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TWELFTH ANNUAL REPORT OF THE SUPERINTENDENT OF INSURANCE FOR THE PROVINCE OF BRITISH COLUMBIA 1923 (BUSINESS… British Columbia. Legislative Assembly 1923

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 TWELFTH ANNUAL REPORT
OF   THE
SUPERINTENDENT OF INSURANCE
PROVINCE OF BRITISH COLUMBIA
1923
(BUSINESS TRANSACTED IN 1922)
PRINTED   by
AUTHORITY OF THE LEGISLATIVE ASSEMBLY.
VICTORIA,  B.C.:
rriuted by William H. Ciillin, Printer to the King's Most Excellent Majesty.
1923.
  To His Honour Walter Cameron Nichol,
Lieutenant-Governor of the Province of British Columbia.
May it please Your Honour :
The undersigned has the honour to present the Twelfth Annual Report of the
Superintendent of Insurance for the year ended December 31st, 1922.
A. M. MANSON,
Attorney-General.
Victoria, B.C., August 1st, 1923.
  REPORT OF THE
SUPERINTENDENT OF INSURANCE.
Department op Insurance,
Victoria, B.C., August 1st, 1923.
The Rononraole A. M. Manson,
Attorney-General, Victoria, B.C.
Sir,—The Twelfth Annual Report of the Department, covering the year ended December
31st, 1922, is hereby submitted in accordance with the " British Columbia Fire Insurance Act"
and " Insurance Act."
I.   "BRITISH COLUMBIA FIRE  INSURANCE  ACT."
The year 1922 closed with a further increase in the number of companies licensed under
this Act for fire insurance.   The total was 143, of which only one holds a Dominion licence.
There were nine new companies licensed, as follows:—
British.—The British Oak Insurance Company, Limited; The Cornhill Insurance Company,
Limited; United British Insurance Company, Limited.
Canadian.—Ensign Insurance Company; Dominion Gresham Guarantee & Casualty Company
(already licensed under the "Insurance Act").
United States.—The American Insurance Company; The Franklin Fire Insurance Company
of Philadelphia; Security Insurance Company of New Haven, Connecticut.
Switzerland.—The Baloise Fire Insurance Company.
Five companies withdrew during the year, namely:—
British.—National Benefit Assurance Company, Limited; The Traders & General Insurance
Association, Limited.
Canadian.—Pacific Marine Insurance Company; Union Fire & Casualty Company.
United States.—Vulcan Fire Insurance Company of Oakland, California.
A complete list of the companies licensed as at December 31st, 1922, is printed on pages
15 and 16, and the origin of the various companies is as follows:—
Dominion of Canada       31
Provinces Of Canada         7
Great Britain      44
Australia          1
Hong Kong         4
United States      51
France          4
Switzerland        1
Total     143
In comparison with the year 1921 the fire premiums have decreased slightly, statistics as
to which will be found on pages 19 and 20.
II.   "INSURANCE  ACT."
At the end of 1922 there were 148 companies licensed under this Act. Nine new companies
obtained licences, as follows:—
British.—Atlas Assurance Company, Limited; The Cornhill Insurance Company, Limited;
Sun Insurance Office.
Canadian.—Casualty Company of Canada; Fidelity Insurance Company of Canada; Imperial
Underwriters Corporation of Canada; Mount Royal Assurance Company; Policy Holders Mutual
Life Insurance Company.
United States.—Insurance Company of the State of Pennsylvania.
Five of these companies were already licensed under the " British Columbia Fire Insurance
Act."
 Y 6
British Columbia.
1923
In addition to these new licences, ten supplementary licences were issued to companies
already licensed under the Act.
Three companies withdrew from the Province, namely:—
British.—National Benefit Assurance Company, Limited.
Canadian.—Pacific Marine Insurance Company; Union Fire & Casualty Company.
The General Accident Fire & Life Assurance Corporation, Limited, which was authorized
to write automobile insurance (in addition to fire insurance), ceased to write this class of
business in the Province.
The National Provincial Plate Glass and General Insurance Comgany, Limited, changed its
name to the " National Provincial Insurance Company, Limited."
Summary.
Where incorporated.
Dominion
Licensees.
Provincial
Licensees.
Total.
43
2
32
1
o
48
2
2
10
1
2
1
2
2
43
4
32
1
1
4
1
50
Totals	
128
20
148
Statistics as to life and miscellaneous insurance business will be found on pages 23 and 25.
Also embodied is a report of the Fire Marshal, covering the year 1922, pursuant to the " Fire
Marshal Act," passed at the second session of the Legislature in 1921.
In August of last year the Superintendents of Insurance for the Provinces of Canada held
a conference in Vancouver, Ontario, Manitoba, Saskatchewan, and Alberta, in addition to our
own Province, being represented.
At that conference the Superintendents adopted the uniform " Automobile Insurance Policy
Act," and the uniform " Accident and Sickness Insurance Policy Act," and at the session of
our Legislature in 1922 the " Automobile Insurance Policy Act" was passed and brought into
force by Proclamation on July 1st, 1923. The " Accident and Sickness Insurance Policy Act"
was also passed, but has not yet been brought into force owing to our awaiting the other
Provinces to have similar Acts passed, which no doubt will be done at the approaching sessions
of their respective Legislatures, and it is hoped that the Acts will automatically come into
force in January, 1924.
Another matter dealt with at the conference was the uniform fire-insurance policy conditions
and the uniform life-insurance policy conditions, but while some progress was made, these
matters were laid over and will be fully discussed at the next conference to be held in
Winnipeg in October of this year.
At the last session of our Legislature, as you are aware, the " Insurance Agents' Licensing
Act" was enacted, and up to the present time it is working very well, and it is hoped that
as time goes on this legislation will prove its value to the agents themselves and the public
at large.
An amendment to the " British Columbia Fire Insurance Act" now makes it compulsory
for all underwriters' agencies to obtain a licence and furnish this Department with separate
annual reports of their transactions in the Province.
I have the honour to be,
Sir,
Your obedient servant,
J. P. DOUGHERTY,
Superintendent of Insurance.
 13 Geo. 5 Report of the Superintendent op Insurance. Y 7
APPENDIX.
Annual Statements of Provincial Licensees for the Year ended
December 31st, 1922.
BRITISH COLUMBIA PLATE  GLASS  INSURANCE  COMPANY.
Head Office—Vancouver, B.C.
Directors.
Walter E. Graveley. H. AV.  Chamberlain.
F. M. Chaldecott. W.  J.  Albutt.
A. G. Thynne.
Alfred Farmer, Secretary.
Amount  deposited  with  the   Government  of  British  Columbia:    Inscribed   Stock,   £200;
Township of Richmond bonds,  $5,000;  Dominion of Canada War  Loan bonds,  $1,000;  total
(par), $0,220.17.
Authorized  capital      $25,000
Amount subscribed          9,600
Amount paid up        3,840
Statement for the Year ended December 3.1st,  1922.
Assets.
Cash value (excluding interest and dividends) of stocks, shares, bonds, debentures, etc. $30,570 43
Cash on deposit to the Company's credit and not drawn against on December 31st, 1922     2,065 87
Premiums uncollected (net commissions deducted)        10,776 68
Interest due or accrued and unpaid   459 61
Amount of all other assets        5,802 82
Total assets    $49,675 41
Liabilities.
Total reserve of unearned premiums, $34,S56.0S; carried out at 80 per cent, thereof...  $27,884 86
Total amount of liabilities     $27,884 86
Capital stock paid up        3,840 00
Total of liabilities and paid-up capital    $31,724 86
Excess of assets over such total    17,950 55
Receipts.
Net cash received for premiums  ■  $34,578 86
Cash received for interest   965 26
Total receipts     $35,544 12
 Y 8
British Columbia.
1923
Expenditure.
Cash paid to agents for commission, salaries, and bonus  $12,224 51
„         for statutory assessment and licence fees  499 26
„    war  tax     229 98
„           „    salaries, directors' and auditors' fees    700 00
„           „    printing, stationery, and advertising   58 75
„           „    postage, telegrams, and express    30 00
„           „    other  expenditure     37 00
Total expenses of management   $13,779 50
Amount paid during the year for losses   10,583 02
Cash paid for dividends  960 00
Cash paid for debentures, mortgages, etc.  (not extended), $10,098.50.
Cash paid for other expenditure    80 61
Total expenditure     $25,403 73
List of Shareholders.
Name.
Residence.
No.  of
Shares.
Amount
subscribed.
Amount,
paid.
H. Bell-Irving ...
W. E. Graveley . .
A. McC. Creery . .
A. F. Beasley . . .
S. O. Richards . .
H. is. Chamberlain
H. C. Ackroyd . . .
E. Cbaiieson ....
W. J. Albutt	
R. Martin	
J   Rogers	
A. G. Thynne  . . .
A, Thynne	
V   M. Chaldecott
C. E. Hope   	
Blythe Estate . . .
E. A. Albutt	
Vancouver
Victoria ..
Vancouver
5
5
1
7
1
5
1
1
22
1
2
12
8
5
2
3
15
f 500
500
100
700
100
500
100
100
2,200
100
200
1,200
800
500
200
300
1,500
90
$9,600
$ 200
200
40
280
40
200
40
40
880
40
80
480
320
200
80
120
600
$3,840
THE POLICY  HOLDERS MUTUAL LrFE  INSURANCE  COMPANY.
Head Office—Toronto, Ontario.
Officers.
A. C. Pratt, President. J. M. Faircloth, Vice-President.
A. M. Feafherston, Secretary-Treasurer.
Amount deposited with the Government of British Columbia:   City of New Westminster
bonds, $20,000; Corporation of West Vancouver bonds, $6,000; Town of Kenora bonds, $639.35;
total (par), $26,639.35.
Authorized capital   $150,000
Amount subscribed     112,900
Called capital         86,560
Amount paid up in cash       74,260
Statement for the Year ended December 31st, 1922.
Assets.
Cash value of real estate, less encumbrances  $129,549 75
Cash value (excluding interest and dividends) of stocks, shares, bonds, debentures,
etc     202,164 79
 13 Geo. 5 Report op the Superintendent op Insurance. Y 9
Loans, other than those secured by mortgage    $ 95,010 42
Cash on hand at Head Office   23,552 36
Cash on deposit to the Company's credit and not drawn a.gainst on December 31st,
1922     31,401 24
Agents' balances   4,360 03
Interest due or accrued and unpaid  7,629 01
Premiums outstanding in course of collection   52,697 20
Amount of all other assets  .'  20,495 50
Office furniture and motor-cars (not extended), $2,521.53.
Total assets    $566,860 30
Liabilities.
Reinsurance reserve for life-insurance contracts in force    $524,500 00
Amount of all other liabilities  214 47
Total amount of liabilities     $524,714 47
Capital stock paid up in cash       74,260 00
Total amount of liabilities and paid-up capital   $598,974 47
Excess of liabilities over assets     $ 31,114 17
Receipts.
Net premiums received in cash    $195,284 38
Cash received from interest and dividends       24,743 13
Cash from all other sources        16,555 00
Cash  received  for  debentures,   mortgages,   and   other   securities   (not  extended),
$51,028.54.
Total cash receipts      $236,582 51
Expenditure.
Cash paid to agents for commission, salaries, and bonus    $ 35,842 55
for law costs  	
„ medical examiners'  fees   	
,, interest, discount, and exchange 	
,, statutory assessment and licence fees 	
„ licence fees, etc., other Provinces	
„ travelling e.xpenses  	
,, rent	
„ taxes 	
„ salaries, directors' and auditors' fees 	
„ printing, stationery, and advertising	
„ „ postage, telegrams, and express 	
„ „ other expenses   	
Total expenses of management   $ 69,185 84
Cash paid for losses or claims   22,987 00
„           „    reinsurance     28,858 30
„           „    matured endowment    2,000 00
„ ,,    loans on policies (not extended), $29,136 01.
„ „    debentures, mortgages, etc.  (not extended), $105,952.
„           „    other expenditure  2,964 13
26
00
3,235
00
49 29
185
12
875
00
2,790
45
3,278
73
3,081
22
11,825
25
2,334 96
725
60
4,936
61
Total expenditure   $125,667 32
 Y 10 British Columbia. 1923
Returns for British Columbia.
Deposit with Government:   City of New Westminster, $20,000; Corporation of West
Vancouver bonds, $6,000; Town of Kenora bonds, $639.35   $ 26,639 35
Assets (interest due or accrued, $99.87; premiums uncollected, $2,468.63)     2,568 50
Liabilities    4,252 00
Premiums received     980 37
Losses incurred   Nil.
Losses paid    -  "SU.
Net amount at risk  143,500 CO
ROYAL PLATE GLASS INSURANCE COMPANY OF CANADA.
Head Office—Vancouver, B.C.
Directors.
Dr. D. H. Wilson. R. W. Harris.
W. H. Malkin. A. P. Bogardus.
J. P. Nicolls. C. A. Wickens.
Edgar S. Smith, Secretary.
Amount deposited with the Government of British Columbia:   Deposit receipt of Canadian
Bank of Commerce, $125; Dominion War Loan bonds (par), $5,000; total, $5,125.
Authorized  capital     $25,000
Amount subscribed        10,000
Amount paid up        2,750
Statement for the Year ended December 31st, 1922.
Assets.
Cash value of mortgages, exclusive of interest   $ 6,250 00
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc.      7,060 73
Cash on hand at Head Office   392 21
Agents' balances and premiums uncollected        1,186 85
Interest due or accrued and unpaid  94 76
Commissions paid in advance          1,248 15
Total assets     $16,232 70
Liabilities.
Claims or losses adjusted, remaining unpaid   $        6 65
Reserve of unearned premiums        4,160 57
Amount of all other liabilities  14 54
Total amount of liabilities     $ 4,181 76
Capital stock paid up        2,750 00
Total amount of liabilities and paid-up capital    $ 6,931 76
Excess of assets over such total   $ 9,300 94
Receipts.
Cash received for premiums    $ 4,828 46
Cash received for interest   685 00
Total receipts     $ 5,513 46
 13 Geo. 5
Report of the Superintendent of Insurance.
Y 11
Expenditure.
Cash paid to agents for commission, salaries, and bonus  $ 1,509 95
„          for  interest,  discount,   and exchange    69
„           „    statutory assessment and licence fees   40 03
„    rent and taxes  112 28
„           „    salaries, directors' and auditors' fees   70 00
„           „    postage, telegrams, and express   29 62
Total expenses of management  $ 1,762 57
Amount paid for losses occurring prior to 1922   162 71
Amount paid for losses occurring during the year  1,379 36
Cash paid for debentures, mortgages, etc. (not extended), $2,000.
Total expenditure  $ 3,304 64
List of Shareholders.
Name.
Residence.
No*,  of
Shares.
Amount
subscribed.
Amount
paid.
A. P. Bogardus .
Dr. D. H. Wilson
R. W. 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	
Binghampton, U.S.A.  . .
10
14
14
14
5
12
1,000
1,400
1,400
1,400
800
800
500
1,200
500
500
500
$ 275 00
385 00
385 00
385 00
220 00
220 00
137 50
330 00
137 50
137 50
137 50
100
$10,000
$2,750 00
WAWANESA MUTUAL INSURANCE  COMPANY.
Head Office—Wawanesa, Man.
Directors.
S. H. Henderson. E. H. Dewart.
C. M, Vanstone. C. L. McDonald.
C. M. Vanstone, Secretary.
Amount deposited with the Government of British Columbia:   Dominion War Loan bonds
(par), $25,000.
Statement for the Year ended December 31st, 1922.
• Assets.
Cash value of real estate, less encumbrances     $     16,763 91
Cash value of bonds, debentures, etc  330,250 00
Cash on hand at Head Office  6,986 59
Cash on deposit to the Company's credit and not drawn against  50,631 27
Agents' balances  1,337 89
Amount unpaid of instalments for year 1922   6,117 58
Amount unpaid assessments which were levied during 1922   67,955 36
Amount unpaid assessments levied in prior years   31,448 72
Amount of premium notes in force after deducting all payment thereon and assessments levied       1,353,647 77
Interest due or accrued  3,121 89
Office furniture, etc. (not extended), $5,055 74.
