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TWENTY-FIRST ANNUAL REPORT OF THE SUPERINTENDENT OF INSURANCE FOR THE PROVINCE OF BRITISH COLUMBIA 1932… British Columbia. Legislative Assembly 1933

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 TWENTY-FIRST ANNUAL REPORT
SUPERINTENDENT OF INSURANCE
FOB THE
PROVINCE OF BRITISH COLUMBIA
1932
(BUSINESS TRANSACTED IN 1931)
PRINTED BY
AUTHORITY OF THE LEGISLATIVE ASSEMBLY.
VICTORIA,  B.C. :
Printed by Charles F. Banfield, Printer to tie King's Most Excellent Majesty.
1932.  To His Honour J. W. Fobdham Johnson,
Lieutenant-Governor of the Province of British Columbia.
May it please Your Honour :
The undersigned has the honour to present the Twenty-first Annual Report of the Superintendent of Insurance for the year ended December 31st, 1931.
R. H. POOLEX,
Attorney-General.
Victoria, B.C., July 2nd, 1932. TABLE OF CONTENTS.
Page.
Report of the Superintendent of Insurance     5
Lists as at December 31st, 1931, of—
Insurers licensed  10
Underwriters' Agencies licensed  23
Reciprocal Exchanges granted Permits  23
Names of Companies licensed or ceased Business since December 31st, 1931  23
Annual Statements of Provincial Licensees—
British Columbia Plate Glass Insurance Co  34
Empire Life Insurance Co  25
Grand Council of Canadian Order of Chosen Friends  26
Home Assurance Co. of Canada  28
Mutual Fire Insurance Co. of British Columbia  29
Mutual Relief Life Insurance Co  30
Ontario Equitable Life & Accident Insurance Co  31
Provident Assurance Co  33
Provident Life & Accident Insurance Co  34
Sons of Scotland  36
Toronto General Insurance Co  37
United Pacific Casualty Insurance Co  39
Western Empire Life Assurance Co  40
TABLES.
Life Insurance—
I. Business of 1931 and Investments in the Province  42
II. Summary, 1927-31  44
Fire Insurance—
III. Business of 1931  44
IV. Summary, 1927-31  48
Automobile Insurance—
V. Business of 1931  48
VI. Summary, 1927-31  50
Other Classes of Insurance—
VII. Business of 1931  51
VIII. Summary, 1927-31  59
IX. Investments in the Province of Insurers other than Life  60 REPORT OF THE
SUPERINTENDENT OF INSURANCE.
Department of Insurance,
Victoria, B.C., July 2nd, 1932.
The Honourable R. H. Pooley,
Attorney-General, Victoria, B.C.
Sir,—I beg to submit, pursuant to the " Insurance Act," the Twenty-first Annual Report of
the Department of Insurance, covering the year ended December 31st, 1931.
At the end of the year there were 296 insurers licensed to transact business, twenty new
companies having been licensed, as follows:—
The Aetna Casualty & Surety Company, Hartford, Conn.
American Equitable Assurance Company of New York, N.Y.
Camden Fire Insurance Association, Camden, N.J.
Consolidated Fire & Casualty Insurance Company, Toronto, Ont.
County Fire Insurance Company of Philadelphia, Penn.
Fireman's Fund Indemnity Company, San Francisco, Oal.
Fulton Fire Insurance Company, New York, N.Y.
Great American Indemnity Company, New York, N.Y.
Home Indemnity Company, New York, N.Y.
The LaSalle Fire Insurance Company, New Orleans, La.
Lumber Mutual Fire Insurance Company of Boston, Mass.
Lumbermens Mutual Insurance Company, Mansfield, Ohio.
Michigan Fire & Marine Insurance Company, Detroit, Michigan.
The National Liverpool Insurance Company, Montreal, Quebec.
New Brunswick Fire Insurance Company, New Brunswick, N.J.
Pacific American Fire Insurance Company, Los Angeles, Cal.
The Provident Assurance Company, Montreal, Quebec.
United Firemens Insurance Company of Philadelphia, Penn.
Union Indemnity Company, New Orleans, La.
Virginia Fire and Marine Insurance Company, Richmond, Va.
All these companies, except the Provident Assurance Company, obtained licences under the
" Insurance Act" of the Dominion and made a deposit under that Act.    The matter of Dominion
licences is referred to later.
The Provident Assurance Company is a Quebec company and has a deposit with the
Minister of Finance of this Province.
The Michigan Fire & Marine Insurance Company was formerly licensed, but withdrew in
November, 1917.
Eleven companies ceased to do business in this Province during the year 1931, as follows:—
The American Equitable Assurance Company of New York, whose business was taken over
by a new company of the same name, which is a consolidation of the old company and the
Guardian Fire Assurance Company of New York.    The new company is duly licensed in the
Province.
The Chicago Fire & Marine Insurance Company, which merged with the Lincoln Fire
Insurance Company of New York to form a new company, also called the Lincoln Fire Insurance
Company of New York.
Fidelity American Insurance Company, which reinsured its outstanding contracts in the
Province with the Mill Owners Mutual Fire Insurance Company.
The LaSalle Fire Insurance Company, which reinsured its outstanding contracts in the
Province with the Saint Paul Fire & Marine Insurance Company.
The Laurentian Insurance Company, which reinsured its outstanding business with the
British Colonial Fire Insurance Company. G 6
BRITISH COLUMBIA.
The Merchants and Employers Guarantee and Accident Company, whose business was taken
over by the Consolidated Fire and Casualty Insurance Company.
The Milwaukee Mechanics' Insurance Company of Milwaukee, Wisconsin, which had no
outstanding business in the Province.
The Mount Royal Assurance Company, which went into voluntary liquidation and reinsured
its business in the Province with the County Fire Insurance Company of Philadelphia and the
Great American Indemnity Company.
The New York Indemnity Company, which reinsured its outstanding business with the
Union Indemnity Company.
The Occidental Indemnity Company, whose outstanding business was reinsured with the
Fireman's Fund Indemnity Company.
The Royal Plate Glass and General Insurance Company of Canada, a British Columbia
company, did not renew its licence, as it is not transacting business.
The L'Union Compagnie d'Assurances Contre l'lncendie has changed its name to L'Union
Compagnie d'Assurances Contre l'lncendie Les Accidents et Risques Divers (The Union Fire,
Accident and General Insurance Company of Paris, France), and the Union Marine Insurance
Company, Limited, to the name Union Marine & General Insurance Company, Limited.
A complete list of the various insurers licensed as at December 31st, 1931, will be found on
page 10. The following summary indicates the origin of the companies and how many hold a
licence under the former Dominion " Insurance Act " in addition to a Provincial licence:—
Where incorporated.
Dominion
Licensees.
Provincial
Licensees.
Total.
British Columbia 	
59
12
04
2
1
6
3
1
1
2
125
3
8
4
5
3
59
20
68
2
1
0
Hong Kong	
3
1
130
Totals                	
276
20
296
The comparative figures are for :—
1930	
267
251
20
22
287
1929	
273
On analysis the list shows that 42 companies are licensed for life insurance, 219 for fire
insurance, 167 for automobile insurance, and 76 for marine insurance. The figures cover only
the major classes of insurance, and it will be understood that the same company may be licensed
(for example) for fire, automobile, and marine insurance.
The annual statements of the companies holding Provincial licences only are set forth at
length on pages 24 to 40 as in previous years, pending settlement of the status of the new
Dominion legislation.
Only two fraternal societies are now licensed, the Grand Council of Canadian Order of
Chosen Friends and the Sons of Scotland.
A list of underwriters' agencies, eleven in number, licensed in the Province will be found on
page 23. The Laurentian Underwriters Agency, representing the British Colonial Fire Insurance Company, was licensed during the year.
Ten Reciprocal Exchanges hold permits under section 174 of the " Insurance Act" and the
list appears on page 23. The National Lumber Manufacturers Inter Insurance Exchange,
Chicago, 111., and the Sprinklered Risk Underwriters, Chicago, did not renew their permits for
1932.
For convenience the names of companies which have been licensed or have ceased business
since December last are shown at page 23. REPORT OF THE SUPERINTENDENT OF INSURANCE, 1931.
G 7
The following table gives particulars of licences issued to insurance agents and adjusters,
and for the purposes of comparison the corresponding figures for the year 1930 are shown in the
first column:—
1930.
Licences issued during 1931.
Suspended.
Cancelled or
revoked.
1,517
1,891
32
Life agents
Other than life
agents ....	
   1,566]
2,094 V
         35 |
Nil
Nil
3,440
3,695
Tables showing the business transacted in fire, life, automobile, and miscellaneous classes of
insurance during the year will be found on pages 42, 44, 48, and 51 and summaries for the past
five years on pages 44, 48, 50, and 59 respectively.
The figures for life insurance may be regarded as quite favourable in view of the continued
depression. The premiums for the year exceeded those for the previous year and the net amount
in force is larger; on the other hand, the gross amount of new policies is less and the number of
new policies taken considerably smaller. Much money was borrowed from the companies on
policies, as has been the case throughout Canada and the United States, and lapses have been
unfortunately numerous. The mortality rate was favourable, but conditions affecting investments abnormal. The life insurance companies are contending with many difficulties, but there
is no doubt that they will in consequence of the hard times effect economies and improvements
in their business, and tend to regard the permanency of life insurance carried more highly than
mere volume with its inevitable wastage. Life insurance as an institution will emerge all the
sounder.    The public need not feel any apprehension as to the ability to meet all obligations.
