
Alberta    	
British  Columbia
Manitoba   	
New   Brunswick   	
Nova   Scotia   	
Ontario    	
Prince  Edward  Island
Quebec   	
Saskatchewan   	
Yukon   	
Totals   	
Per Cent.
155'. 76
44.56
50.79
78.36
79.00
56.51
43.81
65,13
50.43
2,69
59.51
Per Cent.
34.46
30.36
41.23
65.80
70.91
38.77
35,74
57.18
42.06
2.45
Per Cent.
34.00
29.84
25,25
'52,48
50,32
40'. 89
46.87
50.54
30.23
45.61
41.10
Per Cent.
44.64
20,79
02.38
42.89
28.40
59.47
20.55
52.60
48,74
5.SO
50.76
Per Cent.
32.87
25.40
58.15
59.54
69.29
62.77
48.52
60.9S
44.44
'5.26
55.62
TABLE V.—FIRES REPORTED.
Districts reporting
Number.
Amount of Loss.
City Municipalities (35).
Alberni   	
Armstrong   	
Chilliwack    	
Courtenay    	
Cranbrook    	
Cumberland   	
Duncan   	
I,7nderby    	
Fernie  	
Grand  Forks   	
Greenwood   	
Kamloops   	
Kaslo    	
Kelowna   	
Ladysmith    	
Merritt   	
Nanaimo   	
Nelson   	
New Westminster   	
0
$        502
o
3,005
7
11.302
2
4,0i2'5
3
295
2.
3,473
2,
591
3
1,165
12
3,377
t
4,022
8
6,160
1
34
10
105.440
4
205
3*
3,658
21
47.400
14
20.058
36
36,995 X 32
British Columbia.
1.022
TABLE V.—FIRES HEPOB.TED—Continued.
Districts reporting.
Number.
Amount of Loss.
City Municipalities—Continued.
North Vancouver
Phoenix  	
Port Alberni ...
Port Coquitlam .
Port Moody ....
Prince George ..
Prince Rupert  ..
Revelstoke    	
Rossland  	
Salmon  Arm   . . .
Sandon   	
Slocan   	
Trail   	
Vancouver  	
Vernon   	
Victoria    	
Totals
District Municipalities  (28).
Burnaby   	
Chilliwack    	
Coldstream   	
Coquitlam   	
Delta  	
Esquimalt   	
Fraser  Mills
Kent    	
Langley    	
Maple Ridge	
Matsqui   	
Mission   	
North   Cowichan   .
North   Vancouver
Oak Bay  	
Peaehland   	
Penticton   	
Pitt Meadows   . . .
Point Grey  	
Richmond   	
Saanich   	
Salmon   Arm
South   Vancouver
Spallumeheen
Sumas   	
Summerland  	
Surrey   	
West  Vancouver   .
Totals
Insurance Districts (10).
Boundary   	
Fort   George    	
Hazelton   . . .	
Kamloops   	
Kootenay, North-east   	
Kootenay,  South-east   	
Kootenay,   West   . .,	
Lillooet   	
Nanaimo,   West  Coast   	
Peace  River	
Prince  Rupert  . .,	
Princeton	
Vancouver-New  Westminster
Vernon    	
Victoria   ..,	
Yale   	
Totals   	
Grand  totals
16,080
4
65.100
10
21,655
0
5,205
9i
6,707
14
6,400
13
11,142
10
2,948
1
3,000-
8
17,140
449
342,250
o
1.512
140
47,679
844
'     $801,251
32
54,395
7
15,780-
3
2,160
2
7,515
S
3,160
1
7,007
1
51
19
45,629
9'
19,707
3
7,646'
6
18,749
9'
14,557
0
4,591
12-
2,364
9
8SO
6
10,083
38
167.399
12,
43,785
2©
72,454
SI
66,607
51
4,910
8
2:4,609
9
1,233
304
$.595,367
5
13.650
o
14,195
6
30,045
12:
36,776
7
37,725
2'2i
80,412
SO'
154.154
8
68,372:
27
105,286
6
3'6,462
14
67,494
9
107
20'
113.282
12!
88,243
13
37,924
ia
41,223
210
$   88:6.350
I .'3158
$2,342,008
Note.—Construction of buildings-
Fire-resisting   	
Brick   	
Frame   	
Average loss per diem, $6,440.52,
Loss per capita—
The Province, estimated population. 550,000   	
City of Vancouver,  estimated population,  175.000
City of Victoria,  estimated  population,  55.0OO   	
City of New Westminster, estimated population, 16,5'0'O
City of Fernie, estimated population, ,5.000.	
City of Nelson, estimated  population,  6,000   	
4, loss $ 320
105,     „ 214,521
1,2419,    „       2,128,12,7
1,358,
$2,342,908
$4  20
1 m
67
2 24
67
3 49 12 Geo. 5
Keport of the Superintendent of Insurance.
X 33
TABLE VI.—CAUSES OF FIRES.
Causes of Fires.
Number.
Amount of Loss.
24
$     16,141
4
249
1
1115
9
259
1
'20
16
11,744
1
95
25
11,811
2.
1,551
1
20,925
3
272
1
1,2,00
1
160
01
06,247
1
25,000
311
14,604
0
3,628
1
30
1
1,150
1
50
51
40,722
313
84,130
1
189
33
13,0,03
70
15S,5'7S
3
2,383
1
207
12
12,004
1
50
8
2,45.6
1
25
1
15
1
41
9
13,411
1
1,200
1
0,002
1
S©2
1
647
27
131.893
19
29,979
3
9.149
3
4,544
4
4'60
20
25,555
12
4,433
2,
110
1
12
1
x       2.950
a.
3-7,892.
h
218'
1
883!
1
3,000
1
3
1
10
9'
2.308:
1
17,500
100
03,52.5
1.