Total assets   $1,868,260 98
 Y 12 British Columbia. , 1.923
Liabilities.
Amount of losses supposed or reported  $    25.S35 04
Amount required to reinsure all outstanding risks taken on cash system policies
in force December 31st, 1922  123,216 06
Amount of all other liabilities  9,942 64
Total liabilities    $   158,993* 74
Receipts.
Cash received by Company as fixed payments due in 1922  $      8,517 46
Cash received by Company as fixed payments due in prior years  3,340 53
Cash received by Company for assessments levied in 1922   226,152 53
Cash received by Company for assessments levied in years prior to 1922  47,191 91
Cash received for premiums on cash systems   81,454 87
Cash received for interest during 1922  17,469 81
Cash received from all other sources   819 15
Total receipts  '.  $   384,946 76
Expenditure.
Cash paid for commissions or allowances of any kind to agents  $    49,933 51
„           „    law   costs     1,115 19
„    fuel and light   582 22
„           „    investigation and adjustment of claims   10,167 64
„           „    statutory assessment and licence fees  115 00
„           „    travelling expenses   2,958 59
„           „    rent and taxes  3,879 14
„           „    salaries, directors' and auditors' fees   41,146 48
„           „    printing, stationery, and advertising    8,905 94
„           „    postage, telegrams, and express    6,719 73
„            „    other expenses   3,309 57
Total expenses of management   $   128,833 01
Cash paid for losses occurring prior to 1922  52,186 51
„    losses occurring during 1922  229,434 73
„           „    reinsurance    244 34
„           „    rebate and returned premiums   3,680 54
„           „    other expenditure    1,173 61
Total expenditure    $  415,552 74
Returns for British Columbia.
Deposit with Government, Dominion War Loan Bonds (par)     $     25,000 00
Other assets   Nil.
Liabilities     Nil.
Premium notes  55,470 34
Gross premiums received    13,970 58
Losses incurred, net   4,578 72
Losses paid, net   5,095 15
Net amount at risk  3,881,218 00
 13 Geo. 5 Report of the Superintendent of Insurance. Y 1.3
WESTERN  EMPIRE  LIFE  ASSURANCE  COMPANY.
Head Office—Winnipeg, Man.
Directors.
William Smith. S. D. Hannah.
R. W. Craig, K.C. G. N. Broatch.
A. J. Fraser, M.D. G. E. Graham.
Brig.-General H. M. Dyer.
F. C. O'Brien,  Secretary.
Amount deposited with the Government of British Columbia:   27 Dominion Victory Loan
bonds (par), $27,000.
Authorized capital      $1,000,000 00
Amount subscribed      1,000,000 00
Called capital         250,000 00
Amount paid up in cash        215,420 05
Statement for the Year ended December 31st, 1922.
Assets.
Cash value of real estate, less encumbrances  $ 15,319 60
Cash value of mortgages, exclusive of interest    79,655 11
Loans, other than those secured by mortgages   84,730 53
Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc. 394,180 12
Cash on hand at Head Office   4,351 04
Cash on deposit to the Company's credit and not drawn against on Lecember 31st,
1922     14,345 75
Premiums uncollected   113,616 91
Interest due or accrued and unpaid  16,558 65
Calls on capital stock outstanding in course of collection   34,579 95
Premium on capital   56,270 20
Amount of all other assets  46,501 90
Office furniture (not extended), $4,367.90.
Total assets  $860,109 76
Liabilities.
Claims or losses adjusted r  $   3,085 33
Claims or losses in suspense  2,000 00
Amount of unpaid loans  71,000 00
Reinsurance reserve for life-insurance contracts in force   510,693 00
Amount due or accrued for salaries, printing, etc  963 50
Amount of all other liabilities   2,875 80
Total amount of liabilities    $500,617 03
Capital stock paid up in cash      215,420 05
Total of liabilities and paid-up capital   $806,037 68
Excess of assets over such total   $ 54,072 08
 Receipts.
Net premiums received in cash    $141,474 41
Cash received for interest   31,708 04
Cash received for calls on capital stock   5,809 05
Cash from all other sources   28,386 41
Cash received for debentures, mortgages, etc. (not extended), $29,628.51.
Total receipts    $207,378 51
Expenditure.
Cash paid to agents for commission, salaries, and bonus  $ 23,311 24
„         for law  costs     2,058 77
„           „    medical examiners' fees     2,967 00
„           „    interest, discount, and exchange   529 99
„           „    statutory, assessment, and licence fees   3,725 89
„           „    travelling expenses  . 1,366 75
,,           „    rent and taxes  2,760 00
„           „    salaries, directors' and auditors' fees   20,051 55
„           „    printing, stationery, and advertising   4,700 02
„            „    postage, telegrams, and express   1,550 78
„    other expenses     12,026 09
Total expenses of management  $ 75,048 08
Amount paid for losses occurring prior to 1922   275 00
Amount paid for losses occurring during 1922   17,259 33
Cash paid for other expenditure    16,276 19
Cash paid for debentures, mortgages, etc. (not extended), $173,235.45.
Total expenditure  $108,858 60
Returns for British Columbia.
Deposit with Government, Victory Loan bonds (par)    $ 27,000 00
Assets   (real  estate,  $15,319.60;   mortgages,  $11,150.50;   stocks,  bonds,  $55,350 64;
cash, $2,500.80; premiums uncollected, $12,624.75;  interest, $1,721.65; calls on
capital stock, $875; premium on capital, $1,135; other assets, $3,950.80)     109,525 54
Liabilities  40,553 00
Premiums  received     20,039 03
Losses incurred, net  Nil.
Losses, paid, net   Nil.
Net amount at risk  790,078 00
 13 Geo. 5
Report of the Superintendent of Insurance.
Y 15
LIST OF  COMPANIES  LICENSED UNDER THE  "BRITISH  COLUMBIA FIRE
INSURANCE ACT."
Name of the Company and Head Office.
Attorney to receive Process in British
Columbia.
(Corrected to  August 1st,  1923.)
The  Acadia  Fire  Insurance  Company,   Halifax,  N.S	
Aetna   Insurance   Company,   Hart-ford,   Conn	
Agricultural  Insurance   Company,   Watertown,   N.Y	
Alliance  Assurance  Company,   Limited,   London,  England....
Alliance   Insurance   Company   of  Philadelphia	
American   Alliance   Insurance  Company,   New   York,  N.Y	
American  Central   Insurance  Company,   St.  Louis,  Missouri..
American Equitable Assurance Company of New York, N.Y...
The American Insurance Company, Newark, N.J	
Atlas   Assurance   Company,   Limited,   London,   England	
The Autocar Fire and Accident Insurance Company, Limited, London, England
Baloise Fire Insurance Company, Basle, Switzerland	
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...
The British Oak Insurance Company, Limited, London, England. .
British Traders' Insurance Company, Ltd., Victoria, Hong Kong..
Caledonian  American  Insurance  Co.,  New   York,  N.Y	
Caledonian Insurance Company, Edinburgh, Scotland	
California Insurance Company,  San  Francisco, Cal	
The Canada Accident and Fire Assurance Co., Montreal, Que	
Canada National Fire Insurance  Company,  Winnipeg,  Man	
Canada   Security   Assurance  Co.,   Toronto,   Ont	
The  Canadian   Indemnity   Co.,   Winnipeg,   Man	
Canadian   Fire   Insurance   Company,   Winnipeg,   Man	
■.'The 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.  	
The Cornhill Insurance Company, Limited, London, England	
Dominion  Fire  Insurance Company,  Toronto,  Ont	
Dominion Gresham Guarantee & Casualty Company, Montreal, Que.
The Dominion c£ Canada Guarantee & Accident Insurance Company,   Toronto,  Ont.
The Eagle, Star & British Dominions Insurance Co., Ltd., London,
England.
Employers Liability Assurance Corporation, Limited, London, Eng.
Ensign Insurance Company, Toronto, Ontario  	
Equitable Fire & Marine Insurance Company, Providence, R.I....
The Essex and Suffolk Equitable Insurance Society, Ltd., London,
England
Fidelity  Phenix  Fire  Insurance  Company,  New  York,  N.Y....
Fire  Association  of  Philadelphia,  Philadelphia,  Pa	
The Fire  Insurance Company of Canada,  Montreal,  Que	
Fireman's  Fund  Insurance  Company,   San  Francisco,  Cal	
Firemen's   Insurance  Company   of   Newark,   New   Jersey	
The B-ranklin Fire Insurance Company of Philadelphia   	
The General Accident Assurance Company of Canada, Toronto, Ont.
General Accident Fire & Life Assurance Corporation, Limited,
Perth, Scotland
General Fire Assurance Company, Paris, France	
The Girard Fire & Marine Insurance Company, Philadelphia, Pa...
Glens Falls Insurance Company, Glens Falls, N.Y	
Globe & Rutgers Fire Insurance Company, New York, N.Y	
The Globe Indemnity Co. of Canada, Montreal, Que	
Great  American   Insurance  Company,   New  York,   N.Y	
Guardian Assurance Company,  Limited, London, England	
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.
F. W. Kounsefell, Vancouver.
J. E.  Kinsman,   Victoria.
J.   J.   Banfield,   Vancouver.
W.   A.   Anderson  and   II.   Miskin,   Van-
J   H. Harrison,  Vancouver. Lcouver
C. V. Wakely, Vancouver.
D. W. Campbell, Victoria.
C.  G.  Hobson.   Vancouver.
T. W. B. London, Vancouver.
John S.  Gall,   Vancouver.
R. Bone, Vancouver.
A. S. Matthew, 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, Victoria.
K. G. McCandless, Vancouver.
H. A. Robertson, Vancouver.
C. R. Elderton,  Vancouver.
Fred Burgess,  Vancouver.
Fred Burgess,  Vancouver.
John Anderson, Vancouver.
John Anderson, Vancouver.
R. W. Perry,  Victoria.
I. J.   Banfield,   Vancouver.
A. McC. Creery, Vancouver.
F. C.  Paterson,  Victoria.
F. B. Lewis, Vancouver.
J. H. Lawson.  Vancouver.
Thos.  W.  Greer.  Vancouver.
C. R. Elderton, Vancouver.
Chas. H. Macaulay, Vancouver.
F. W.   Rounsefell,   Vancouver.
John Anderson, Vancouver.
John Anderson. Vancouver.
Robt.   H.   Swinerton,   Victoria.
W. A.  Lawson,  Vancouver.
W. B. Blane, Vancouver.
G. H. L. Hobson, Vancouver.
B. S. Brown, Vancouver.
J. C. Stuart, Vancouver.
R.  J.  Loevven and R.  G.  Harvey, Vancouver.
Jas. A. Young.
Wni. B. Blane, Vancouver.
C. V. Wakely, Vancouver.
H. B. Leuty, Vancouver.
Arthur Coles, Victoria.
Leeming Bros.,  Ltd.,  Victoria.
C.   G.   Hobson,  Vancouver.
E. D. Todd, Victoria.
B. S. Brown, Vancouver.
J. P. McLaren, Vancouver.
Ceorge  Rorie,   Vancouver.
E. J.  Enthoven,  Vancouver.
A.  W.  McLeod. Vancouver.
W. E. Martin, Vancouver.
A. S. Matthew, Vancouver.
A. McC.  Creery, Vancouver.
F. W. Rounsefell. Vancouver.
S. Burke. Vancouver.
W. S. Day, Victoria.
R. G. Heddle, Vancouver.
Oeorge Allan Kirk,  Victoria.
II. W. Dyson, Vancouver.
F. W.  Walker, Vancouver.
Donald  Cramer,  Vancouver.
A. W7aring Giles. Vernon.
J. H. Harrison, Vancouver.
H. A. Robertson,  Vancouver.
A. W. Blake, Vancouver.
R.  C. Hall, Victoria.
L. U. Conyers. Victoria.
A. W. Blake, Vancouver.
A. W. Blake, Vancouver.
 y 16
British Columbia.
1923
COMPANIES LICENSED UNDER "B.C. FIRE INSURANCE ACT "—Continued.
Name of the Company and Head Office.
Attorney to receive Process in British
Columbia.
(Corrected to August 1st, 1923.)
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	
The   Merchants   Marine   Insurance   Company,   Limited,   London,
England
Millers  National  Insurance  Company,   Chicago,  HI	
The  Motor Union   Insurance  Co.,  Ltd.,  London,   England	
The Mount Royal .Assurance Company, Montreal, Que	
National Ben Franklin E'ire Insurance Company, Pittsburgh, Pa...
National Fire Insurance Company of Hartford, Hartford, Conn...
The Nationale Fire Insurance Company, Paris,  France	
National Provincial Insurance Company, Limited, London, England
National   Union   Fire   Insurance   Company,   Pittsburgh,   Pa.
The Newark Five Insurance Company, Newark, N.J	
New  Hampshire Fire  Insurance Co.,  Manchester,  N.H	
New  Jersey  Insurance  Company, Newark,  N.J	
Niagara Fire Insurance Company, New York, N.Y	
§The North  American  Accident Insurance  Co.,  Montreal,  Que,
North British & Mercantile Insurance Company, Limited,  London,
England
North  Empire  Fire  Insurance Company,   Toronto, Ont.
Northern  Assurance  Company,   Limited,   London,   England	
North   West  Fire  Insurance Company,  Winnipeg,  Man	
Northwestern  Mutual  Fire Association,   Seattle.  Wash	
Northwestern  National   Insurance  Company,   Milwaukee,   Wis	
Norwich Union Fire Insurance Society.  Limited,  Norwich, Eng...
Occidental   Fire  Insurance  Company,  Winnipeg,  Man	
The Ocean Accident & Guarantee Corporation, Limited, London, Eng.
Pacific  Coast  Fire  Insurance  Company,  Vancouver,  B.C	
Palatine   Insurance  Company,   Limited,   London,   England	
The Patriotic Assurance Company, Limited,  Dublin,   Ireland   ....
The Phenix Fire Insurance Company  of Paris,  France	
Phoenix  Assurance   Company,   Limited,   London,  England	
The Phoenix Insurance Company, Hartford, Conn	
Providence   Washington   Insurance   Company,   Providence,   R.I... .
Provincial   Insurance  Co.,   Ltd.,   Bolton,   England	
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 Compan.v,  Limited, Liverpool. England	
The  Royal   Scottish   Insurance  Co.,  Ltd.,   Glasgow,  Scotland	
St.  Paul  Fire & Marine Insurance  Company,  St.  Paul,  Minn	
Scottish Canadian Assurance Corporation, Toronto, Ont	
Scottish  Metropolitan Assurance Co.,  Ltd.,  Edinburgh,  Scotland. .
Scottish  Union & National  Insurance Company. Edinburgh, Scotland
Security Insurance Company of New Haven, Conn	
Sprin.gfield Fire & Marine Insurance Company, Springfield, Mass...
The Sterling Fire Insurance Company of Indiana, U.S.A	
Stuyvesant  Insurance  Company.   New York,  N.Y	
Sun  Insurance Office,  London. England	
Union  Assurance Society,  Limited,   London, England	
The Union  Fire Insurance Company, Paris.  Prance	
Union Insurance Society of Canton, Ltd., Victoria, Hong Kong...
The Union Marine Insurance Company, Limited, Liverpool, England
United British Insurance Company, Limited, London, England....
United  States  Fire  Insurance Company,  New York.  N.Y	
HThe Wawanesa Mutual Insurance Co., Wawanesa, Man	
Western   Assurance   Company.   Toronto.   Ont	
Westchester Fire Insurance Company, New York.  N.Y	
The Vang-tsze Insurance Association, Limited. Shanghai, China..
The Yorkshire Insurance Company, Limited, York, England	
Harold  B.  Girdwood, Victoria.
R. C, Janion. Vancouver.
Christopher   G.   Hobson,  Vancouver.
A. A. Meharey, Victoria.
W. J. Mills, Vancouver.
A. W. Blake, Vancouver.
J. B. Love, Vancouver.
C. G. Hobson.  Vancouver.
J. A. Young, Vancouver.
C. G. Hobson, Vancouver.
W. W. Johnston. Vancouver.
C. G. Hobson, Vancouver.
J.   H.  Johnston,  Victoria.
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.
John   W.  Wilson,  Vancouver.
Bernard  C.  Mess. Victoria.