As the amount of fire insurance carried depends largely on the volume of business and the
value of the property insured, it is pleasant to note that in this Province the volume of premiums
in 1931 was so little below the figures for 1930, while the losses were nearly $1,000,000 less. The
fire insurance business as a whole has been hard hit in North America by the depression. Yet
no company in Canada has become insolvent nor any American company licensed here. But
there has been much reorganization of American companies, and it is still in progress; in most
cases it has taken the form of a reduction of capital by a transfer of assets from capital account
to surplus, so that when surplus has been reduced by depreciation of assets it has been made
good by the transfer. This is sound management and shows that the companies regard their
public obligations as paramount to the equity of their shareholders.
The automobile premiums and losses were both slightly less than the preceding year; the
ratio is about the same and losses still high. Full statistics of all phases of the business in the
Province are now being kept by the British Columbia Underwriters, and the companies belonging to that organization are able to adjust their rates closely to their actual experience.
It may be useful to record here that the new provisions of the " Insurance Act" respecting
automobile insurance, which with the related provisions of the " Motor-vehicle Act" are generally
described as " automobile financial responsibility legislation," come into force on September 1st.
Identical insurance legislation and similar motor-traffic legislation will be brought into operation on the same date by the Provinces of Manitoba, Ontario, Saskatchewan, and Nova Scotia.
The " Motor-vehicle Act" provides that after conviction for certain offences against the Act, the
licence of the party convicted is suspended until the penalty imposed is paid and he furnishes
financial responsibility for the future as prescribed. The Act further provides that where a
final judgment for damages for injury to or the death of a person or for injury to property is
not satisfied by the party responsible within thirty days, his licence shall be spspended until he
pays the damages to the extent of $5,000 for the injury or death or of $1,000 for the property
injured, and also furnishes proof of financial responsibility for the future. The security which
will be required may take the form of cash or securities, a guarantee bond, or an insurance
policy. Standard forms of policies are being worked out for the general use of all companies
transacting automobile insurance.
It may also be of service to state that the new provisions of the " Insurance Act " apply only
to contracts made after the date on which the amendments come into effect, and, on the other G 8 BRITISH COLUMBIA.
hand, the new financial responsibility provisions of the " Motor-vehicle Act" apply only to
policies issued after that date, which is in both cases to be September 1st next. The public
accordingly should realize that policies issued before September 1st next cannot be accepted
under the " Motor-vehicle Act" as the basis of proof of financial responsibility. As to policies
issued after that date, provision is made for filing with the Commissioner of Police as proof of
financial responsibility a certificate of an insurer that it has issued to the insured a policy which
sufficiently insures him for the purposes of the " Motor-vehicle Act."
It is anticipated that the remaining Provinces will adopt the same insurance and motor-
traffic legislation at an early date and meanwhile authorize only the use of uniform standard
forms of policy. Thus it is likely that this important legislation for securing that irresponsible
motorists shall not be permitted to drive to the danger and loss of the public will be uniform
throughout Canada.
In the miscellaneous classes of insurance the tendency to a decrease in the volume of
premiums reflects the falling-off of business and general conditions. Casualty losses have been
heavy.
In Canada and its Provinces and the United States it has been the " practice to take the
market quotations on the last day of the year as the fair market values " of the investment
securities of insurance companies for the purposes of their annual statements. The " disturbed
financial conditions " and the " exceptional fluctuations in value of stocks and bonds as reflected
on the exchanges led to the inquiry as to whether the market price quotations for stocks and
bonds on a particular day are indicative of the fair market value of such securities." The
question was given special consideration by all authorities with whom annual statements had to
be filed, and it was determined by Order of the Governor-General in Council, by the Association
of Superintendents of Insurance of the Provinces, and by National Convention of Insurance
Commissioners of the United States that the customary basis of valuation was unfair to the
companies under the prevailing conditions. The general principle adopted was that the closing
prices on June 30th, 1931, which '"have been found to approximate the average prices of stocks
as reflected by the Exchanges for a range of five quarterly periods ending September 30th,
1931," could be used and accepted. The quotations are taken from the Order in Council and the
Convention's resolution.
As a brief summary of the justification for adopting this course, which has been naturally
criticized as unsound and unwise, I will cite, (in part) the statement of the Superintendent of
Insurance of the State of New York. He points out in the first place that similar action had
been taken in 1907 and 1917, and goes on to say that " companies which are fundamentally
sound should not be forced into an embarrassing position because good assets are temporarily
frozen. The appraisal of securities at less than fair market value has a tendency to force
liquidation at a sacrifice. This is not for the best protection of policyholders." The point is
that an insurance company might on paper be technically insolvent at market prices and yet
fully capable of meeting all its obligations. Unless there is an earthquake or other catastrophe,
the amount which an insurance company has to pay out day by day normally bears an almost
stable mathematical relationship to its income, and there is no need to resort to its general
assets, much less its surplus.
A brief review, too, of the constitutional dispute as to jurisdiction over the insurance business, may not be out of place.
In October last the judgment of the Privy Council was rendered in the Quebec Insurance
Reference and established beyond all further argument that the right to control and regulate
the business of insurance belongs exclusively to the Provinces. The provisions of the Dominion
" Insurance Act " expressly referred to the Courts in Quebec were held ultra vires and their
Lordships said that a Dominion licence is an " idle piece of paper." The decision in effect swept
away the Federal Statute and makes emphatically clear that the Dominion cannot enact any
legislation which directly or indirectly aims at regulation of the insurance business.
Ottawa realized that new legislation, based on different principles, was necessary and three
new Acts have been passed, one relating only to a Department of Insurance and the others to
Canadian and British insurers and to foreign insurers. The original Bills upon introduction in
the Senate were challenged vigorously by various Provinces on the ground that the measures
were invalid, and were then withdrawn and redrafted. Ontario and Quebec employed counsel to
present their views and many conferences were held so that the Acts might be passed in a form
acceptable to the Provinces.    The objections of Ontario and Quebec, however, were only partially REPORT OF THE SUPERINTENDENT OF INSURANCE, 1931. G 9
removed, and those Provinces—with whose views you concur—consider that the Dominion Acts
are not legislation " properly framed," to use words of Lord Haldane, which have since been
frequently quoted; in other words, that they are substantially unconstitutional. To support its
jurisdiction the novel claim is made that the authority of Parliament to deal with insolvency
justifies regulation of an insurer while solvent. While further attempts may be made to discover a valid basis for the exercise of some Federal supervision, it is not at all unlikely that the
new legislation will be submitted to the Courts. Under the " Insurance (Temporary Provisions)
Act, 1932," passed by the Legislature, steps can be taken to provide for any difficulties arising
out of this situation and an almost identical Act was passed by several other Provinces.
The annual Conference of the Association of Provincial Superintendents of Insurance was
held at Winnipeg in September and will meet there again this year, that being the most convenient place for insurance interests generally in these times of financial stringency. By
rotation the Conference should come to this Province.
The chief work of the Conference last year was the preparation of the new uniform automobile legislation epitomized above, and after intensive discussion a draft was made, and later
printed and circulated. The draft was again discussed in detail at Toronto in November at a
meeting which I attended, and was passed practically without change by Ontario, Manitoba,
British Columbia, and Nova Scotia. The Superintendents' Conference may fairly claim that
its usefulness is demonstrated by results of this kind.
"REAL-ESTATE AGENTS' LICENSING ACT."
The following table gives particulars of licences issued to real-estate agents and salesmen,
and for the purposes of comparison the corresponding figures for the period ended June 30th,
1931, are shown in the first column:—
1930-31.
1931-32.
1,008
Nil
924
Nil
I have the honour to be,
Sir,
Your obedient servant,
H. G. GARRETT,
Superintendent of Insurance. fr
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*? S ■ 3 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1931. G 23
COMPANIES LICENSED OR CEASED BUSINESS SINCE DECEMBER 31st, 1931.   •
(1.) Licences have been issued to:—
National Liberty Insurance Company of America;   John W. Wilson, Vancouver;   automobile  (excluding insurance against liability for loss to persons eaused by an
automobile), explosion, fire, and tornado insurance.
The North River Insurance Company, which has taken over the business of a company
of the same name and consolidated with the Transportation Insurance Company of
New York.
Pennsylvania Lumbermens Mutual Fire Insurance Company, Philadelphia, Pa.;  John
H. Constantine, Vancouver;   fire insurance against loss of or damage to property
other than growing crops by hail.
(2.)  The following companies have ceased business:—
The new American Equitable Assurance Company of New York, mentioned at page 5,
which has merged with the Independence Fire Insurance Company of Philadelphia
to form another company of the same name.    This new company has not been
licensed.
The Fulton Fire Insurance Company, which has reinsured its outstanding business in
the Province with the Hanover Fire Insurance Company.
The North River Insurance Company, as mentioned above.
The Pacific American Fire Insurance Company, which has reinsured its outstanding
business in  the Province with  the Liverpool and London  and  Globe Insurance
Company, Limited.
The Virginia Fire & Marine Insurance Company, which has cancelled all its outstanding
business in the Province.
(3.)  The following Reciprocal Exchanges have ceased business:—
National Lumber Manufacturers Inter Insurance Exchange, Chicago, 111.
Sprinklered Risk Underwriters, Chicago, 111.
LIST OF UNDERWRITERS' AGENCIES LICENSED UNDER THE " INSURANCE ACT."
Britannic Underwriters, representing Employers Liability Assurance Corporation, Limited.
British & Canadian Underwriters, representing Norwich Union Fire Insurance Society, Limited.
