EIGHTEENTH ANNUAL REPORT OF THE SUPERINTENDENT OF INSURANCE PROVINCE OF BRITISH COLUMBIA 1929 (BUSINESS TRANSACTED IN 1928) PRINTED BY AUTHORITY OF THE LEGISLATIVE ASSEMBLY. VICTORIA, B.C.: Printed by Charles F. Tanfield, Printer to the King's Most Excellent Majesty. 1929. To His Honour Robert Randolph Bruce, Lieutenant-Governor of the Province of British Columbia. May it please Your Honour: Tlie undersigned has the honour to present the Eighteentli Annual Report of the Superintendent of Insurance for the year ended December 31st, 1928. R. H. POOLEY, Attorney-General. Victoria, B.C., July 2nd, 1929. TABLE OF CONTENTS. Pack. Report of the Superintendent of Insurance 5 Annual Statements of Provincial Licensees— British Columbia Plate Glass Insurance Co 7 Empire Life Insurance Co 9 Grand Council of Canadian Order of Chosen Friends 8 Home Assurance Company of Canada 11 Mutual Fire Insurance Co. of British Columbia 12 Odd Fellows' Relief Association of Canada 13 Ohio Farmers Insurance Co 14 Ontario Equitable Life and Accident Insurance Co 15 Royal Plate Glass Insurance Co. of Canada 17 Sons of Norway 18 Sons of Scotland 19 Toronto Casualty Fire & Marine Insurance Co 20 Western Empire Life Assurance Co : 21 List, as at 31st December, 1928, of— Insurers licensed 23 Underwriters' Agencies licensed 32 Reciprocal Exchanges granted Permits 32 List of Licences and Permits issued since December 31st, 1928 32 TABLES. Life Insurance— I. Business of 1928 and Investments in the Province 33 II. Summary, 1924-28 35 Fire Insurance— III. Business of 1928 35 IV. Summary, 1924-28 37 Automobile Insurance— V. Business of 1928 38 VI. Summary, 1924-28 '. 40 Other Classes of Insurance— VII. Business of 1928 41 VIIL Summary, 1924-28 43 IX. Investments in the Province of Insurers other than Life 43 Amendments to " Insurance Act " 44 REPORT OF THE SUPERINTENDENT OF INSURANCE. Department of Insurance, The Honourable R. H. Pooley, Victoria, B.C., July 2nd, 1929. Attorney-General, Victoria, B.C. Sir,—I beg to submit, pursuant to the " Insurance Act," the Eighteenth Annual Report of the Department of Insurance, covering the year ended December 31st, 1928. At the end of the year there were 258 insurers licensed to transact business, fifteen new companies having been licensed, as follows :— American Automobile Fire Insurance Company, St. Louis, Mo. British Canadian Insurance Company, Montreal, Que. British Empire Assurance Company, Toronto, Ont. Canton Insurance Office, Limited, Victoria, Hong Kong. City of New York Insurance Company, New York, N.Y. Fidelity American Insurance Company, Dallas, Texas. Imperial Guarantee and Accident Insurance Company of Canada, Toronto, Ont. s Mercury Insurance Company, St. Paul, Minn. Milwaukee Mechanics' Insurance Company, Milwaukee, Wisconsin. Occidental Life Insurance Company, Los Angeles, Calif. Planet Assurance Company, Limited, London, England. Rhode Island Insurance Company, Providence, R.I. Southern Insurance Company, Limited, London, England. Trans Canada Insurance Company, Montreal, Quebec. Universal Insurance Company, Newark, N.J. The General Casualty Insurance Company of America and the Wawanesa Mutual Insurance Company obtained Dominion licences at the end of 1928. The Dominion Gresham Guarantee & Casualty Company went into liquidation. The North American Accident Insurance Company, Rossia Reinsurance Company, Limited, and the Security Life Insurance Company ceased business in this Province, the last named having been acquired by the Confederation Life Association of Canada. A complete list of the various insurers licensed as at December 31st, 1928, will be found on pages 23 to 32. The following summary indicates the origin of the companies, and how many hold a licence under the Dominion "Insurance Act," in addition to a Provincial licence:— Where incorporated. Dominion Licensees. Provincial Licensees. Total. 58 11 63 2 1 fi 3 1 2 9'5 2 8 3 1 2 2 58 19 66 2 China 1 6 4 1 2 United States 97 242 16 258 The annual statements of the Provincial licensees are shown at length on pages 7 to 22. Four fraternal societies are licensed in this Province, the names of which have been included in the list of insurers on pages 23 to 32. A list of underwriters' agencies, fifteen in number, licensed in this Province will be found on page 32. The British Empire Underwriters Agency, representing the British American Assurance Company; Federal Underwriters, Limited, representing Canada National Fire Insur- M 6 BRITISH COLUMBIA. ance Company; Imperial Guarantee & Accident Underwriters, representing the British America Assurance Company and Western Assurance Company; and the St. Lawrence Underwriters Agency, representing the Western Assurance Company, ceased business in the Province. Since December 31st the Atlantic Underwriters Agency, representing the Toronto Casualty Fire & Marine Insurance Company, has been licensed. Fourteen reciprocal exchanges have been granted permits under section 174 and a list of them will be found on page 32. The Lumber Underwriters of Fordyce, Arkansas, has been licensed since the end of 1928. The following table gives particulars of licences issued to insurance agents and adjusters, and for the purposes of comparison the corresponding figures for the year 1927 are shown in the first column:— 1927. Licences issued during 1928. Suspended. Cancelled and revoked. 1,421 Life agents Other than life Adjusters 1,407 | mi 1,718 1.674 I 1 18 25 J A statement of fire insurance premiums written and earned and losses incurred and paid for 1928, with a summary for the past five years, will be found on pages 35 to 37. Tables showing life, automobile, and other classes of insurance business transacted during the year will also be found on pages 33, 34, 38, 39, and 41, and summaries for the past five; years will be found on pages 35, 40, and 43 respectively. The annual conference of the Association of Provincial Superintendents of Insurance was held in September last year at Regina and wTas attended by my predecessor in office and myself. The insurance companies and various insurance organizations were fully represented and the Government of Saskatchewan took great interest in the proceedings. Various matters of importance from the standpoint of legislation and of the insurance business received very complete discussion and recommendations for legislation were approved. It is testimony to the soundness of the conclusions reached that the five AVestern Provinces have enacted this year the uniform legislation recommended. Any Legislature before which legislation of this kind is placed can rest assured that the interest of the public has been the first consideration, while the great advantage of it is that being uniform in several jurisdictions it facilitates and simplifies the business of insurance. The amendments to the " Insurance Act" passed this year are printed at length on page 44. " REAL-ESTATE AGENTS' LICENSING ACT." The following table gives particulars of licences issued to real-estate agents and salesmen, and for the purposes of comparison the corresponding figures for the period ending 30th June, 1928, are shown in the first column:— 1927-28. 1928-29. 1,153 15 1,166 28 This Act, as passed in 1920, prescribes no qualifications for a licence, and its real value lies in the powers to inquire into wrongful or dishonest dealing on the part of an agent or salesman, and as regards cities of over 10,000 population the necessity for every real-estate agent to furnish a bond. Situations have arisen which indicate that the public demands further protection, and it is probable that the Act should be made more stringent. Similar legislation in the States is much wider in scope, and this year Alberta and Saskatchewan have passed Acts for licensing real- estate agents, while a Bill of the same kind was introduced into the Ontario Legislature. I have the honour to be, Sir, Your obedient servant, H. G. GARRETT, Superintendent of Insurance. REPORT OF THE SUPERINTENDENT OF INSURANCE, 1928. M 7 APPENDIX. Annual Statement of Provincial Licensees for the Year ended December 31st, 1928. BRITISH COLUMBIA PLATE GLASS INSURANCE COMPANY. Head Office—Vancouver, B.C. Directors. Walter E. Graveley. H. W. Chamberlain. F. M. Chaldeeott. W. J. Albutt. F. G. Syder. Alfred Farmer, Secretary. Statement for the Year ended December 31st, 1928. Assets. Bonds, debentures, etc. (book value) $60,540.03 Cash in banks 3,148.35 Interest accrued 196.27 Agents' balances and premiums uncollected (net, commission deducted) 10,933.25 Gross assets of the Company $74,817.90 Deduct assets not admitted: Agents' balances on premiums written prior to October 1st, 1928 5,657.07 Total admitted assets $69,160.83 Liabilities. Reserve, $25,363.73 (carried out at 80 per cent, thereof) $20,290.98 Capital stock— Authorized $25,000.00 Subscribed and paid up 9,600.00 Rest Account 35,000.00 Surplus 4,269.85 Total liabilities $69,160.83 Profit and Loss Account. Premiums earned $23,194.95 Claims incurred $10,272.59 Commissions 9,463.67 Taxes, salaries, and other expenses 1,877.08 21,613.34 Underwriting profit $1,581.61 Interest earned , $3,072.32 Profit on bonds sold 190.50 3,262.82 Net profit for year $4,844.43 M 8 BRITISH COLUMBIA. List of Shareholders. Name. Residence. Amount, subscribed. Amount paid. Albutt, W. J Albutt, Mrs. E. A... Akroyd, H. C Barnsley, Rev. Geo. Eeasley, A. F Bell-Irving, H Blythe, Miss E". I.... Chaldecott, F. M Chamberlain, H. W. Charleson, Edith H Creery, A. McC Graveley, W. E Hope, C. E... Martin, Robert Rogers, Jonathan.... Syder, F. G Vancouver.. Yorkshire, England Victoria A'ancouver , Metchosin, Vancouver Island.. Vancouver $2,300.00 3.000.00 100.00 100.00 700.00 500.00 200.00 500.00 500.00 100.00 100.00 500.00 200.00 " 100.00 2O0.00 500.00 $9,600.00 52,300.00 3,000.00 100.00 100.00 700.00 500.00 200.00 500.00 500.00 100.00 100.00 500.00 200.00 100.00 200.00 500.00 $9,600.00 CANADIAN ORDER OF CHOSEN FRIENDS. Head Office—Hamilton, Ont. Governing Executive Authority. J. L. Archer. Hon. Dr. J. W. Edwards. Eccles J. Gott. Sheriff Alex. Morris. Wm. Benson. Frank Howard. J. L. Davidson. C. H. Fitch. C. H. Fitch, Secretary. Prof. M. A. Mackenzie, Actuary. Statement for the Year ended December 31st, 1928. Assets. Bonds and debentures (book value) $1,796,305.11 Real estate (book value) 32,000.00 Cash in bank 124,039.71 Interest and rents due and accrued 44,629.67 Premiums, dues, etc 42,623.46 Other assets 5,799.56 $2,045,397.51 Liabilities. Death claims, Mortuary Fund $55,775.33 Claims, Sickness Fund 1,259.90 Premiums paid in advance .