Chas.  H. C. Payne, Victoria.
J. H. Constantine, Vancouver.
W.  B. Blane, Vancouver.
B.   S.  Heisterman,   Victoria.
B. C. Mess, Victoria.
John R.  Hannah. Vancouver.
Thos.  W.  Greer,  Vancouver.
A.  W.  Ross,   Vancouver.
E. V. K. Rankin. Vancouver.
J.  A.  Griffith,  Victoria.
P. W. Rounsefell. Vancouver.
Arthur E. Haynes, Victoria.
R. B. Spears, Vancouver.
W.   B.   Blane,   Vancouver.
A. W. Blake, Vancouver.
iiithet Consolidated, Limited, Victoria
Robert Bone, Vancouver.
P.  H. Grant, Vancouver.
Chas. V. Wakelv, Vancouver.
•Tames H. Lawson, Vancouver.
F. W. Walker. Vancouver.
J. H. Watson,  Vancouver.
B. S. Heisterman. Victoria.
A. W. McLeod, Vancouver.
Lawrence   W.   Peel,   Vancouver.
Pemberton  &  Son, Victoria.
T. W. Greer, Vancouver.
Chas.  H.  Macaulay, Vancouver.
H.   R.  Budd,  Vancouver.
H.  A.  Robertson, Vancouver.
P.  B.  Pemberton,  Victoria.
D.  C. McGregor,  Vancouver.
Franco-Canadian   Company,   Limited,
Vancouver.
C. R. Elderton, Vancouver.
C. H. Macaulay, Vancouver.
B. S. Brown, Vancouver.
H.  A.  Robertson, Vancouver.
W. W. Kempton. Lumby.
R. B. Spears, Vancouver.
R. P. Clark, Victoria.
B. G. D. Phillips, Vancouver.
IT.   W.  Dyson, Vancouver.
t Licence  under  "B.C.  Fire  Insurance  Act"  limited   to   insurance  of  automobiles  against  fire;    also
licensed under the " Insurance Act " to transact guarantee, burglary, plate glass, and automobile insurance.
t Licence  under  "B.C.  Fire  Insurance  Act,"  limited   to   insurance  of   automobiles   against   fire;   also
licensed under the "Insurance Act" to transact guarantee, accident, sickness, automobile, and plate-glass
insurance.
* Licence under " British Columbia Fire Insurance Act " limited to insurance of automobiles against
fire. Also licensed under " Insurance Act" to transact accident (excluding employers' liability, sickness, and
automobile insurance.
§ Licence under " B.C. Fire Insurance Act," limited to insuring automobiles against loss or damage bv
fire; also licensed under the "Insurance Act" to transact automobile, burglary, accident, sickness, and
plate-glass   insurance.
^Deposit:   Dominion War Loan bonds. $25,000.
Note.—Licensed since December 31st, 1922:—
The   Anglo   Scottish   General   Commercial   Insurance  Company,  Limited,  London,  England;  T.  W.
Greer. Vancouver.
Imperial  Assurance  Company,  New York,  N.17 ; F.  W. Rounsefell. Vancouver.
Lumbermen's   Indemnity  Exchange,   Seattle,   Washington;   J.   A.   Hendry,  Vancouver.
 13 Geo. 5
Report of the Superintendent of Insurance.
Y 19
TABLE I.—NET FIRE INSURANCE PREMIUMS AND NET LOSSES, 1922.
Name of Company.
Acadia Fire Insurance Co	
Aetna Fire Insurance Co	
Agricultural Insurance Co   	
Alliance Assurance Co., Ltd.	
Alliance Insurance Co. of Philadelphia	
American Alliance Insurance Co	
American Central Insurance Co	
American Equitable Assurance Co. of N. Y	
American Insurance Co   	
Atlas Assurance Co., Ltd	
Autocar Fire & Accident Insurance Co., Ltd	
Baloise Fire Insurance Co	
Beaver Fire Insurance Co	
Boston Insurance Co	
British America Assurance Co.  	
British Colonial Fire Insurance Co	
British Crown Assurance Corporation	
British General Insurance Co., Ltd	
British Northwestern Fire Insurance Co	
British Oak Insurance Co., Ltd	
British Traders Insurance Co., Ltd	
'. laledonian American Insurance Co	
Caledonian Insurance Co	
California Insurance Co	
Canada Accident & Fire Assurance Co	
Canada National Fire Insurance Co	
Canada Security Assurance Co	
Canadian Indemnity Co 	
Canadian Fire Insurance Co	
Canadian Surety Co	
Car & Genera] Insurance Corporation	
Century Insurance Co    ..'	
China Fire Insurance Co	
Citizens Insurance Co	
Columbia Insurance Co	
Commercial Linion Assurance Co., Ltd	
Commercial Union Fire Insurance Co	
Connecticut Fire Insurance Co	
Continental Insurance Co	
Cornhill Insurance Co., Ltd	
Dominion Fire Insurance Co	
Dominion Gresham Guarantee & Casualty Co	
Dominion of Canada Guarantee & Accident Insurance Co..
Eagle Star & British Dominions Insurance Co., Ltd	
Employers Liability Assurance Co	
Ensign Insurance Co 	
Equitable Fire & Marine Insurance Co	
Essex & Suffelk Equitable Insurance Society	
Fidelity Phenix Fire Insurance Co   	
Fire Association of Philadelphia	
Fire Insurance Co. of Canada	
Fireman's Fund Insurance Co	
Firemen's Insurance Co. of Newark	
Franklin Fire Insurance Co. of Philadelphia*.	
General Accident Assurance Co	
General Accident Fire & Life	
Genera! Fire Assurance Co. of Paris, France :....
Girarr] Fire & .Marine Insurance Co	
Glens Falls Insurance Co	
Globe & Rutgers Fire Insurance Co	
Globe Indemnity Co. of Canada	
Great American Insurance Co	
Guardian Assurance Co., Ltd	
Guardian Insurance Co. of Canada	
Hartford Fire Insurance Co	
Home Insurance Co. of New York	
Hudson Bay Insurance Co	
Imperial Guarantee & Accident Insurance Co. .•?	
Imperial Underwriters Corporation	
Insurance Co. of North America •.	
Insurance Co. of the State of Pennsylvania	
Law, Union & Rock Insurance Co., Ltd 	
Liverpool & London & Globe Insurance Co., Ltd	
Liverpool-Manitoba Assurance Co	
London & Lancashire Guarantee & Accident Co. of Canada..
London & Lancashire Insurance Co., Ltd	
London Assurance Corporation	
London Guarantee & Accident Co., Ltd	
London Mutual Fire Insurance Co.    	
Marine Insurance Co., Ltd   	
Mechanics & Traders Insurance Co	
Mercantile Fire Insurance Co	
Merchants Fire Assurance Corporation     	
Merchants Marine Insurance Co	
Net Premiums.
Carried forward .
i 29,678 95
65,651 43
15,345 40
27,927 75
12,353 64
6,843 58
37,789 18
15,920 91
8,529 98
60,206 43
8,787 39
33,067 77
5,809 32
32,247 53
56,352 80
13,350 91
87,219 54
10,566 21
17,298 62
25.399 23
34,520 87
14.410 27
47,507 07
29,255 62
24,258 94
33,441 55
6,372 39
9,244 30
31,761 99
1,888 05
15,206 98
34,528 77
5,271 85
31,699 35
16,979 91
87,516 64
6,639 72
34,666 18
42,325 90
3,960 17
24,410 82
2,431 06
6,647 99
45,379 58
44,685 79
1,151 72
0,755 97
7,004 91
61,463 91
28,308 04
26,170 31
33,874 52
6,491 03
4,716 48
8,127 12
18,094 59
8,484 75
922 56
14,145 95
39,162 74
38,898 59
47,322 06
116,898 66
12,661 37
121,253 33
112,278 05
41,782 48
3,180 29
47,973 13
109,954 66
13,S85 72
24,036 06
151,861 16
39,250 04
4,289 76
115,449 84
75,513 57
21,848 53
14,796 20
365 93
18,735 57
18,913 12
39,085 03
16,576 95
2,667,948 91
Net Amount of
Losses incurred.
14,651 80
32,278 30
5,077 07
13,181 90
1,876 37
5,992 65
13,289 47
5,363 78
iSil.
18,099 70
502 42
33,492 50
2,591 94
30,283 23
46,309 51
8,734 86
88,580 41
4,917 04
9,237 74
2,378 13
9,047 83
78 00
9,440 64
3,011 22
5,979 93
12,997 72
7,497 62
4,101 22
8,114 85
680 75
5,171 44
9,499 41
2,554 07
19,474 95
3,861 62
21,733 78
2,710 85
13,805 34
10.757 86
Nil.
39,195 59
Nil.
4,332 99
21,308 87
16,142 7S
Nil.
4,317 61
4,213 09
10,745 13
7,569 01
12,698 17
25,537 55
3 47
4,211 06
7,401 65
5,746 37
4,227 88
52 00
3,100 03
26,142 99
1,629 35
29,838 31
60,491 .5
7,836 28
79,800 00
87,395 99
21,090 39
3,096 04
17,485 13
16,887 41
4,462 58
5,502 23
32,721 94
36,006 22
1,220 85
37,519 64
26,170 03
17,057 83
20,173 18
Nil.
15,554 69
2,204 22
26,578 40
878 89
81,235,895 21
-Net Amount of
. Losses paid.
14,468 85
29,219 19
5,102 05
12,993 49
3,284 68
6,896 65
12,020 23
5,353 78
Nil.
17,812 74
502 42
25,018 63
1,766 96
29,918 04
43,001 90
8,714 11
90,672 48
3,885 04
10,191 74
2,378 13
11,971 75
418 00
9,051 67
7,504 22
5,487 98
12,997 72
7,467 62
4,226 02
8,265 37
619 10
5,176 41
10,604 25
2,554 07
18,83.0 77
3,S11 62
20,737 11
2,706 28
14,099 33
11,754 85
Nil.
17,464 72
Nil.
3,332 47
23,107 71
18,528 31
Nil,
4,329 46
4,116 05
14,236 34
8,372 86
9,540 17
25,344 39
102 47
3,978 06
7,401 65
4,640 32
4,248 88
27 00
3,261 58
15,322 23
4,709 35
30,539 23
62,362 86
7,066 28
74,496 23
84,698 86
21,946 39
0,049 41
19,726 00
29,562 20
5,092 46
5,502 23
34,891 94
38,351 22
1,220 85
34,854 64
25,401 55
16,441 83
17,723 31
Nil.
20,392 64
2,154 22
25,041 40
878 89
S1,21S,299 19
 Y 20
British Columbia.
1923
TABLE 1.—NET FIRE INSURANCE PREMIUMS AND NET LOSSES, 1922—Continued.
Name of Company.
Brought forward.
Millers National Insurance Co	
Motor Union Insurance Co., Ltd	
Mount Royal Assurance Co., Ltd	
National Ben Franklin Fire Insurance Co	
National Fire Insurance Co. of Hartford	
Nationale Fire Insurance Co., Paris, France..  .,
National Provincial Insurance Co., Ltd	
National Union 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 Society	
Occidental Fire Insurance Co	
Ocean Accident & Guarantee Corporation, Ltd.
Pacific Coast Fire Insurance Co	
Palatine Insurance Co., Ltd	
Patriotic Assurance Co., Ltd...   	
Phenix Fire Insurance Co. of Paris, France	
Phoenix Assurance Co.   Ltd	
Phoenix Insurance Co. of Hartford	
Providence Washington Insurance Co	
Provincial Insurance Co., Ltd	
Quebec Fire Assurance Co	
Queen Insurance Co. of America	
Queensland Insurance Co., Ltd	
Reliance Insurance Co. of Canada	
Royal Exchange Assurance Co	
Royal Insurance Co., Ltd	
Royal Scottish Insurance Co., Ltd	
St. Paul Fire & Marine Insurance Co	
Scottish Canadian Assurance Corporation	
Scottish Metropolitan Assurance Co., Ltd	
Scottish Union & National Insurance Co	
Security Insurance Co. of New Haven	
Springfield Fire & Marine Insurance Co	
Sterling Fire Insurance Co	
Stu.yvesant Insurance Co	
Sun Insurance Office	
Union Assurance Society, Ltd	
Union Fire Insurance Co. of Paris, France	
Union Insurance Society of Canton, Ltd	
Union Marine Insurance Co., Ltd	
United British Insurance Co., Ltd	
United States Fire Insurance Co	
Wawanesa Mutual Insurance Co	
Western Assurance Oo	
Westchester Fire Insurance Co ..   	
Yang-tsze Insurance Association	
Yorkshire Insurance Co., Ltd..,	
Total.
Net Premiums.
§2,667,948 91
16.
8.
67.
22.
55.
44.
19,
23.
14.
14.
6.
35:
61.
26.
93.
12
80.
60!
91.
14.
10.
42.
35,
12.
12.
219.
40.
21
16.
18.
75.
18.
5.
42.
118
12.
27
24,
32.
50.
54
1
8
75
44
IS
Net amount of
Losses incurred.
$1,235,895 21
7,634 68
8,114 71
31,015 15
11,304 29
38,270 41
20,320 22
1,575 90
8,025 15
9,169 98
5,669 15
2,768 93
10,272 14
308 46
15,295 62
30,398 19
35,704 40
5,663 85
37,124 16
13,629 32
47,913 76
835 46
5,849 86
6,639 72
4,000 48
1,982 52
12,147 55
86,468 44
17,678 54
21,183 87
6,441 18
2,355 93
46,674 12
15,722 93
2,266 41
15,988 57
37,440 09
235 91
6,506 86
3,634 39
11,160 C3
8,795 25
Nil.
28,371 80
Nil.
1,967 88
61,269 41
21,218 07
7,399 30
5,541 46
717 29
Nil.
2,464 73
8,464 77
36,933 22
7,666 24
5,144 59
11,080 11
S2,07S,201 15
Net Amount of
Losses paid.
81,218,299 19
8,249 68
8.105 12
31,061 15
12,796 78
42,886 41
22,313 22
1,575 90
8.077 56
10,223 98
3,585 85
2,968 93
11,897 14
308 46
13,710 72
29,273 19
31.324 40
5,171 85
33,743 22
12,307 56
49,891 61
3,803 18
5,049 86
6,493 42
5,233 94
732 52
10,037 55
89,277 16
14,381 54
21,239 62
6,441 18
2,355 93
45,721 12
14,361 90
2,266 41
12,728 57
44,575 09
235 91
6,886 04
3,634 39
11,333 93
15,265 25
Nil.
30,417 19
Nil.
1,401 44
.   51.843 14
18,779 07
7,679 12
5,381 46
717 29
Ml.
1,292 73
5,095 15
35,441 68
8,460 26
5,144 59
11,689 44
32,062,601 34
 13 Geo. 5
-Report of the Superintendent of Insurance.
Y 21
TABLE   II.—FIRE   INSURANCE   SUMMARY.
Year.
Net Premiums.
Net Amount of
Losses incurred.
Net Amount of
Losses paid.
1918       	
$ 4,085,219 68
4,370,432 08
5,427,798 35
4,810,405 78
4,670,253 65
$1,214,162 65
1,259,983 28
1,636,148 83
2,134,251 22
2,078,201 15
$1,120,475 80
1919       	
1,181,196 47
1920   	
1,648,167 47
2,168,851  70
1922   	
2,062,601 34
Totals  	
$23,364,110 44
$8,322,747 13
$8,181,292 78
TABLE  III.-—DISPOSITION  OF PREMIUMS  RECEIVED.
1919.
1920.
1921.
1922.
41.67
4.74
36.56
l.i6
43.40
1.05
58.28
1.11
68.19
Rate of dividend or  bonus to  stockholders  per  cent,  of premiums
1.06
TABLE  IV.—RATIO  OF
LOSSES  INCURRED TO  PREMIUMS
VARIOUS  PROVINCES.
WRITTEN  IN THE
Provinces.
1922.
1921.
1920.
1919.
1918.
Per Cent.
67.50
43.68
69.58
89.69
68.62
71.08
100.51
76.14
51.56
22.36
Per Cent.
55.76
44.56
56.79
78.36
79.09
56.51
43.81
65.13
56.43
2.69
Per Cent.