Canadian Hardware & Implement Underwriters,  representing Retail Hardware Mutual Fire
Insurance Company, Minnesota Implement Mutual Fire Insurance Company, and Hardware
Dealers Mutual Fire Insurance Company.
Colonial Fire Underwriters Agency, representing National Fire Insurance Company of Hartford.
Edinburgh Underwriters' Agency, representing Scottish Union & National Insurance Company.
Globe Underwriters Agency, representing Globe & Rutgers Fire Insurance Company.
Laurentian Underwriters Agency, representing the British Colonial Fire Insurance Company.
London Underwriters Agency, representing London Assurance Corporation.
Nova Scotia Fire Underwriters Agency, representing Home Insurance Company.
Rochester Underwriters Agency, representing Great American Insurance Company.
Winnipeg Fire Underwriters Agency, representing Home Insurance Company.
LIST OF RECIPROCAL EXCHANGES TO AVHICH PERMITS UNDER SECTION 174
OF THE " INSURANCE ACT " HAVE BEEN GRANTED.
Affiliated Underwriters, New York, N.Y.
Canners Exchange Subscribers at Warner Inter Insurance Bureau, Chicago, 111.
Equitable Fire Underwriters, Kansas City, Mo.
Individual Underwriters, New York, N.Y.
Inter-Insurance Exchange, Kansas City, Mo.
Lumbermen's Underwriting Alliance, Kansas City, Mo.
Manufacturing Lumbermen's Underwriters, Kansas City, Mo.
National Lumber Manufacturers Inter Insurance Exchange, Chicago, 111.
New York Reciprocal Underwriters, New York, N.Y.
Sprinklered Risk Underwriters, Chicago, 111.
Underwriters Exchange, Kansas City, Mo.
Warner Reciprocal Insurers, Chicago, 111. G 24 BRITISH COLUMBIA.
Annual Statements for the Year ended December 31st, 1931, of
Insurers holding Provincial Licences only.
BRITISH COLUMBIA PLATE GLASS INSURANCE COMPANY.
Head Office—Vancouver, B.C.
Directors.
Walter E. Graveley. H. W. Chamberlain.
F. M. Chaldecott. W. J. Albutt.
F. G. Syder.
Alfred Farmer, Secretary.
Statement for the Year ended December 31st, 1931.
Assets.
Bonds and debentures (book value)   $62,501.27
Cash in banks   2,55S.63
Agents' balances and premiums uncollected (net, commissions deducted)  9,876.18
Interest accrued   664.21
Bills receivable  284.33
$75,884.62
Deduct assets not admitted—
Agents' balances on premiums written prior to October 1st, 1931     $4,837.06
Book value over market value of bonds      11.085.13
      15,922.19
$59,962.43
Liabilities.
Reserve of unearned premiums (net, at 80 per cent.)    $17,801.16
Taxes due and accrued   C09.85
Capital stock—
Authorized  $25,000.00
Subscribed and paid up        9,600.00
Surplus       31,951.42
$59,962.43
Profit and Loss Account.
Premiums earned (net)     $19,585.69
Losses and claims incurred (net)      $9,056.67
Commissions          8,089.75
Taxes         467.52
Salaries and fees       1,340.00
All other expenses—Postage, telegrams, telephones, express, printing and
stationery, agent's guarantee, and sundries          147.14
 19,101.08
Underwriting profit          $484.61
Deduct—Decrease in market value of investments  $11,085.13
Less other revenue, interest      3,432.47
        7,652.66
Net loss      $7,16S.05 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1931.
G 25
List op Shareholders.
Name.
Residence.
Amount
subscribed.
Amount
paid.
Albutt, W. J	
Albutt, Mrs. B. A	
Akroyd, H. C	
Barnsley, Rev. Geo	
Beasley, A. F., Estate
Bell-Irving, H	
Blythe, Miss F. I	
Chaldecott, F. M	
Chamberlain, H. W...
Charleson, Edith H.~.
Creery, A. McC.	
Graveley, W. E	
Hope, C. E	
Martin,  Robert	
Rogers, Jonathan	
Syder, F.  G	
Vancouver	
Yorkshire, England
Vancouver	
Victoria.	
Vancouver	
$2,300.00
3,000.00
100.00
100.00
700.00
500.00
200.00
500.00
500.00
100.00
100.00
500.00
200.00
100.00
200.00
500.00
$9,600.00
$2,300.00
3,000.00
100.00
100.00
700.00
500.00
200.00
500.00
500.00
100.00
100.00
500.00
200.00
100.00
200.00
500.00
$9,600.00
THE EMPIRE LIFE INSURANCE COMPANY.
Head Officer—Toronto, Ont.
Directors.
John Hallam. A. H. Vanderburgh.
B. R. McKenzie. M. P. Langstaffi.
T. H. Wilson. J. M. Vaughan.
J. R. Paterson, Secretary.
Statement foe the Year ended December 31st, 1931.
Assets.
Real estate (book value)   $22,638.00
Mortgages on real estate   487,736.25
Loans and advances to policyholders  141,774.36
Bonds and debentures (book value)   431,945.04
Stocks (book value)   996,254.66
Cash on hand and in banks   8,709.02
Advances to agents   1,684.34
Interest due and accrued   22,817.08
Premiums due and uncollected (net)    106,472.43
Other assets   2,116.00
$2,222,147.18
Less book value of securities over market value        208,617.22
$2,013,529.96
Liabilities.
Liability under assurance and other contracts (net)   $1,592,088.00
Provision for unpaid death losses and disability claims   14,500.00
Amounts left with Company   13,544.40
Premiums paid in advance   1,983.91
Taxes due and accrued   7,000.00
Salaries, rents, and office expenses due and accrued   1,986.56
Medical examiners' fees due and accrued   284.00
Commissions to agents  994.03
Borrowed money  129,200.00 G 26 BRITISH COLUMBIA.
Capital—
Authorized    $5,000,000.00
Subscribed       3,644,500.00
Paid up       $492,900.00
Less deficit        244,880.94
     $248,019.06
$2,013,529.96
Income.
Premium income  (net)   .  $527,238.67
Amounts left with the Company at interest  11,318.40
Interest and dividends   87,378.38
Rents  2,038.75
$627,974.20
Disbursements.
Disbursements under assurance contracts   $104,701.55
Amounts left with Company and withdrawn  4,655.02
Taxes, licences, and fees  8,568.09
Head Office expenses—Salaries, directors' fees, auditors' fees, travelling expenses,
and rents   43,779.59
Branch office and agency expenses—Commissions, advanced to agents, salaries,
travelling expenses, and miscellaneous   137,852.36
All other expenses—Advertising, office furniture, books and periodicals, postage,
express, telegrams and telephones, printing and stationery, legal fees, medical
fees, investment expenses, and miscellaneous   29.528.03
Commission on purchase or sale of securities  2,091.95
Insurance on lives of officers   638.25
Balance  296,159.36
$627,974.20
Returns for British Columbia.
(See page 42.)
GRAND COUNCIL OF CANADIAN ORDER OF CHOSEN FRIENDS.
Head Office—Hamilton, Ont.
Governing Executive Authority.
Eccles J. Gott. W. H. Montague.
J. H. Davidson. Sheriff Alex. Monis.
Wm. Benson. J. L. Archer.
O. H. Fitch, Secretary.
Prof. A. M. MacKenzie, Actuary.
Statement for the Year ended December 31st, 1931.
Assets.
Real estate (book value)    $32,000.00
Loans and liens on policies  32.842.00
Bonds and debentures (book value)    2,340,836.59
Cash in bank   61,634.38
Deposit, Province of Quebec  5,000.00
Interest due and accrued   53.233.66 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1931. G 27
Premiums due (estimated)        $38,701.38
Other assets  1,195.46
$2,565,443.47
Less assets not admitted—Excess of book value over market value of bonds and
debentures in default         34,435.45
$2,501,008.02
Deficit          76,766.14
$2,577,774.16
Liabilities.
Provision for unpaid claims        $34,885.97
Premiums paid in advance   598.19
Reserves—
Mortuary Fund   $2,110,600.00
Sickness Fund        425,190.00
Child Insurance Fund  6,500.00
    2,542,290.00
$2,577,774.16
Income.
Mortuary Fund   $459,775.18
Sickness Fund and Funeral Fund   31,673.21
Child Insurance Fund   3,488.48
Guarantee Fund   435.33
Assessments, dues, fees, and fines   14,990.35
Other revenue   1.189.60
$511,552.15
Disbursements.
Mortuary Fund   $273,427.47
Sickness Fund and Funeral Fund   18,156.50
Child Insurance Fund   500.00
Guarantee Fund   648.61
Head Office expenses—Salaries, directors' fees, auditors' fees, actuaries' fees and
expenses, travelling expenses, rents, printing and supplies, and miscellaneous.. 25,827.22
Agency and organization expenses—Commissions, salaries, travelling expenses, and
miscellaneous    8,097.95
All other expenses—Advertising, legal fees, medical fees, taxes and licences, telephone, telegram and express, official publications, meeting of Supreme Body,
and miscellaneous   17,092.52
Balance  167,801.88
$511,552.15
Returns for British Columbia.
Income—
Mortuary Fund        $10,632.97
Sickness Fund   612.25
Child Insurance Fund   271.68
Guarantee Fund   11.90
General Fund   698.93
$12,227.73 G 28 BRITISH COLUMBIA.
Disbursements—
Mortuary Fund   $1,926.50
Sickness Fund   489.10
General Fund   736.36
$3,151.96
HOME ASSURANCE COMPANY OF CANADA.