5.730'
8
7,808:
1'6
30.480
246
715,270
2
2,705
1
1,200
47
8,9155
9
58
a
22,490
i
10
i
100
8
107.794
1
5,000
1
5,132
4
3,859'
24
44,426
1
17
17
53.717
0
6.290
61
43,460
1
12
1
81
5
4,870
12
7,717
■2'20
EO 3.974
12
7,748
1,358
$2,342,90S
Ashes against wood	
Boiler or boiler-pipe insufficiently protected	
Burning tar out of waste-pipe from root	
Candle   carelessness   .	
Canned heat spilled or upset	
Carburettor   back-tiring    : .
Celluloid doll ignited and fell on floor	
Clothes too  near stove   	
Coal-oil carelessness   	
Combustion of hot asphaltum	
Curtains from lamp   	
Curtains   from   stove	
Defective blower-pipe   	
Defective  brooder   	
Defective   chimney    	
Defective electrical motor	
Defective  fireplace   	
Defective furnace or furnace-pipe   	
Defective gas connection	
Defective  incubator   	
Defective   motor   	
Defective stove or stove-pipe   	
Defective wiring   	
Dust in roaster-pipe caught fire from gas-burner
Electrical  appliances   	
Exposure    	
Fire-crackers    	
Friction in planer	
Furnace or furnace-pipe insufficiently protected   .
Gas-burner insufficiently  protected   	
Gasolene carelessness   	
Gasolene-torch  explosion   	
Gas-pipe insufficiently protected	
Glass  vapour-container   bursting   	
Grease on stove or range   	
Hot bearing   	
Hot iron in box of lime	
Hot metal placed in sacks   	
Hot steel  left  on floor   	
Incendiary    	
Lamp   upset    	
Lantern upset   	
Lightning	
Live   coals   	
Match  carelessness	
Matches,  children with   	
Matches,  mice with   	
Mattress too near stove   	
Mixing  paint on  stove   	
Oil-stove explosion   	
Oven insufficiently  protected   	
Overheating of starting compensator	
Paper from  stove   	
Paraffin boiling over on stove   	
Piano  from   lamp   	
Short   circuit   	
Smudge left unattended   	
Smokers'   carelessness    	
Sparks from boiler  	
Sparks from  burning  rubbish   	
Sparks from bush fire   	
Sparks  from   chimney   	
Sparks from  Dutch  oven   	
Sparks from engine   	
Sparks  from  fireplace   	
Sparks from forge   . . .	
Sparks from furnace   	
Sparks from locomotive  	
Sparks  from  magneto	
Sparks  from  mill   burner   	
Sparks from pile-driver   	
Sparks from  smoke-house fire   	
Sparks  from  smoke-stack   	
Sparks from stove   	
Sparks from welding-machine  	
Spontaneous  combustion   	
Stove explosion   	
Stove or stove-pipe insufficiently protected   	
Suit-case too close to stove	
Sun's rfiys through window ignited waste paper
Tar boiling over   	
Thawing   pipes   	
Unknown    	
Wood too  near stove    ,
Totals   	 X 34
British Columbia.
1022
TABLE VII.—CLASSIFICATION OF PROPERTY BURNED AND CAUSES.
Property.
Causes.
Amount of Loss.
Apartments
Automobiles
Blacksmith-shops
Boarding-houses
19
43
Bakeries     4
Banks     3
Barber-shops     1
Barns     10
Boiler-houses .
Bottling-works
Breweries  ....
Bunk-houses ..
Canneries  (fruit)   ......
Carpenter-shops	
Chicken-houses   	
Churches   	
Cleaning establishments
Clubs 	
Dairies    ;.
Dredges   	
Dry-kilns   	
11
Ashes against wood  1      $ 40
Boiler insufficiently protected     1 90
Defective chimney     1 66
Defective fireplace     1 43
Electrical appliances    2 533
Match   carelessness     1 12:
Smokers'  carelessness     4 ISO
Sparks from burning rubbish     1 28
Sparks from  chimney     5 92.3-
Stove insufficiently protected  1 7
Unknown     1 20
Carburettor back-firing    17     $
Defective   wiring     7
Gasolene  carelessness     4
Match  carelessness     1
Short circuit    2
Smokers'  carelessness     3
Sparks from magneto     1
Unknown    8
Oven insufficiently protected    1
Sparks from chimney     1
Sparks from stove    1
Unknown     1
Exposure     2     $
Unknown     1
Incendiary      1  j    .
Exposure     1  j   $
Lantern   upset     2
Lightning      1
Spontaneous combustion    1
Unknown    5
Defective wiring  1
Hot metal placed in sacks    1
Hot steel left on floor  1
Unknown     1
Exposure     3
Smokers'  carelessness     1
Sparks from chimney     4
Sparks from fireplace     2
Unknown    1
T.ive   coals     1
Exposure     1
Smokers'  carelessness     1   I   $
Unknown     1
Clothes too near stove    1      $
Defective chimney    1
Defective wiring  1
Sparks from stove    1
Unknown     2
Exnosure     1
Unknown     1
Unknown     1       	
Defective brooder  1      $        150
Sparks from bush  fire     1 1.000
Tar boiling over    1 70
Unknown  2 248
Defective chimney     1      $
Exposure  1
Unknown     2
Electrical appliances    1
Grease  on   range     1
Smokers' carelessness    1
Unknown     1
Oven insufficiently protected  1
Unknown  1
Unknown     1       	
Defective   blower-nipe     1   :   S     1.200
Soarks from mill burner  1   i       10.ono
Unknown    •  5 33.448
8,444
509'
445-
2'
510
2,310
100
5,332
116
34
700'
4,070
6,731
212
1,050
5,70'2>
1,510
1 ,500
12,040
025
6-62
647
700
17\474
6,994
33
1-0
10
4.68-0
1,000
9,175
$  37.0.82
134.402
50
50
i.050
1.134
53'7
$ 05
1,850
1,953
17,742
5,522
1,043
600
21,S5S
2,634
24,513
150
203
15,075
161.574
10
1,408
0,150
50
1,736
1.015
7,500
44.648 12 Geo. 5
Beport of the Superintendent of Insurance.