34.46
30.36
41.23
65.89
70.91
38.77
35.74
57.18
42.96
2.45
Per Cent.
34.60
29.84
25.25
52.48
50.32
40.80
46.87
50.54
39.23
Per Cent-
44.46
29.79
62.38
42.89
28.40
59.47
20.55
52.69
48.74
5.86
Totals 	
68.92
59.51
45.61
41.10
50.76
 Y 22
British Columbia.
1923
TABLE V.—INVESTMENTS IN BRITISH COLUMBIA OF COMPANIES OTHER THAN
LIFE  INSURANCE  COMPANIES.
(For Britisli 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	
Boston 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 Indemnity Co	
Canadian Surety Co	
Casualty Company of Canada  	
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 & iLife 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 Ben Franklin Fire Insurance Co	
National Fire Insurance Co. of Hartford  	
National Union Fire Insurance Co	
New Jersey Insurance Co	
North American Accident Insurance Co	
North British & Mercantile Insurance Co	
North Empire Fire Insurance Co	
Northern Assurance Co., Ltd	
Northwestern Mutual Fire Association   	
Northwestern National Insurance Co	
Norwich Union Fire Insurance Society, Ltd	
Ocean Marine Insurance Co., Ltd	
Pacific Coast Fire Insurance	
Phoenix Insurance Co. of Hartford	
Queen Insurance Co. of America  	
Royal Insurance Co., Ltd	
F.oyal Plate Glass Insurance Co. of Canada	
Springfield Fire & Marine Insurance Co	
Union Insurance Society of Canton, Ltd	
Western Assurance  Co	
Yorkshire Insurance Co., Ltd	
Totals	
* Par value. f Book value.
$  25,800 S6
1,500 00
670,000 00
102,696 10 |
5,000 00 I
204,440 66
7,363 23
80,101 00
409,500 00
68,654 66
280,000 00
80,000 00
$1,935,062 51
76,447 80
19,000 00
25,000 00
153,000 00*
5,973 33*
3,000 00
88,194 00
2,000 00
321,000 00*
25,000 00
19,000 00
25,733 33*
2,100 00*
50,334 00
15,900 00
50,000 00.*
94.000 00*
90,000 00
31,514 57*
38,702 00
126,000 00
5,000 00
39,333 33*
126,000 00
50,000 00*
29,000 00*
29,676 50
30,434 75t
19,700 00
121,200 00
22,325 00
10,000 00*
37,500 00
44,733 33
60,000 00
87,220 00*
22,984 75
35,000 00
10,000 00
4,937 50*
122,000 00*
34.200 00
47,500 00
• 6,000 00*
46,875 73
46,000 00
28,500 00
197,079 06
19,600 00
32,000 00
214,850 67
2,250 00
45,000 00*
70,000 00
151,500 00
550,000 00
$3,661,208 65
 13 Geo. 5
Eeport of the Superintendent of Insurance.
Y 23
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British Columbia.
1923
TABLE  VII.—LIFE  INSURANCE  SUMMARY.
1018.
1
1919.
1920.
1921.
1922.
$ 4,026,000
112,978,000
1,558,000
$ 4,767,000
141,549,000
1,851,000
$ 5,848,000
171,650,000
1,460,000
$ 6,264,000
188,930,000
1,332,000
$ 6,789,000
202,800,000
1,635,000
TABLE  IX.—MISCELLANEOUS  INSURANCE  SUMMARY.
Accident, P. . .
L. . .
Sickness,  P. . .
L. . .
Liability, P. . .
L. . .
Automobile,  P.
L.
Marine,   P. . . .
L	
Other forms, P
L
1018.
1919.
I
1920.
I
1921.
$221,000
78,000
73,000
41,000
31,000
14,000
230,000
65,000
404,000
125,000
79,000
21,000
$249,000
113,000
106,000
65,000
42,000
34,000
423,000
142,000
472,000
210,000
134,000
35,000
$349,000
154,000
115,000
52,000
27,000
7,000
566,000
273,000
438,000
253,000
164,000
86,000
$334,000
160,000
141,000
71,000
30,000
10,000
648,000
346,000
486,000
306,000
166,000
65,000
J_
_l_
1922.
$31S,000
132,000
135,000
87,000
26,000
10,000
655,000
300,000
416,000
217,000
205,000
67,000
P.—Premiums.
-Losses.
 TABLE VIIL—MISCELLANEOUS  BUSINESS:  NET PREMIUMS  AND  LOSSES,  1922.
Y 25
NAME OF COMPANY.
1. Aetna Insurance Co	
2. Alliance Assurance Co., Ltd	
3. Alliance Insurance Co. of Philadelphia 3	
4. American Alliance Insurance Co	
5. American Central Insurance Co	
6. Atlas Assurance Co., LtdJ	
7. The Boiler Inspection & Insurance Co. of Canada	
8. Boston Insurance Co	
9. British America Assurance Co	
10. The British & Foreign Marine Insurance Co., Ltd	
11. The British Columbia Plate Glass Insurance Co 	
12. The British Crown Assurance Corporation, Ltd	
13. British Traders Insurance Co., Ltd	
14. The Canada Accident & Fire Assurance Co	
15. Canada Security Assurance Co	
16. Csmadian Fire Insurance Co	
17. The Canadian Surety Co	
18. The Canton Insurance Office, Ltd	
19. Car & General Insurance Corporation, Ltd	
20. Casual ty Co. of Canada	
21. Columbia Insurance Co. J	
22. Continental Casualty Co	
23. Continental Insurance Co	
24. Cornhill Insurance Co., Ltd |	
25. Dominion Gresham Guarantee & Casualty Co	
26. The Dominion of Canada Guarantee &■ Accident Insurance Co..
27. The Eagle Star & British Dominions Insurance Co., Ltd	
28. Employers Liability Assurance Corporation, Ltd	
29. Equitable Fire & Marine Insurance Co...  	
30. The Fidelity & Casualty Co	
31. Fidelity Insurance Co. of Canada   	
32. Fidelity Phenix Fire Insurance Co	
33. Fireman's Fund Insurance Co	
34. Firemen's Insurance Co. of Newark J	
35. General Accident Assurance Co. of Canada	
36. General Animals Insurance Co. of Canada	
37. Glens Falls Insurance Co	
38. Globe & Rutger's Fire Insurance Co	
39. The Globe Indemnity Co. of Canada	
40. Great American Insurance Co	
41. The Guarantee Co. of North America	
42. The Guardian Insui ance Co. of Canada	
43. Hartford Accident & Indemnity Co	
44. Hartford Fire Insurance Co.
45. Home Insurance Co	
46. The Imperial Guarantee & Accident Insurance Co. of Canada.
47. Imperial Underwriters Corporation of Canada	
48. Insurance Co. of North America	
49.
.50.
61.
3.2.
53.
54.
355.
66.
57.
68.
59.
00.
(il.
62.
63.
64.
or..
100.
101.
102.
103.
104.
105.
106.
107.
108.
Insurance Co. of the State of Pennsylvania	
Law Union & Rock Insurance Co., Ltd    .
The Liverpool-Manitoba Assurance Co	
The London & Lancashire Guarantee & Accident Co. of Canada .
The London & Lancashire Insurance Co., Ltd	
London & Provincial Marine & General Insurance Co., Ltd	
London Assurance Corporation	
London Guarantee & Accident Co., Ltd	
London Mutual Fire Insurance Co. of Canada.	
Loyal Protective Insurance Co	
Lumbermen's Mutual Casualty Co	
The Marine Insurance Co., Ltd   	
Maritime Insurance Co., Ltd.f	
Maryland Casualty Co ■	
Merchants Casualty Co	
Merchants Marine Insurance Co. J	
Metropolitan Life Insurance Co	
The Motor Union Insurance Co., Ltd	
Mount Royal Assurance Co	
National Fire Insurance Co. of Hartford	
National Provincial Plate Glass & General Insurance Co., Ltd ..
National Surety Co	
The Newark Fire Insurance Co	
New Jersey Insurance Co	
The New York Plate Glass Insurance Co...   	
Niagara Fire Insurance Co   	
The North American Accident Insurance Co	
Northern Assurance Co., Ltd	
Northwestern Mutual Fire Association	
Northwestern National Insurance Co.t	
Norwich Union Fire Insurance Society, Ltd	
Occidental Fire Insurance Co	
The Ocean Accident & Guarantee Corporation, Ltd	
Ocean Marine Insurance Co., Ltd	
The Palatine Insurance Co., Ltd	
The Phoenix Insurance Co. of Hartford..	
The Protective Association of Canada	
Queen Insurance Co. of America	
Queensland Insurance Co., Ltd	
Railway Passengers Assurance Co	
Reliance Marine Insurance Co.t	
The Ridgely Protective Association   	
Royal Exchange Assurance	
Royal Insurance Co., Ltd. J	
Royal Plate Glass Insurance Co. of Canada	
St. Paul Fire & Marine Insurance Co    	
Scottish Metropolitan Assurance Corporation, Ltd	
Scottish Union & National Insurance Co	
Standard Marine Insurance Co., Ltd	
Sterling Fire Insurance Co. of Indiana	
Sun Insurance Office	
Tokio Marine & Fire Insurance Co., Ltd	
The Travelers Indemnity Co	
The Travelers Insurance Co	
Union Assurance Society, Ltd	
Union Insurance Society of Canton, Ltd	
The Union Marine Insurance Co., Ltd	
United States Fidelity & Guaranty Co	
United States Fire Insurance Co.t	
United States Lloyds, Ine	
109. Western Assurance Co.
110.
111.
112,
113.
114
The Western Casualty Co	
Westchester Fire Insurance Co. J	
The World Marine & General Insurance Co. Ltd.
The Yang-tsze Insurance Association, Ltd	
The Yorkshire Insurance Co., Ltd	
Totals.
Accident.
8    1,568 73
6,805 00
181 25
37,928 23
4,776 39
31,899 64
6,17: 10
"681 S/
I    »1,667 08
(      1,902 89
15,999 70
681 90
106 30
7,717 42
54 96
517 38
' 3,590 46
7,833 44
2,061 34
S.044 47
6,375 74
3,053 67
307
1,817 92
18,403 13
♦2,043 85
1,147 00
8,034 22
$ 317,742 98
$       158 96
(i 45
6,815 59
9,483 32
941 76
9643
631
175 00
264 40
Nil.
7,034 27
Nil.
6 00
'1,410
439 29
24,002 43
Nil.
2,621 67
452 23
3,510 66
1,403 56
1,615 77
113 59
1,269 56
1.46S 20
6,759 21
Nil.
' 818 33
6,988 63
SICKNESS.
Premiums.
$    1,085 67
8,854 34
18,663 80
3,818 92
46i 56
4,230
99 67
2,667 91
553 29
1,709 99
3,392 77
7,357 08
3132,280 78 $ 134,912 85
349 97
2 86
14,515 98
10,128 84
14,225 0:
3,821 54
"7642
Liability.
Premiums.
$      834 98
S05 20
...
1,011 40
3,148 07
"'296'94
355 20 1,007 20
1,673 01
■   16 60
210 71
'i.683'35
159 I
100 00
1,049 43
3,959 56
1,214 71
'12668
5,879 59
51 32
' 2,987 85
3,812 85
t 87,035 57
863 2'
711 30
170 10
109 64
1,683 79
3,620 33
317 64
16 38
284 86
2,052 11
100 52
106 40
3,660 63
550 I
$ 25,!
8 91 90
Nil.
Nil.
963 59
Nil.
Nil.
Nil.
5,000 00
Nil.
636 00
Nil.
12 50
Nil.
Nil.
27 60
$ 10,476 75
Automobile.
7,622 50
8,417 66
2,718 00
56 58
341 26
32,580 39
6,346 85
15,983 00
726 03
6,327 80
6,082 43
641 85
2,133 70
426 55
26,518 12
19,426 61
9,980 16
25,965 46
50 72
676 54
781 73
7,252 45
16,732 17
280 07
12,322 49
5,762 69
6,250 58
1,030 00
1,932 12
15,595 OS
13,683 71
2,228 75
24,462 03
4,236 05
4,414 18
17,001 87
2,982 28
13,985 81
29,177 66
8,309 50
14,696 54
780 92
2,439 09
26,432 38
1,093 94
3,760 41
1,817 65
1,493 65
9,354 84
20,320 27
16,094 64
11,366 08
7,206 33
4,421 19
3,688 61
2,422 75
si.i-ji 68
412 28
7,537 53
6,730 98
1,093 16
24,659 53
391 41
4,801 35
10,391 55
7,399 36
1,227 18
2,264 72
4,105 88
1,761 37
8654,963 65
4,332 79
2,723 51
953 25
Nil.
303 30
7,643 83
38,487 57
2,070 01
3,927 00
1,768 02
1,432 91
1,737 78
544 87
144
1,763 43
16,179 22
8,732 68
526 65
9,910 63
Nil.
43 25
752 29
6,141 81
Nil.
6,454 69
12,211 50
2,390 00
Nil.
474 42
9,650 01
8,291 01
25 80
8,579 30
1,793 95
5,315 56
6,972 48
1,042 30
7,255 03
10,952 62
2,934 52
968 96
389 30
1,068 62
8,779 88
14,876 55
"i',489'55
163 15
438 94
207 26
147 46
3,936 13
4,303 22
11,628 81
1,956 60
1,063 65
1,599 08
5,893 12
1,403 12
'4,is6'2i
4,814 55
Nil.
3,324 74
4,208 62
Nil.
3,209 27
1,194 07
4,288 75
2,845 10
1,887 53
4,511 13
$300,469 87
Premiums.
8 3,813 59
568 00
1,409 29
3,227 69
1,410 69
4,496 89
'2^ 709 '66
754 82
692 95
214 00
65 00
142 71
8 29,899 12
Losses.
8   359 90
927 00
122 00
1,884 4'
305 10
Nil.
Nil.
Nil.
Nil.
Nil.
132 00
4,673 17
Nil.
171 00
8    9,508 29
Guarantee.
Premiums.       Losses.
8 1,092 52
13,967 24
14,867 05
1,899 70
3,747 91
4,979 73
2,859 37
846 61
203 00
90 00
306 33
736 30
1,051 20
8 68,458 84
8   10 00
400 00
903 24
502 47
618 14
657 92
mi.
Nil.
355 05
Nil.
Nil.
731 06
9,893 63
2,709 40
Nil.
Nil.
Nil.
6,023 46
Plate Glass.
8 34,578 I
3,088 00
261 57
1,046 24
32 19
2,456 96
131 47
986 44
396 04
328 32
628 71
540 76
.,105 46
391 18
1,351 55
3,599 65
1,916 76
2,281 52
'6,82618
2,777 98
735 12
8 22,977 20   8 77,092 58
8  10,583 62
820 00
15 80
' 3,905'66
Nil.
1,332 08
517 07
52 60
520 12
SO 03
130 29
1,285 26
210 57
Nil.
559 88
380 05
Premiums.
7,375 01
3,011 41
3,861    -
2,438 70
5,788 54
9,808 28
23,953 13
28,301 95
6,554 54
'i-9,278'50
1,611 65
2,022 01
6,215 04
31,180 96
4,281 70
i'.56d'(
12,453! 50
11,210| 18
4,736 00
1,468 34
Nil.
1,015 56
78 59
827,149 07
11,524] 89
14,351] 89
' 2,33379
9,502
1,686 56
24,829 84
11,529-40
23,230 10
8415.6421 68
Losses.
-3,109 33
Nil.
2,074 48
Nil.
1,535 34
"4,887 57
9 02
432 36
1,095 13
11,664 76
"l.oii'ds
Nil.
5,137 09
1,203 46
6,904 77
Live Stock, Steam-boiler,
Sprinkler Leakage,
Inland Transportation,
Explosion, Tornado,
Forgery, and Rainfall.
(Indicated by Initial
letters.)
Premiums.
I.T. 8    62 00
I.T.
60 78
E. "62 50
S.B." 2,524'16
E.
I.T.'
480 00
"25OO
E. 331 18
S.B.'' 4^35 23
e.' 400 66
S.B.
L.S.
E.
E.