Head Office—Calgary, Alberta.
Directors.
F. A. Ogilvie. J. G. Norstrant.
A Corrie.                                                                      E. Roberts.
Dr. W. D. Dieson. G. A. Wilson.
G. Fisher. D. A. Fraser.
H. Wingfield.
G. A. Wilson, Secretary.
Statement for the Year ended December 31st, 1931.
Assets.
Mortgage loans on real estate  $7,912.78
Bonds, debentures, etc. (book value)   141,207.78
Cash on hand and in banks  7,616.26
Rents due and accrued   1,607.14
Agents' balances and premiums uncollected (net, commission deducted)    555.93
Furniture and fixtures   3,137.94
Other assets  363.00
$162,400.83
Deduct assets not admitted—
Agents' balances on premiums written prior to October 1st, 1931  $95.00
Furniture and fixtures         3,137.00
Prepaid licences   360.00
Difference between book and market value of bonds, etc  920.42
        4,513.36
$157,887.47
Liabilities.
Unpaid claims   $7,192.60
Reserve of unearned premiums   31,918.58
Taxes due and accrued  3,697.35
Borrowed money  7,412.33
Special reserve   3,000.00
Capital stock—
Authorized   $500,000.00
Subscribed      500,000.00
Paid up  60,632.00
Surplus   44,034.61
$157,887.47 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1931. G 29
Profit and Loss Account.
Premiums earned  (net)    $106,505.15
Losses and claims incurred (net)      $39,339.12
Commissions         29,484.09
Taxes         4,243.67
Salaries, fees, and travelling expenses       16,289.05
Other expenses         8,856.74
 98,212.67
Underwriting profit        $8,292.48
Other revenue—
Interest       $6,659.09
Bad debts recovered previously written off  14.75
Rebate, income tax, 1929   212.08
      $6,885.92
Other expenditure—
Interest on money borrowed for investment          $143.80
Bad debts written off         1,330.45
Decrease in market value of investments   920.42
Additional income tax, 1930   46.35
        2,441.02
        4,444.90
Net profit      $12,737.38
Returns for British Columbia.
(See pages 49 and 51.)
MUTUAL FIRE INSURANCE COMPANY OF BRITISH COLUMBIA.
Head Office—Vancouver, B.C.
Directors.
Jas. Bailey. W. H. Higginson.
Archibald Blair. H. F. Page.
Henry Bose. W. J. Park.
H. Lewis. C. E. Whitney-Griffiths.
J. W. Berry. R. W. Hurford.
D. A. McKee. Thos. Laing.
Wm. Townsley, Secretary.
Statement for the Year ended December 31st, 1931.
Real estate (book value)   $3,340.00
Bonds, debentures, securities, etc. (book value)   9.850.00
Bank deposit  3,150.00
Cash in bank   2,524.53
Office furniture  932.35
Premiums due and unpaid  3,865.60
Premiums, second and third instalments  43,310.07
Assessments unpaid   10.576.43
Premium notes  :  143,695.03
Commissions not yet earned   11,065.00
Deposit  500
$232,314.04 G 30
BRITISH COLUMBIA.
Liabilities.
Claims unpaid   $1,787.00
Reserve of unearned premiums (cash plan)   22,640.11
Commission earned   488.91
Reserve fund  --  3,150.00
Balance  =  204,248.02
$232,314.04
Income.
Cash premiums (cash plan)   $14,990.23
Cash premiums (instalments)  2S,280.60
Assessments     15,664.10
Interest   467.84
Deficit  —  3,598.71
$64,200.48
Disbursements.
Losses paid   $41,807.19
Commissions    6,400.59
Adjustment expenses  259.50
Salaries, directors' and auditors' fees  —  9,052.70
Rent and light   1,566.77
Taxes   250.72
Office expenses—Travelling, stationery, advertising, postage, telephones, telegrams,
and exchange  3,071.23
Return premiums  —-  534.58
Miscellaneous     1,197.20
$64,200.48
MUTUAL RELIEF LIFE INSURANCE COMPANY.
Head Office—Kingston, Ont.
Directors.
Dr. J. C. Connell. Dr. H. C. Connell.
A. J. Meiklejohn. W. H. Caldwell.
Wm. Jackson. Prof. W. Mackintosh.
C. C. Folger. Jas. Rigney.
D. A. Shaw. II. B. Muir.
J. Powley. J. M. Campbell.
Wm. McDonald. T. A. Kidd.
W. T. Fortye, Secretary.
Statement for the Year ended December 31st, 1931.
Assets.
Real estate (book value)   $142,071.09
Mortgages on real estate   754.000.00
Loans    :  32,000.00
Loans to policyholders   221,865.74
Bonds and debentures  (book value)   3,572,480.93
Stocks (book value)   168,401.25
Cash on hand and in banks  7.168.85
Advances to agents  10,009.72 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1931. G 31
Interest and dividends due and accrued   $80,631.73
Due from other licensed companies on reinsured contracts for losses or claims paid 66,386.99
$5,055,016.30
Liabilities.
Liability under assurance and other contracts (net)   $4,807,170.00
Liability for payments due under contracts  33,602.50
Provision for unreported death losses and disability claims   13,000.00
Amounts left with Company   3,192.82
Premiums paid in advance   18,920.07
Commissions to agents due and accrued  197.11
Borrowed money   50,000.00
Taxes and expenses due and accrued   8,000.00
Suspense Account   1,309.83
Investment reserve (stock)    12,269.35
Surplus   107,354.62
$5,055,016.30
Income.
Premium income  $596,219.96
Interest and dividend*  262,471.25
Rents  1,313.22
Premium on exchange   3,630.06
Profit on sale or maturity of bonds and stocks   5,018.64
$868,653.13
Disbursements. =====:
Disbursements under assurance contracts   $429,724.55
Taxes, licences, and fees   6,454.51
Head Office expenses—Salaries, directors' fees, auditors' fees, travelling expenses,
rents, and miscellaneous   58,672.03
Branch  office  and  agency  expenses—Commissions,   salaries,   travelling  expenses,
rents, and miscellaneous   179,751.20
All other expenses—Advertising, office furniture, books and periodicals, postage,
express, telegrams and telephones, printing and stationery, legal fees, medical
fees, and miscellaneous   34,791.32
Loss on exchange of bonds   11,380.71
Balance     147,878.81
$868,653.13
Returns for British Columbia.
(See page 42.)
ONTARIO EQUITABLE LIFE & ACCIDENT INSURANCE COMPANY.
Head Office—Waterloo, Ont.
Directors.
H. G. Bertram. Chas. S. Morton, M.D.
Hon. F. C. Biggs. W. E. Payne, K.C.
A. W. Briggs, K.C. E. K. Reiner.
Hon. M. AV. Doherty. J. M. Riddell.
W. E. Long. A. E. Silverwood.
Hon. H. MacPherson. J. M. Walton.
J. A. Martin. Herbert Begg.
E. C. Mitchell.
M. J. Smith, Secretary. G 32 BRITISH COLUMBIA.
Statement for the Year ended December 31st, 1931.
Real estate (book value)    $227,201.46
Mortgages on real estate  3,621,334.97
Loans to policyholders   1,257,730.54
Loans secured by stock, etc  30,000.00
Bonds and debentures (book value)    2,544,786.46
Stocks (book value)   111,419.34
Cash on hand and in banks  14,838.33
Other assets   739.68
Interest due and accrued   180.697.64
Premiums due and uncollected and deferred (net)   319,423.96
$8,308,172.38
Less book value of securities over market value  :  314,960.77
$7,993,211.61
Liabilities.
Liability under assurances and other contracts (net)   $6,846,054.00
Liability for payments due under contracts   27,560.75
Provision for unreported death losses and disability claims   20,000.00
Amounts left with Company   32,119.03
Premiums paid in advance   12,956.04
Taxes due and accrued  22,000.00
Medical examiners' fees and accounts due and accrued   5,000.00
Borrowed money   267,000.00
Agents' balances  38,716.04
Commuted payments not yet due to shareholders of Policy-Holders' Mutual   18,052.56
Other liabilities   1.442.02
Undivided surplus   54,223.28
Capital—
Authorized    $8,000,000.00
Subscribed       6,741,600.00
Paid up .-  655,015.90
Surplus  47,295.27
$7,993,211.61
Income.
Premium income  $1,334,781.00
Interest and dividends       386,782.66
Rents  6,752.89
Profit on sale of bonds and stocks   3,703.46
$1,732,020.01
Disbursements.
Disbursements under assurance contracts   $647,800.71
Dividends to shareholders   39,272.64
Taxes, licences, and fees  26,646.58
Head Office expenses—Salaries, directors' fees, auditors' fees, travelling expenses,
and rents  *  108,022.91
Branch office and  agency  expenses—Commissions,  salaries,   travelling  expenses,
rents, and convention expenses   221,079.49 All other expenses—Advertising, office furniture and supplies, books and periodicals,
postage, express, telegrams and telephones, printing and stationery, legal fees,
commissions on loans, medical fees, and miscellaneous        $53,527.14
Loss on sale or maturity of real estate  2,589.70
Balance           633,080.84
$1,732,020.01
Returns for British Columbia.
(See page 43.)
THE PROVIDENT ASSURANCE COMPANY.
Head Office—Montreal, Que.
Directors.
Hon. P. R. DuTremblay. J. H. Rainville.
Hon. Senator N. A. Belcourt. A. J. Major.
R. O. Sweezey. J. H. Pigeon.
Henri Geoffrion. Edmond Courtois.