X 35
TABLE VII.—CLASSIFICATION OF PROPERTY BURNED AND CAUSES—Continued.
Property.
Causes.
Amount of Loss.
Dwellings         820
Dynamo-houses     1
Electrical plants  1
Electrical sub-stations  1
Engines  1
Factories (biscuit)     1
Factories  (bolt)     1
Factories (carriage)     1
Factories   (doll)     1
Factories  (jam)     1
Factories   (pickle)     1
Factories (macaroni)     1
Factories   (roofing material) 2
Factories   (rug)      1
Factories (sash and door) . . 2
Factories (seed)     1
Factories   (wall-board)    .... 1
Factories (woollen)     1
Fish-curing plants     1
Flour-mills     1
Foundries      2
Garages     20
Ashes against  wood     13
Candle carelessness    9
Canned heat upset   1
Celluloid doll  ignited and  dropped on floor 1
Clothes too near stove     22
Coal-oil  carelessness     2
Curtain from  lamp     2
Curtain from stove     3
Defective chimney  45
Defective fireplace  29
Defective furnace    1
Defective gas connection  1
Defective stove or stove-pipe    30
Defective wiring  13
Electrical appliances    23
Exposure     20
Fire-crackers      2
Furnace insufficiently  protected     7
Gasolene  carelessness  2
Grease on stove :  6
Incubator      1
Incendiary      9
Lamp  explosion     17
Lightning    1
Live  coals  from  stove     1
Match   carelessness     12
Matches, children with     6
Matches, mice with    1
Mattress too near stove    1
Mixing paint Qn stove     1
Oil-stove explosion  1
Paper  from  stove  . 1
Paraffin boiling over on stove  1
Piano from lamp     1
Smokers'  carelessness     30
Sparks from burning rubbish  5
Sparks from bush lire    11
Sparks from chimney  22'3
Sparks from fireplace    ,  45
Sparks from mill burner     3
Sparks from smoke-stack     2
Sparks from stove    21
Spontaneous combustion  0
Stove   explosion     5
Stove insufficiently protected  45
Suit-case too near stove   ,. 1
Tar boiling over on stove     4
Thawing pipes     9
Unknown     98
Wood too near stove    11
Defective wiring  1
Unknown     1
Short circuit  1
Sparks   from   bush   fire     1
Spontaneous combustion    1
Defective   furnace-pipe     1
Spontaneous combustion    1
Unknown     1
Unknown     1
Electrical appliances    1
Unknown     1
Incendiary      1
Unknown     1
Stove explosion     1
Unknown     2
Defective chimney     1
Defective furnace-pipe  1
Unknown       1
Sparks from smoke-house  1
Hot  bearing     1
Sparks from furnace    1
Sparks from smoke-stack    1
Ashes aa-ainst wood  1
Carburettor back-firing    1
Defective   wiring     1
Incendiary  . . .  1
Afateh   carelessness     1
Matches, children with    1
Smokers'  carelessness     1
Stove insufficientlv protected    1
Unknown  12
$       432
259
20
93
10,747
1,551
7
272
40,59l6
14,060
110
30
33., 880
8,772
1,490
23,702
2,368
2,021
434
1,914
1,150
8.800
18,030
2,419
10
3,110
3,107
90
12
2,950
12
3,000
3
10
3,111
205
3,868
65,050
8,915
769
1,207
30,881
2,921
8,200
28,178
12
4,800
5.247
163,591
4,748
3.028
1,704
2,700
90
20
3.3 OO
25
17.150
7,950
40-0
•50
125
15.885,
528,800
2,400
1-0,000
415
1.43.6
183
904
25
2,495
3,074
4,500
750
4,732
11.360
3,088
25
1.570
17.853
5,132
1.20O
2,880
44.914 X 36
British Columbia.
1922
TABLE VIL—CLASSIFICATION OF PROPERTY BURNED AND OAUiSBS—Continued.
Property.
Causes.
Amount of Loss.
Gas plants . .
Gas stations
Greenhouses
Halls    	
Hospitals  ...
Hotels
4S
House-construction plants
Launches   	
Laundries  	
Libraries	
Logging camps   	
Lumber-mills  	
Machine-shops  	
Mess-houses    3
Mining property  	
Motor-cycles      2
Motors     1
Offices  11
Photograph studios
Planing-mills 	
Poles  	
Pool-rooms  	
Live coals from furnace  1
Match carelessness  1
Defective furnace  1
Defective chimney     1
Spontaneous combustion    1
Unknown    1
Defective chimney    1
Defective stove  1
Exposure     1
Live coals from stove    1
Sparks from chimney  . .  1
Unknown     1
Ashes against wood     1
Defective chimney     1
Defective  stove-pipe     1
Electrical appliances    1
Exposure     1
B'urnace insufficiently protected     1
Incendiary      1
Match  carelessness     1
Oil-stove explosion    2
Smokers' carelessness     21
Sparks from chimney     3
Spontaneous combustion  2
Stove insufficiently protected  2
Thawing pipes     1
Unknown     9
Unknown     1
Defective  wiring     1
Unknown    2
Ashes against wood   1
Exposure     1
Sparks from chimney     1
Unknown     1
Smokers'  carelessness     1
Sparks from Dutch oven    1
Incendiary    1
Lantern  upset     1
Smokers' carelessness     1
Sparks from bush fire   1
Sparks from mill burner    1
Unknown     4
Furnace  insufficiently protected     1
Oven insufficiently protected    1
Sparks from forge    1
Grease on stove    1
Stove insufficiently protected  1-
Unknown    1
Defective wiring  1
Unknown    2
Gasolene carelessness    2
Defective     1
Ashes against  wood     1
Defective wiring  1
Exposure     1
Furnace insufficiently protected  1
Glass vapour-container bursting  1
Smokers' carelessness     3
Sparks from chimney  1
Stove-pipe insufficiently protected  1
Unknown    1
Gas-burner insufficiently protected    1
Stove insufficiently protected    1
Friction in planer   1
Short circuit  1
Spontaneous combustion  1
Exposure     1
Sparks from bush fire  1
Unknown     1
Defective chimney    1
Defective stove  1
Exposure  2
20
2,200
2,919-
150
4,7'0O
100
20
100
3'6'2
150
3,600
40
7,000
32
5-34
40
218
12,644
2,119
305
49,063
162
1,510
225
1,100
10
142
35
10
9,899
37
3,800
1.370
69,018
50
•     -35
9'2
33
41
5,818
30
308
14
$
50
44
$
207
671
27,000
$
21
2-0.181
1,524
$
525
8
4,450
200
20
416
2,300
8,049
70,893
27,000
1,072
1.335
50
4-1,805
61.244
187
13,730
70,007
133
50
0,423
94
27.87S
4,963 12 Geo. 5
Beport of the Superintendent of Insurance. .