- 112.15 Other liabilities 1,312.28 $58,459.66 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1928. M 9 Income. Mortuary Fund $511,884.45 Sickness Fund and Funeral 33,357.03 Guarantee Fund 401.40 Other Benefit Funds—Child Insurance Fund 2,7.85.40 General Expense Fund— Expense dues from members $17,499.95 Other sources 7,259.30 24,759.25 $573,107.53 Disbursements. Mortuary Fund $281,159.99 Sickness Fund 23,145.94 Guarantee Fund 100.00 General Expense Fund— Head Office expenses: Salaries, $6,866.64; directors' fees, $1,308.80; auditors' fees, $700; travelling expenses, $177.62; rents, $2,100: printing and supplies, $1,044.68 ; miscellaneous, $11,154.95 , 23,352.69 Agency and organization expenses: Commissions, $14,068.30; salaries, $2,400; travelling expenses, $1,267; miscellaneous, $232.87 17,968.17 All other expenses : Advertising $863.74; books, periodicals, express, telegrams, and telephones, $473.-11; legal fees, $387.05; taxes and licences, $339.75; agency printing and stationery, $1,038.54; light, fuel, and water, $2.70; official publications, $2,285.47; maintenance of building, $4,038.09; interest on building, $1,600; miscellaneous, $2,310.44 13,338.89 $359,065.68 Income Returns for British Columbia. Per capita tax, certificate fees, supplies, etc $822.51 Premiums (with extra dues, etc.) for mortuary benefits 11,729.51 Premiums for sick benefits .845.28 Guarantee Fund 5.95 • Child Insurance Fund 239.53 $13,642.78 Disbursements— ===== Claims paid for mortuary benefit $1,800.00 Claims paid for sick benefit 346.40 Claims paid for other benefits (field-work) 6.85.85 $2,832.25 THE EMPIRE LIFE INSURANCE COMPANY. Head Office—Toronto, Ont. C. M. Bell. F. H. Kirkpatrick. M. P. Langstaff. S. R. Mackellar. Ernest Pitt. Directors. J. Ross Paterson, Secretary. B. R. McKenzie. J. M. Vaughan. A. H. Vanderburgh. T. H. Wilson. M 10 BRITISH COLUMBIA. St.itement for the Year ended December 31st, 1928. Assets. Mortgage loans on real estate $283,200.00 Loans to policyholders 13,530.29 Bonds, debentures, etc. (book value) 314,518.11 Stocks (book value) 15,633.50 Cash on hand and in banks 11,388.62 Total ledger assets $638,270.52 Interest accrued : $7,801.32 Premiums due and uncollected : 44,009.24 Balance due from agents S,811.77 Total non-ledger assets 60,622.33 $698,892.85 Liabilities. • Reserve under assurance and annuity contracts $302,775.00 Liability for payments due under contracts 13,000.00 Advance payments from policyholders, $955.42; from others, $3,690 4,645.42 Commission to agents due and accrued 7,078.38 Taxes 2,997.34 Salaries, fees, and rents 1,985.22 Other liabilities 3,986.22 Undivided surplus 22,785.27 Reserve 40,000.00 Capital— Authorized $2,000,000.00 Subscribed 1,997,600.00 Paid up 299,610.00 $698,892.85 Income. == Premium income and consideration for annuities $218,006.49 Interest and dividends 23,510.29 Balance 22,965.26 $264,482.04 Disbursements. = ■= Disbursements in respect of assurance and annuity contracts $14,851.86 Taxes, licences, and fees 4,470.22 Head Office expenses: Salaries, $19,801.12; auditors' fees, $700; rents, $1,994.85; directors' fees, $682; travelling expenses, $3,081.09; miscellaneous, $3,509.21 29,768.27 Branch office and agency expenses: Assurance commissions, first year, $52,882.50; renewal, $5,373.29; salaries, $20,677.86; annuity commissions advanced to agents, $8,862.61; miscellaneous, $27,581.80 115,378.06 Expenses re sale of stock 81,506.00 All other expenses: Advertising, $2,666.96; books and periodicals, $373.86; express, telegrams, and telephones, $891.74; legal fees, $319.12; medical fees, $3,857; office furniture, $2,205.43; postage, $2,744.28; printing and stationery, $5,004.24; appraisement expenses, $445 18,507.63 $264,482.04 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1928. M 11 Returns for British Columbia. (See pages 25, 33.) ADA. J. G. Norstrant. Evan Roberts. George Fisher. Archie Corrie. t, 192S. S2.825.00 HOME ASSURANCE COMPANY OF CAN Head Office—Calgary, Alberta. Directors. S. C. Brown. F. A. Ogilvie. G. W. Hagle. W. D. Dixon. G. R. Eltherington. George W. Hagle, Secretary. Statement for the Year ended December 31s Assets. Mortgage loans on real estate Bonds, debentures, etc. (book value) 86,222.78 Cash on hand and in banks 13,326.13 Interest accrued 1.331.77 Agents' balances and premiums uncollected (net commission deduc Other assets (less furniture and fixtures, $1,946.37, not admitted) ted) 3,241.40 2,299.37 $109,246.45 Liabilities. Provision for unpaid claims S2.S25.21 Reserve, carried out at 80 per cent, thereof 17,591.82 Taxes 1,345.60 Surplus 26.901.82 Capital— Authorized and subscribed $500,000.00 60,582.00 $109,246.45 Profit and Loss Account. $89,695.36 $27,280.56 31,564.88 3,725.12 Salaries, fees, and travelling expenses 12,968.45 7,798.04 QQ 957 ClK ' $6,358.31 Interest and dividends $4,222.43 1,416.26 2,806.17 $9,164.48 Returns for British Columbia. (See pages 26, 41, 43.) M 12 BRITISH COLUMBIA. MUTUAL FIRE INSURANCE COMPANY OF BRITISH COLUMBIA. Head Office—Vancouver, B.C. Directors. J. AV. Berry. R. U. Hurford. D. A. McKee. Thos. Lang. Jas. Bailey. J. W. Miller. . Archibald Blair, Jr. H. F. Page. Henry Bose. W. J. Park. W. J. Frederick. C. E. Whitney-Griffiths. W. II. Higginson. W. M. Townsley, Secretary. Statement for the Year etjdeo December 31st, 1928. Assets. Real estate ! $3,340.00 Mortgages 300.00 Bonds 18,102 55 Cash at bank 3,249.51 Office furniture, $1,081.59, including deposits 1,186.59 Premium notes 177,964.34 Premiums, second and third instalments 49,000.48 Premiums due and unpaid 2,143.79 Assessments (1924) unpaid 1,278.63 Deferred commissions 10,917.43 $267,483.32 Liabilities. Loans $9,650.00 Premium notes 177,964.34 Accounts payable 120.00 Reserves— Agents' commissions earned $400.99 Unearned premiums 20,445.92 Premiums, second and third instalments 49,000.48 Assessments (1924) unpaid 1.278.03 71,126.02 Surplus 8,622.96 $267,483.32 Income. Premiums $47,147.81 Interest G29.38 Miscellaneous 153.77 $47,930.66 Disbursements. Losses paid $22,897 91 Commissions : 6,721.33 Loss adjustment 110.99 Interest .- 579.00 Rent and taxes 1,500.77 Salaries, directors' and auditors' fees 8,818.00 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1928. M 13 Legal expenses $170.50 Printing, stationery, and advertising 1,370.07 Post, telegrams, and express 249.98 Miscellaneous 88.44 Balance 5,423.67 $17,930.66 ODD FELLOWS' RELIEF ASSOCIATION OF CANADA. Head Office—Kingston, Ont. Governing Executive Authority. Dr. J. C. Connell. L. B. Cooper. C. C. Folger. W. McDonald. H. G. Robertson. I). A. Shaw. Jos. Powley. J. Donnelly. Wm. Jackson. J. N. Alexander, Secretary-Treasurer. L. K. File, Actuary. Statement for the Year ended December 31st, 1928. Assets. Bonds and debentures (book value) $4,265,207.99 Real estate (boolv value) 51,848.i.0< Cash in bank and at Head Office 95,431.97 Other assets 6,135.65 $4,418,624.11 Liabilities. Death claims $30,930.00* Reserve as at December 31st, 1928 4,037,617.00 Surplus 350,077.11 $4,418,624.11 Mortuary Fund— Income. Premiums $474,656.57 Interest and rents 188,929.73 Profit on sale of securities 12,513.49 $676,099.79 General Expense Fund— Expense dues from members $52,764.71 Other sources (details) 50,021.40 102,783.11 $778,885.90 Mortuary Fund— Disbursements. Death claims $358,921.19 Disability claims 1,215.00 Surrender values 30,851.50 Other disbursements 601.30 $391,58S.99 M 14 BRITISH COLUMBIA. General Expense Fund— Head Office expenses: Salaries, $16,569.34; directors' fees, $820; auditors' fees, $1,750; actuaries' fees and expenses, $500; travelling expenses, $659.73 ; rents, $779.74; printing and supplies, $1,940.90; miscellaneous, $5,000.12 $28,025.83 Agency and organization expenses: Commissions, $6,109.25; salaries, $14,800; travelling expenses, $8,553.08; commission on collection of premiums, $28,545.04 58,007.37 All other expenses : Advertising, $496.50; books, periodicals, express, telegrams, and telephones, $3,038.06; medical fees, $1,450; taxes and licences, $1,660.37; agency stationery, $382.68; light, fuel, and water, $1,273.45; miscellaneous, $3,353.23 11,654.49 Total $489,276.48 Returns for British Columbi.\. Income—Premiums (with extra dues, etc.) for mortuary benefits $29,310.97 Disbursements—Claims paid for mortuary benefits 19,320.62 OHIO FARMERS INSURANCE COMPANY. Head Office—LeRoy, Ohio. Directors. Blake McDowell. N. R. Chalfant. Price Russell. W. F. Kyle. A. I. Vorys. E. A. Bowman. F. H. Hawley. D. AV. Crane. W. E. Haines. D. W. Crane, Secretary. Statement for the Year ended December 31st, 1928. Assets. Real estate (book value) $513,246.03 Mortgage loans on real estate 1,516,816.00 Loans secured by pledge of bonds, stocks, or other collateral 41,878.15 Bonds ($1,684,688.45) and stocks ($451,853.19) (book value) 2,136.541.64 Cash in Company's office and on deposit with trust companies and banks 656,101.10 Agents' balances 564,430.71 Bills receivable taken for fire risks 35,167.68 Due from other insurance companies 1,064.49 Other assets 85,732.15 Interest and rents due and accrued 66,652.97 Market value of bonds and stocks over book value 64,628.20 Gross assets $5,679,065.65 Deduct assets not admitted— Furniture and fixtures $83,398.52 Agents' balances, representing business written prior to October 1st, 1928 .' 