Maxime Raymond. J. E. Rochon.
Edmond C. Belcourt, Secretary.
Statement for the Year ended December 31st, 1931.
Assets.
Real estate (book value)    $367,212.53
Mortgages on real estate  '.  26,950.00
Loans secured by bonds, stocks, etc  134,800.00
Bonds and debentures (book value)   467,707.34
Stocks (book value)  ..'..  232,015.01
Cash on hand and in banks   51,431.81
Interest, dividends, and rents   9,577.85
Agents' balances and premiums uncollected (net, commission deducted)    275,808.00
Amount due from reinsurance on losses already paid  70,312.66
Furniture, fixtures, and plans  ,  46,897.68
Loans on life policies   31,648.21
Workmen's Compensation Reinsurance Bureau   51,239.19
Appreciation in market value on bonds   7,985.41
Other assets  42,810.74
.      „ $1,826,396.43
Deduct assets not admitted—
Depreciation on investments   $69,715.01
Agents' balances on premiums written prior to October 1st, 1931,
and bills receivable     56,922.17
Furniture, fixtures, and plans      46,897.68
Depreciation on real estate ,       1,037.83
        174,572.69
$1,641,713.74
Liabilities.
Provision for unpaid claims   $348,466.66
Reserve of unearned premiums carried out at 80 per cent, thereof   313,505.35
Reinsurance     283,436.44
Contingency reserve   28,953.85
Reserve on life policies   175,712.00
Sundry creditors  37,024.14
3 G 34 BRITISH COLUMBIA.
Capital—
Authorized   $2,000,000.00
Subscribed     1,000,000.00
Paid up '.      $294,805.00
Surplus  '.        159,810.30
$1,641,713.74
Profit and Loss Account.
Premiums earned (net)   $1,038,196.84
Losses and claims incurred (net)   $600,563.21
Adjustment expenses  (net)        59,000.00
Commissions  r.     145,082.07
Taxes        14,094.78
Salaries, fees, and travelling expenses     142,498.45
Other expenses       90,701.02
     1,051,939.53
*
Underwriting loss        $13,742.69
Other revenue—
Interest and dividends      $38,080.36
Rents       24,317.74
Bad debts recovered, previously written off         8,632.03
Profit from La Providence de Paris Agency         4,541.15
Miscellaneous         2,133.79
  77,705.07
$83,962.38
Other expenditure-5—
Bad debts written off     $21,118.92
Decrease in market value of investments        27,081.65
         48,200.57
Net profit for the year         $15,761.81
Returns for British Columbia.
(See page 46.)
THE PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY.
Head Office—Chattanooga, Tennessee.
Directors.
Robert J. Maclellan. W. E. Brock.
Alexander W. Chambliss. P. J. Kruesi.
J. P. Hoskins. W. C. Cartinhour.
J. R. Preston. John A. Chambliss.
S. L. Probasco. J. W. Kirksey.
W. C. Cartinhour, Secretary.
Statement for the Year ended December 31st, 1931.
Assets.
Real estate (book value)  ,. $955,606.72
Mortgage loans on real estate   1,642.910.37
Loans secured by bonds   29,788.86
Bonds (book value)  1,300,923.55 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1931. G 35
Stocks (book value)   $107,430.00
Cash on hand and in banks   245,936.62
Premiums (accident and health)   (gross)    502,222.94
Bills receivable   4,081.96
Agents' balances   54,345.73
Head Office building accounts  12,682.87
Furniture and fixtures   32,513.97
Other assets   1,479.94
Assets from Life Department   874,577.31
Interest due and accrued  49,833.93
Assets from Life Department   345,932.29
$6,160,267.06
Deduct assets not admitted—
Furniture, fixtures, and safes   $32,513.97
Premiums in course of collection effective prior to October 1st, 1931..      5,375.63
Bills receivable      4,081.96
Loans   :  588.37
Deposits in suspended banks       3,673.78
Book value of securities over market value     73,718.70
Agents' debit balances      43,302.79
Unpaid bond claims          891.57
Mortgage loans in excess of value      10,725.00
Assets from Life Department     32,527.22
 207,398.99
$5,952,868.07
Liabilities.
Unpaid claims  $583,552.00
Unearned premiums  723,680.22
Commissions to agents  97,705.31
Salaries, rents, etc., due or accrued  7,198.52
Taxes   ,  96.413.76
Unpaid  dividends    2,000.00
Agents' Bond Account   910.85
Interest paid in advance   24.015.87
Contingent reserve  135,958.51
Liabilities from Life Department    2,936,501.73
Capital paid up  ,  800,000.00
Balance  544,931.30
$5,952,868.07
Income.
Premium income  (net)     $4,276,060.54
Interest and rents  344,231.83
Cash reserves received from Southern Surety Co  236.813.74
Profit on sale or maturity of investments  3.578.89
'Other income   2,777.64
Income from Life Department  1.058,946.01
$5,922,408.65
Disbursements.
Claims paid   $2,657,271.90
Investigation and adjustment of claims   153,891.75
Taxes, licences, and fees   99,661.36
Commissions or brokerage   909,445.43 G 36 BRITISH COLUMBIA.
Head Office expenses—Salaries, travelling expenses, and rents   $235,808.77
Branch office expenses—Salaries, travelling, and inspections   101,158.39
Miscellaneous expenses—Legal, advertising, printing and stationery, postage, telegraph,  telephone, exchange and express, furniture and fixtures, books,  etc.,
bureau dues, insurance, and general   86.787.70
Real-estate repairs and taxes   67,928.75
Agents' balances charged off   4,443.67
Dividends to stockholders   95,750.00
Loss on sale of bonds   13,972.62
Decrease in book value of ledger assets   102,960.47
Other expenses—Investments and examination   16,577.48
Disbursements from Life Department   973,220.17
Balance  403,530.19
$5,922,408.65
Returns for British Columbia.
(See page 51.)
SONS OF SCOTLAND BENEVOLENT ASSOCIATION.
Head Office—Toronto, Ont.
Governing Executive Authority.
Lieut.-Colonel Alex. Cowan. Dr. John Ferguson.
Rev. D. Wallace Christie. Col. D. M. Robertson.
Dr. Alexander Fraser. Judge Tytler.
J. P. MacGregor, K.C. Adam Brand.
Robert Lewis. W. A. Murray.
A. C. Gordon.
D. M. Robertson, Secretary.
L. K. File, Actuary.
Statement for the Year ended December 31st, 1931.
A.ssets.
Loans and liens on policies  $9,502.05
Bonds and debentures (book value)    1,330,849.78
Cash on hand and in banks   22,655.63
Deposit with Quebec Government  5,000.00
Interest due and accrued  22.290.94
Collections reported, but not received by Head Office   12.461.40
$1,402,759.80
Liabilities.
Provision for unpaid claims         $12,283.42
Reserves—
Mortuary Fund   $1,112,218.00
Sickness Fund          29,406.00
Funeral Fund :  493.00
 1,142,117.00
Balance       248,359.38
$1,402,759.80 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1931.
G 37
Income.
Mortuary Fund       $175,486.95
Sickness Fund   5,158.41
Juvenile Fund   260.49
General Fund—
Assessments, dues, fees, and fines   $13,044.75
Transferred from Insurance Fund      29,000.00
Other revenue          594.87
 ;         42.639.62
$223,545.47
Disbursements.
Mortuary Fund       $118,018.40
Sickness Fund  1,446.57
General Fund—
Head Office expenses—Salaries, directors' fees, auditors' fees, actuaries' fees
and expenses, travelling expenses, rents, printing and supplies          14,909.17
Agency and organization expenses—Commissions, salaries, travelling expenses,
and miscellaneous          21,877.18
Other expenses—Advertising, medical fees, taxes and licences, telephone, telegram and express, light, fuel and water, meeting of Supreme Body, and
miscellaneous    8,196.39
Balance         59,097.70
$223,545.47
T Returns for British Columbia.
Income—
Premiums and dues—
Mortuary Fund 	
Sickness Fund 	
Juvenile Fund 	
General Fund 	
Disbursements—
Mortuary Fund  	
General Fund 	
$5,704.49
70.13
12.60
832.46
$6,619.68
$1,620.00
2,248.56
$3,868.56
THE TORONTO GENERAL INSURANCE COMPANY.
Head Office—Toronto, Ont.
Directors.
Lieut.-Colonel C. F. Ackerman.
J. T. Braund.
C. W. Buchanan.
C. F. Cummings.
R. T. Evans.
W. W. Evans.
W. P. Fess.
P. F. Horst.
Ray Lawson.
M. A. McKenzie, M.A.
Right Hon. A. Meighen.
G. Larratt Smith.
J. Fyfe Smith.
T. G. Breck, Secretary. Statement for the Year ended December 31st, 1931.
Assets.
Mortgages on real estate   $46,450.00
Bonds and debentures (book value)   947,560.34
Stocks  (market value)    7,000.00
Cash on hand and in banks   117,832.51
Interest due and accrued   16,060.89
Agents' balances and premiums uncollected (net, commission deducted)    136,129.83
Amount due for reinsurance on losses already paid  823.11
Excess of market value over book value, bonds and debentures   10,067.14
Amount due from unlicensed reinsurance companies   30,036.15
$1,311,959.97
Deduct assets not admitted—
Agents' balances on premiums written prior to October 1st, 1931  $27,547.74
Agents' balances unconfirmed       1,131.70
Reinsurance balances          121.98
Excess of market value over book value of bonds      10,067.14
         38,868.56
$1,273,091.41
Liabilities.