312
2 33
1,302 46
I.T. 131 05
R. 10 55
S.L.   1,564 25
K -6 17
I I.T. 110 00
I S.L. 184 32
I E. 88 32
I I.T. 791 24
I E. 1,228 10
I.T.   1,662 52
E. •      300 00
I.T.    1,299 85
S.L.       768 12
F. 395 !
E. 6 !
L.S."   "560':
31,495 00
Nil	
'i',833'46   I.T.'T255 04
1,515 99
9,517 59
Nil.
10,050 28
1,861 78
24,683 44
$217,267 97
S.B.        52 00
I I.T.    567 42
I E.       223 19
L.S.   1,454 53
8    30,293 96
Nil.
1   iii 22
' Nil
Nil.
"9i 91
Nil.
"mi.'
845 00
Nil.
Nil.
15 80 f
HI. J
32 211
495
Nil.
32 21]
43 99
Nil.
2,116 75
Nil.
Nil.
Nil.
"'29'75
3,450 05
Nil.
59 85 )
Nil.      f
390 00
Total
Premiums.
15,059 51
19,824 56
6,640 60
56 58
403 76
2,524 16
2,438 70
19,459 59
5,788 54
34,578 86
32,580 39
16,156 13
33,964 00
726 03
6,327 80
21,720 53
23,953 13
889 60
1,046 24
75,220 05
906 55
59,312 18
75,757 30
38,282 11
47,681 53
50 72
9,678 21
1,463 53
1,181 73
52,157 01
28,192 46
1,299 35
2 33
16,137 07
46,764 80
25,041 19
846 61
9,465 96
2,479 92
3,631 80
15,977 72
27,404 70
2,383 3S
91,093 02
1,662 52
6,173 40
4,714 18
32,109 00
2.982 28
2,022 01
20, iOO 86
47,968 30
8,309 50
16,292 50
14,696 54
2,080 77
Total
Losses.
1,223 46
3,694 24
3,141 95
Nil.
303 30
388 68
Nil.
7,643 83
242 40
10,683
38,487 57
3,313 88
15,048 00
1,768 02
1,432 91
2,778 82
13,229 75
554 18
3,905 00
23,149 92
1,703 43
36,014 00
34,696 34
17,495 99
16,429 59
Nil.
733 17
Nil,
752 29
39,267 87
6,434 57
84,828 29
204 83
36,210 00
391 18
116 47
1,351 55
1,707 08
2,889 52
3,760 41
1,035 80
33,005 60
13,561 41
21,105 58
i0,320 27
32,579 72
11,366 08
28,883 52
1,560 95
4,421 19
22,577 40
19,464 89
14,876 25
11,210 18
44,766 10
4,735 00
3,053 67
6,935 59
2,357 34
4,982 94
13,192 21
24,241 23
6,730 98
14,351 89
1,093 16
26,676 60
2,333 79
12,529 44
18,403 13
4,801 35
21,998 33
7,399 36
20,234 83
2,264 72
1,686 56
29,726 33
18,338 20
11,529 40
23,230 10
18,709 81
8    8,354 11 81,754,930 59
10,132 25
1,365 12
Nil.
1,535 34
29,588 86
17,099 07
Nil.
3,286 40
Ml.
17,809 38
42 30
44,278 22
2,116 75
7,140 95
5,315 56
11,379 66
1,042 30
9 02
7,687 39
29,383 20
2,934 52
9,090 60
968 96
389 30
2 174 37
32,782 31
Nil.
14,876 55
Nil.
4,4b9 55
586 49
2,709 40
1,258 28
438 94
353 16
11,872 02
3,429 01
7,149 08
4,303 22
Unsettled
Claims.
20,127 01
1,956 60
10,933 60
Nil.
1,699 08
11,030 21
9,560 40
2,606 58
6,904 77
7,973 80
31,495 00
1,615 77
5,048 72
Nil.
1,468 34
5,283 51
10,473 89
4,208 62
2,997 45
Nil.
3,314 09
1,515 99
4,456 05
6,769 21
1,194 07
13,806 34
2,845 10
11,226 80
Nil.
14,621 26
6,988 63
1,861 78
24,683 44
9,251 43
$815,519 61
2,195
Nil.
Nil.
Nil.
Nil.
Nil.
872
Nil.
Nil.
7,096
185
2,310
Nil.
50
222
1,900
Nil.
Nil.
00
4,708
sa.
84
3,738
Nil.
Nil.
Nil.
Nil.
Nil.
Nil.
Nil.
450
00
00
250 00
Nil.
Nil.
67 51
4,300 00
500 00
Nil.
1,947 00
Nil.
Nil.
Nil.
Nil.
Nil.
240 00
1,300 00
Nil.
1,025 00
Nil.
867 00
22,246 00
10 00
900 00
680 00
10 0U
893 65
3,662 13
Nil.
3,319 47
Nil.
Ml.
Nil.
2,001 00
Nil.
184 14
100 45
1,090 00
546 OO
260 00
1,185 00
1,791 00
Ml.
2,436 02
Nil.
3,847 70
Nil.
4,985 00
Nil.
4,360 00
1,278
Nil.
Nil.
665
3,842
Nil.
85
Nil.
25
Nil.
Nil.
Nil.
Nil.
295
272
Nil.
99,276
66
Nil.
988 50
Nil.
Nil.
3,250 00
60
51
52
63
54
65
56
57
58
59
60
(il
62
63
01
65
(ili
67
OS
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
110
111
112
113
114
$210,955 75
* Accident and sickness,   t Report not yet received.   J Transacted no business.
 13 Geo. 5
Eeport of the Superintendent of Insurance.
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 13 Geo. 5 Eeport of Fire Marshal. Y 29
REPORT OF FIRE MARSHAL.
Office of Fire Marshal,
Vancouver, B.C., June 1st, 1923.
J. P. Dougherty, Esq.,
Superintendent of Insurance,
Parliament Buildings, Victoria, B.C.
Sir,—I have the honour to submit my first annual report as Fire Marshal for the year
ended December 31st, 1922.
Organization.
• The staff consists of the Fire Marshal, Deputy Fire Marshal, Chief Clerk, and Stenographer
in the head olfice. In addition, there are ninety-seven Local Assistant Fire Marshals located in
the cities, municipalities, towns, and fire districts throughout the Province.
Fire Districts and Provincial Police Districts.
Twelve towns and villages in the unorganized districts of the Province have been gazetted
as fire districts under section S of the Act. In a number of these the Provincial Constables
located in the districts have, with the consent of the Superintendent of Police, been appointed
Assistant Fire Marshals. The excellent work done by these men cannot be too highly commended.
In other unorganized districts the assistance of the Deputy Inspectors, Chief Constables, and
Constables in investigating and holding inquiries into suspicious fires has been of great value.
With the present staff it would be simply impossible to do this work' without their assistance.
Policy.
In carrying out the provisions of the Act it has not been our policy to have orders issued
from this office. In every case the responsibility for enforcing fire-prevention laws and providing for a regular system of inspection has been put squarely up to the Councils and Assistant
Fire Marshals. Advice and assistance has been given when requested. No attempt has been
made to override any local by-laws, and only in eases where there <s no local by-law to cover
the situation have regulations been made by the Fire Marshal, and then only after consultation
with members of the Council or local officials. After an experience of twelve months we feel
that the Act is working successfully and that we are receiving the support and co-operation
of the best citizens of the Province.
Education.
The work of educating the public as to the danger from fire has been carried on during
the year. Addresses have been made before public service clubs, public meetings, and schools.
A projection-machine has been purchased and has been of great value in showing fire hazards
and the best means of preventing fire. In addition to this, advice and assistance in making
inspections has been given to the Assistant Fire Marshals in the rural municipalities and smaller
towns of the Province. -Assistance in the work of organizing and equipping fire departments
has been given in a number of cases when requested.
Fire Investigations.
One thousand six hundred and eighty-nine fires occurred during the year, every one of
which was investigated and report filed in this office. Eighteen inquiries were held by the Fire
Marshal, and while but few cases of arson were discovered, yet the moral effect and the experience gained has been of great value in preventing similar fires in other places. One result of
these inquiries was to remove suspicion from and prevent the arrest of innocent parties who
had been the victims'of circumstances over which they had no control.
Fire Losses.
The fire-loss tables which are part of this report show a loss for the year of $3,252,368,
as against $2,342,968 for the year of 1921, giving an increase of $909,400.   This increase of fire
losses for the year was common to the United States and Canada and has been ascribed to
 Y 30 British Columbia. 1923
the unusual dry season. A glance at our table of causes shows that sparks were responsible
for 434 fires, causing a loss of $633,757. Of these sixty-eight were due to bush fires, with a loss
of $205,310. The fires from preventable causes still loom large. On the other hand, we had
159 fires, with a loss of $524,035, from exposure, a cause over which the sufferer had no control.
Industrial Plants.
The loss on industrial plants for the year amounted to $1,250,673. These figures do not
take into consideration the enormous economic loss in wages to the working-men, loss of profits
to the owner before the plants could be rebuilt, and general business depression in the immediate
locality of the plant. It is obvious that, in a Province with a population of less than 600,000
which is trying to develop its industries, this is a serious matter and should receive very careful
consideration on the part of the Government. On the line of fire-prevention in these plants
surveys have been made during the year with the view of installing automatic sprinkler systems.
Estimates of cost have been made and submitted in several cases, but the question of finance has
always interfered. Many serious fires have been caused by sparks from sawmill burners. The
question of a proper burner for consuming refuse and preventing sparks from "spreading over
the adjoining property is receiving our serious consideration.
Incendiary Fires.
Of the number of fires for the year, only ten, or 0.59 per cent., have been ascribed to arson.
Several arrests were made, but in no case were we able to convince the jury that the man
was guilty. AVe believe, however, that the small number of fires ascribed to this source is very
creditable to the morals of the people of British Columbia.
Loss of Life.
Ten lives were lost through fire during the year, eight adults and two children. Seven of
these fires occurred in dwellings and the causes assigned show clearly the need of warning
parents and children against carelessness.
Conflagration  Hazard.
These hazards, in the shape of old and dilapidated buildings, are still with us. On another
page is shown a number of pictures taken by the Deputy Fire Marshal during his inspections.
A glance at these will show clearly the danger of these old deserted buildings in a number of
our cities and towns. While an attempt has been made with some measure of success to do
away with some of the worst of these, there has been considerable feeling against the enforcement of orders in this regard. Only a conflagration will awaken the civic officials to the dangerous menace of these disreputable old shacks.
FlltE-PREVENTION WORK.
During the year 41,000 inspections have been made. In all cases reco.mmendations and
suggestions have been made on the line of fire-prevention. A number of serious hazards were
discovered and 6,000 orders were issued under section 17 of the Act. Out of this number, 125
persons failed to carry out the orders and were convicted and fined. That this work has brought
results is shown in the report of the Fire Department of the City of Vancouver, an extract from
which is attached:—
" We have also the Provincial ' Fire Marshal Act,' which has been in operation since the
beginning of 1922, and under the provisions of which a great amount of our work is done. It
is a very good Act. Wide in its scope, and so far has not appeared to have a technical loophole. I would consider myself remiss if I did not say a word of praise regarding the support
we have received from the Provincial Fire Marshal and his staff in the enforcement of orders
issued under the Act. We find that they have backed us to the limit and enabled us to carry
on the good work.
" As to the benefit of inspection-work carried out and enforced, I can do no better than take
the City of Vancouver as an example, for it is here that prevention-work has shown by facts
and figures that prevention pays.
" From the date of organization, August 9th, 1920, to the end of the year 1922, this Department made 44,546 inspections and served 9,706 notices: 381 summonses were issued, of which
 18 Geo. 5 Eeport op Fire Marshal. Y 31
only nine were dismissed in the Courts, while fines totalling $3,876.50 were paid into the city
treasury through the Courts; 237 fire-escapes were ordered erected; 164 buildings were equipped
with fire-exit lights and 391 buildings equipped with fire-gong systems; 180 basements and
furnace-rooms were protected and made fire-resisting.
" For the three years previous to organization the fire loss for the City of Vancouver was
$2,925,559, while for the latter three years it was $1,074,933, a direct saving of $1,850,626. We
find also that the fire loss was never so low in this city since the year 1911. Surely these figures
prove the benefit of inspection. Then let us take the loss of life. For the years 1918, 1919,
1920, the loss of life from fire reached the total of fifteen. For the years 1921, 1922, and the
present year to date, we find it reduced to two, one being the death of a young lad, caused by
the explosion of a gasolene-torch, and the other the death by suffocation of a man smoking in
bed.   Can more be said in favour of inspections? "
Another result is shown in the following extract from a letter by the Secretary of the
Underwriters to the Fire Marshal:—
" In connection with the request you made to us some few weeks ago for information in*
regard to the amount of rerating-work done in this Province, I have pleasure in advising you
that reinspections have been made and new rate-books issued in nineteen cities and villages.
Generally speaking, a substantial reduction in fire-insurance rates has resulted therefrom."
Appeals.
Fifty-seven appeals from the orders of the Assistant Fire Marshals were made and disposed
of by the Fire Marshal. There has been no appeal from the Fire Marshal's ruling to the County
Court during the year.
Cost of Fire-protection.
In addition to our fire losses, our records show that the people of British Columbia paid
during the year 1922 for salaries for fire departments, $635,861; for new equipment, $42,415;
for improvements to .water systems, largely for fire-protection, $231,790; a total of $910,066.
These figures do not take into consideration the value of equipment on hand January 1st, 1922,
nor the money invested in fire-halls. The last item alone in the City of Vancouver amounts to
over $400,000.
I have, etc.,
J. A. THOMAS,
Fire Marshal.
 Y 32
British Columbia.
1923
TABLE I.—FIRES REPORTED.
Districts reporting.
Number.
Amount of
Loss.
.City Municipalities (Si).
Alberni    •	
Armstrong  	
Chilliwack   	
Courtenay   	
Cranbrook   	
Cumberland  	
Duncan   	
Enderby    	
Fernie    	
Grand Forks	
i&reenwood  	
Kamioops    	
Kaslo   	
Kelowna    	
I.adysmitb   	
Merritt	
Nanaimo   	
Nelson   	
New  Westminster  .. •	
North Vancouver 	
Phoenix   	
Port Alberni  	
Port Coquitlam	
Port  Moody   .	
Prince   George   	
Prince  Rupert   	
Revelstoke    	
Rossland   	
Salmon Arm  	
Slocan   	
Trail    	
Vancouver	
Vernon  	
Victoria   	
Totals    	
District Municipalities f28J.
Burnaby 	
Chilliwack   	
Coldstream   	
Coquitlam   	
Delta   	
Esquimalt.   	
Fraser Mills  	
Kent    	
Langley   	
Maple Ridge  	
Matsqui   	
Mission    	
North Cowichan  	
North   Vancouver   	
Oak Bay  	
Peachland   	
Penticton    	
Pitt Meadows	
Point Grey	
Richmond    	
Saanich   	
Salmon Arm  	
South Vancouver  	
Spallumcheen   	
Sumas   	
12
'5
12
10
10
5
2
22
12
680
36,820
240
17,090
23,569
15,304
1,698
285
26,254
8,908
13
6,981
3
445
13
19,490
3
1,472
7
15,072
26
8,874
23
42,255
44
196,728
30
6,441
2
1,750
6
8,690
7
14,430
10
4,945
21
15,609
14
61,336
7
5,490
1
22
8
3,999
414
399,248
3
1,910
187
351,201
934
$1,297,245
44
$  55,210
12
40,841
1
400
o
3,290
7
6,784
8
3,167
6
7,255
12
24,341
9
13,351
8
23,684
8
14,401
9
4.135
8
8,916
10
2,395
1
2,100
10
6,252
1
3,955
44
43,882
36
194,267
18
73,026
1
100
80
37,43S
478
 13 Geo. 5
Eeport of Fire Marshal.
Y 33
TABLE I.—FIRES REPORTED—Continued.
Districts reporting.
Number.
Amount of
Loss.
13
19
20
$
129,624
39,980
11,074
Totals   	
388
17
15
3
27
25
25
22
26
7
75
9
35
21
28
13
$
$
750,346
70,383
80,808
Unorganised Districts (15).