X 37
TABLE VII.—CLASSIFICATION OF PROPERTY BURNED AND CAUSES—Continued.
Property.
Causes.
Amount of Loss
Post-offices  	
Printing-offices   	
Railway-cars   	
Refineries (fish-meal and oil)
Refineries  (sugar)   	
Restaurants  	
Road-houses ...
Roofing plants .
Rooming-houses
Sawmills
Schools
Sheds
Shingle-mills
Stores and apartments over
IS
11
Shipyards      1
Spice-mills      1
Stables    8
Stoi'fs    65
Match carelessness    1
Smokers' carelessness     1
Unknown     8
Incendiary     1
Unknown     1
Defective chimney    1
Defective fireplace    1
Exposure     1
Grease on stove    1
Incendiary    1
Smokers'  carelessness    1
Sparks from chimney     1
Unknown    2
Unknown     1
Combustion of hot asphaltum    1
Defective chimney    1
Exposure     2
Incendiary      1
Smokers' carelessness  3
Unknown  1
Defective electric motor    1
Defective wiring  1
Incendiary    1
Match  carelessness     1
Smudge left unattended   1
Sparks from boiler     1
Sparks from burning rubbish a.  1
Sparks from bush fire   1
Sparks from Dutch oven  1
Sparks  from   engine     1
Sparks from mill burner     2
Spontaneous combustion    1
Unknown    5
Ashes against wood  1
Furnace insufficiently protected     1
Sparks from chimney  3
Sparks from forge   1
Stove insufficiently protected  1
Unknown     2
Ashes against wood   2
Lightning      1
Matches, children with    2
Smokers' carelessness    2
Unknown   ._.... 1
Exposure     1
Overheating of starting-compensator     1
Sparks from furnace    1
Sparks from mill burner  1
Unknown     7
Hot iron in box of lime  1
Dust  in  roaster-pipe   caught  fire  from  gas-
burner   1
Smokers'  carelessness     3
Unknown     5>
Ashes against wood  1
Burning tar ont of waste-pipe from roof ... 1
Defective chimney    5
Defective stove-pipe    4
Defective wiring  3
Electrical appliances    4
Exposure     15
Furnace-pipe insufficiently protected     1
Gas-pipe insufficiently protected    1
Incendiary    4
Match  carelessness     3
Oil-stove explosion    1
Smokers'  carelessness     10
Sparks from burning rubbish  1
Sparks from chimney  4
Sparks from locomotive     1
Stove insufficientlv protected  4
Sun's rays through window  1
Thawing pipes     2
Unknown     13
Clothes too near stove    1
Defective furnace  1
Defective wiring  1
Unknown    2
2,800
92
2,800
464
12,250
20
1,108
2,382-
60
7,710
470
53
5,389
25,000
75,000
15,000
15,000
17,500
5,730
2,502
9,060
720
1,200
54,500
9,404
78,22-9
$        600
883
19', 700
6,500
2.051006
5.030
11,623
132
115
5,508
799:
205
6,425.
36.287
8,700
15
34,566
237
37,650
9,78-9
15
850
10
125
81
2.445
30,9010
254'
622
9
11,982
1,339
1,150
21,789
3,853
21,916
1,400
20,925
13,668
308,914
24,596
997
232,6-80
6,602
180
16,675
181,019
12.867 X 38
British Columbia.
1922
TABLE VII.—CLASSIFICATION OF PROPERTY BURNED AND CAUSES—Continued,
Property.
Causes.
Amount of Loss.
Stores and dwellings over ..
Stores and offices over
Stores and rooms over
Wharves
2-7
20
Street-cars   	
Talc-grinding mills . .
Tanneries  	
Theatres	
Tin-shops  	
Transformers 	
Tug-boats  	
Undertaking parlours
Warehouses   	
Totals 1,358
Ashes against wood  1
Boiler insufficiently protected     1
Defective chimney     1
Exposure     4
Fire-crackers     1
Incendiary    2
Lamp upset  2
Matches, mice with    1
Sparks from burning rubbish  1
Sparks from chimney  3
Smokers' carelessness    5
Unknown     4.