Provision for unpaid claims   $260,770.78
Reserve of unearned premiums (net, at 80 per cent.)   277,252.28
Reserve for unpaid losses under unlicensed reinsurance   30,192.98
Expenses due and accrued   20,965.15
Taxes  14,000.00
Reinsurance premiums   8,117.09
Return premiums   1,365.95
Contingent reserve   25,000.00
Liability re Workmen's Compensation insurance, Quebec   53,268.49
Capital—
Authorized   $600,000.00
Paid up  :  284.390.25
Surplus  297,768.44
$1,273,091.41
Profit and Loss Account.
Premiums earned (net)       $985,504.94
Losses and claims incurred  (net)    $619,313.04
Adjustment expenses       50,718.99
Commissions      201,999.57
Taxes        13,734.68
Salaries, fees, and travelling expenses    136,044.71
All other expenses—Advertising, furniture and fixtures, inspections and
surveys, legal maps and plans, postage, telegrams, telephone and
express, printing and stationery, rents, Underwriters' Boards and
Tariff  Associations,   donations,  group  life  premiums,  mercantile
and miscellaneous expense       62,775.86
    1,084,586.85
Underwriting loss        $99,081.91 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1931. G 39
Other revenue—
Interest     $54,761.03
Increase in market value of investments       24,269.31
Premium on United States funds   765.51
 $79,795.85
$19,286.06
Other expenditure—Loss on sale of investments  53,276.19
Net loss         $72,562.25
.  Returns for British Columbia.
(See pages 46, 50, 52, 53, 54, 55, 57, 58, and 59.)
UNITED PACIFIC CASUALTY INSURANCE COMPANY.
Head Office—Seattle, Wash.
Directors.
J. C. Bowles. Wm. P. Matthan.
R. M. Drumheller. J. W. Reynolds.
Ben B. Ehrlichman. Henry A. Rhodes.
R. I. Ehrlichman. E. B. Sherwin.
Thomas G. Hammond. Frost Snyder.
F. W. Hurlbut. W. H. White.
Charles T. Hutson. Frederick A. Wing.
Charles T. Hutson, Secretary.
Statement for the Year ended December 31st, 1931.
Assets.
Mortgages on real estate  $9,500.00
Bonds (book value)    921,633.79
Stocks (book value)  :  109,026.25
Cash on hand and in banks  86,801.01
Premiums in course of collection   172,373.28
Accounts receivable   13,630.06
Interest due and accrued  9.727.64
$1,322,692.03
Deduct assets not admitted—
Premiums in course of collection effective prior to October 1st, 1931.. $13,594.31
Miscellaneous accounts receivable   84.19
Book value of bonds and stocks over market value       4,332.50
         18,011.00
$1,304,681.03
Liabilities.
Unpaid claims  (net)  $46,973.37
Reserve for unpaid claims   134,086.00
Unearned premiums   404,977.57
Commissions   36,632.13
Salaries, rents, expenses, bills, accounts, fees, etc., due or accrued  1,014.80
Reserve for taxes   13,142.88
Reinsurance premiums accrued   10,825.25 G 40 BRITISH COLUMBIA.
Received in advance on collision losses  $98.75
Contingent reserve   56,930.28
Capital authorized and paid up   400,000.00
Surplus  200,000.00
$1,304,681.03
Income.
Premiums (net)   $1,017,081.17
Interest    54,419.03
Increase in surplus by transfer of reserve for old losses   2,350.20
Profit on sale or maturity of bonds and stocks  2,055.52
Accumulation of bond discount  2,327.52
Balance  314,924.33
$1,393,157.77
Disbursements.
Claims paid (net)   $601,387.66
Investigation and adjustment of claims   99,848.33
Policy fees retained by agents   5,126.00
Commissions or brokerage   207,052.51
Salaries  and  all  other  compensation  of  officers,  directors,   trustees,  and  Home
Office employees   108,083.04
All other expenses—Salaries, travelling, medical examiners' fees and salaries,
inspections, rents, General Office maintenance and expense, taxes, licences and
fees, legal expenses, advertising, printing and stationery, postage, telegraph,
telephone, exchange and express, insurance, furniture and fixtures, books,
newspapers and  periodicals,  bureau and association  dues  and  assessments,
and miscellaneous -.  127,469.60
Miscellaneous investment expense   3,976.74
Agents' balances charged off  ;  7,370.47
Loss on sale or maturity of bonds and stocks   190.126.53
Adjustment in book value of ledger assets   42,716.89
$1,393,157.77
Returns for British Columbia.
(See pages 50, 52, 53, 55, and 58.)
WESTERN EMPIRE LIFE ASSURANCE COMPANY.
Head Office—Winnipeg, Man.
Directors.
R. W. Craig, K.C. Cecil Rice-Jones.
General H. M. Dyer. Dr. A. J. Fraser.
William Hudson. William Harvey.
Dr. A. M. Campbell.
S. F. Conrod, Secretary.
Statement for the Year ended December 31st, 1931.
Assets.
Real estate (book value)    $31,472.67
Mortgage loans on real estate   1,057,842.35
Loans and advances to policyholders   490.946.09
Bonds and debentures (book value)   _  229,560.30 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1931. G 41
Cash on hand and in banks   $14,952.67
Interest due and accrued   108,954.44
Premiums due and uncollected   97,362.58
$2,031,091.10
Liabilities.
Liability under assurance and other contracts (net)   $1,494,881.00
Payments due under contracts (net)    13,485.81
Amounts left with Company  5,264.00
Premiums paid in advance   2,388.77
Reserve for taxes   6.000.00
Commissions  415.29
Borrowed money   175,000.00
Provision for quinquennial dividends not yet due   4,000.00
Other liabilities   3,388.13
Capital—
Authorized    $1,000,000.00
Subscribed         881,000.00
Paid up  218,120.09
Contingent reserves   47,352.00
Undivided surplus   60,796.01
$2,031,091.10
Income.
Premiums   (net)     $286,739.72
Interest and dividends   75,220.40
Other income   351.70
$362,311.82
Disbursements.
Disbursements under assurance contracts        $77,127.96
Interest or dividends to shareholders .'. 8,758.00
Taxes, licences, and fees   7,794.23
Head Office expenses—Salaries, directors' fees, auditors' fees, travelling expenses,
and rents   43,307.98
Branch office expenses—Commissions, salaries, travelling expenses, advances, rents,
and miscellaneous   84,212.39
All other expenses—Advertising, office furniture, books and periodicals, postage,
express, telegrams and telephones, printing and stationery, legal fees, medical
fees, investment expenses, and miscellaneous   31,691.82
Balance        109,359.38
$362,311.82
Returns for British Columbia.
(See page 42.) G 42
BRITISH COLUMBIA.
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BRITISH COLUMBIA.
TABLE II.—LIFE INSURANCE COMPANIES.
1927.
1928.
1929.
1930.
1931.
$11,645,000
341,932,000
2,158,000
$12,232,000
372,689,000
2,465,000
$13,545,000
411,056,000
3,004,000
$14,282,000
438,702,000
3,292,000
$14,835,000
446,384,000
3 126,000
TABLE III.—FIRE INSURANCE PREMIUMS AND LOSSES IN 1931.
Name of Company.
Net
Premiums
written.
Net Losses
paid.
Net
Premiums
earned.
Net Losses
incurred.
Acadia Fire Insurance Co	
Aetna Insurance Co	
Agricultural Insurance Co	
Alliance Assurance Co., Ltd	
Alliance Insurance Co. of Philadelphia	
American Alliance Insurance Co	
American Central Insurance Co	
American Equitable Assurance Co. of N.Y	
American Home Fire Assurance Co	
American Insurance Co	
Anglo Scottish Insurance Co., Ltd	
Atlas Assurance Co., Ltd	
Automobile Insurance Co. of Hartford	
Baloise Fire Insurance Co	
Bankers' & Traders' Insurance Co., Ltd	
Beaver Fire Insurance Co	
Boston Insurance Co	
British America Assurance Co	
British & European Insurance Co., Ltd	
British Canadian Insurance Co	
British Colonial Fire Insurance Co	
British Crown Assurance Corporation, Ltd	
British Empire Assurance Co	
British General Insurance Co., Ltd	
British Law Insurance Co., Ltd	
British North Western Fire Insurance Co	
British Oak Insurance Co.,  Ltd	
British Traders Insurance Co., Ltd	
Caledonian American Insurance Co	
Caledonian Insurance Co	
California Insurance Co	
Camden Fire Insurance Co	
Canada Accident & Fire Assurance Co	
Canada National Fire Insurance Co	
Canada Security Assurance Co	
Canadian Fire Insurance Co	
Canadian General Insurance Co	
Canadian Indemnity Co	
Canadian  Surety Co	
Car and General Insurance Corporation, Ltd	
Casualty Co. of Canada	
Central Insurance Co., Ltd	
Central Manufacturers Mutual Insurance Co	
Central Union Insurance Co	
Century Insurance Co., Ltd	
Chicago Fire & Marine Insurance Co	
China Fire Insurance Co., Ltd	
Citizens Insurance Co. of Jersey City	
City of New York Insurance Co	
Columbia Insurance Co	
Commercial Union Assurance Co., Ltd	
Commercial Union Fire Insurance Co. of N.Y	
Connecticut Fire Insurance Co	
Consolidated Fire & Casualty Insurance Co	
Continental  Insurance Co	
Cornhill Insurance Co., Ltd	
County Fire Insurance Co	
Dominion Fire Insurance Co	
Dominion of Canada General Insurance Co	
Eagle Star & British Dominions Insur. Co., Ltd.