665.74 Bills receivable, past due, taken for premiums 35,167.68 Accounts receivable and stock of materials 1,269.14 120,501.08 Total admitted assets $5,558,564.57 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1928. M 15 Liabilities. Unpaid claims (net) $453,627.43 Estimated expenses of investigation and adjustment of losses 1,500.00 Unearned premiums 3,636,778.39 Salaries, rents, fees, etc 1,112.85 Reserve for taxes 52,551.29 Contingent commission or other charges due or accrued 11,700.00 Emergency reserve 150,000.03 Surplus over all liabilities 1,251,294.01 Total $5,558,564.57 Income. Premiums (net) $3,518,252.21 Interest and rents 195,256.64 Profit on sale or maturity of bonds and stocks 22,227.38 Other income , 2,972.02 $3,738,708.25 Disbursements. Amount paid for losses (net) $1,710,744.33 Loss adjustment expenses 100,429.90 Agents' compensation and allowances : 907,705.2.* Field supervisory expenses 129,099.19 Salaries and fees, directors, officers, and clerks 209,949.09 Rents 8,000.00 Maps, including corrections 4,818.45 Inspections and surveys, including underwriters' boards and tariff associations 66,453.51 Taxes, licences, and fees 185,551.63 Postage, telegraph, etc 12,460.16 Legal expenses 3,031.18 Advertising, subscriptions, printing, and stationery 44,787.00 Miscellaneous 87,285.94 Balance 268,412.59 $3,737,708.25 Returns for British Columbia. (See pages 29, 37, 39, 41.) THE ONTARIO EQUITABLE LIFE & ACCIDENT INSURANCE COMPANY. Head Office—Waterloo, Ont. H. G. Bertram. F. C. Biggs. A. AV. Briggs, K.C. M. Doherty. John Haig, K.C. Frank McLaughlin. Directors. AV. E. Long. Harold MacPherson. J. A. Martin. ' E. C. Mitchell. Chas. S. Morton, M.D. W. E. Payne, K.C. M. S. Smith, Secretary. E. K. Reiner. J. M. Riddell. M. Rosseau. A. E. Silverwood. Nelson Spencer. M 16 BRITISH COLUMBIA. Statement for the Year ended December 31st, 1928. Assets. Real estate (book value) $143,858.71 Mortgage loans on real estate 2,783,365.24 Loans and advances to policyholders 435,937.29 Bonds, debentures, etc. (book value) , 1,346,468.74 Stocks (book value) 173,947.50 Cash at Head Office and in banks 87,670.64 Advances to agents 4,971.16 Accounts receivable 371.00 Ledger assets $4,976,590.28 Interest due and accrued $65,122.38 Premiums due and uncollected and deferred 161,883.62 Market value of bonds, debentures, and stocks over cost 26,776.74 Non-ledger assets 253,782.74 $5,233,373.02 Liabilities. Reserve under assurance and annuity contracts $3,643,725.00 Liability for payments due under contracts 31,043.00 Provision for unreported death losses and disability claims 3,957.00 Amounts left with the Company 21,015.91 Premiums received in advance 4,334.78 Borrowed money 690,030.00 Other liabilities 6,557.36 Undivided surplus 345,509.97 Capital— Authorized $5,250,000.00 Subscribed , 3,618,000.00 Paid up 484,140.00 $5,230,373.02 Income. Premium income and consideration for annuities $1,071,268.28 Interest and dividends 237,797.97 Gross rents , 9,110.32 Profit on sale of real estate, bonds, etc 40,829.62 $1,359,006.19 Disbursements. Disbursements under assurance and annuity contracts $307,077.91 Interest or dividends to shareholders 22,149.90 Taxes, licences, and fees 21,085.78 Head Office expenses: Salaries, $53,468.59; auditors' fees, $3,150; rents, $7,225; directors' fees, $2,993; travelling expense^, $5,834.36; miscellaneous, $2,291.86 74,962.81 Branch office and agency expenses: Assurance commissions, first year, $95,889.08; renewal, $95,545.54; salaries, $26,219.98; travelling expenses, $1,743.66; rents, $14,758.90; miscellaneous, $2,146.55 236,303.71 All other expenses: Advertising, $13,304.54 ; books and periodicals, $856.52; express, telegrams, and telephones, $4,726.01; legal fees, $5,222 64; medical fees, REPORT OF THE SUPERINTENDENT OF INSURANCE, 1928. M 17 $6,819.77 ; office furniture, $4,002.22 ; postage, $5,494.60; printing and stationery, $13,366.89 ; commissions on loans, $2,541.25 ; miscellaneous, $45,042:30 $101,376.74 Balance 596,049.34 $1,359,006.19 Returns for British Columbia. (See pages 29, 33.) ROYAL PLATE GLASS INSURANCE COMPANY. Head Office—Vancouver, B.C. Directors. J. P. Nicolls. C. A. Wickens. C. H. Macaulay. R. M. Maitland. A. P. Bogardus. B. C. Grant. Edgar S. Smith, Secretary. Statement for the Year ended December 31st, 1928. Assets. Mortgage loans on real estate $17,600.00 Cash in banks 2,397.65 Interest accrued 504.68 Agents' balances and premiums uncollected (net, commission deducted) 575.34 Government deposit 5,335.72 Commission prepaid 959.96 $27,373.35 Liabilities. Reserve, $2,742.77 (carried out at 80 per cent, thereof) $2,194.22 Other liabilities 374.30 Capital stocli— Authorized $25,000.00 Subscribed .„ 10,000.00 Paid up 2,750.00 Surplus 22,054.83 $27,373.35 Profit and Loss Account-. Premiums earned $3,554.09 Claims incurred $2,275.18 Commissions 1,347.81 Taxes 159.31 Salaries and other expenses 205.16 ~ 3,9S7.46 Underwriting loss : $433.37 Other revenue 1,559.95 Net profit for the year $1,126.58 2 M 18 BRITISH COLUMBIA. List of Shareholders. Name. Residence. No. of Shares. Amount subscribed. Amount paid. 8 5 12 5 5 5 10 14 14 12 10 $800 500 1,200 500 500 500 1,000 1,400 1,400 1,200 1,000 $220.00 J. P. Nicolls 137.50 330.00 137.50 R. D. Douglas .'. Binghampton, U.S..\ Vancouver 137.50 N. S. Douglas 137.50 275.00 J P. Nicolls 385.00 385.00 R. M. Maitland 330.00 B. C Grant .. ''75.00 100 $10,000 $2,750.00 SONS OF NORWAY. Head Office—Minneapolis, Minn. Governing Executive Authority. T. O. Gilbert. P. J. Langen. K. R. Andresen. O. Erichson. K. R. Andresen, Secretary. E. L. Marshall, Actuary. Statement for the Year ended December 31st, 1928. Assets. Mortgages $892,215.00 Bonds and debentures (book value) 267,600.00 Loans and liens on policies 33,708.51 Real estate (book value) 66.732.78 Cash in bank and at Head Office 44,737.54 Interest and rents due and accrued.. 30,078.74 Premiums, due, etc 21,355.42 Other assets 28,067.85 $1,384,495.84 Liabilities. — =3=: Mortuary Fund—Death claims $10,000.00 Sickness Fund—Claims incurred 832.24 Reserve (Mortuary Department) 1,062,148.17 Surplus 311,515.43 $1,384,495.84 Income. 2= , Mortuary Fund .'. $250,774.57 Sickness Fund 18,059.92 General Expense Fund— Expense dues from members $57,685.07 Other sources 19,599.71 ■ ■ 77,284.80 Disbursements. Mortuary Fund Sickness Fund .. $346,119.29 $60,291.50 21,477.44 General Expense Fund— , Head Office expenses : Salaries, $11,579.65 ; auditors' fees, $550; actuaries' fees and expenses, $736.54; travelling expenses, $1,532.13; rents, $2,280.45; printing and supplies,' $3,213.03 ,. $19,891.80 Agency and organization expenses 41,458.31 All other expenses: Books, periodicals, express, telegrams, and telephones, ■ $844.71; legal fees, $605.65; medical fees, $713.50; taxes and licences, $511.32; official publications, $8,026.34; miscellaneous, $7,836.72 18,538.24 $161,657.29 Returns for British Columbia. ■—■ (See page 30.) Income Nil Disbursements Nil SONS OF SCOTLAND BENEVOLENT ASSOCIATION. Head Office—Toronto, Ont. Governing Executive Authority. Dr. John Ferguson. Adam Brand. Col. D. M. Robertson. Col. Alex. Cowan. Rev. D. AVallace Christie. J. P. MacGregor. F. S. Mearns. A. C. Gordon. Col. Alex. Fraser. W. M. McClement. John Tytler. F. S. Mearns, Secretary. W. R. Hitchins, Actuary. Statement for the Ye.\r ended December 31st, 1928. Assets. Amortization' value of bonds and debentures not in default $1,193,588.47 Cash in banks 27,794.66 Interest and rents due and accrued 25,032.47 Premiums, dues, etc 10,883.89 Premium loans on policies 7,208.92 Other assets - 5,000.00 $1,269,508.41 Liabilities. =■= =—;— Death claims $13,180.00 Reserve ■' 963,931.00 Surplus 292,397.41 $1,269,508.41 Income. —i— Mortuary Fund $132,733.60 Sickness Fund 3,816.31 Juvenile Benefit Fund 38.80 General Expense Fund— Expense dues from members $8,091.64 Transfers from Mortuary and Sick Benefit Funds 23,832.95 Other sources 1,877.41 33,802.00 $170,390.71 M 20 BRITISH COLUMBIA. Disbursements. Mortuary Fund $87,410.12 Sickness Fund 2,424.88 General Expense Fund—■ Head Office expenses: Salaries, $7,713.70; directors' fees, $406; auditors' fees, $200; actuaries' fees and expenses, $510; travelling expenses, $153.70; rents, $900; printing and supplies, $1,349.31 11,232.71 Agency and organization expenses : Commissions, $418; salaries, $13,556.81; travelling expenses, $5,130.74; miscellaneous, $194.50 19,390.05 All other expenses : Advertising, $15.41; books, periodicals, express, telegrams, and telephones, $158.52; medical fees, $28; taxes and licences, $409.19; light, fuel, and water, $23.23; miscellaneous, $1,193.32 1,827.67 $122,195.43 Returns for British Columbia. Income— Premiums (with extra dues, etc.) for mortuary benefits $4,962.49 Premiums for sick benefits 40,78 Premiums for other benefits (juvenile) 3.00 $5,006.27 Disbursements— ■ # = . = Claims paid for mortuary benefits $3,600.00 Claims paid for sick benefits 20.00 $3,620.00 THE TORONTO CASUALTY, FIRE & MARINE INSURANCE COMPANY. Head Office—Toronto, Ont. Directors. G. L. Smith. C. V. Cummings. Rt. Hon. A. Meighen, K.C. R. T. Evans. A. E. Dawson. Hon. Forbes Godfrey. C. H. Ackerman. R. Lawson. J. T. Brawnd. M. A. Mackenzie, M.A.F.I.A. C. Buchanan. A. E. Wilson. Statement for the Year e.noed December 31st, 1928. Mortgage loans on real estate $66,100.00 Bonds, debentures, etc. (book value) 847,076.05 Cash at Head Office and in banks 176,230.02 Interest and rents accrued 9,023.01 Agents' balances and premiums uncollected (net, commission deducted) 164,516.73 Bills receivable 123.58 Amount due from reinsurance on losses already paid 9,686.02 Other assets 18,164.54 Gross assets $1,290,919.95 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1928. M 21 Deduct assets not admitted— Agents' balances on premiums written prior to October 1st, 1928 $11,450.50 Bills receivable 32.08 Advances to agents 4,645.07 $16,127.65 $1,274,792.30 Liabilities. .