Wood too near stove    1
Filectrical appliances   ■. 1
Oil-stove explosion  1
Smokers' carelessness    2
Ashes against wood   1
Defective chimney     1
Defective stove   2
Defective wiring  1
Furnace-pipe  insufficiently protected     1
Gasolene carelessness  1
Incendiary     2
Match carelessness    1
Smokers'  carelessness     6-
Unknown  4
defective   wiring     2
Short circuit  4
Exposure     1
Unknown     1
Defective chimney     1
Exposure     1
Smokers'  carelessness     1
Unknown     1
Gasoleno-torch  exploded     1
Exposure     1
Short circuit   1
Spontaneous combustion    1
Smokers'  carelessness     1
Boiler insufficiently protected  1
Clothes too near stove    1
Defective chimney   '  1
Defective stove    1
Exposure     1
Incendiary    ^  1
Sparks from  pile-driver     1
Spontaneous combustion  1
Stove  insufficiently   protected     1
Sparks from welding-machines  1
1,358
1,054
18
10,374
5,972
15
5,000
11,949
11
7,500
519
472
0,281
3,000
11
12
68
3,000
4,890
6
25.
1.444
4,882
103
9.059
39
702
25
3,738
4,907
4,000
1,500
100
107
800
25
130
250
300
5,000
9.800
2,200
53,305-
91
23,501
741
2,100
12,143
12,070
1.600
1,000
15
18.018
17
$2,342,908 12 Geo. 5
Beport of the
Superintendent of Insurance.
X 39
TABLE VIII.—SUMMARY.
Fires reported.
Amount
OP    IjOSS.
ija
CO
to
ID
3
'v    -
Coo
ID+H
O &
5
rH
CD'—'
u m
S3
3
o
03
i)
P
'o
*H
S
© a
<D    .
us
h h
ui tn
S5
73
o
B
1921.
May   	
01
02
00
98
79
56
36
54
72
56
00
94
19
11
32
24
15
10
35
24
29
27
38
34
13
7
15
■22
1.6
10
21
17
82
14
24
21
9,3
SO
107
144
112
88
142
95
123
97
1.2'S
149
$     23,732
48,440
41,281
04,954
56,828
42,547
202,901
45,430
53.674
00,002
45,256
79.540
$     21,030
8,591
41,701
113,526
21,180
49,311
45,027
139,433
59-,704
16,970
45,636
32,449
$     25,85,2
7,820
46,954
94,910.3
131,550
99,828
10S.828
41,352
81,020
28,0113
93,950
40,608
$        70,623
S.7.S03
130,026
273,388'
209,556
191,680
507,356
226,215
195,088
111,645.
186,668
15-2,65'7
July 	
Totals,   1921
Totals,   1920
Totals,   1910
Totals,   1918
Totals,   1917
844
787
8-53
0119
422
304
219
204
220
123
-2-10
170
164
105
117
1,358
1,182
1,221
944
002
$   801,251
1,08:3,532
1,013.890
800,60S
750,427
$   505,307
644,551
413,206
863,3-06
2,27,442
$   S86,350
907,449
500,736
431,252
558,008
$ 2,342,908
2,635.532
1,927,802
2,095,226
1,541,878
3,525
1,070
772
5y367
$4,515', 768
$2,743,932
$3,28 3,700
$10,543,496
TABLE IX.—LOSS OE LIFE, 1917-21.
Occupancy.
Cause of Fire.
Loss of Life.
Adults.
Children.
3
1
2
2
1
1
Llotel   	
1
Store   	
Totals	
10
12
9
4
8
1
Totals   1020 . .
1
Totals, 1019	
5
Totals, 1917
1 X 40
British Columbia.
1922
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 Company.
Mortgages.
In other
Securities.
American Central Insurance Co	
Beaver Fire Insurance Co	
Boiler Inspection & Insurance Co	
British America Assurance Co	
British Columbia Plate Glass Insurance Co	
British 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	
Continental  Casualty Co	
Dominion Fire Insurance Co	
Dominion of Canada Guarantee & Accident Insurance Co.
Fireman's Fund Insurance Co	
General Accident Assurance Co. of Canada	
General Accident Fire & Life Assurance Co., Ltd	
Glens Falls 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	
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 Benefit Assurance Co., Ltd	
National Ben Franklin 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  .	
Pnringfield Fire & Marine Insurance Co	
Western Assurance Co	
Yorkshire Insurance Co., Ltd	
Totals  	
$     33,050 80
1,500' 00
834,866 31.
62,922 34
'ilT'ioo'oO
"i'i,5'66'6o
92,464  19
OOyoolOO
354,500  OO
79.900 ©»
20,000 00
280.000 OO
24i5.434  61
$     30,660 CO*
' 44,000 '66*
256,000 OO*
5,978 33*
3,000 00
15,000 00*
7,500 00
229,704  33
25,000 00
18,000 00
25.733 33*
50,334 OO
15.350
80,353
9-9,000
60,284
32,595
40,603
146.000
5,000
30,333
76,000
50,000
29,000
29,070
30', 43 4
53,200
101.000
65,806
9.625
37,500
44,733
00.000
19.800
8-7,220
22.984
35,000
4,937
122.000
45.000
182,000
44.150
46.000
606.624
7.500
19.000
32,000
214.850
2-.250
45 OOO
104.000
304,328
00
33*
OO*
00
71*
31
00
00
33
00*
OO*
00*
50f
75f
00*
00
20
001
OO
3-3
00*
00
OO*
75
00*
50t
00
oof
oo
40
OO
10
00+
001
00*
67
00
oo
oot
81
$2.324,i20-2 O'O
$3,786,132 34
* Par value.
■ Book value. 12 Geo. 5
Keport of the Superintendent of Insurance.
X 41
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British Columbia.
1922
TABLE XII.—LTFE INSURANCE SUMMARY.
19-17.
19-1S.                      11919.
1920.
1921.
Premiums tor year   	
$    3,313,000
95,300,000
1,302,000
$    4,026,000
112,978.000
1,558,000
$    4.767,000
141,549,000
1.881,000
$     5,848,000
171,650,000
1,4-60,000
$    6,26-4,000
188,930,000
1,332,000
TABLE XIV.—MISCELLANEOUS  INSURANCE  SUMMARY.