Fort St. John	
73,315
141,149
•
137,719
105 677
13,870
262,640
14,372
99,941
47,811
18,8S4
Yale   	
Totals    	
348
1
o
1
2
1
1
1
2
8
$1
$
Fire Districts (13).
Pacific  Mills,   Ltd	
1,862
12
25
Telkwa  	
30
5,755
19,459
19
$
27,213
1,689
$3
Note.—Construction of buildings—
Fire-resisting      4, loss $        1,903
Brick     138, „ 453,131
Frame    1,547, „ 2,797,334
1,689,
$3,252,368
 Y 34
British Columbia.
1923
TABLE IL—CAUSES OF FIRES.
Causes of Fires.
Number.
Amount of
Loss.
1
$    313
21
4,671
1
50
4
175,336
1
789
1
83
1
54
1
6,285
1
35
1
325
1
8
8
327
3
98
19
5,048
1
40
1
36
1
237
36
12,951
1
125
5
1,050
1
2,025
3
37
2
1,780
1
11
4
2,529
S3
75,549
2
1,350
1
100
27
11,180
2
1,025
11
69,134
1
20
2
2,900
1
2
2
476
1
25
1
2,700
49
44,142
30
71,199
34
8,503
159
524,035
1
107
3
6,273
1
25
1
6,844
1
300
8
12,595
1
101
1
1,000
12
5,662
1
2,850
2
1,115
6
7,522
2
196.959
1
235
1
30
1
95
10
19,552
6
44,259
9
11,773
1
13,007
4
11,080
1
36
1
42
8
2,964
1
20
606
$1,371,029
Abnormal flow of gas from treater  	
-Ashes against wood  	
Asphaltum in tank boiled over	
Boiler  insufficiently  protected   	
Brooder explosion   	
Broom igniting from hot ashes	
Building fire on hearth	
Bunting from candle	
Burning paint off wall with torch   	
Burning tree set fire to roof 	
Bursting of hose on gas-tank to torch	
Candle carelessness 	
Canned heat upset  	
Carburettor back-firing 	
Cleaning rag left near exhaust	
Clothes too near hot-air register  	
Clothes too near steam-pipes  	
Clothes too near stove or stove-pipe	
Coal explosion  	
Coal-oil carelessness   	
Coal-oil sterilizer exploded   	
Curtains from candle   	
Curtains from lamp   	
Curtains from stove   	
Defective brooder   	
Defective chimney  	
Defective feed-cooker   	
Defective film 	
Defective fireplace 	
Defective forge	
Defective furnace or furnace-pipe	
Defective gas connection   	
Defective gasolene-pipe	
Defective incubator  	
Defective mufller   	
Defective oil-feed connection 	
Defective oven   	
Defective stove or stove-pipe  	
Defective  wiring   	
Electrical appliances 	
Exposure   	
Fat boiled over on stove	
Fire-crackers   	
Fire in  dust-chute	
Friction of engine-haul back-line on cedar log   	
Fumigation of nesting-boxes  	
Furnace or furnace-pipe insufficiently protected  	
Gas-burner insufficiently protected  	
Gas igniting on muffler  	
Gasolene carelessness  	
Gasolene explosion	
Gasolene-torch explosion   	
Grease on stove 	
Hot box	
Hot castings 	
Hot iron in bed 	
Hot iron used in cleaning out bored hole in propeller-shaft of motor-boat
Incendiary    	
Lamp explosion   	
Lamp  upset   	
Lantern explosion  	
Lantern  upset   	
Lighted torch left in car  	
Lightning   	
Live coals  	
Log falling from fire-basket	
Carried  forward   	
 13 Geo. 5
Eeport of Fire Marshal.
ot)
TABLE IL—CAUSES OF WIRES—Continued.
Causes of Fires.
Number.
Amount of
Loss.
Brought forward  	
Match  carelessness   	
Matches, children with  	
Matches, mice with  	
Mice chewing electric wires   	
Monkey tied to gas-pipe turned on gas, causing explosion from'pilot light
Oil boiled over on stove 	
Oil-stove  explosion   	
Oil-stove upset  	
Oven insufficiently protected 	
Overheating of bearings in planer	
Overheating of drying-oven  	
Overheating of dry-kiln   	
Overheating  of  fire-boxes	
Overheating of machinery bearings  	
Paper  from  lamp   	
Paper from stove	
Paper gasket disks ignited in drying-oven	
Rubbish around stove  	
Rug too near stove  	
Sacks falling on steam-pipe	
Shortage in starter-switch  	
Short circuit	
Smokers'  carlessness	
Smoke-stack insufficiently protected  	
Sparks from acetylene blow-torch  	
Sparks from boiler	
Sparks from burning rubbish   	
Sparks from bush fire   	
Sparks from chimney  	
Sparks from crucible	
Sparks from Dutch oven	
Sparks from  engine   	
Sparks from exhaust   	
Sparks from fireplace  	
Sparks from forge  	
Sparks  from  furnace   	
Sparks from grass fire  	
Sparks from kiln  	
Sparks from mill burner   	
Sparks from smoke-stack  	
Sparks from stove or stove-pipe   	
Spontaneous   combustion   	
Stove explosion    •	
Stove or stove-pipe insufficiently protected  	
Tar boiled over on stove	
Thawing pipes   	
Tractor back-firing	
Unknown  	
Varnish boiling over on stove	
Wood too near furnace   	
Wood too near stove	
Totals   	
606
81,371,029
19
17,949
29
10,806
3
3,365
1
lo
1
94
1
200
6
6,079
3
75
o
49
1
222
1
1,700
3
6,010
i
75,609
i
3,258
i
750
i
5
i
298
i
8
i
125
i
515
i
13
33
42,383
109
97,284
1
807
1
193
4
55,934
9
15,003
68
205,310
237
99,660
1
93
1
35,000
6
6,6-51
1
75
44
7,441
3
370
5
6,872
1
1,500
1
25
4
136,760
5
14,166
43
48,704
27
77,216
8
7,744
90
134,572
4
4,698
9
1,275
1
162
274
739,674
3
1,845
1
0
10
12,772
1,689
$3,252,368
 Y 36
British Columbia.
1923
TABLE III.—CLASSIFICATION OF PROPERTY BURNED AND  CAUSES.
Property.
Apartments
.Automobiles
Barns and stables
Blacksmith-shops
Boarding-houses
Boat-houses
Causes.
18
.Awnings     5
Bakeries    2
Banks    3
Barber-shops     1
Barges     1
Barns      44
Amount of Loss.
Defective stove  1
Electrical  appliances    1
Gas-burner insufficiently protected     1
Grease on range     1
Incendiary     1
Match  carelessness  1
Matches, children with    1
Short circuit  1
Smokers' carelessness     6
Sparks from chimney     2
Tar boiling over on stove    1
. Unknown     1
Carburettor back-firing    12
Cleaning rag left -near exhaust  1
Defective gas connection     1
Defective gasolene-pipe    2
Defective muffler     1
Defective wiring  2
Exposure     1
Gas igniting on muffler    1
Gasolene carelessness  3
Lighted torch left in car  1
Short circuit  8
Shortage in starter-switch    1
Smokers' carelessness    3
Sparks from bush fire  '3
Unknown     12
Smokers' carelessness     5
Exposure     1
Sparks from chimney     1
Exposure     2
Sparks from chimney     1
Exposure     1
Oil boiling over on stove  1
Defective brooder    1
Exposure     3
Lantern explosion     1
Lantern upset  3
Matches,  children with    1
Smokers' carelessness     3
Sparks from burning rubbish     3
Sparks from bush  fire     7
Sparks from chimney    2
Spontaneous combustion   3
Thawing pipes     1
Unknown  16
Fumigation of nesting-boxes    1
Unknown     1
Defective forge  1
Exposure     1
Sparks from forge  1
Unknown     1
Defective fireplace     1
Exposure     3
Unknown     1
Hot iron used in cleaning out bored hole in
propeller-shaft of motor-boat     1
10
3
101
107
160
25
120
847
190
35
1,350
172
4,996
40
20
2,900
300
475
1,450
1,000
2,622
36
1,682
13
400
1,58-1
6.6-10
950
1,195
309
10
1,534
4,520
13,007
10,620
1,000
9,056
3,457
8,019
989
5,167
800
24,989
300
1,100
825
18
110
$        551
3,044
30'
3,126
24,159
175
2,145
319
94
200
83,158
1,400
1,611
3,625
95
 --■'■'■       '
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u» **«
 CO i\ FL AGRATIO N-11KEEDEKS.
 13 Geo. 5
Eeport of Fire Marshal.
Y 37
TABLE III.—CLASSIFICATION OF PROPERTY BURNED AND CAUSES—Continued.
Property.
Causes.
Amount of Loss.
Boiler-houses  5
Bottling-works     1
Brick-kilns    1
Bridge-timbers      1
Bunk-houses     3
Caddy-houses  1
Canneries  2
Car-repair shop  1
Carriage-shed      1
Chicken-houses     10
Churches
Church and dwelling
Clubs   	
Concentrators     1.
Cooperages .. . .  1
Creameries    .1.
Dairies    2
Dispensary  (Drug)  ........ 1
Dry-kilns  3
Dwellings    976
Boiler insufficiently protected
Live  coals	
Sparks from furnace	
Unknown   	
Sparks from smoke-stack
Sparks  from  kiln   	
Unknown  	
Incendiary	
Paper from lamp	
Sparks from bush fire   . .
Smokers' carelessness
Exposure   	
Sparks from chimney
Unknown   	
Exposure   	
Ashes against wood ..
Brooder explosion . . .
Defective brooder
Match carelessness ...
Sparks from bush fire
Unknown   	
Defective furnace  ...'. ..
Exposure	
Sparks from chimney  . . .
Stove-pipe insufficiently protected
Unknown   	
Match carelessness	
Exposure   	
Short circuit , . .	
Smokers' carelessness . .
Sparks from chimney ..
Spontaneous combustion
Unknown   	
Lamp explosion   	
Unknown   	
Unknown   	
Defective chimney	
Sparks from smoke-stack
Exposure   	
Overheating of dry-kiln   . . . .
Sacks  falling on  steam-pipe
Ashes against wood  	
Boiler insufficiently protected	
Broom igniting from hot ashes  . . .
Burning paint off wall with torch
Burning tree set fire to roof  	
Candle  carelessness 	
Canned heat upset ; ...
Clothes too near hot air register  .
Clothes too near stove  	
Coal explosion	
Coal-oil carelessness	
Curtains from candle	
Curtains from lamp	
Curtains from stove  	
Defective chimney   .	
Defective fireplace  	
Defective furnace	
1
$
5,000,
1
500
1
3,190
2
2,926
11,616
1
50
1
25
1
121
1
$
30
1
2,800
1
800
3,630
1
8,700
1
$
1,378
1
10
1,388
1
3,411
1
1,150
1
$
100
1
789
3
995
1
2
1
571
3
820
3,277
1
$
25
1
59
1
45
1
1,155
1
300
1,584
1
25
1
$
400
1
572
2
1,512
3
71
1
3,750
2
717
7,022
1
32,000
1
85
1
255
1
$
850
1
25
875
160
1
2
$
1,410
1
515
1,925
15
$
806
1
86
. 1
.83
1
.-. , 35
1.
- 325 •
6
.  197..
2
20
1
36
32
7,662 -1
1
. 125
4
149
3
37
2
1,780 - ■
': .  1 ■ ":
1
11 '
64
55,994
24
10,433
8
4,851
 Y 38
British Columbia.
1923
TABLE III.—CLASSIFICATION OF PROPERTY BURNED AND CAUSES—Continued.
Property.
Causes.
Amount of Loss.
Dwellings         976
Dwellings and greenhouses.
Dye-works   	
Electrical  plants   	
Electroplating plants	
Elevators  	
Engineering-works   	
Engines   	
Factory (bedding)   	
Factory   (can)    	
Factory  (candy)  	
Factory   (fruit-packing)   . .
Defective oven    1
Defective stove or stove-pipe     39
Defective wiring  17
Electrical appliances  27
E.-cposure,  48
Fire-crackers     1
Furnace insufficiently protected  5
Gasolene carelessness     2
Gasolene explosion  1
Grease on stove    2
Hot iron in bed  1
Incendiary     1
Lamp explosion     4
Lamp upset  6
Lightning      1
Live coals  1
Log falling from fire-basket  1
Match carelessness  11
Matches, children with    20
Matches, mice with     2
Mice chewing electric wires     1
Oil-stove  explosion     5
Oil-stove upset    3
Oven insufficiently protected    1
Paper from stove  1
Rubbish around stove     1
Rug too near stove    1
Short circuit  4
Smokers' carelessness    36
Sparks from burning rubbish  3
Sparks from bush fire  37
Sparks from chimney    205
Sparks from fireplace    41
Sparks from furnace    1
Sparks from grass fire     1
Sparks from  mill-burner     2
Sparks from smoke-stack    1
Sparks from stove  37
Spontaneous  combustion     7
Stove explosion  8
Stove or stove-pipe insufficiently protected... 72
Tar boiling over on stove     2
Thawing pipes     7
Unknown    125
Varnish boiling over on stove    2
Wood too near furnace  1
Wood too near stove  7
Stove-pipe insufficiently protected  1
Electrical   appliances     1
Defective muffler  1
Sparks from forge    1
Smokers' carelessness     1
Unknown     1
Defective oil-feed connection    1
Sparks from engine  1
Furnace Insufficiently protected     1
Overheating of drying-oven    1
Paper gasket disks ignited in drying-oven  .. 1
Exposure     1
Defective  stove-pipe     1
Spontaneous combustion    1
$    2,700
35,824
21,382
6,902
47,731
34
765
288
2,850
3,860
30
1,300
12,171
7,652
42
2,464
20
2,505
9,250
2,365
15
3,529
75
18
5
8
125
183
13,070
4,562
59,028
81,910
7,375
98
1,500
6
5
37,938
2,467
7,744
84,925
2,590
225
155,650
1,795
5
8,592
36,500
 13 Geo. 5
Eeport of Fire Marshal.
Y 39
TABLE III.—CLASSIFICATION OF PROPERTY BURNED AND CAUSES—Continued.
Property.
Causes.
Amount of Loss.
Factory (hardwood floors).
Factory (nut and bolt)   ..
Factory   (paint)   .	
Factory (roofing material).
Factory (sash and door).
Factory  (soda-water)   ....
Factory (toy)   	
Factory  (vinegar)   	
Factory  (wood-pipe)   	
Fertilizer  plant   	
Fire-halls   	
Foundries    	
Freight-cars   	
Gaols   	
Garages   	
Gas plants	
Gasolene stations	
Granaries  	
Grandstands and club-houses
Halls	
Hospitals
Hotels
4(
Sparks from furnace   1
Exposure    1
Varnish boiling over on stove  1
Asphaltum in tank boiled over  1
Exposure     1
Sparks from smoke-stack    1
Sparks from burning rubbish  1
Spontaneous combustion   1
Overheating of fire-boxes    1
Spontaneous combustion    1
Exposure  1
Hot castings  1
Sparks from forge   1
Sparks from furnace  1
Exposure     1
Spontaneous combustion  1
Unknown     1
Bursting of hose on gas-tank    1
Carburettor back-firing    1
Coal-oil carelessness     1
Defective wiring  3
Fire-crackers      1
Gasolene carelessness     2
Gasolene-torch explosion   1
Incendiary    2
Matches, children with    1
Short circuit  7
Smokers' carelessness     1
Sparks from chimney  1
Spontaneous combustion   1
Stove insufficiently protected     1
Tractor back-firing  1
Unknown     14
Unknown     1
Short circuit   1
Unknown     1
Defective  wiring     1
Defective chimney     1
Smokers' carelessness  2
Sparks from bush fire   1
Sparks from chimney    1
Clothes too near stove  1
Coal-oil sterilizer exploded  1
Defective wiring     1
Short circuit  1
Stove-pipe insufficiently protected  1
Canned heat upset  1
Defective chimney    2
Defective fireplace    1
Electrical appliances   1
Exposure     f
Furnace insufficiently protected  1
Gasolene carelessness     1
Incendiary     1
Match carelessness     1
Smokers" carelessness  10
Sparks from chimney    4
Sparks from stove-pipe  2
235
10
5
2,750
950
8
2
901
2,400
6,204
2,002
15
3,950
100
9,008
470
15
23,000
250
16'2
30,944
75
7,100
1,600
50
3,179
2,650
50
50
176
86
37
319
75,609
1,601
3,500
250
3,700
350
79,431
25
35
649
33,009
8,825
3,389
 Y 40
British Columbia.