=—■— Reserve, $339,770.83 (carried out at 80 per cent, thereof) $271,816.65 Provision for unpaid claims 123,548.43 Taxes due and accrued 13,963.86 Reinsurance premiums r. 108,654.10 Other contingency reserves 2,500.00 Other liabilities 26,057.49 Capital— Authorized $2,000,000.00 Subscribed 445,118.50 Paid up 445,118.50 Surplus in Profit and Loss Account 283,133.27 $1,274,792.30 Profit and Loss Account. Premiums earned $660,305.64 Claims incurred $370,140.34 Adjustment expenses 37,313.50 Commissions 146,338.10 Taxes 17,940.38 Salaries, fees, and travelling expenses 83,183.86 Other expenses 52,961.71 707,877.89 Underwriting loss $47,572.25 Other revenue— Interest $8,909.03 Profit on sale of investments 22,04S.91 . $30,957.94 Other expenditure— Bad debts written off $716.02 Decrease in market value of investments 13,628.16 14,344.18 16,613.76 Net loss for the year $30,958.49 Returns for British Columbia. (See pages 30, 37, 39, 41, 43.) THE AATESTERN EMPIRE LIFE ASSURANCE COMPANY. Head Office—Winnipeg, Man. Directors. AVm. Smith. AArm. Hudson. R. AV. Craig. S. D. Hannah. General H. M. Dyer. R. A. M. Campbell. F. C. O'Brien, Secretary. Statement for the Ye-vr ended December 31st, 1928. Assets. Real estate (book value) $22,260.32 Mortgage loans on real estate 787,222.15 Loans and advances to policyholders 263,267.91 Bonds, debentures, etc. (book value) 241,279.18 Cash at Head Office and in banks 29,387.33 Total ledger assets , $1,343,416.89 Interest and dividends due $25,227.43 Premiums due and uncollected and deferred (net) 78,748.24 Total non-ledger assets 103,975.67 $1,447,392.56 Liabilities. Reserve under assurance annuity contracts $1,091,648.00 Liability for payments due under contracts 13,494.18 Received from policyholders in advance , 6,570.60 Medical examiners' fees due and accrued 323.50 Taxes 5,000.00 Borrowed money 47,000.00 Death claims reported 3,000.00 Other liabilities 1,385.47 Surplus 58,058.57 Capital— Authorized $1,000,000 Subscribed 895,500 Paid up 220,912.24 $1,447,392.56 Income. Premium income and consideration for annuities $283,512.48 Interest and dividends 85,703.45 Other income 189.48 $369,405.41 Disbursements. Disbursements under assurance and annuity contracts $32,517.19 Taxes, licences, and fees .• 5,452.51 Head Office expenses: Salaries, $29,256.75; directors' fees, $500; auditors' fees, $460; travelling expenses, $1,609.55; rents, $4,020; miscellaneous, $4,869.97 40,716.27 Branch office and agency expenses 66,972.91 All otlier expenses: Postage, $1,215; express, telegrams, and telephones, $525.15; printing and stationery, $6,931.72; legal fees, $1,593.23; commissions on loans, $386.75; medical fees, $4,028.90; miscellaneous, $2,856.32 17,537.07 $163,195.95 Returns for British Columbia. (See pages 31, 33.) O ■4 P o % < « [3 CO .5 P w EH P R P P P a. 15 H O xn A P P xn fc hH o i-l xn 05 !M 05 ta •M s p -5 3a. £ fe-2 fe.'3-o '•a -22 r\ Sa „? 5 -a ' ...fl ' o g c a 3 g f« to r> 3 O ~ " 0,-0 s "- '3 oT-S £?•* . W 333j — u c. 3 Cfl" . 03 +* . ci) 3, 3, (J 3-. 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LIST OF UNDERWRITERS' AGENCIES LICENSED UNDER THE " INSURANCE ACT." Britannic Underwriters, representing Employers Liability Assurance Corporation, Limited. British & Canadian Underwriters, representing Norwich Union Fire Insurance Society, Limited. Canadian Hardware & Implement Underwriters, representing Retail Hardware Mutual Fire Insurance Company, Minnesota Implement Mutual Fire Insurance Company, and Hardware Dealers Mutual Fire Insurance Company. Canadian Pacific Underwriters Agency, representing Merchants Fire Assurance Corporation of New York. Canadian Underwriters Agency, representing Baloise Fire Insurance Company. Colonial Fire Underwriters Agency, representing National Fire Insurance Company of Hartford. Delaware Underwriters, representing Westchester Fire Insurance Company. Edinburgh Underwriters Agency, representing Scottish Union & National Insurance Company. Globe Underwriters Agency, representing Globe & Rutgers Fire Insurance Company. London Underwriters Agency, representing London Assurance Corporation. Minnesota Underwriters Agency, representing St. Paul Fire & Marine Insurance Company. Nova Scotia Fire Underwriters Agency, representing Home Insurance Company. Retail Merchants Underwriters Agency, representing Northwestern Mutual Fire Association. Rochester Underwriters Agency, representing Great American Insurance Company. Winnipeg Fire Underwriters Agency, representing Home Insurance Company. LIST OF RECIPROCAL EXCHANGES TO WHICH PERMITS UNDER SECTION 174 OF THE "INSURANCE ACT" HAVE BEEN GRANTED. Affiliated Underwriters, New York, N.Y. Canners Exchange Subscribers at Warner Inter Insurance Bureau, Chicago, 111. Epperson Underwriters, Kansas City, Mo. Equitable Fire Underwriters, Kansas City, Mo. Individual Underwriters, New York, N.Y. Inter-Insurers Exchange, Kansas City, Mo. Lumbermen's Underwriting Alliance, Kansas City, Mo. Manufacturing Lumbermen's Underwriters, Kansas City, Mo. National Lumber Manufacturers Inter Insurance Exchange, Chicago, 111. New York Reciprocal Underwriters, New York, N.Y. Sprinklered Risk Underwriters, Chicago, 111. Underwriters Exchange, Kansas City, Mo. United States Inter Insurance Association, Seattle, Wash. Warner Reciprocal Insurers, Chicago, 111. INSURERS LICENSED SINCE DECEMBER 31st, 1928. Columbia Life Assurance Company, Vancouver, B.C.; Head Office, Vancouver; life. Indemnity Mutual Marine Assurance Company, Limited, London, England; B. G. D. Phillips, Vancouver; marine. National Union Indemnity Company, Pittsburg, Pa.; S. P. Moody, Victoria; accident, automobile (excluding insurance against loss or damage by fire), burglary, and plate glass. Northwest Casualty Company, Seattle, Wash.; J. H. Constantine, Vancouver; automobile, burglary, and plate glass. Deposit of $30,000 in securities. Pearl Assurance Company, Limited, London, England; Harold Darling, Vancouver; fire and tornado. Sussex Fire Insurance Company, Newark, N.J.: Robert Blane, Vancouver; fire and tornado. Thames and Mersey Marine Insurance Company, Limited ; B. G. D. Phillips, Vancouver: marine. United Pacific Casualty Insurance Company, Seattle, AVash.; R. L. Maitland, Vancouver; automobile, accident, burglary, boiler and machinery, guarantee, plate glass, and sickness. Deposit, .$25,000 in securities. RECIPROCAL EXCHANGE GRANTED PERMIT SINCE DECEMBER 31st, 1928. The Lumber Underwriters, Little Rock, Arkansas. UNDERWRITERS' AGENCY LICENSED SINCE DECEMBER 31st, 1928. Atlantic Underwriters Agency, representing the Toronto Casualty Fire & Marine Insurance Company. REPORT OF THE SUPERINTENDENT OF INSURANCE, 1928. M 33 O c-3 Z! H fa o «f ZJ < rt Eh rt rt 3 z. =i 3 3 D a a Z A a A A 3 J 0 ■H a 3 4 oil O 3.— -r*l ia;*; te) w O -hS. co CO OO 01 CS Ol Jt- CO o © l-H m Ol oo 1-1 rA CM O OO.N - co Ol r-< ■* OS OS 2 th '•^i ""aj ,"_". 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Njet amount in force Claims paid 1924. $8,203,000 251,945,000 2,206,000 1925. $9,220,000 276,281,000 1,913,000 1926. $10,524,000 308,808,000 1,753,000 1927. 1928. $11,645,000 | $12,232,000 341,932,000 I 372,689,000 2,158,000 2,465,000 TABLE III.—FIRE INSURANCE PREMIUMS AND LOSSES, 1928. Name of Company. Acadia Fire Insurance Co Aetna Insurance Co Agricultural Insurance Co Alliance -Assurance Co., Ltd Alliance Insurance Co. of Philadelphia American Alliance Insurance Co American Central Insurance Co American Equitable Assurance Co. of N.Y American Insurance Co Anglo Scottish General Commercial Insurance Co. Ltd Atlas Assurance Co., Ltd Baloise Fire Insurance Co Bankers' & Traders' Insurance Co., Ltd Beaver Fire Insurance Co Boston Insurance Co British America Assurance Co British & European Insurance Co., Ltd British Canadian Insurance Co British Colonial Fire Insurance Co British Crown Assurance Corporation, Ltd British Empire .Assurance Co British General Insurance Co., Ltd British Law Insurance Co., Ltd British North Western Fire Insurance Co Brit-ish Oak Insurance Co., Ltd British Traders Insurance Co., Ltd Caledonian American Insurance Co Caledonian Insurance Co California Insurance Co Canada Accident & Fire .Assurance Co Canada National Fire Insurance Co Canada Security Assurance Co Canadian Fire Insurance Co Canadian Indemnity Co Canadian Surety Co Car and General Insurance Corporation, Ltd Casualty Company of Canada Central Insurance Co., Ltd Century Insurance Co., Ltd China Fire Insurance Co., Ltd Citizens Insurance Co. of Missouri City of New York Insurance Co Columbia Insurance Co Commercial Union .Assurance Co., Ltd Commercial Union Fire Insurance Co. of N.Y Connecticut Fire Insurance Co Continental Insurance Co Cornhill Insurance Co., Ltd Dominion Fire Insurance Co Dominion of Canada Guarantee & Accident Ins. Co Eagle Star & British Dominions Insurance Co., Ltd. Employers Liability Assurance Corporation, Ltd Ensign Insurance Company Equitable Fire & Marine Insurance Co Essex & Suffolk Equitable Insurance Society, Ltd... Federated British Insurance Co., Ltd Fidelity American Insurance Co Fidelty Phenix Fire Insurance Co Fire Association of Philadelphia Fire Insurance Company of Canada Fireman's Fund Insurance Co Carried forward Net Premiums written. $19,032.39 63,471.62 12,304.92 36,740.11 26,193.14 6,497.74 17,400.85 