1917
1918.
1910.
119-20.
1821.
Accident,   P. . . .
L	
Sickness,   P. .. .
L	
Liability,   P.. .
L	
Automobile, P.
Ii..
Marine,   P	
L	
Other forms, P.
L.
$197,000
111,000
i5O,0OO.
21,000
68,000*
108,000
135,000
50,000
283,000
152,000
74,000
22,000
$22.1,000
7'8,O0O
73,-0-00
41,000
31,000
14,000
230,00-0
65,000
404,000
1125,000
79,000
21,000
$24-9,000
113,000
106,000
6'5,0O0
4'2,000
34,000
4.28,000
142,000
472,000
210,000
1-34,000
35,000
$3-48,0-00
154,000
115,000
52,0-00
■27,000
7,00-0
'566,000
273,000
438,000
253,000
164,000
86,000
$334,000
16-0,000
141,000
71.00-0
30,000
10,000
648,000
346,000
486,000
806,000
166,000
65,000
-Premiums. TABLE  XIII.-
-MISCELLANEOUS
BUSINESS:   NErJ
1 PREMIUMS AND  LOSSES,  1921.
X 43
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.
$    3,000 00
459 00
58 16
Nil.
Nil
Nil.
Nil.
2,703 00
Nil
Nil.
5,214 60
Nil
4,273 00
Nil
90 00
Nil.
7,373 83
Nil
4,499 30
Nil.
3,989 50
Nil
Nil
Nil.
Nil.   .
Nil.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiums.
Losses.
Premiims.
mosses.
Premiums.
Losses.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39.
40.
41.
42.
43.
44.
45.
46.
47.
48.
49.
50.
51.
52.
53.
54.
55.
56.
57.
58.
59.
60.
61.
62.
63.
64.
65.
66.
67.
68.
69.
70.
71.
72.
73.
74.
75.
76.
■     77.
78.
79.
80.
81.
82.
83.
84.
85.
86.
87.
88.
89.
90.
91.
92.
93.
94.
95.
96.
97.
98.
99.
100.
101.
102.
103,
$ 14,579 00
7,704 74
916 59
122 76
162 71
$    8,418 83
5,125 10
192 15
159 72
Nil.
$ 93,082 99
3,798 94
2,775 45
 1	
$  52,693 62
137 28
337 45
I.T.
Ye.*
\I.T.
$    25 80
Nil.
$107,687 79
17,255 22
4,097 97
122 76
162 71
1,508 24
3,459 00
24,288 86
9,015 90
24,668 18
33,705 33
9,231 84
35,582 47
542 75
4,313 79
13,815 41
25,564 59
1,493 79
70,780 33
1,083 16
52,120 70
89,422 09
36,740 06
46,048 04
167 85
6,278 14
$ 61,112 45
6,254 77
555 40
159 72
Nil.
Nil.
3,379 56
10,960 25
151 55
11,966 99
27,644 07
1,681 41
12,441 05
27 95
724 78
3,285 33
25,492 86
2,650 90
23,384 49
4,637 89
29,082 40
27,753 57
13,139 44
12,821 24
Nil.
1,249 28
1
Alliance Assurance Co., Ltd	
$       673 53
$       336 90
$       427 52
$       254 26
$    1,382 42
$       219 00
$    2,075 68
$       182 23
$    1,192 39
Nil.
2
236 25
169 68
Nil. I
$25 80/
3
4
5
S.B.
1,508 24
Nil.
6
3,459 00
i'S 85
9,015 90
3,379 56
Nil.
151 55
7
24,275 01
10,960 25
8
9
$ 24,668 18
$ 11,966 99
10
33,705 33
5,507 96
13,449 72
542 75
4,313 79
5,645 35
27,644 07
970 30
4,839 60
27 95
724 78
3,190 70
11
3,723 88
711 11
12 ,
The Canada Accident & Fire Assurance Co	
7,499 48
2,591 27
6,273 40
1,991 92
1,150 10
286 37
1,481 89
1,488 01
1,753 50
$           12 50
3,974 38
1,231 38
13
■
14
15
J,218 01
85 00
6,683 48
Nil
268 57
9 63
 i:
16
25,564 59
25,492 86
17
150 00
32,747 69
252 67
32,958 59
12 50
9,037 39
1,091 12
4,681 05
983 80
24,544 83
20,501 30
5,725 72
23,222 98
134 55
921 02
2,638 40
1.017 82
4,637 89
11,261 60
5,111 47
Nil.
5,977 29
Nil.
614 75
18
Continental Casualty Co	
13,112 28
393 00
217 00
19
T.
I.T.
99 36
497 50
Nil.
295 76
20
7,639 01
41,614 63
12,796*25
6,828 70
8,093 18
11,782 12
20,216 55
9,900 07
10,476 30
933 70
Nil.
3,883 21
955 30
394 52
1,170 44
2,783 36
2,212 19
401 75
2,164 54
56 97
3,922 12
Nil.
737 64
21
The Dominion of Canada Guarantee & Accident Insurance Co	
The Eag-le Star & British Dominions Insurance Co., Ltd	
Employers Liability Assurance Corporation, Ltd	
22
31,014 34
13,139 44
23
5,266 70
2,746 52
359 50
4,338 67
1,217 75
2,943 62
Nil.
24
E.
S.B.
[1
33 30
1,583 56
553 82
196 40
Nil.
Nil.
Nil.    1
Nil.     [
25
The Fidelity & Casualty Co.   .
572 00
1,395 22
50 00
4,480 46
229 45
Nil.
281 44
Nil.
1,699 21
Nik
991 46
584 53
26
Fidelity Phenix Fire Insurance Co	
27
9,733 15
22,233 66
7,244 11
11,224 77
"2,151 92
48,145 06
14,061 42
2,145 44
57,888 21
34,398 66
2,927 54
551 87
4,480 46
21,305 53
13,345 28
954 78
458 10
Nil.