1923
TABLE III.—CLASSIFICATION OF PROPERTY BURNED AND CAUSES—Continued.
Property.
Causes.
Amount of Loss.
Hotels ,.'.  :  40
Incinerators      1
Knitting-mills    1
Laboratories   (chemical)   ... 1
Launches     4
Laundries    3
Logging camps     10
Lumber-mills
Lumber-piles
Machine-shops
Mess-houses .. ;  3
Motor-cycles     1
Motor-houses     1
Offices    14
Offices and dwellings    1
Orphanages   ,  1
Paper-mills     1
Planing-mills    1
Playhouses  (children's)   .... 2
Pool-rooms    3
Spontaneous combustion  1
Stove-pipe insufficiently protected  1
Unknown    '  12
Boiler insufficiently protected    1
Spontaneous combustion  1
Smokers' carelessness     1 ■
Carburettor back-firing    2
Unknown  2
Clothes too near steam-pipe    1
Exposure  1
Unknown    .'  1
Ashes against wood  1
Friction of engine-haul back-line on cedar log 1
Sparks from bush fire  9
Sparks from  engine    .'  4
Unknown   .,  1
Boiler insufficiently protected  1
Exposure     1
Hot box  1
Incendiary  1
Short circuit  1
Sparks from boiler  1
Sparks from burning rubbish   1  1
Sparks from chimney  1
Unknown t ,  1
Exposure  1
Sparks from bush fire  3
Unknown  1
Defective forge  1
Exposure  3
Short circuit  1
Sparks from acetylene blow-torch     1
Sparks from boiler     1
Linknown  1
Sparks from chimney  1
Unknown     2
Gasolene carelessness    ■  1
Thawing pipes  1
Defective furnace j  1
Exposure 7     7
Fire in dust-chute    1
Match carelessness  2
Smokers' carelessness     1
Stove insufficiently protected  1
Unknown   ,  1
Electrical appliances    1
Sparks from chimney    1
Ashes against wood  1
Overheating of bearings in planer    1
Defective stove  1
Stove insufficiently protected  1
Exposure  2
Smokers' carelessness  1
3,500
17,000
90,380
 $   136,174
  300
  430
  2,650
50
80
 130
$       237
1,300
111
$        244
6,844
102,420
5,907
23,752
$170,000
583
51,959
6,000
150
859
6,940
20
8,674
15
9,000
30,848
200
19,355
18,506
193
30,000
9,088
1,390
1,925
258
13,265
25
374
6,000
10
14
20
15
4,834
2,726
1,648
139,167
245,185
39,863
77,342
3,315
90
250
19,946
10
125
3,482
222
35
7,560
 13 Geo. 5
Eeport of Fire Marshal.
Y 41
TABLE III.—CLASSIFICATION OF PROPERTY BURNED AND CAUSES—Continued.
Property.
Causes.
Amount of Loss.
Photograph studios  	
Post-offices  	
Post-offices and dwellings
Printing-offices   	
Pulp-mills	
Pumping stations	
Refrigeration plants   ....
Repair-shops   	
Restaurants  	
Restaurants and barber-shops
Restaurants and pool-rooms..
Rolling-mills   	
Rooming-houses   ..	
Rooms and offices
Roundhouses
Sawmills
Schools
Sheds
12
19
Defective stove -.. :  1
Exposure  1
Unknown     1
Sparks from bush fire     1
Unknown     1
Exposure     1
Spontaneous combustion  1
Unknown   '  1
Sparks from chimney     1
Unknown    1
Unknown  1
Match carelessness  1
Stove insufficiently protected  1
Unknown     1
Defective wiring     1
Exposure  3
Grease on stove   1
Smokers' carelessness    1
Stove insufficiently protected  1
Unknown  2
Unknown     1
Wood too near stove    1
Defective furnace  1
Defective chimney r.  1
Exposure     1
Gasolene carelessness  1
Lamp explosion  1
Smokers' carelessness  1
Sparks from chimney    1
Electrical appliances    1
Grease on stove   1
Smokers' carelessness  1
Sparks from boiler  1
Unknown  1
Hot box    1
Short circuit  1
Sparks from bush fire  1
Sparks from Dutch oven    :  1
Sparks  from  engine     1
Sparks from furnace  1
Sparks from mill burner    ,  2
Sparks from smoke-stack    1
Unknown  3
Defective chimney    2
Smokers' carelessness  1
Sparks from chimney  2
Sparks from stove  1
Spontaneous combustion   1
Stove-pipe insufficiently protected     1
Ashes against wood  1
Candle carelessness    1
Defective chimney  .'  1
Defective feed-cooker '.  1
Defective  stove-pipe  1
21
2,500
3,555
27,000
17,131
600
30
1,791
71
200
800
300-
4,900
1,698
75
4,800
9,147
3
2,076
30
25
$ 26
1,250
51
$  25,000
825
$145,000
3,499
7,712
35,000
500
400
136,754
14,000
40,289
$    1,230
1,600
803
2,000
157
10
$ 10
100
25
50
60
2,521
70
30,555
17,761
1,862
550
9,000
1,000
20,920
551
510
64,000
2,228
1,327
25,825
383,154
5,800
 Y 42
British Columbia.
1923
TABLE III.—CLASSIFICATION OF PROPERTY BURNED AND CAUSES— Continued.
Property.
Causes.
Amount of Loss.
Sheds
19
Shingle-mills     6
Ships     2
Smelting plants  2
Stables  :  11
Stores          104
Stores and apartments
10
Stores and dwellings
27
Exposure     2
Fire-crackers     1
Matches, children with    3
Spontaneous   combustion     2
Unknown     6
Overheating of dry-kiln  1
Overheating of machinery bearings    1
Unknown  . . ..;  4
Matches, mice with    1
Sparks from exhaust     1
Short circuit  1
Sparks from crucible  1
Defective feed-cooker  1
Exposure     1
Incendiary    1
Incubator from lamp     1
Lantern upset  1'
Sparks from burning rubbish  1
Sparks from bush fire    1
Unknown     4
Ashes against wood  2
Candle carelessness    1
Clothes too near stove    2
Defective  chimney    2
Defective stove-pipe  3
Defective wiring  4
Electrical appliances ..  1
Exposure     41
Furnace insufficiently protected  1
Gasolene carelessness     1
Incendiary     2
Lamp upset  1
Smokers' carelessness  14
Sparks from chimney  1
Sparks from stove-pipe    2
Spontaneous combustion  2
Stove insufficiently protected  5
Unknown    18
Wood too near stove  1
Exposure     1
Fat boiling over on stove    1
Matches, children with  2
Monkey tied to gas-pipe   ,  1
Oven insufficiently protected    1
Smokers' carelessness  2
Sparks from fireplace  1
Unknown     •  1
Clothes too near stove   j  1
Defective chimney    ,  2
Defective stove-pipe  2
Defective wiring  1
Exposure    I  9
Lamp  upset    :  1
Oil-stove explosion  1
Sparks from bush fire  3
Sparks from chimney  3
Stove insufficiently protected  1
Unknown    3
136
35
108
,424
725
4,
3,
17,
600
258
510
1,000
$    7
331
93
$    1
12
.300
235
200
2
460
7
658
652
12,
288,
3:
1
1.
23
1
23,
79;
2.
29
30
198
155
207
633
574
677
080
41
.418
820
624
22
228
.632
661
687
278
33
107
28
94
31
59
25
S,000
20
3,009
772
30
30,523
703
2,550
10,362
138
1,394
13,932
2,673
25,368
1,075
7,424
15,514
444,994
8,377
63,493
 13 Geo. 5
Eeport of Fire Marshal.
Y 43
TABLE III.—CLASSIFICATION OF PROPERTY BURNED AND CAUSES—Continued,
Property.
Causes.
Amount of Loss.
Stores,  dwellings, and  laundries     2
Stores and halls  1
Stores and  hotels  6
Stores and offices  14
Stores, offices, and apartments
Stores, offices, and hotels.. .
Stores, offices, and rooms. .
Stores and pool-rooms	
Stores and post-offices	
Stores and photograph studios
Stores and restaurants  ....
Stores and rooms
19
Street-cars     •    4
Temples and stores    1
Theatres  (moving-picture).. 1
Treater buildings    I
Tug-boats    3
Undertaking parlours     1
Undertaking  parlours  and
dwellings     3
|    m:   "i     f !
Warehouses    14
Warehouses and dwellings. . 1
Wharves           2
Wharves and offices           1
Totals  1,689
Exposure   	
Sparks from chimney
Sparks from chimney
Defective chimney .. .
Smokers' carelessness
Unknown	
Defective chimney   	
Electrical appliances	
Exposure	
Lamp upset	
Short circuit	
Smokers' carelessness
Tar boiling over on stove
Unknown   	
Unknown   	
Smokers'   carelessness
Smokers'  carelessness
Defective  stove   	
Exposure   	
Unknown   	
Sparks from chimney
Sparks from chimney
Unknown  	
Building fire on hearth .
Defective chimney   	
Defective fireplace  	
Exposure   	
Gasolene-torch explosion
Grease on stove  	
Match carelessness ....
Smokers' carelessness ..
Sparks from stove-pipe .
Spontaneous combustion
Wood too near stove ...
Short circuit	
Bunting from candle  	
Defective film 	
.Abnormal flow of gas from treater
Stove  insufficiently  protected
Unknown   	
Exposure  	
Sparks from chimney
Unknown   	
Defective chimney   0....
Exposure   	
Gasolene carelessness   	
Matches, children with	
Smoke-stack insufficiently  protected
Spontaneous combustion	
Unknown    	
Unknown  	
Short circuit 	
Sparks from boiler
Exposure
1.689
3,500
4,000
9,275
453
14,984
10
876
11,946
1,398
35
517
758
65,700
2,850
1,195
400
3,775
7,500
8,295
24,712
81,440
10,158
15
9,555
4,045
550
20
.,170
27,182
46
6,285
100
313
4,175
800
 Y 44
British Columbia.
1923
TABLE  IV.—SUMMARY.
FlEES REPORTED.
22 03
S5
U Ti    .
<D Po—,
6'3 5°
d m
tJj.3^
i-l t-l   ■
a £2 °
Sr
s*
AMOUNT   OE   LOSS.
OS
PO
faQ
1922.
January  .. .
February  ..
March	
April   	
May   	
June  	
July   	
August
September
October   ..
November    .
December
90
69
75
95
128
79
98
54
50
53
65
78
36
33
26
38
30
56
38
19
22
21
31
38
29
16
29
31
43
80
31
19
26
16
20
Totals, 1922.
Totals, 1921.
Totals, 1920.
Totals, 1919.
Totals, 1918.
934
844
787
853
619
388
304
219
204
220
348
210
176
164
105
19
4,037
1,335
1,003
19
134
137
117
163
189
178
218
105
92
103
114
139
1,689
1,358
1,182
1,221
944
6,394
202,079
30,724
30,661
71,503
357,928
77,498
134,557
74,838
25,453
213,852
38,366
39,786
67,500
30,972
146,120
39,776
52,858
91,214
94,877
19,774
69,212
30,940
49,825
57,278
$  11,
89,
35,
101,
38,
213,
280,
169
38
74,
56:
68,
096
044
059
796
908
,517
623
.986
106
538
.253
,638
1.15,497
10
1.EC3
71
10
3,617
5,755
450
$1,297,245
861,251
1,083,532
1,013,890
800,668
750,346
595,367
644,551
413,266
863,300
$1,177,
886,
907
500
431
564
350
449
736
,252
J27.213
$5,056,586
$3,266,836
$3,903,351
$27,213
280,675
166,237
211,840
213,085
449,694
382,229
511,860
264,669
132,781
322,947
150,199
166,152
3,252,368
2,342,968
2,635,532
1,927,892
2,095,226
$12,253,986
TABLE V.—LOSS OF LIFE, 1918-22.
Occupancy.
Cause of Fire.
Loss of Life.
Adults.
Children.
1
1
1
1
1
1
1
1
1
Dwelling	
Smokers" carelessness   	
Sparks from chimney *.	
1
Gaol	
Totals   	
8
10
12
2
4
2
Totals,  1921	
1.     ■
Totals,  1920	
1
Totals,  1919	
Totals,  1918	
  FOUND UNDER THE  STAGE IN A TIIEATUE SEATING 2,500 PEOPLE.
   INDEX.
ANNUAL STATEMENTS.
Page.
British Columbia Plate Glass Insurance Co  7
Policy Holders Mutual Life Insurance Co  8
Royal Plate Glass Insurance Co. of Canada    10
Wawanesa Mutual Insurance Co            11
Western Empire Life Assurance Co  13
TABLES.
Fire Insurance—
Companies licensed, List of December 31st, 1922   15
Companies admitted during 1922   5
Companies which withdrew, 1922    5
Premiums and Losses (net), 1922  19
Summary for 1918-22    21
Statement as to Disposition of Premiums received  21
Ratio of Losses incurred to Premiums written   21
Life Insurance—
Companies licensed, List of December 31st, 1922    17
Premiums, etc., 1922    23
Summary, 1918-22  24
Miscellaneous Insurance—
Companies licensed, List of December 31st, 1922    17
Companies admitted, 1922  5
Companies which withdrew, 1922   6
Provincial Licensees, Assets, Liabilities, etc  27
Premiums and Losses, 1922   25
Summary for 1918-22    24
Investments in British Columbia—
Life Companies    23
Other Companies  22
Fire Marshal's Report   29
VICTORIA, B.C.:
Printed by William H.  Ciillin, Printer to the King's Most Excellent Majesty.
1923.
 LIST OF COMPANIES LICENSED UNDER THE " INSURANCE ACT."
Y  17
Name of Company  and  Head  Office.
lEtna 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	
Atlas Assurance Company, Limited, London, England	
The Boiler Inspection & Insurance Co. of Canada, Toronto, Ont	
Boston  Insurance  Co.,  Boston,  Mass	
I5ritish  America  Assurance  Co.,  Toronto,   Ont	
The British and Foreign Marine Insurance Co., Ltd., Liverpool, Eng.
(1.)  The British Columbia Plate Glass Insurance Co., Vancouver, B.C.
The British Crown Assurance Corporation, Ltd., Glasgow, Scotland ...
British Traders Insurance Co., Ltd., Victoria, Hong Kong  	
J'he Canada Accident and Fire Assurance Co., Montreal, Que	
Canada  Life Assurance  Co.,  Toronto,  Ont	
Canada Security Assurance Company, Toronto, Ont	
Canadian Fire  Insurance Company, Winnipeg,  Man	
The Canadian  Surety Co., Toronto, Ont	
The Canton Insurance Office, Limited, Victoria, Hong Kong  .
The Capital Life Assurance Co. of Canada, Ottawa, Ont	
Car and General Insurance Corporation, Ltd., London, Eng.   .
The Casualty Company of Canada, Toronto, Ontario  	
Columbia  Insurance  Company,  Jersey  City,  N.J	
Commercial Union Assurance Company, Limited, London, Eng.
Confederation  Life  Association,  Toronto,  Ont	
Continental Casualty Co., Hammond,  Ind	
Continental Insurance Company, New York, N.Y	
The Continental Life Insurance Co., Toronto, Ont	
The Cornhill Insurance Company, Limited, London, England   	
The Crown Life Insurance Co., Toronto, Ont	
Dominion Gresham Guarantee & Casualty  Co.,  Montreal, Que	
The Dominion Life Assurance Co., Waterloo,  Ont 	
The Dominion of Canada Guarantee & Accident Ins. Co., Toronto, Ont.  ..
The Eagle Star & British Dominions Insurance Co., Ltd., London, Eng.  ..
Employers Liability Assurance Corporation, Ltd., London, Eng	
Equitable Fire & Marine Insurance Co., Providence, R.I	
Equitabl
The Excelsior Life Insurance Co., Toronto, Ont	
The  Fidelity  &  Casualty  Co.,  New  York,  N.Y	
Fidelity Insurance Company of Canada, Toronto, Ont.