12,996.71 10.573.18 41,294.27 88,532.54 6,108.74 46,333.87 5,955.84 16,277.82 29,826.20 6,806.60 16,972.33 17,268.30 37,003.32 37,041.71 14,436.42 19,938.41 26,297.76 20,433.43 34,994.09 17,908.51 56,680.00 34,913.03 26,974.54 27,641.27 14,919.75 37,578.86 14,690.85 Nil 12,903.48 5,741.05 22,992.54 39,690.90 428.24 35,747.06 4,635.12 16,110.85 77,577.12 13,248.96 35,611.61 53,808.60 35,120.22 32,370.92 13,820.90 47,834.53 45,192.46 11,777.94 13,477.58 11,033.28 5,880.33 3,103.20 75,335.70 25,019.53 43,228.26 55,800.47 $1,630,529.97 Net Amount of Losses incurred. $19,685.03 15.776.32 3,693.38 12,075.36 4,834.31 2,065.37 7,199.67 2,417.05 8,406.58 23,339.31 28,716.08 4,453.06 35,363.44 561.17 9,436.40 21,114.22 4,865.05 13,729.50 5,663.44 26,051.14 9,065.98 8,998.40 8,758.04 7,123.44 12,701.94 11,975.19 4,899.29 18,271.33 20,730.61 7,524.49 9,044.70 2,385.16 11,276.49 4,856.60 Nil 2,114.91 862.53 5,586.38 10,920.67 1,009.50 18,206.22 3,037.60 12,189.07 28,381.74 5,729.17 13,814.31 13,063.38 20,481.02 4,147.13 419.60 17,370.47 13,657.53 1,947.99 10,270.12 2,612.57 252.46 6,844.18 15,913.75 8,546.37 22,318.09 49,029.86 $675,784.16 Net Amount of Losses paid. Net Premiums earned. $21,765.64 $38,650.01 18,084.69 63,830.24 1,795.58 12,044.80 12,105.36 43,010.69 4,834.31 16,624.71 1,071.37 5,771.43 6.168.67 22,236.30 2,021.05 12,980.48 '7,488.58 9,901.11 23,378.64 40.167.47 30,507.08 86,252.72 4,453.06 6,818.35 30.810.63 44,382.41 546.17 '5,921.85 7,452.46 12,116.64 19,347.87 46,847.21 3,246.05 8,452.72 13,874.45 '6,021.78 1,495.97 18,431.05 22,944.04 37,651.99 11,488.98 17,561.48 6,701.40 13,553.14 9,266.04 20,009.60 5,959.12 23,572.59 11,218.94 22,919.33 13,880.19 36,400.08 7,633.39 17,963.06 23,231.12 56,934.64 24,536.68 42,421.94 5,865.15 22,733.94 7,723.64 32,944.05 2,456.16 13,772.46 12,956.49 38,955.91 5,981.60 14,123.85 Nil NU 614.91 13,610.4'5 5.25 4,396.26 4,749.31 22,295.52 12,324.41 38,466.93 9.50 2,213.42 19,035.64 38,334.73 2,710.60 2,945.35 10,167.57 16,110.85 27,309.40 80,149.23 7,290.42 12,670.70 12,887.61 38,686.18 11,228.05 49,468.17 20,481.02 '24,753.23 3,807.24 21,657.20 404.60 14,691.24 18,612.46 45,290.89 12,998.53 45,387.49 1,979.65 9,356.83 8,276.72 13,677.26 2,571.57 10,466.54 383.46 5,262.29 6,844.18 1,958.20 14,282.91 68,423.69 7,163.38 21,617.44 22,834.09 40,750.27 45,851.73 50,538.19 $657,114.78 $1,604,159.18 M 36 BRITISH COLUMBIA. TABLE III.—FIRE INSURANCE PREMIUMS ANE NET LOSSES, 1928—Continued. Name of Company. Net Premiums written. Net Amount of Losses incurred. Net Amount of Losses paid. Net Premiums earned. $1,639,529.97 26,091.28 12,752.56 16,030.70 9,355.77 11,552.87 ■ 24,839.66 20,569.90 97,613.91 1,542.80 7,153.97 47,354.45 32,231.52 53,223.12 146,832.59 20,544.53 18,215.92 18,131.43 19,919.01 93,422.46 129,283.83 50,742.36 22,516.42 8,385.54 30,796.03 74,395.03 16,942.58 4,680.26 42,444.10 150,555.12 33,664.08 10.172.74 4,711.85 139,645.62 4,373.61 15,241.38 70,425.79 12,375.26 30,061.45 Nil 18,725.28 22,467.20 69,717.97 21,765.00 4,634.51 30,914.03 13,075.78 Nil 19,919.01 8,615.11 39,173.11 •46,214.62 30,352.64 47,444.96 59,300.60 26,958.28 12,376.39 23,481.73 9,360.26 38,247.31 3,145.25 29,661.25 85,065.70 32,262.90 56,068.10 10,568.28 147,715.32 20,738.45 12,938.70 108,768.13 $675,784.16 968.04 3,886.32 2,241.95 5,536.37 925.84 7,739.89 5,921.81 2,032.97 Nil 1,722.14 65,285.41 6,818.69 19,156.52 59,680.20 12,027.45 8,240.63 3,950.62 6,393.24 41,744.12 70,167.80 12,725.28 10,905.88 4,703.16 6,037.20 38,139.03 5,414.26 1,099.70 9,402.67 71,912.36 11,067.56 704.13 Nil 45,934.63 1,544.16 336.96 23,756.19 6,673.16 8,233.25 NU 2,964.60 5,226.90 26,175.13 12,040.69 238.13 17,098.94 1,383.26 Nil 6,393.74 2,616.07 12,929.60 22,897.91 8,607.60 26,164.19 30,570.82 1,300.74 2,099.02 1,833.98 4,538.84 13,036.31 1,482.41 10,894.49 24,979.66 13,032.72 16,897.76 3,048.94 19,476.94 2,704.75 3,455.26 17,786.51 $657,114.78 1,276.58 4,896.78 2,214.95 5,293.37 925.84 2,783.53 3,382.81 66.28 Nil 2,047.14 62,585.66 9,562.22 16,922.52 59,078.12 5,625.79 6,739.57 3,959.32 6,047.07 34,067.32 67,256.80 12,862.28 10,092.38 4,203.16 10,946.33 37,138.02 4,019.73 1,009.70 10,254.67 77,354.19 11,506.27 223.13 1,588.81 45,394.73 1,569.16 406.96 25,459.24 6,702.02 9,748.25 Nil 7,396.01 5,385.90 27,248.13 11,282.69 238.13 17,040.94 801.12 Nil 6,047.07 2,244.32 14,939.60 23,897.91 8,542.12 24,921.19 33,060.82 1,513.74 2,154.02 1,889.98 2,481.04 19,845.16 1,498.16 5,006.49 22,858.93 13,286.72 18,850.76 3,454.94 19,476.94 4,695.67 2,401.26 18,868.81 $1,604,159.18 23,883.47 9,955.52 11,639.43 10,132.06 General Accident Assurance Co. of Canada General Accident, Fire & Life Assur. Corporation, Ltd. 12,211.67 23,980.81 18,351.04 67,320.81 754.73 7,901.99 46,012.81 35,530.81 52,223.37 147,182.00 21,179.07 16,000.24 10,704.85 18,016.29 78,123.38 105,827.94 47,217.09 26,787.41 Imperial Guarantee & Accident Insurance Co. of Can. 3,641.00 32,702.33 78,625.05 Insurance Co. of the State of Pennsylvania Laurentian Insurance Co _ 14,663.59 2,836.73 40,1.37.88 Liverpool & London & Globe Insurance Co., Ltd 150,675.76 35,713.45 6,114.03 London & Lancashire Guarantee & .Occident Co. of 4,893,96 147,078.84 London & Provincial Marine & General Ins. Co., Ltd. London & Scottish Assurance Corporation, Ltd 3,410.67 12,828.78 70,157.51 8,930.82 29,491.78 Nil 17,234.27 22,388.52 68,904.91 21,700.05 2,595.33 30,936.15 Mill Owners Mutual Fire Insurance Co. of Iowa 9,830.26 Nil Minnesota Implement Mutual Fire Insurance Co. 18,016.29 8,310.35 37,362.26 Mutual Fire Insurance Co. of British Columbia 45,389.25 33,293.85 48,341.89 56,288.37 27,072.10 14,519.26 25,643.15 8,220.24 32,194.47 3,046.47 28,714.00 North British & Mercantile Insurance Co., Ltd, 80,426.80 26,658.42 57,734.85 North River Insurance Co _ 10,199.16 141,523.02 31,110.56 13,'502.92 106,535.28 $4,217,997.34 $1,570,689.66 $1,543,744.05 $4,064,780.42 * First year. REPORT OP THE SUPERINTENDENT OF INSURANCE, 1928. M 37 TABLE III.—FIRE INSURANCE PREMIUMS AND NET LOSSES, 1928— Continued. Name of Company. Net Premiums written. Net Amount of Losses incurred. Net Amount of Losses paid. Net Premiums earned. Brought foricard Occidental Fire Insurance Co Ocean Accident & Guarantee Corporation, Ltd.. Ohio Farmers Insurance Co Pacific Coast Fire Insurance Co Palatine Insurance Co.. Ltd Patriotic Assurance Co., Ltd Phenix Fire Insurance Co. of Paris Phoenix Assurance Co., Ltd Phoenix Insurance Co. of Hartford Pioneer Insurance Co Planet Assurance Co., Ltd Providence Washington Insurance Co Provincial Insurance Co., Ltd Prudential Assurance Co., Ltd Quebec Fire Assurance Co Queen Insurance Co. of America Queensland Insurance Co., Ltd Railway Passengers Assurance Co Reliance Insurance Co. of Canada Retail Hardware Mutual Fire Insurance Co Rhode Island Insurance Co Royal Exchange Assurance Royal Insurance Co.. Ltd Royal Scottish Insurance Co., Ltd St. Paul Fire & Marine Insurance Co Scottish Canadian Assurance Corporation Scottish Metropolitan Assurance Co., Ltd Scottish Union & National Insurance Co Sea Insurance Co., Ltd Security Insurance Co. of New Haven Southern Insurance Co., Ltd Springfield Fire & Marine Insurance Co , State Assurance Co., Ltd Stuyvesant Insurance Co Sun Insurance Office Svea Fire & Life Insurance Co., Ltd Toronto Casualty, Fire & Marine Insurance Co Trans Canada Insurance Co , Union Assurance Society, Ltd Union Fire Insurance Co. of Paris Union Insurance Society of Canton, Ltd Union Marine Insurance Co., Ltd United British Insurance Co., Ltd United Mutual Fire Insurance Co United States Fire Insurance Co Universal Insurance Co Wawanesa Mutual Insurance Co Westchester Fire Insurance Co Western Assurance Co World Fire and Marine Insurance Co World Marine & General Insurance Co., Ltd Yang-tsze Insurance Association, Ltd Yorkshire Insurance Co., Ltd Totals 1,217,997.34 21,073.71 38,965.97 25,252.57 39,454.48 28,027.81 20,672.63 9,393.74 362,973.62 44,652.98 21,991.38 13,405.49 15,979.05 37,224.11 47,745.00 30,613.91 71,702.96 23,080.26 7,636.42 7,976.52 19,919.01 2,497.53 61,611.41 131,560.78 15,490.38 24,322.04 16,949.75 30,493.64 53,586.14 25,548.52 14,315.04 736.51 45,575.94 22,504.43 13,070.80 88,546.12 17,853.12 16,257.78 4,493.32 40,947.22 18,657.43 49,560.62 433.74 12,715.07 6,397.26 52,825,02 5,858.83 21,388.00 20,630.38 34,842.44 13,209.76 13,617.84 17,088.14 33,252.25 $1,570,689.66 4,992.74 18,864.61 1,482.66 11,758.02 6,406.55 11,117.38 14,102.54 100,571.71 26,309.56 2,754.01 409.38 5,719.61 10,954.83 29,492.00 11,662.33 16,929.51 14,724.44 9,260.60 1,912.82 6,393.74 Nil 19,157.26 33,160.81 1,854.75 5,073.55 11,094.90 2,731.49 5,878.52 14,921.03 6,153.46 NU 20,497.76 2,573.10 9,070.20 16,954.42 8,176.35 1,355.50 4.90 9,607.58 18,493.53 14,860.52 582.87 3,935.94 381.79 29,205.16 281.90 2,497.50 16,330.82 11,901.41 6,988.86 1,459.22 1,960.80 8,591.33 ,543,744.05 5,223.74 19,239.61 1,468.28 12,618.50 7,310.06 8,294.79 12,817.54 99,400.46 23,466.27 2,053.50 100.66 9,939.61 10,987.83 25,642.01 11,829.33 16,689.51 14,186.75 660.60 1,026.99 6,047.07 Nil 9,624.26 33,972.81 999.75 4,559.52 5,807.27 2,669.49 8,639.72 11,636.03 4,619.46 NU 21,340.13 2,623.10 7,600.20 15,480.04 8,087.54 2,255.50 4.90 .8,343.58 18,395.53 14,316.52 582.87 4,017.84 381.79 24,991.20 163.10 2,497.50 12,564.43 12,570.11 7,189.68 1,558.22 1,960.80 8,157.33 $4,064,780.42 14,392.26 38,517.73 4,308.86 41,295.85 29,121.47 21,501.03 12,479.21 344,604.63 43,660.24 11,523.61 7,507.07 19,109.25 36,323.26 42,939.82 28,775.54 72,662.28 23,279.37 '3,976.81 8,333.11 18,016.29 1,447.82 56,997.48 134,173.25 17,273.05 27,621.92 18,234.53 30,479.33 54,196.60 25,217.67 14,367.29 261.43 46,008.05 17,899.31 12,692.31 85,746.80 14,437.90 15,944.65 2,380.11 43,348.08 19,339.72 57,104.16 886.09 11,876.63 5,452.17 48,155.28 3,354.18 1,275.00 22,068.74 50,199.35 9,993.35 14,740.48 16,844.85 35,134.43 $6,032,585.21 $2,162,247.93 $2,090,357.38 $5,802,250.12 TABLE IV.