4,441 74
Nil.
277 00
Nil.
28
1,626 88
302 31
1,246 92
498 02
6,705 37
1,320 18
294 51
Nil.
Nil.
S.B.
I.T.
E. -
JE.
j I.T.
|T.
IE.
139 40
398 15
15 60
3,246 79
65 00
1 05
75 19
Nil.
750 00
Nil.
19 29 \
Nil.      t
Nil.      f
29
.2,529 39
204 78
30
536 27
2,340 93
11,060 50
28,386 71
458 10
91 50
3,015 92
22,948 05
31
7,840 63
3,443 15
32
16,340 46
10,161 68
12,900 42
3,425 99
2,397 93
394 69
1,018 24
$    1,376 09
$     796 64
 mi.''
13,493 35
45,093 64
42,411 63
4,607 17
10,057 48
3,553 94
17,794 92
27,777 89
Nil
5,982 47
Nil.
6,833 03
4,061 25
Nil.
423 75
33
13,948 68
4,829 84
34
4,607 17
220 48
35
624 08
1,118 55
562 22
427 28
778 40
140 00
6,761 11
7,147 73
11,514 86
29,938 30
3,685 36
1,960 36
2,204 33
5,991 08
8,500 50
17,921 29
1,765 22
906 52
2,129 52
204 67
206 76
36
/S.L
IE.
1 S.L
1E.
225 00
839 85
39 00
486 35
Nil:
Nil.
■Nil.
Nil.
37
8,212 58
'" 12,046 *21
17,612 35
2,204 33
Nil.
38
6,816 01
1,989 12
4,758,17
157 85
Nil
1,338 13
500 00
605 98
343 99
5,991 08
12,785 13
3,937 00
3,750 00
39
67,6l|5 52
31,427 59
J I.T.
1 E.
903 55
837 50
108 16
Nil.
40
Law Union & Rock Insurance Co., Ltd    ..,	
813 89
267 13
507 72
505 71
406 81
Nil.
335 94
Nil.
689 73
235 50
99,294 87
6,439 45
621 56
39,439 67
3,909 62
1,754 65
24,548 01
59,443 89
8,207 93
13,858 17
4,989 30
3,408 20
92 69
6,930 08
53,840 00
34,082 34
6,773 35
2,836 20
1,544 51
4,236 58
915 02
3,679 86
1,349 30
3,197 53
39,074 68
11,747 68
20,165 36
8,452 34
199 65
32,758 82
5,174 33
33,453 71
1,631 99
2,542 62
4,485 99
30,225 26
179 50
13,194 53
3,230 17
9,801 62
35,687 72
12,215 00
2,820 50
9,189 23
4,336 25
10,819 84
17,962 93
13,432 27
11,783 21
5,458 68
9,347 94
13,710 92
4,335 19
25,248 70
18,339 19
4,699 27
25,453 30
49.457 04
2,773 56
Nil
23,310 70
1.446 92
Nil •
5,649 46
61,793 55
6,055 90
19.458 43
531 55
1,538 56
Nil.
2,418 91
18,896 00
8,631 28
1,722 57
4,931 43
347 39
381 32
82 82
765 31
2,831 45
1,176 66
8,084 46
2,954 87
4,590 50
2,854 64
2,157 62
13,506 99
6,048 69
10,220 70
61 70
368 43
220 55
23,498 05
Nil.
7.437 89
6,353 31
1.012 11
16,142 91
36,080 00
673 12
5.581 00
1.582 78
6,224 25
6,095 38
10,364 77
3,078 04
161 97
10,873 58
1,357 13
487 48
3,330 21
9,211 42
Nil
25,329 03
10,241 2i
5,000 00
Nil.
2.000 00
Nil.
Nil.
1,430 00
33,633 00
775 00
1,834 00
132 90
105 00
Nil.
1,312 00
' 3,961.'42
Nil.
726 93
Nil.
2.001 00
Nil.
228 14
58 00
Nil.
2,695 00
2,774 00
Nil.
190 00
Nil
4,955 00
Nil.
6,505 00
Nil.
25 00
30 00
1,100 25
835 50
Nil.
4,880 00
Nil
2,110 00
'160*62
41
E.
621 56
Nil.
42
4,016 34
1,083 44
2,656 00
4,617 55
741 88
Nil.
24,670 81
3,909 62
16,527 03
1,446 92
541 48
Nil.
2,802 93
Nil
4,010 23
1,082 68
43
44
1,754 65
7,36^ 73
Nil.
442 21
45
17,185 28
39,691 71
8,207 93
5,207 25
36,824 90
6,055 90
46
London Guarantee & Accident Co., Ltd	
11,726 36
18,190 25
4,157 54
4,667 02
1,107 71
Nil.
2,760 57
2,111 38
47
48
*13,858 17
19,458 43
49
4,989 30
706 22
531 55
1,538 56
50
I.T.
2,702 08
Nil.
51
'"49i'80
92 69
Nil
52
Maryland Casualty Co .'.	
Merchants Casualty Co    	
640 95
52,570 00
28 57
18,756 00
742 65
526 57
488.90
Nil.
2,904 82
1,270 00
34,082 34
1,645 03
2,836 20
1,651 95
140 00
8,631 28
1,135 35
4,931 43
345 19
Nil.
Nil.
1,187 97
179 77
S.L.
127 80
32 05
53
54
55
National Benefit Assurance Co., Ltd   .
891 38
185 00
1,441 30
321 65
2,795 64
80 57
56
57
1,544 51
347 39
58
144 55
Nil.
1,320 38
381 32
F.
2,771 65
Nil.