Carried forward	
$33,278.18
42,734.83
9,396.26
49,409.30
43,409.55
11,210.03
7,497.38
14,451.17
8,820.74
9,575.61
29,000.74
67,919.51
3,135.39
6,016.06
36,942.57
2,585.01
Nil
35,694.95
3,902.46
12.298.87
15,857.51
38,540.41
26,516.93
13,875.11
22,542.80
19,679.25
11,723.28
27,176.10
16,766.35
48,370.691
15,542.71|
4,321.24
18,979.54
32,899.99
12,751.22
34,428.12
18,718.41
11,805.81
.4,386.55
12,110.70
3,985.78
16,588.66
2,595.19
2,852.54
31,726.36
2,756.59
2,150.83
8,677.95
10,478.92
12,658.82
6S.784.29
8,136.73
28,211.21
3,014.19
30.33S.47
44,500.02
1,425.24
36,170.89
12,081.33|
46,784.161
$9,529.97
19,573.78
6,989.88
14,781.28
11,489.45
5,869.39
7,452.37
5,917.38
3,158.56
8,830.97
14,091.93
26,156.90
1.22
265.35
16,377.58
4,586.19
13,488.74
20,175.23
1,318.12
5,066.09
9,404.50
9,980.12
17,661.47
7,160.66
9,010.15
5,074.39
5,782.99
11,716.23
2,089.71
10,700.44]
9,085.50
2,074.22
12,051.10
29,741.74
4,002.07
10,638.13
5,074.26
5,169.80
146.54
3,198.42
388.19
10,241.81
142.41
438.88
15,125.75
3,939.75
12.38
14,296.08
9,041.98
3,239.03
24,342.52
4,545.73
8,703.79
611.47
18,062.93
16,093.70
Nil
16,270.67
4,255.37
20,435.95
$17,970.14
50,430.22
11,940.51
49,106.66
38,293.60
11,536.66
9,835.99
11,932.11
7,539.68
9,897.23
35,623.02
84,104.82
1,232.93
4,464.74
42,070.19
3,234.79
7,248.45
39,339.39
5,950.69
15,240.63
11,896.04
40,113.14
22,817.99
14,739.07
22,145.59
22,545.92|
14,017.72)
27,852.301
16,948.59|
51,265.58|
20,264.75
2,281.18
25,159.19
35,378.56
14,997.78
44,879.31
18,118.88
14,083.42
3,092.49
14,782.56
4,885.05
18,066.91
3,190.58
1,902.60
36,872.65
2,631.75
1,689.27
8,058.35
9,242.56
15,595.00
78,003.75
9,757.43
28,893.02
2,836.60
44,018.32
41,042.72
731.15
38,993.21
17,628.62
46,398.70
$11,408.61
10,660.42
9,415.17
16,383.73
7,499.45
6,219.39
9,523.68
3,557.38
3,205.50
10,910.97
13,692.22
26,513.90
1.22
286.56
16,705.99
4,601.19
13,011 58
19,183.23
1,346.00
11,241.09
9,229.05
13,493.54
19,245.47
7,706.03
9,554.39
6,925.06
9,485.40
10,813.23
1,820.54
10,137.96
7,406.25
2,607.22
13,618.80
29,497:28
3,014.07
8,410.23
6,029.04
4,682.30
149.83
5,203.42
388.19
8.395.17
148.89
443.88
14,636.72
4,005.98
12.38
6,868.56
17,551.98
3,861.08
28,284.14
6,418.35
6,008.79
614.10
16,652.81
20,371.70
3,617.74
16,296.66
4,243.16
22,388.65
$1,208,189,301     $534,071.21| $1,304,810,841     $535,615.41
I I I REPORT OF THE SUPERINTENDENT OF INSURANCE, 1931.
G 45
TABLE III.—FIRE INSURANCE PREMIUMS AND LOSSES IN 1931—Continued.
Name of Company.
Net
Premiums
written.
Net Losses
paid.
Net
Premiums
earned.
Net Losses
incurred.
Brought forward    $1,208,189.301     $534,071.211 $1,304,810.84]     $555,615.41
Employers Liability Assurance Corporation, Ltd..
Ensign Insurance Co	
Equitable Fire & Marine Insurance Co	
Essex & Suffolk Equitable Insurance Society, Ltd.
Fidelity Phenix Fire Insurance Co	
Fire Association of Philadelphia	
Fire Insurance Co. of Canada	
Fireman's Fund Insurance Co	
Firemen's Insurance Co. of Newark	
First American Fire Insurance Co	
First National Insurance Co. of America	
Fonciere Fire Insurance Co	
fFranklin Fire Insurance Co. of Philadelphia	
Fulton Fire Insurance Co	
General Accident Assurance Co. of Canada	
General Accident Fire & Life Assur. Corp., Ltd—
General Fire Assurance Co. of Paris	
General Insurance Co. of America	
Girard Fire & Marine Insurance Co	
Glens Falls Insurance Co	
Globe & Rutgers Fire Insurance Co	
Globe Indemnity Co. of Canada	
Great American Insurance Co	
Guardian Assurance Co., Ltd	
Guardian Insurance Co. of Canada	
Guildhall Insurance Co., Ltd	
Halifax Fire Insurance Co	
Hanover Fire Insurance Co	
Hardware Dealers Mutual Fire Insurance Co	
Hartford Fire Insurance Co	
Home Fire and Marine Insurance Co	
Home Insurance Co	
•Homestead Fire Insurance Co..	
Hudson Bay Insurance Co	
Imperial Assurance Co	
Imperial Guarantee & Accid. Insur. Co. of Canada...
Imperial Insurance Office	
Insurance Company of North America	
Insurance Co. of the State of Pennsylvania	
La Salle Fire Insurance Co	
f tLaurentian Insurance Co	
Law, Union & Hock Insurance Co., Ltd	
Legal and General Assurance Society	
Liverpool & London & Globe Insurance Co., Ltd....
Liverpool-Manitoba Assurance Co	
Local Government Guarantee Society, Ltd	
London & Lancashire Guar. & Accid. Co. of Canada
London & Lancashire Insurance Co., Ltd	
London & Provincial Marine & Gen. Insur. Co., Ltd.
London & Scottish Assurance Corporation, Ltd	
London Assurance Corporation	
London-Canada Insurance Co	
London Guarantee & Accident Co., Ltd	
Lumber Mutual Fire Insurance Co	
Lumbermen's Insurance Co	
Lumbermen's Mutual Insurance Co	
Marine Insurance Co., Ltd	
Maryland Insurance Co	
Mechanics & Traders Insurance Co	
Mercantile Fire Insurance Co	
Merchants and Manufacturers Fire Insurance Co..
Merchants Fire Assurance Corporation of N.Y	
Merchants Marine Insurance Co., Ltd	
Mercury Insurance Co	
Michigan Fire & Marine Insurance Co	
Millers National Insurance Co	
Mill Owners Mutual Fire Insurance Co. of Iowa...
Minnesota Implement Mutual Fire Insurance Co.—
Motor Union Insurance Co., Ltd	
Mount Royal Assurance Co	
Carried forward	
I,
I
36,987.97
11,908.92
9,698.57
10,157.87
41.053.57
8,527.22
39,828.84
42,155.99
22,210.81
8,025.79
23,949.11
17,305.92
12,473.31
4,134.56
6,793.92
2,146.20
38,589.50
10,410.41
17,729.84
14,867.44
9,217.38
1,580.54
10,811.43
1,585.88
2,949.98
13,674.61
10,638.44
11,288.92
46,143.06
970.70
7,168.71
44,588.79
22,258.26
26,192.23
105,330.06
20,454.71
10,369.07
19,764.29
11,430.59
23,972.28
69,761.51
10,708.12
126,840.86
17,177.27
22,790.58
5,727.72
25,229.05
56,403.52
14,857.77
524.09
34,413.4
22,793.99
117,155.37
26,753.19
8,968.10
6,186.43
129,027.52
5,039.59
12,287.18
62,455.80
11,205.42
27,951.92
1,962.96
13,170.32
9,223.91
Nil
8,741.85
12,106.19
19,800.83
25,098.31
53,876.47
18,289.08
5,662.26
.15,587.96
21,889.76
9,254.62
23,972.28
7,586.58
30,678.37
333.03
5,987.10
4,094.61
4,364.03
11,895.18
Nil
4,872.61
37,288.90
7,995.06
18,383.88
70,129.43
5,27S.26
15,311.13
2,256.78
3,256.66
7,212.97
29,992.38
15,998.03
103,660.17
42,887.35
15,516.10
11,599.79
10,106.51
68,134.42
13,387.99
47,750.92
46,855.44
26,452.55
9,800.33
27,067.10
16,129.02
■I
8,553.84
6,713.36
3,932.60
11,739.17
31,978.52
3,438.08
2,373.08
11,777.78
12,698.43
57,650.61
19,165.60
1,245.76
2,183.48
67,486.01
9,095.79
4,514.43|
18,527.73
3,833.16
18,356.30
148.88
4,250.18
1,850.44
Nil
18,104.86
14,412.64
11,394.47
4,080.30
16,165.81
7,608.57
3,358.69
5,072.25
10,115.81
4,241.19
7.212.97
6,157.65
6,210.40
1,698.30
17,029.57
14,159.99
13,332.02
47,727.45
1,431.69
6,573.24
44,232.10
22,789.00
22,569.17
119,913.22
14,791.53
14,361.78
23,943.60
10,987.00
24,923.17
69,766.28
12,979.78
132,886.43
17,567.82|
23,078.55
6,743.41
27,265.63
50,205.20
16,085.97
524.09
14,445.31
4,514.74
7,827.92
966.20
12,544.04
12,234.38
20,315.84
17,051.21
9,817.54
8,025.79
4,782.74
6,240.88
476.60
9,735.46
12,472.27
4,386.03
11,375.18
6.00
5,058.61
46,441.78
6,616.82
20,708.88
64,659.18
5,983.46
15,571.57
1,581.78
1,353.40
5,728.30
34,860.04
14,825.31
110,100.17
"8,680.84
7,852.49
1,406.60
15,223.17
29,742.52
4,517.09
2,848.08
16,557.78
11,665.25
48,256.03
17,223.77
1,710.76
3,737.48
74,425.01
4,345.79
2,024.43
20,196.74
6,031.02
7,568.36
148.88
4,950.18
1,856.92
Nil
15,208.86
12,259.76
12,941.47
4,527.30
15,672.81
6,958.57
3,979.35
6,505.25
11,298.81
2,969.72
5,728.30
6,164.65
8,250.40
$2,9487i55i^5| $l,4297370T73rp7l21,881.13r$r,4497T63r88
I I I
38,395.53
20,153.54
133,253.01
32,598.68
7,483.98
6,543.59
134,956.17
5,224.35
14,441.03
66,186.74
11,931.30
11,719.43
981.48
11,796.03
4,456.99
Nil
10,218.30
13,688.98
23,181.96
20,429.44
55,749.66
19,942.81
6,634.54
7,516.52
23,713.18
8,674.98
24,923.17
9,020.49 G 46
BRITISH COLUMBIA.