—FIRE INSURANCE SUMMARY. Year. Net Premiums written. Net Amount of Ixisses paid. Net Premiums earned. Net Amount of Losses incurred. Ratio Losses incurred to Premiums earned. $5,188,573.63 5,550,732.19 '5,670,340.79 5,653,679.51 6,032,585.21 $3,497,932.48 2,719,058.72 2,898,098.40 2,432,973.37 2,090,357.38 $2,948,339.22 3,030,900.09 .2,662,799.05 2,053,790.62 2,162,247.93 $12,858,076.91 1926 - 1927 1928 $5,802,250.12 $37.26 Totals $28,095,911.33 $13,338,420.35 $5,802,2'50.12 $37.26 M38 BRITISH COLUMBIA. TABLE V.—AUTOMOBILE INSURANCE PREMIUMS AND LOSSES, 1928. Name of Company. Net Premiums written. Net Premiums earned. Net Losses incurred. Ratio Losses inc. to Prem. earned. Aetna Insurance Co Agricultural Insurance Co Allianee .Assurance Co., Ltd Alliance Insurance Co. of Philadelphia American Alliance Insurance Co American Automobile Fire Insurance Co American Automobile Insurance Co American Central Insurance Co .Anglo Scottish General Commercial Insur. Co., Ltd. The Autocar Fire & Accident Ins. Co British America .Assurance Co British Canadian Insurance Co British Colonial Fire Insurance Co British Crown Assurance Corporation British Empire Assurance Co British General Insurance Co., Ltd British Law Insurance Co British Oak Insurance Co., Ltd British Traders Insurance Co., Ltd Canada Accident & Fire Assurance Co Canada Security Assurance Co Canadian Fire Insurance Co Canadian General Insurance Co Canadian Indemnity Co Canadian Surety Co Car & General Insurance Corporation Casualty Co. of Canada Central Insurance Co., Ltd Century Insurance Co., Ltd China Fire Insurance Co., Ltd Columbia Insurance Co Commercial Union Assurance Co., Ltd Continental Casualty Co Continental Insurance Co Cornhill Insurance Co Dominion Fire Insurance Co Dominion of Canada Guar. & .Ace. Co Eagle Star & British Dominions Insurance Co Employers Liability Assurance Corporation Equitable Fire & Marine Insurance Co Fidelity Insurance Co. of Canada Fidelity Phenix Fire Insurance Co Fire Association of Philadelphia Fireman's B'und Insurance Co Franklin Fire Insurance Co General Accident Assurance Co General .Accident Fire & Life Assurance Corp., Ltd. General Casualty Co. of America General Casualty Insurance Co. of Paris, France General Exchange Insurance Corporation General Insurance Co. of America Glens Falls Insurance Co Globe & Rutgers Fire Insurance Co Globe Indemnity Co Great American Insurance Co Guardian Insurance Co. of Canada Halifax Fire Insurance Co Hardware Dealers Mutual Fire Insurance Co Hartford Accident & Indemnity Co Hartford Fire Insurance Co Home Assurance Co. of Canada Home Insurance Co Hudson Bay Insurance Co Imperial Guarantee and Accident Insur. Co. of Canada Imperial Insurance Office Indemnity Insurance Co. of North America Insurance Co. of North America Law, Union & Rock Insurance Co Liverpool & London & Globe Insurance Co Liverpool-Manitoba Assurance Co London & Lancashire Guar. & Accident Co Carried forward.. $474.42 148.73 10,781.47 5.00 6.99 3,100.98 2,586.33 Nil 1,819.00 4,277.51 27,193.52 4,365.35 22,030.03 4,991.00 8,750.24 4,164.29 17,877.64 1,812.57 40,682.66 23,079.92 34.88 7,138.56 14,790.00 18,602.79 12,055.32 2,911.31 2,740.99 1,980.98 4,580.12 Nil NU 11,406.76 1,769.96 130.31 4,909.88 Nil 34,339.12 2,343.69 37,617.53 Nil 5,335.38 104.09 15,363.92 686.37 NU 21,765.57 2,214.07 7,720.84 34,452.75 13,736.16 15,324.43 Nil 5,566.73 72.07 51.47 49,206.04 NU 2.28 243.22 3,869.42 Nil 2,601.14 NU " 15,992.08 7,918.15 5,615.86 7,940.48 8,649.37 23,819.90 3,124.48 41,947.24 $563.16 159.27 8,391.00 9.00 8.82 2,005.41 7,582.81 Nil 1,091.40 3,832.69 29,452.59 2,933.95 17,888.09 5,166.21 5,788.29 3,297.17 16,130.74 1,087.55 41,496.91 23,247.84 39.82 6,878.48 15,043.36 12,570.46 11,619.90 2,163.91 3,009.71 1,725.05 2,748.07 Nil Nil 10,105.52 1,732.38 173.42 8,025.71 Nil 33,619.52 1,912.90 38,603.32 Nil 5,063.14 147.94 12,398.67 827.63 Nil 21,178.49 2,536.25 4,796.85 21,437.21 11,812.89 9,313.51 Nil 4,312.81 7,771.51 58.53 48,367.81 21.84 1.38 259.60 3,391.86 NU 2,452.88 Nil 11,132.09 6,914.93 3,213.64 5,093.07 9,275.09 17,118.32 3,165.52 39,852.95 * $160,001 Nil 3,034.63 Nil Nil 536.37 6,537.14 Nil 149.25 3,468.38 21,683.03 1,995.75 9,248.97 5,419.45 3,422.16 983.20 8,942.13 108.95 22,684.53 16,560.65 Nil 1,648.21 15,410.87 7,783.59 5,223.21 1,212.54 359.54 969.59 2,644.01 NU Nil 7,243.95 1,864.78 234.23 2,941.34 Nil 16,232.29 3,988.10 15,807.57 NU 3,088.51 14.22 6,610.71 199.80 Nil 12,944.64 2,241.10 2,449.87 17,645.34 6,759.83 5,153.90 Nil 5,956.26 3,397.82 NU 34,748.72 NU Nil Nil 1,102.77 Nil 2,999.32 ■ NU 8,325.04 2,321.84 2,157.40 958.34 4,792.15 8,934.31 1,466.14 23,474.45 Nil Nil 36.16 Nil NU 26.75 86.21 Nil 13.67 90.47 73.62 68.02 51.70 104.90 59.12 29.82 55.04 10.01 54.66 71.24 Nil 23.96 102.40 61.90 44.98 56.03 11.78 56.21 96.03 NU NU 71.68 107.64 135.39 36.65 NU 48.28 208.4S 41.11 Nil 60.99 9.61 53.31 21.07 NU 61.12 88.36 51.07 82.31 57.22 55.30 Nil 138.10 43.72 NU 71.84 Nil Nil NU 32.51 Nil 122.27 Nil 74.78 33.58 67.13 18.81 51.67 52.19 46.31 58.90 $628,823.36| $573,030.84| $346,080,891 I * Credit. REPORT OF THE SUPERINTENDENT OF INSURANCE, 1928. M 39 TABLE V.—AUTOMOBILE INSURANCE PREMIUMS AND LOSSES, 1928— Continued. Name of Company. Net Premiums written. Net Premiums earned. Net Losses incurred. Ratio Losses inc. to Prem. earned. Brought forward.. London & Lancashire Insurance Co London & Provincial Marine & General Ins. Co.... London & Scottish Assurance Corporation London Assurance Corporation London-Canada Insurance Co London Guarantee & Accident Co Lumbermen's Mutual Casualty Co Marine Insurance Co., Ltd Maryland Casualty Co Merchants Casualty Insurance Co Merchants Marine Insurance Co Mercury Insurance Co Minnesota Implement Mutual Fire Insurance Co.. Motor Union Insurance Co Mount Royal Assurance Co National Ben Franklin Fire Insurance Co National Fire Insurance Co. of Hartford National Union Fire Insurance Co Newark Fire Insurance Co New Jersey Insurance Co New York Underwriters Insurance Co Niagara Fire Insurance Co North British and Mercantile Insurance Co., Ltd.. Northern Assurance Co Northwestern Mutual Fire Association Northwestern National Insurance Co Norwich Union Fire Insurance Society Occidental Fire Insurance Co Ocean Accident & Guarantee Corporation Ohio Farmers Insurance Co Pacific Coast Fire Insurance Co Palatine Insurance Co Phoenix Assurance Co., Ltd Phoenix Insurance Co. of Hartford Preferred Accident Insurance Co Provincial Insurance Co Prudential Assurance Co., Ltd , Queen Insurance Co Railway Passengers Assurance Co Retail Hardware Mutual Fire Insurance Co Royal Exchange Assurance Royal Insurance Co , St. Paul Fire & Marine Insurance Co St. Paul Mercury Indemnity Co. of St. Paul Scottish Metropolitan Assurance Co Scottish Union & National Insurance Co. Sun Insurance Office , Toronto Casualty, Fire & Marine Insurance Co.... Trans Canada Insurance Co Travelers Indemnity Co Union Assurance Society Union Insurance Society of Canton Union Marine Insurance Co , United British Insurance Co United States Fidelity & Guaranty Co United States Fire Insurance Co Western .Assurance Co World Fire and Marine Insurance Co World Marine & General Insurance Co Yorkshire Insurance Co Zurich General Accident and Liability Ins. Co Totals $628,823.36 4,042.65 7,621.32 302.85 1,129.81 3,678.77 48,869.51 7,200.42 NU 959.67 65,432.17 2,414.33 wa 2.28 27,231.47 35,063.47 1,242.61 Nil NU 807.00 13,469.91 NU 120.36 6,194.95 16,241.28 37,576.70 11,279.74 19,956.35 12,370.40 37,059.91 1,148.33 10,852.83 6,875.89 48,672.81 5.50 7,049.29 9,685.24 Nil 47,318.00 26,148.46 2.28 41,047.78 96,653.00 8,906.22 1,132.43 7,078.00 12,539.47 48,337.05 30,685.01 14,397.93 8,605.45 6,663.70 39,053.08 Nil 5,784.53 1,521.53 3,814.32 5,468.34 Nil 7,025.65 14,074.87 61,679.95 $1,501,318.29 $573,030.84 3,812.37 6,967.14 253.91 2,824.11 2,360.78 44,200.S7 10,888.51 NU 1,320.16 85,827.25 3,003.28 Nil 1.38 25,422.21 39,159.25 741.47 Nil Nil 669.99 15,586.58 NU 443.67 5,199.93 15,999.61 36,655.51 7,620.70 19,010.25 10,387.40 34,826.04 757.67 9,957.41 6,312.75 42,140.82 5.54 7,234.26 7,188.27 Nil 43,763.84 28,917.84 1.38 34,004.85 70,719.60 9,293.68 777.94 6,788.78 10,510.00 46,133.11 29,627.72 8,982.8 7,667.19 6,754.90 41,613.58 Nil 8,376.97 1,501.56 3,293.25 " 14,453.08 4.52 6,186.55 12,858.70 58,080.70 $1,409,112.54 $346,080.80 I 5,461.27 4,250.29 572.00 2,269.93 1,007.15 23,552.10 3,086.57 Nil 1,118.93 69,888.56 267.90 Nil NU 8,240.34 34,017.02 99.85 Nil Nil 323.50 10,901.99 Nil 67.77 2,447.87 5,852.64 15,767.64 5,134.90 13,759.02 7,127.75 21,300.24 NU 10,049.62 10,235.88 22,630.31 Nil 10,758.40 2,985.01 Wil 42,610.27 16,320.49 Wil 20,400.67 49,381.03 3,426.48 NU 2,006.09 7,913.83 31,530.52 18,405.11 3,460.18 5,023.65 3,684.46 23,592.00 NU 1,152.71 57.90 2,004.63 10,175.44 Nil 2,022.10 3,982.67 28,506.01 143.25 61.00 225.28 80.30 42.66 53.20 0.28 Nil 85.00 81.60 8.92 Nil NU 32.50 86.87 13.46 Nil Nil 48.28 69.94 Nil 15.27 47.08 36.58 43.02 67.38 72.37 68.26 61.16 NU 100.01 162.15 53.70 NU 148.06 41.53 NU 97.36 56.44 NU 60.17 69.82 37.00 NU 29.55 75.30 68.35 62.12 38.52 65.52 54.53 56.69 Nil 13.76 3.86 60.87 70.40 Nil 32.69 30.97 49.18 $914,911.58| 62.30 I M 40 BRITISH COLUMBIA. TABLE VI.—SUMMARY OF AUTOMOBILE INSURANCE. Year. Net Premiums written. Net Premiums earned. Net Losses incurred. Ratio Losses Incurred to Premiums earned. 1924 $736,000 884,000 1,106,000 1,320,000 1,561,000 $261,000 325,000 518,000 770,000 915,000 1925 1926 1927 $1,244,000 1,470,000 58 03 1928 62 30 TABLE VII.—PREMIUMS AND LOSSES FOR INSURANCE OTHER THAN LIFE, FIRE, AND AUTOMOBILE, 1928. M 41 ' Name of Company. Accident. Sickness. Liability. Burglary. Guarantee. Plate Glass. HJARINE. 