59
915 02
3,679 86
82 82
765 31
60
61
1,349 30
2,831 45
62
1,551 68
1,506 39
8,789 59
8,452 34
199 65
10,671 55
5,174 33
9,348 12
3,197 53
37,521 58
1,176 66
7,492 63
63
591 83
861 32
2,737 97
2,854 64
2,157 62
3,257 87
6,048 69
2,602 .09
E.
1 42
64
2,777 45
1,487 34
1,952 50
413 56
638 08
924 52
23 31
1,091 56
243 08
102 50
9 15
61 50
68 32
Nil.
6,514 36
1,920 30
108 59
106 84
65
Northern Assurance Co., Ltd	
538 42
6,402 69
179 07
66
67
68
10,123 60
4,318 42
9,064 70
4,361 15
614 50
1,229 37
2,284 47
340 18
69
70
9,460 44
2,290 65
4,489 49
1,793 68
2,415 80
1,932 01
536 91
291 82
1,031 81
Nil.
6,171 14
1,310 45
E	
71
1,631 99
61 70
72
2,542 62
4,485 99
20,013 69
179 50
368 43
220 55
15,500 67
Nil
73
74
10,102 30
7,997 38
E.
109 27
75
76
The Protective Association of Canada	
*13,194 53
7,437 89
77
3,230 17
6,353 31
78
9,801 62
1,012 11
79
7,856 09
2,148 78
4,412 20
1,528 25
1,218 57
3,065 40
19,240 79
7,739 65
287 60
218 50
912 11
1,000 00
1,760 36
442 33
80
12,215 00
36,080 00
81
2,820 50
540 50
673 12
62 49
82
550 02
187 50
8,09S 71
5,331 01
83
4,336 25
1,582 78
88 98
8,541 59
495 00
2,390 00
Nil.
Nil.
Nil.
Nil
Nil.
Nil.
Nil
Nil.
59,256 35
84
484 59
6,239 76
13,432 27
257 15
3,208 03
10,364 77
9,619 30
5,372 72
/T.
\ I.T.
1 05
714 90
Nil.   )
594 38 f
85
Scottish Metropolitan Assurance Corporation, Ltd    	
5,212 86
721 87
5,511 27
2,165 48
999 04
Nil.
86
87
11,783 21
5,458 68
3,078 04
161 97
88
89
The Travelers Indemnity Co        	
1,677 15
13,710 92
912 71
1,357 13
7,670 79
9,960 87
90
91
4,335 19
4,523 45
7,213 18
4,645 85
1,740 19
487 48
1,213 23
2,862 52
Nil.
472 11
92
Union Fire & Casualty Co    	
*20,103 00
2,116 98
622 25
Nil.
93
11,126 01
53 42
6,348 90
Nil.
94
95
United States Fidelity & Guaranty Co	
*2,569 57
583 10
4,194 18
562 50
4,253 11
1,209 84
9,265 49
21,385 79
3,430 76
1,115 69
96
97
i
1,3C
17,0/
k'.fil
5 39
1 01
1,207 92
74,728 38
1,305 39
43,590 53
18,668 95
5,617 78
21,923 45
19,367 57
1,207 92
83,966 44
6,910 30
230 98
10,701 67
20,502 71
Nil.
1,590 19
570 00
500 00
Nil
944 10
98
25,284 44
8,726 44
t I.T.
829 67
405 41
Nil.   I
511 62 f
99
The Western Casualty Co   	
*18,668 95
6,910 30
100
7 78
230 98
10,701 67
101
21,923 45
102
The Yorkshire Insurance Co., Ltd	
Totals	
9,150 82
$334,366 05
16,614 96
7,233 61
$141,607 92
2,624 60
626 00
326 47
715 50
Nil.
756 09
136 68
L.S.
885 55
800 00
$    3,137 06
103
$160,814 43
$  71,850 15
$ 30,085 70
$ 10,123 14
$648,800 55
$346,525 53
$  24,384 34
$    8,387 63
$ 47,008 09
$ 28,753 92
$ 73,177 19
$ 25,106 03
$486,845 50
.«306.157 78
if*  '
21,346 70
$1,807,622 04
$960,855 67
$219,458 74
* Accident and sickness. 12 Geo. 5
Beport of the Superintendent of Insurance.
X 45
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British Columbia.
1922
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If INDEX.
ANNUAL STATEMENTS.
Page.
British Columbia Plate Glass Insurance Oo  9
Canton Insurance Office, Ltd  31
London & Provincial Marine & General Insurance Co  ]2
Maritime Insurance Co., Ltd. •  13
National Plate Glass Insurance Co  13
New Zealand Insurance Co., Ltd  13
Ocean Marine Insurance Co., Ltd  14
Reliance Marine Insurance Co., Ltd  15
Royal Plate Glass Insurance Co. of Canada  15
Standard Marine Insurance Co., Ltd  16
Tokio Marine & Fire Insurance Co., Ltd  17
Union Fire & Casualty Co •  18
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, 1921  25
Companies admitted during 1921   •  5
Premiums and Losses (net), 1921   29
Summary for 1917-21    31
Statement as to Disposition of Premiums received  31
Ratio of Losses incurred to Premiums written   31
Fires—
Districts reporting  31
Causes  •  33
Classification of Property burned and Causes   34
Summary, 1917-21 •  39
Loss of Life, 1917-21   39
Life Insurance—■
Companies licensed, List of December 31st, 1921   27
Premiums, etc., 1921  41
Summary, 1917-21  42
Miscellaneous Insurance—
Companies licensed, List of December 31st, 1921  27
Companies admitted, 1921  7
Companies which withdrew, 1921 . .*.  7
Provincial Licensees, Assets, Liabilities, etc  45
Premiums and Losses, 1921 -.  43
Summary for 1917-21 -  42
Investments in British Columbia-—■
Life Companies  41
Other Companies  •  40
VICTORIA,   B.C.
Printed by William H. Cullin, Printer to the King's Most Excellent Majesty.
1922. 

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