Fidelity Phenix Fire  Insurance Co., New York,  N.Y.
Fireman's  Fund  Insurance Co.,  San  Francisco,  Cal.   	
Firemen's  Insurance  Co.  of Newark,  N.J	
General Accident Assurance Co. of Canada. Toronto, Ont.  .   .   	
The General Animals Insurance Co. of Canada, Montreal, Que	
Glens Falls Insurance Co., Glens Falls, N.Y	
Globe & Rutgers Fire Insurance Co., New York, N.Y.
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. ..
Imperial Underwriters Corporation of Canada, Toronto, Ont.
Insurance Company of North America, Philadelphia, Pa.  ..
Insurance Company of the State of Pennsylvania, Philadelphia, Pa	
Law, Union & Rock Insurance Co., Ltd.,  London, Eng	
The Liverpool-Manitoba Assurance Company, Montreal, Que	
The London & Lancashire Guarantee & Accident Co. of Canada, Toronto, Ont..
The London & Lancashire Insurance Co., Ltd., Liverpool, England	
London & Provincial Marine & General Insurance Co., Ltd., London, Eng.
The London & Scottish Assurance Corporation, Limited, London, Eng	
London  Assurance Corporation,  London,  Eng	
London Guarantee & Accident Co.. Ltd..  London.  Eng	
London Mutual Fire Insurance Company of Canada, Toronto. Ont	
The London Life Insurance Co., London, Ont	
Loyal Protective Insurance Co.,  Boston, Mass	
Lumbermen's Mutual Casualty Company, Chicago, 111	
The Manufacturers Life Insurance Co., Toronto, Ont	
The Marine Insurance Co., Ltd., London, Eng	
Maritime Insurance Co., Ltd., London, Eng	
Maryland Casualty  Co.,  Baltimore,  Maryland   	
Merchants  Casualty  Co..  Winnipeg,   Man	
The Merchants Marine Insurance Co., Ltd., London, England .
Metropolitan Life Insurance Co., New York, N.Y'	
The Monarch Life Assurance Co., Winnipeg, Man	
The Motor Union Insurance Company, Limited, London, Eng.
Mount Royal Assurance Company, Montreal, Quebec	
Mutual Life Assurance Co. of Canada, Waterloo, Ont	
The Mutual Life Insurance Co. of New Y'ork, N.Y	
National Fire Insurance Co. of Hartford, Hartford, Conn.   ..
National Life Assurance Co. of Canada, Toronto, Ont.
National Provincial Insurance Co., Ltd., London, Eng.  .
National  Surety  Co.,  New  York,  N.Y'	
The Newark Fire Insurance Co., Newark, N.J	
New 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,  En^	
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 Palatine Insurance Company, Limited,  London,  Eng	
Phoenix Assurance Co., Ltd., London, Eng	
The Phoenix Insurance Co., Hartford, Conn	
(2.)  Policy Holders Mutual Life Insurance Company, Toronto, Ontario
The Preferred Accident Insurance Company of New Y'ork, N.Y	
The Protective Association of Canada, Granby, Que	
The Prudential Insurance Co. of America, Newark, N.J	
Queen Insurance Co. of America, New York, N.Y	
Queensland  Insurance  Co.,  Ltd..  Sydney,  Australia   	
Railway Passengers Assurance Co., London, Eng	
Reliance Marine Insurance Co., Limited, Liverpool. Eng	
The Ridgely Protective Association,  Worcester,  Mass	
Royal  Exchange Assurance,  London,  Eng	
Royal  Insurance Co., Ltd.,  Liverpool,  Eng	
(3.)   Royal Plate Glass Insurance Company of Canada, Vancouver, B.C	
St. Paul Fire & Marine Insurance Co., St. Paul, Minn	
Scottish Metropolitan Assurance Corporation. Limited, Edinburgh, Scotland
Scottish Union & National Insurance Co., Edinburgh, Scotland  	
The Sovereign Life Assurance Co., Winnipeg, Man	
The Standard Life Assurance Co., Edinburgh, Scotland  	
Standard Marine Insurance Co.. Ltd.. Liverpool, Eng	
The Sterling Fire Insurance Company of Indiana, Indianapolis, Ind	
Sun Insurance Office, London, England	
Sun Life Assurance Co. of Canada, Montreal, Que	
Tokio Marine & Fire Insurance Co.. Limited, Tokio, Japan	
The Travelers Indemnity Company, Hartford, Conn	
The Travelers Insurance Co., Hartford. Conn	
Travellers Life Assurance Co. of Canada, Montreal,  Que	
Union Assurance Society, Limited, London, England  	
Union Insurance Society of Canton, Ltd., Victoria, Hong Kong
The Union Marine Insurance Company, Ltd., Liverpool, Eng. ...
Union Mutual Life Insurance Co., Portland. Maine  	
United States 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 Y'ork, 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	
J. E. Kinsman, Victoria  	
John   F.   Brandt,   Vancouver   	
\V. Anderson and II. Miskin, Vancouver.
Attorney  to  receive  Process  in  British
Columbia.
(Corrected to August 1st, 1923.)
Description of Insurance Business for which Licensed.
(Corrected to August 1st, 1923.)
J. H. Harrison, Vancouver
6. V. Wakely, Vancouver ..
D. W. Campbell, Victoria  	
F. B. Lewis, Vancouver	
R.  V.  Winch & Co., Ltd.,  Vancouver
E. C. Jahour, Vancouver	
F. W. Rounsefell. Vancouver	
B.   C.   Mess,   Victoria   	
Head   Office,   Vancouver    	
A.  S. Matthew, Vancouver   	
C. R. Elderton, Vancouver
A. W. Ross, Vancouver . .
R. S. McCuish, Vancouver .
J. J. Banfield. Vancouver .
F. C. Paterson, Victoria . .
F. B. (Lewis, Vancouver  . . .
Wise & Co., Ltd., Victoria .
W. D. Kennedy, Vancouver .
J.  H.   Lawson,   Vancouver   ..
Gordon Bell, Vancouver	
B\  W. Rounsefell, Vancouver
A.  W.  Ross,  Vancouver   .. .
.1. R. Glass, Vancouver ...
X. S. Matthew, Vancouver
W.  A. Lawson, Vancouver
James Moss, Victoria ...
W.  B. Blane, Vancouver
F. R. McD. Russell, Vancouver  	
B. S. Brown, Vancouver  	
.\T. T.  Truell, Vancouver   	
I.  C.  Stuart,  Vancouver    .•	
R. J. Loewen and R. G. Harvey, Vancouver
Jas. A. Young, Vancouver .
C. V. Wakely, Vancouver  .
F. J. Gillespie, Vancouver
Seeley  &  Co.,   Vancouver   .
R. E. Brett, Victoria  	
Arthur  Coles,  Victoria   ...
E. D. Todd, Victoria
B. S. Brown, Vancouver . ..
A'.  F.  Sangster, Vancouver
A. S. Matthew, Vancouver .
A. S. Matthew, Vancouver .
A.  McC.  Creery, Vancouver
i<\ W. Rounsefell, Vancouver
35. Burke,  Vancouver   	
I. A. Johnson, Vancouver .
0. A. Holland, Victoria ...
W. E. Graveley, Vancouver
I-I. R, Budd, Vancouver . ..
i.  A.  Kirk,  Victoria  	
II. W. Dyson, Vancouver
D. Cramer. Vancouver
Stanley Henderson, Vancouver
A. Waring Giles, Vernon	
J. H. Harrison, Vancouver
H. A. Robertson, Vancouver
A. W. Blake, Vancouver ... .
L. U. Conyers, Victoria
A. W. Blake, Vancouver
A. W. Blake, Vancouver	
ll. V. Winch & Co., Ltd., Victoria
Lawrence W. Peel,  Vancouver	
R. V. Winch & Co., Ltd.. Victoria	
R. C. Janion, Vancouver  	
C. G.  Hobson,  Vancouver   	
William B. Ryan, Victoria  	
3.  H. Grant, Vancouver  	
I. II. Constantine, Vancouver	
B. A. Twiss, Vancouver  	
A. A. Meharey, Victoria	
Rithet Consolidated, Limited, Victoria
I. T. Barnes, Victoria  	
i. B. Love. Vancouver
lames A. Young, Vancouver
.'. Winterborne. Victoria ..
R. W. Harris, Vancouver . .
\V. W. Johnston, Vancouver
C. G. Hobson, Vancouver .. .
W. J. Twiss, Vancouver....
W. E. Burns, Vancouver . .
II. T. Barnes, Victoria	
Lindley Crease, Victoria . . ..
F. W. Rounsefell, Vancouver
M. L. Brown, Vancouver . . ..
F. W. Walker, Vancouver ...
H. A. Robertson, Vancouver
R. A. Durham, Vancouver ...
A. S. Matthew, Vancouver . ,
I. T. Summerfield, Vancouver
D. Leeming, Victoria  	
I.  K. Sears, Vancouver  	
Ellis W. Keenleyside, Vancouver  . . .
R. V. Winch & Co., Ltd., Vancouver
W. H. Clarke, Vancouver	
J. II. Constantine, Vancouver	
W. B. Blane, Vancouver  	
B. S. Heisterman, Victoria  	
B. S. Heisterman, Victoria  	
B.   C.   Mess,  Victoria   	
I. R. Hannah, Vancouver	
R. V. Winch & Co., Ltd., Victoria
A. W. Ross, Vancouver  	
F. W. Rounsefell, Vancouver ....
A. E. Haynes, Victoria	
E. E. Leeson, Vancouver	
I. S. Gall,  Vancouver  	
F. G. Bell, Vancouver  	
W. C. Bowden. Vancouver	
tithet Consolidated, Limited, Victoria
0.  Gardiner  Johnson, Vancouver-  ....
P.  II.  Grant, Vancouver   	
tithet Consolidated, Limited, Victoria
John Dunlop, Nelson   	
J. H. Lawson. Vancouver	
F. W. Walker, Vancouver	
Head Office. Vancouver  	
B. S. Heisterman. Victoria	
Lawrence W. Peel, Vancouver  	
F.   B.  Pemberton,  Victoria   	
M. D. McPherson, Vancouver	
J. W. Kerr,  Vancouver  	
0. Gardiner Johnson. Vancouver  	
H. R. Budd, Vancouver 	
F. B. Pemberton, Victoria	
H. 0. Leach, Vancouver  	
B. G. D. Phillips, Vancouver	
R. C. Hall, Victoria  	
It. C. nail, Victoria  	
I. D. Mather, Vancouver .
Chas. R. Bishop. Victoria .
C. R. Elderton, Vancouver
C. II. Macaulay, Vancouver
Viggo P. Laursen, Vancouver
Leslie II. Wright. Vancouver
H. A. Robertson, Vancouver ,
B. G. D. Phillips, Vancouver
R. 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
"Automobile, marine, tornado, and inland transportation.
Life.
".Marine, accident, sickness, guarantee, automobile, burglary, plate glass, and
hail.    Insurance against damage to property of any kind caused by the
explosion of natural or other gas, and insurance against loss or damage
by robbery.
"Marine, automobile  (excluding insurance against loss by reason of injury to
the person), and inland transportation.
"Automobile   (excluding  insurance  against  loss  by  reason  of  injury  to  the
person).
"Automobile, explosion   (including riot and civil commotion)   and tornado.
"Marine.
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, burglary, and piate glass.
"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
person).
Life.
"Insurance  against loss or  damage  to  property   of any   kind  caused  by  the
explosion of natural or other gas.
Life.
Accident, sickness, guarantee, burglary, and automobile.
Life.
"Accident, guarantee, sickness, burglary, 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.
Guarantee.
"Tornado,  explosion   (including  riot   and   civil  commotion),  and  automobile
(excluding   insurance   against   loss   by   reason  of   bodily   injury   to   the
person).
■"Marine, inland transportation, and automobile  (excluding insurance against
loss by reason of bodily injury to the person).
"Marine.
"Accident,  sickness, steam-boiler, guarantee, burglary, and insurance against
loss or damage by robbery, automobile.
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,  fly-wheels,  engines,  and  machinery  connected  therewith
or operated thereby), and marine.
"Accident,  sickness,  burglary,  automobile,  guarantee,  and forgery.
"Hail,  tornado,  sprinkler  leakage,   marine,  automobile   (excluding  insurance
against loss by reason of bodily injury), explosion   (including riot and
civil  commotion),  and  inland  transportation.
Life.
Guarantee.
"Accident,  sickness,  guarantee,  plate  glass,  burglary,  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.
"Accident, automobile, guarantee, and sickness.
"Inland transportation, automobile   (excluding injury to the person), marine,
and explosion  (including riot and civil commotion).
"Inland, marine.
"Accident, sickness, burglary, plate glass, and automobile.
"Explosion  (including riot and civil commotion)  and automobile.
Accident, sickness,  guarantee, plate glass,  automobile,  burglary,  and  insurance against loss or damage occasioned by larceny, theft, or stealing from
the person by. violence, threat, hold-up or otherwise.
•Marine, automobile, and explosion (including riot and civil commotion).
Marine.
Life.
"Marine,  automobile,  inland  marine, and inland transportation.
"Accident,  sickness,  guarantee,  and burglary.
"Automobile.
Life.
.Accident and sickness amongst members of 1.0.0.F.
Automobile.
Life.
"Inland transportation, automobile, marine, and inland marine.
Marine.
Accident,   burglary,  guarantee,  plate  glass,   steam-boiler,   sickness,   forgery,
fly-wheel,  sprinkler leakage,  and insurance  against loss or damage  by
robbery.
Accident  (excluding employers' liability), sickness, and automobile.
"Automobile.
Life, accident, and sickness.
Life.
"Accident, automobile, and marine.
"Plate glass.
Life.
Life
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),
marine, and explosion  (including riot and civil commotion).
"Accident,  sickness,  plate  glass,  automobile,  and  burglary.
Life.
"Marine, accident, sickness, automobile, guarantee, plate glass, and burglary.
Life.
Automobile  (excluding insurance against loss by reason of bodily  injury to
the person).
"Automobile.
"Accident, sickness, plate glass, automobile.
Life.
"Automobile.
"Accident, sickness,  guarantee,  plate  glass,  automobile,  and  burglary.
Marine.
"Automobile.
"Life.
"Marine and automobile (excluding insurance against loss by reason of injury
to the person).
Life.
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, marine, and automobile.
Plate glass.
"Automobile, inland transportation, and marine.
"Accident, sickness, guarantee,  automobile, marine, and inland marine.
Tornado, sprinkler leakage, and automobile.
Life.
Life.
Marine.
"Tornado and  automobile.
"Automobile, guarantee, and sickness.
Life.
Marine
Accident, sickness, steam-boiler, plate glass, burglary, automobile, fly-wheel,
and insurance against damage or loss by robbery and insurance against
dama.ge to property and liability for damage to the property or person
of others caused by the breakdown of any electrical machinery.
Life and accident.
Life.
"Automobile.
"Marine, automobile, accident, sickness, inland transportation, and insurance
against  damage  to  property  of any  kind  caused  by  the  explosion  of
natural or other gas.
Marine,   inland   marine,   inland   transportation,   and   automobile   (excluding
insurance against loss by reason of bodily injury to  the person).
Life.
Guarantee, accident, sickness, burglary, plate glass, steam-boiler, and robbery.
* Automobile   (excluding  insurance  against  loss  by  reason  of  injury  to  the
person and explosion, including riot and civil commotion).
Marine.
"Marine, inland transportation, explosion (including riot and civil commotion),
tornado, and automobile.
Accident and sickness.
Life.
Life.
"Explosion (including riot and civil commotion)  and marine.
Marine.
Marine.
"Accident, sickness, plate glass, 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.)  Municipal Securities, $26,639.
(3.)  Dominion War Loan Bonds, $5,000, and deposit receipt, Canadian Bank of Commerce, $125.
(4.)   Dominion War Loan Bonds, $27,000.
Note.—Licensed since December 31st, 1922 ;—
North British & Mercantile Insurance Company. Limited, London, England; I-I. R. Budd, Vancouver; marine.
The Security Life -Assurance Company of Canada, Toronto, Ont.; Henry S. Spohn, Vancouver ; life.
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