1 Blanket Residents, Boiler and Machinery, Credit, Earthquake, Explosion, Forgery, Fraud-, Hail, Inland Transportation, Live Stock, Merchants' Protective, Property, Sprinkler Leakage, Tornado, Use and Occupancy, and Weather. (Indicated by Initial letters.) Total Premiums. Total Losses. Unsettled Claims. Premiums. Losses. Premiums. Losses. Premiums. Losses. Premiums. Losses. Premiums. Losses. Premiums. Losses. Premiums Losses. Premiums. Losses. Nil $2,922.76 NU 11.277.22 5,140.52 Wil 7,871.07 13,031.27 758.08 3,469.53 NU 1,086.94 NU 16,744.79 5,417.41 2,680.94 Nil 23,659.33 1,039.02 Nil Wil 18,563.10 • 23,330.08 Nil 155.87 85.96 33.103.45 38,671.77 244.72 423.78 6,991.06 1,820.07 Nil . Nil NU 1,145.42 Nil 95,920.93 1,134.18 Nil 64,531.19 2,911.14 Nil 25,909.62 Nil 7,738.47 1,435.78 2,256.69 86,828.23 NU 624.81 wa 40,262.20 2,055.38 468.74 295.21 55.11 72,651.80 12,633.30 1,373.24 13,122.14 3,465.72 NU 9,785.14 4,431.21 20,114.52 246,498.18 Nil 15,632.85 830.01 3,005.90 74,468.96 NU 3,802.41 18,760.15 Nil 20,989.28 1,687.20 11,495.68 179.42 8,849.82 26.782.67 NU 25,778.49 Nil 1,964.45 7,555.73 14,028.24 48,463.18 NU 10,203.78 NU 907.74 2,591.63 Nil 620.66 9,724.65 Nil NU NU Nil NU 266.92 64.223.6S 15,367.49 Nil 14,464.98 4.88 Nil 23,431.46 1,025.25 NU NU 31.13 250.00 36,049.10 NU 40.25 Nil 53,464.74 6,379.19 17,118.06 4,151.63 Nil 1,489.23 93,565.83 3,190.63 19,201.57 2,527.75 NU 21,052.79 1,684.06 7,899.35 6,161.75 3.40 9,311.64 72,687.80 2,455.52 44,721.96 12,635.82 Nil 27,457.34 15,645.39 39,686.37 NU 2,505.22 41,500.00 22,758.96 180.00 17,102.08 51,557.15 18,079.78 2,429.81 NU $507.27 Nil 2,897.51 1,631.74 Nil Nil 300.42 536.53 1,335.02 Nil Nil NU 15.467.31 NU 709.36 Nil 10,272.59 123.33 Nil NU 12,155.11 8,241.92 Nil Nil 22.50 2,059.08 4,418.38 Nil 50.00 2,638.12 7.81 Nil NU NU 598.90 Nil 49,826.24 22.39 Nil 20,321.73 19,567.37 Nil 4,780.65 Nil 1,946.82 11.56 19.17 45,664.37 Wil 947.25 Nil 15,447.67 574.37 39.20 60.00 44.25 55,831.55 5,589.84 657.56 17.50 128.71 NU 1,554.72 63.80 5,381.71 169,598.27 Nil 3,030.43 17.66 959.32 23,932.17 NU 1,110.81 6,195.92 Nil 6,230.75 3,555.34 569.80 15.37 2,303.63 9,909.30 Nil 16,339.39 NU NU 3,063.50 2,068.22 19,352.11 NU 6,167.00 NU 295.00 1,027.05 NU 276.54 1,786.77 Nil Nil Nil NU NU 4.07 24,610.86 8,644.13 Nil 5,588.20 Nil Wil 7,678.58 44.92 Wil NU 119.43 NU 19,406.22 NU Nil NU 40,524.23 3,089.08 3,332.65 7,879.05 NU 100.00 10,517.29 2,275.18 7,961.91 4,901.16 Nil 5,874.53 296.78 3,084.59 445.60 Nil 2,276.03 72,424.32 16,327.92 29,908.23 7,226.47 Nil 8,628.11 2,277.16 34,849.74 Nil 343.06 23,530.83 12,937.54 Nil 18,322.86 32,340.09 2,495.28 808.34 NU Nil NU $105.00 330.00 Nil NU 10.11 237.00 Nil Nil 795.85 NU 4,947.00 Wil 168.00 NU NU 720.00 Nil Nil NU 2,938.00 Nil Nil Nil 262.00 1.00 Nil Nil Nil Nil Nil Nil Nil 56.25 Nil 17,992.53 NU Nil 9,941.11 NU Nil 2,145.00 Wil 800.00 Nil 9.00 12,182.33 Nil Nil Nil 5,685.80 100.00 NU NU Nil 4.82 6,274.00 3.00 NU' 950.00 Nil 4,027.40 NU 982.55 Nil Nil 2,805.00 Nil Nil 25,952.00 Nil 1,060.00 6,318.00 NU 2,310.00 Nil 350.00 Nil Nil • 2,695.00 NU 3,724.00 NU NU 39,464.00 1,260.27 8,369.90 Nil 2,515.53 NU NU NU Nil 380.07 1.00 Nil Nil Nil NU NU Nil 9,499.53 975.00 Nil 1,785.00 NU NU 5,365.00 NU Nil Nil 53.57 4,053.35 3,576.68 Nil Nil NU 19,570.82 NU 445.00 NU Nil Nil 1,415.00 365.36 156.02 914.00 Nil 696.74 NU 268.77 4,263.67 Nil 125.39 16,669.71 11,250.00 2,615.00 2,701.00 Nil 5,856.28 '2,877.00 NU Nil 580.00 14,074.00 2,134.76 NU 4,950.00 Nil 275.00 Nil 1 Nil NU J Prop. $1,147.94 I I.T. 1,774.82 $294.66 1 212.61 i 2 3 $1,498.31 $1,318.77 $1,234.63 $961.30 $719.35 $4.00 $2,870.26 $572.55 $765.45 Nil $12.30 Nil $4,176.92 $40.89 4,654.20 1,631.74 4 D. &0. 486.32 NU 6 Cr. 7,871.07 Nil 13,031.27[ 300.42 8 468.74 87.66 140.61 52.37 105.85 396.50 42.88 Nil 9 705. 34 141.75 I.T. 2,763.69 1,193.27 10 11 ■ B.&M. 1,086.94 Nil 12 Nil 1 NU 9,364.051 6,026.95 5,417.41 Nil 13 2,497.06 6,250.11 835.44 1,519.04 755.44 570.00 243.74 145.52 498.53 $883.77 21S.57 $52.76 I.T. 2,331.96 19.16 14 15 1,382.50 321.78 651.84 53.33 38.20 Nil 198.40 248.25 298.00 NU 112.00 86.00 16 17 23,659.33 10,272.59 IS 650.81 95.00 265.21 28.33 44.90 Nil 78.10 NU 19 [ 20 21. The British Oak Insurance Co., Ltd : 21 18,563. 10 12,155.11 22 11,255.29 5,772.24 4,041.16 1,489.69 3,115.3S 78.08 1,050.93 28.00 2,502.31 301.78 . 1,365.01 572.13 23 24 * 155.87 82.21 1,502.26 497.38 Nil 22.50 273.24 66.49 25 L.S. 3.75 I.T. 28.17 For. 184.65 NU Nil 38.38 26 8,249.15 3,154.12 820.84 67.53 3,059.86 2,570.23 , 965.00 241.77 20,264.01 32,265.39 Nil 4,004.21 27 28. The Canadian Surety Co. . 28 244. .2 Nil 29 344.28 2,497.39 50.00 850.07 54.93 649.50 Nil 52.52 24.57 266.06 Nil 01.70 30 81. The Casualty Co. of Canada 796.47 87.50 300.74 Nil 2,480.40 282.53 1,596.33 7.20 31 1,537.54 .61 NU Nil 32 33. The China Fire Insurance Co., Ltd. 33 34 35 760.72 425.49 206.70 173.41 98.71 NU 10.69 NU I.T. 68.60 Nil 36 37 46,319.00 27,935.60 47,696.05 21,634.53 569.03 37.80 10.12 Nil 1,326.73 218.31 38 Nil Nil J Tor. 4.40 1 I.T. 1,129.78 Nil I 22.39 J 39 40 33,780.39 14,265.42 21,174.25 5,369.11 3,022.14 27.40 2,745.02 76.95 2,399.77 NU 1,089.00 822.04 582.85 649.51 J B. & M. 175.92 t I.T. 144.70 NU \ Nil i 41 42. The Eagle Star & British Dominions Ins. Co., Ltd. 2,089. 10 18,917.86 42 43 44. Employers Liability Assurance Corporation, Ltd... 45. The Fidelity & Casualty Co of New York, N.Y. 5,959.43 673.68 2,326.86 1,014.22 9,672.82 1,192.12 5,276.25 55.45 2,148.87 1,645.22 188.73 199.96 < B. & M. 307.71 I For. 28.95 NU \ Nil i 44 45 265.31 15.00 186.52 Wil 857.12 699.85 2,795.01 1,203.64 3,411.42 28.33 223.09 NU 46 S Ex. 25.00 I I.T. 1,410.78 I.T. 2,256.69 I.T. 65.72 Nil I 11.56 ; 19.17 11,765.58 47 48 86,762. Nil 511 33,898.79 J Nil 49 50 I.T. 624.81 947.25 51 52. The Franklin Fire Ins. Co. of Philadelphia, Pa. Nil NU 52 I *515.09 1 11,806.70 713.01 158.00 1,831.95 3,334.81 267.00 Nil j 7,542.47 245.00 83.50 2,595.37 68.57 Nil 12,003.42 355.03 6.00 3,970.48 Nil Nil 3,891.73 486.80 182.50 3,153.52 80.25 Nil 2,411.27 Nil 951.64 255.54 38.74 295.21 457.92 158.55 39.20 60.00 B. & M. 1,139.88 103.62 53 54. General Accident Fire & Life Assur. Corpn., Ltd... 55. General Casualty Insurance Co., Paris, France 54 56 S I.T. 53.20 ( Prop. 1.91 ] I.T. 923.12 I Earth. 7,675.00 44.25 I Nil i 128.96 I NU I 64,053. 58 55,702.59 58 6,275.20 3,642.84 3,917.21 1,502.98 841.19 25.00 914.15 404.85 685.55 Nil Nil 14.17 59 1,368.1 4 411.06 I.T. 5.00 246.50 60 13,122.14 86.69 17.50 Nil 61 451.14 34.61 372.53 16.80 627.20 NU 1,816.02 70.50 78.14 6.80 I.T. 34.00 NU 62 63 243.22 Nil 90.00 25.00 6,732.17 905.00 531.09 96.35 695.36 NU 1,493.30 528.37 64 f I.T. 4,108.67 J Prop. 5.90 [Weather 226.64 63.80 ] NU \ Nil J 65 ♦20,114.52 5,381.71 66 246,351. )0 169,598.27 J I.T. 62.94 \ Weather 84.24 NU \ Nil J 67 68 9,664.62 324.93 1.410.12 17.66 4,130.63 136.97 1,620.31 NU 110.25 Wil 571.89 NU 896.76 368.11 NU NU 258.70 NU 69 3,005. 72,915. NU )0 959.32 36 23,932.17 NU f Tor. 7.05 J Spr. L. 144.97 (.U. &0. 1,401.08 NU 1 Nil [• NU J 72 73 1,585.73 8,093.38 814.40 3,696.61 602.72 5,684.34 189.66 1,794.68 299.48 2,317.66 63.00 NU 509.05 1,079.83 43.75 621.20 548.85 855.66 Nil NU 256.58 729.28 NU 83.43 74 70 76 6,621.26 1,933.30 3,703.43 1,211.59 3,350.64 1,148.07 . 2,984.61 1,355.05 2,821.50 93.75 1,507.84 488.99 77 1,687.. 2,941.1 >0 3,555.34 )2 . 51.08 78 ♦8,102.10 40.19 518.72 NU 55.00 Nil 224.30 75.50 Nil Nil 112.50 NU 59.86 63.73 Nil 15.37 79 80. The London & Scottish Assur. Corporation, Ltd, 80 8,849.f 52 2,303.63 81 S *4,155.61 \ 5,760.72 1,537.31 4,278.59 I J 2,814.36 808.85 11,130.67 3,279.55 712.88 Nil 1,944.25 5.00 201.93 Nil I.T. 62.25 Nil 82 83 ♦25,778.49 16,339.39 85 Nil 7,555.7 Nil 3 3,063.50 I.T. 1,964.45 NU 86 87 2,008.58 ♦48,463.18 296.18 19,352.11 872.20 541.65 1,210.91 NU 3,580.71 379.68 3,184.29 541.55 573.25 43.58 j Spr. L. 2,186.88 \ B. & M. 411.42 265.58 I NU i 88 89 j ♦6,022.13 I 2,854.63 3,947.00 684.00 J 1,327.02 1,536.00 92 740.00 295.00 38.75 Nil 128.99 2,591.63 Nil 1,027.05 NU i Nil 93 94 Nil ' Nil 95 620.66 276.54 96 503.64 NU 6,055.99 67.93 f Fraud 1,041.95 J For. 1,977.20 ] Cr. 107.95 I.M.P. 137.92 886.97 ] 709.67 L 79.20 r 43.00 J 97 98 NU 1 'Su 99 100 NU NU 266.! 59,767., 3,108.( 1 Nil | NU 2 4.07 8 24,036.44 .2 4,337.84 101 102 103 1'04. North British & Mercantile Insurance Co., Ltd 642.15 1,217.94 234.35 223.19 363.67 750.76 138.32 939.34 609.38 3,734.35 Nil 1,637.90 1,712.73 2,570.00 188.75 1,191.33 791.57 3,418.48 Nil Nil 236.05 567.34 NU 314.53 I.T. 100.25 13.00 104 105 106 5,740.09 4.88 2,054.84 Wil 2,741.64 1,713.04 2,863.18 959.65 887.07 295.22 621.58 75.25 1,270.35 471.25 I.T. 341.07 18.95 108 1 109 110. The Ocean Accident & Guarantee Corpn., Ltd. 10,394.00 5,250.33 2,220.70 635.95 1,641.64 40.00 1,832.49 631.76 798.50 Nil 2,148.42 1,120.54 B.&M. 4,395.71 NU 1,025. 5J 44.92 111 112 113 * Nil 119.43 Spr. L. 31.13 NU 250.00 ♦36,049.10 NU 19,406.22 115 116 40.25 NU 118 t 119 53,267.4 6,379.1 2j 40,524.23 9 3,089.08 I.T. 197.32 NU 121 122. Railway Passengers Assurance Co 5,877.85 1,036.09 3,053.28 1,270.75 2,942.10 121.40 1,457.52 149.15 1,535.98 Nil 2,154.53 743.01 I.T. 96.80 12.25 4,151.1 3 7,879.05 123 124 ♦897.47 22,733.99 100.00 2,349.16 226.91 3,065.40 NU 694.25 213.19 33,989.26 Nil 3,012.70 151.66 9,639.35 Nil 25.00 125 22,867.92 4,225.12 508.62 3,190.63 165.79 2,275.18 761.] 9 45.27 126 127 8,293.j 31-1 0 6,033.29 6 3,818.05 I.T. 10,907.67 I.T. 13.38 1,928.62 Nil 128 1,010.08 111.93 850.94 764.18 600.77 207.00 21.12 NU 129 130 20,778i 7 5,874.25 ..| I.T. 274.42 .28 131 707.31 159.80 259.43 47.62 21.73 2.00 143.27 Nil 25.00 Nil 527.32 87.36 132 7,899.. Nil 5 3,084.59 NU 133 134. Toronto Casualty, Fire & Marine Insurance Co 223.21 NU 28.99 23.08 3.867.68 15.00 360.55 Nil 301.60 Nil 1,294.87 3.40 553.27 83.02 NU 243.10 B. Res. 84.85 324.50 134 135 6,918.84 1,975.51 B.&M. 1,839.53 57.42 38,300.89 1,519.56 8,674.22 32,602.30 812.91 11,783.05 32,723.09 213.14 10,063.90 39,493.61 44.41 4,985.84 1,663.82 46.08 1,478.27 328.41 15,443.35 208.10 137 563.06 27.25 113.68 Nil 138 24,505.1 12,635.! 7 12,931.24 2 7,226.47 139 1 140 141 566.55 210.00 420.83 191.92 2,891.29 159.62 3,727.94 7,041.25 18,800.05 908.25 624.36 117.07 For. 426.32 I.T. 8,232.27 Nil 2,277.16 142 7,413.1 39,686.3 2 NU 7 34,849.74 143 144 145 2,502.1 23,132.: 8 343.06 6 11,446.89 Tor. 2.54 I.T. 5,048.95 Nil 38.33 146 6,977.34 ♦22,758.96 8,154.00 12,937.54 434.60 1,223.88 1,399.20 37.25 1,653.23 1,391.63 1,832.25 1,052.28 1,022.27 186.57 147 148 Prop. 180.00 Nil 149 168.75 11.67 62.40 Wil 425.85 599.70 1,073.15 1,055.83 403.34 NU 120.75 3.75 14,847.1 51,557.. 4 16,651.91 5 32,340.09 150 151 J ♦9,696.82 I 2,375.20 650.58 1,318.20 686.05 wa ; 1,416.80 1,381.68 NU 56.96 2,124.59 254.27 15.00 751.38 1,838.43 Nil 423.77 35.18 476.03 Nil L.S. 204.17 NU 152 153. Zurich General Accident & Liability Ins. Co., Ltd. 108.10 NU 153 $455,608.60 $227,115.76 $188,149.47 $99,956.37 $99,949.13 $33,847.51 $99,379.21| 1 $27,556.54 $138,801.20 $9,649.82 $58,991.97 $24,087.04 $897,288.C 0| $549,157.75 J $80,052.37 $21,766.09 $2,018,219.95 $991,350.12 $286,283.17 * Accident and Sickness. BEPORT OF THE SUPERINTENDENT OP INSURANCE, 1928. M 43 TABLE VIIL—SUMMARY FOR CLASSES OF INSURANCE OTHER THAN LIFE, FIRE, AND AUTOMOBILE. 1924. 1925. 1926. 1927. 1928 $3S3,000 178,000 156,000 80.000 61,000 8,000 449,000 289,000 251,000 130,000 $424,000 196,000 159,000 95,000 67,000 27,000 750,000 420,000 252,000 133,000 $439,000 199,000 175,000 101,000 80,000 11,000 607,000 387,000 240,000 54,000 $429,000 218,000 183,000 117,000 106,000 26,000 762,000 515,000 285,000 181,000 $456,000 227,000 L Sickness, P „ L 188,000 100,000 Liability, P 100,000 L 34,000 898,000 L. 549,000 Other forms, P L 377,000 83,000 TABLE IX.—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, pages 33, 34.) Name of Company. Mortgages. In other Securities. American Automobile Fire Insurance Co American Central Insurance Co The Anglo-Scottish General Commercial Insurance Co., Ltd Beaver Fire Insurance Co Boiler Inspection & Insurance Co British America Assurance Co British Colonial Fire Insurance Co British Columbia Plate Glass Insurance Co British Crown Assurance Corporation, Ltd British Empire Assurance Co British Northwestern Fire Insurance Co Caledonian Insurance Co Canada Accident & Fire Assurance Co Canada National Fire Insurance Co Canadian Indemnity Co Canadian Surety Co Century Insurance Co., Ltd Continental Casualty Co Dominion Fire Insurance Co Dominion of Canada Guarantee & Accident Insurance Co. .. Ensign Insurance Co : Fidelity Insurance Co. of Canada Fire Association of Philadelphia Fouciere Fire Insurance Co General Accident .Vssurance Co. of Canada General Accident Fire & Life Assurance Corporation, Ltd. Glens Falls Insurance Co Globe Indemnity Co. of Canada Guarantee Co. of North America *. Guardian Insurance Co. of Canada Hartford Accident & Indemnity Co Hartford Fire Insurance Co Home insurance Co. of Canada Hudson Bay Insurance Co Imperial Insurance Office Insurance Co. of State of Pennsylvania Carried forward NU NU Nil $8,296.71 Nil Nil NU Nil NU NU NU 357,823.50 NU 193,040.78 NU NU Nil Nil 7,948.67 75,315.00 Nil Nil NU NU Nil Nil Nil Nil NU Nil Nil NU 1,025.00 Nil 31,216.32 Nil $674,665.98 $30,000.00 81,320.40 20,000.00 Nil 19,000.00 25,000.00* 29,296.37* 5,960.00* 103,988.82* 20,000.00* 7,500.00* 47,403.34 38,650.00 20,132.91 58,633.33 42,733.33* 50,333.33* 15,000.00* 40,000.00* 115,549.39 10,000.00 25,000.00* 4,720.67* 20,000.00 27,837.06 25,338.06t 28,600.00 5,000.00 24,250.00* 39,333.33*. 100,000.00 50,000.00 Nil 79,032.13f 30,434.75 17,473.33 $1,257,520.55 » Par. 4 t Book value. Market value. M 44 BRITISH COLUMBIA. TABLE IX.—INVESTMENTS IN BRITISH COLUMBIA OF COMPANIES OTHER THAN LIFE INSURANCE COMPANIES—Continued. Name of Company. Mortgages. In other Securities. Brought forward Law, Union & Rock Insurance Co., Ltd London & Lancashire Insurance Co., Ltd London-Canada Insurance Co London Guarantee & Accident Co., Ltd Loyal Protective Insurance Co Maryland Casualty Co Mercantile Fire Insurance Co Merchants Casualty Insurance Co Mercury Insurance Co Minnesota Implement Mutual Fire Insurance Co. ... National Ben Franklin Fire Insurance Co National Union Fire Insurance Co New Jersey Insurance Co North British & Mercantile Insurance Co., Ltd North Empire Fire Insurance Co Northern Assurance Co., Ltd North River Insurance Co Northwestern Mutual Fire Association Northwestern National Insurance Co Norwich Union Fire Insurance Society, Ltd Occidental Fire Insurance Co Pacific Coast Fire Insurance Co Protective Association of Canada Quebec Fire Assurance Co Retail Hardware Mutual Fire Insurance Co Royal Plate Glass Insurance Co. of Canada Toronto Casualty Fire & Marine Insurance Co., Ltd Union Insurance Society of Canton, Ltd Western Casualty Co Yorkshire Insurance Co., Ltd Totals $674,665.98 . Nil NU Nil ■ Nil Nil Nil Nil Nil Nil Nil Nil Nil Nil 195,000.00 NU Nil Nil Nil Nil Nil 830.00 246,635.31* NU Nil NU 17,600.00 Nil Nil Nil 244,500.00 $1,257,520.55 30,000.00 68,133.33 14,500.00 241,216.31 10,000.00* 44,733.33 9,733.33* 10,000.00 100,000.00 1,300.00 45,220.00* 25,000.00 15,000.00 122,000.00 36,238.50 25,000.00 80,000.00* 33,000.00 54,506.67 119,000.00* 30,000.00 327,2S9.66t 10,000.00 17,520.00 1,625.00 Nil 10,000.00 50,000.00 Nil 420,000.00 $1,379,231.29 $3,208,536.68 Par. t Book value. Short title. Amends s. 134. Amends s. 142. Repeals and re-enacts s. 143. Repeals and re-enacts s. 145. Limitation of liability clause. CHAPTER 33, 1929. 1. This Act may be cited as the " Insurance Act Amendment Act, 1929." 2. Subsection (2) of section 134 of the "Insurance Act," being chapter 20 of the Statutes of 1925, as enacted by section 4 of chapter 35 of the Statutes of 1926-27, is amended by striking out in the twelfth line the word " termination," and substituting therefor the word " commencement." 3. Section 142 of said chapter 20 is amended by adding after the word " insured," in the fifth line, the words " nor shall anything contained in the description of the subject-matter of the insurance be effective in so far as it is inconsistent with, varies, modifies, or avoids any such statutory condition." 4. Section 143 of said chapter 20 is repealed, and the following is substituted therefor:— " 143. Where the subject-matter of the insurance is exclusively rents, charges, or loss of profits, the statutory conditions shall not be required to be part of any such contract or to be printed thereon." 5. Section 145 of said chapter 20 is repealed, and the following is substituted therefor:— " 145. A policy may contain a limitation of liability clause (or clauses) to the effect that the insurer shall only be liable for a specified proportion of any loss which may be sustained to any of the property covered by the policy, or to the effect that the insurer shall not be liable for more than a specified percentage of the value of any of the said property at the time of such loss, or, in the event of there being any other insurance covering any of the said property, to the effect that the insurer shall only be liable for a rateable proportion of a specified percentage or proportion of any loss to any of the said property, or to the effect that the insurer shall not be liable for more than a rateable proportion of a specified percentage of the value of any of the property at time of such loss, in which case there shall be printed or stamped on the face of the policy in conspicuous type and in red ink the words ' This policy contains a limitation of liability clause.' Such clause (or clauses) shall not be deemed to be a variation of any statutory condition." 6. Subsection (4) of section 152 of said chapter 20 is amended by inserting Amends s. 152 (4). after the word " application," in the first line, the words " and policy." VICTORIA, B.C. : Printed by Charles F. Banfield, Printer to the King's Most Excellent Majesty. 1929. 1,52'5-S'29-6911
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EIGHTEENTH ANNUAL REPORT OF THE SUPERINTENDENT OF INSURANCE FOR THE PROVINCE OF BRITISH COLUMBIA 1929… British Columbia. Legislative Assembly [1930]
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Title | EIGHTEENTH ANNUAL REPORT OF THE SUPERINTENDENT OF INSURANCE FOR THE PROVINCE OF BRITISH COLUMBIA 1929 (BUSINESS TRANSACTED IN 1928) |
Alternate Title | REPORT OF THE SUPERINTENDENT OF INSURANCE, 1928. |
Creator |
British Columbia. Legislative Assembly |
Publisher | Victoria, BC : Government Printer |
Date Issued | [1930] |
Extent | Foldout Table: TABLE VII.- PREMIUMS AND LOSSES FOR INSURANCE OTHER THAN LIFE, FIRE, AND AUTOMOBILE, 1928. -- p.M41 |
Genre |
Legislative proceedings |
Type |
Text |
FileFormat | application/pdf |
Language | English |
Identifier | J110.L5 S7 1930_V01_14_M1_M45 |
Collection |
Sessional Papers of the Province of British Columbia |
Source | Original Format: Legislative Assembly of British Columbia. Library. Sessional Papers of the Province of British Columbia |
Date Available | 2016-03-07 |
Provider | Vancouver : University of British Columbia Library |
Rights | Images provided for research and reference use only. For permission to publish, copy or otherwise distribute these images please contact the Legislative Library of British Columbia |
CatalogueRecord | http://resolve.library.ubc.ca/cgi-bin/catsearch?bid=1198198 |
DOI | 10.14288/1.0300552 |
AggregatedSourceRepository | CONTENTdm |
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