TABLE III.—FIRE INSURANCE PREMIUMS AND LOSSES IN 1931—Continued.
Name of Company.
Net
Premiums
written.
Net Losses
paid.
Net
Premiums
earned.
Net Losses
incurred.
Brought forward	
Mutual Fire Insurance Co. of British Columbia
National Ben Franklin Fire Insurance Co	
Nationale Fire Insurance Co. of Paris	
National Fire Insurance Co. of Hartford	
**National Liberty Insurance Co. of America....
National Liverpool Insurance Co	
National Provincial Insurance Co., Ltd	
National Union Fire Insurance Co	
Newark Fire  Insurance Co	
New Brunswick Fire Insurance Co	
New Hampshire Fire Insurance Co	
New Jersey Insurance Co	
New York Underwriters Insurance Co	
Niagara Fire Insurance Co	
North British & Mercantile Insurance Co., Ltd...
North Empire Fire Insurance Co	
Northern Assurance Co.,  Ltd	
North River Insurance Co	
Northwestern Mutual Fire Association	
Northwestern National Insurance Co	
North West Fire Insurance Co.	
Norwich Union Fire Insurance Society, Ltd	
Occidental Fire Insurance Co	
Ocean Accident & Guarantee Corporation, Ltd...
Ohio Farmers Insurance Co	
Pacific American Fire Insurance Co ...
Pacific Coast Fire Insurance Co *	
Pacific Fire Insurance Co	
Palatine Insurance Co., Ltd	
Patriotic Assurance Co.,  Ltd	
Pearl Assurance Co., Ltd	
Phenix Fire Insurance Co. of Paris	
Philadelphia Fire & Marine Insurance Co	
Phoenix Assurance Co., Ltd	
Phoenix Insurance Co. of Hartford	
Pioneer Insurance Co	
Planet Assurance Co., Ltd	
Portage la Prairie Mutual Fire Insurance Co	
Providence Washington Insurance Co	
Provident Assurance Co 	
Provincial Insurance Co., Ltd	
Prudential Assurance Co., Ltd	
Quebec Fire Assurance Co	
Queen Insurance Co. of America	
Queensland Insurance Co., Ltd	
Railway Passengers Assurance Co	
Reliance Insurance Co. of Canada	
Retail Hardware Mutual Fire Insurance Co	
Rhode Island Insurance Co	
Royal Exchange Assurance	
Royal Insurance Co., Ltd	
Royal Scottish Insurance Co., Ltd	
St. Paul Fire & Marine Insurance Co	
Scottish Canadian Assurance Corporation	
Scottish Metropolitan Assurance Co., Ltd	
Scottish Union & National Insurance Co	
Sea Insurance Co., Ltd	
Security Insurance Co. of New Haven	
Sentinel Fire Insurance Co	
Southern Insurance Co., Ltd	
Springfield Fire & Marine Insurance Co., Ltd	
State Assurance Co., Ltd	
Stuyvesant Insurance Co	
Sun Insurance Office	
Sussex Fire Insurance Co	
Svea Fire & Life Insurance Co., Ltd	
Tokio Marine & Fire Insurance Co., Ltd	
Toronto General Insurance Co	
Trans Canada Insurance Co	
Travelers Fire Insurance Co	
Carried forward -	
I ! I
$2,948,355.35| $1,429,370.73 $3,121,881.131 $1,449,763.88
I
43.270.80|
23,541.01 j
31,998.55|
47,283.911
6,607.70
21,469.04
21,199.46
10,742.37
9,131.52]
11,144.51
20,465.79
2,164.52
19,130.70
64,092.91
23,282.63
43,847.04
6,877.99
142.232.31
18,174.16
10,285.96
85,720.93
22,988.55
26,252.02
31,575.75
40,800.14
28,585.18
20,335.69
23,425.17
15,358.42
7,582.52
7,281.02
1,675.62
249,061.85
27,442.51
8,514.35
13,808.87
26,810.29
9,885.78
362.41
37,130.26
31.369.11
25,689.81
47,301.34
12.398.23
12,329.00
7.82S.31
23,972.28
2,263.67
47,452.64
174,767.33
10,987.31
18,950.28
14,369.64
19,479.76
45,000.33
23,638.52
11,700.44
1,074.01
4,804.31
51,090.42
20,576.74
28,094.15
70.434.26
8,892.92
16,118.59
Nil
13,341.51
17,745.64|
2S.100.091
^999,672.86]
32,028.12|
15,766.34 j
8,213.551
14,608.40
3,354.85
6,129.12
19,640.19
5,361.48
2.001.95
5,722.42
3,165.56
1,224.21
56,219.42
48,255.07
9,753.35
15,889.57
5,501.19
25,893.88
8,405.49
3,517.50
36,378.82
5,250.47
12,126.38
4,076.78
15,786.36
11,690.01
11,849.44
6,948.93
4,805.91
657.27
3,713.75
80.00
94,772.56
20,223.71
11,406.30
7,489.05
5,371.28
8,245.00
Nil
15,888.72
24,782.78
8,231.52
23,737.74
742.95
4,570.51
1.147.18
7,212.97
74.55
17,170.36
79,095.82
6,494.93
11,011.58
3,443.51
5,867.21
37,916.66
19,633.57
12,463.93
766.54
795.53
21,855.62
5,387.33
15,572.03
38.087.53
2,061.86
24,681.86
Nil
620.82]
3,135.82|
6,494.67 j
!,379,840.57|
I
45,537.04
26,217.46
43,253.52
46,615.82
1
1,460.97
23,828.67
31,130.36
14,120.87
5,187.62
11,734.38
18,952.56
2,568.37
26,774.88
70,742.58
19,522.59
51,693.29
9,267.68
145,903.38
22,354.41
11,470.05
91,551.71
22,749.59
25,228.80
17,717.55
8,160.03.
31,322.47|
16,922.66
27,586.83
16,853.68
8,303.21
9,155.98
2,971.98
290,705.38
34,072.67
18,953.43
14,834.80
15,398.01
11,504.95
180.83
37,789.35
45,558.39
27,943.25
50,004.47
15,273.38
10,050.67
8.653.01
24,923.17
1,966.70
51,651.65
181,092.67
13,466.02
21,214.80
14,474.71
24,277.59
49,814.37
24,887.36
12,819.30
1,169.97
3,947.83
47,716.58
19,923.12
27,358.74
74.S16.49
8,722.58
20,222.16
Nil
9.238.82
18,042.99|
20,069.90 j
>5,281,548.29|
I
33,876.72
9.250.10
12,866.55
16,151.84
3,671.14
6,261.12
21,475.80
5,425.48
2,001.95
5,951.97
5,403.18
1,476.46
57,127.89
41,668.41
10,114.63
22,984.57
5,481.19
36,696.76
10,790.15
4,897.50
40,503.82
5,738.15
14,616.38
1,965.68
17,666.36
11,349.30
6,667.44
11,933.09
17,55S.01
438.27
3,779.75
80.00
103,431.15
15,043.36
11,737.36
9,926.65
5,470.53
8,333.37
Nil
16,320.72
24,447.78
8,109.52
23,856.74
2,594.76
4,807.48
1.482.51
5,728.30
74.55
16,365.36
80,554.82
1,212.93
7,862.08
7,993.51
8,377.21
34,327.12
13,133.57
12,055.93
1,370.54
795.53
25,579.62
5,102.33
15,986.03
30.992.94
2,532.86
19,666.07
Nil
2,667.82
4,460.82
9,304.19
$2,437,940.20 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1931.
G 47
TABLE III.—FIRE INSURANCE PREMIUMS AND LOSSES IN 1931—Continued.
Name of Company.
Net.
Premiums
written.
Net Losses
paid.
Net.
Premiums
earned.
Net Losses
incurred.
Brought forward	
Union Assurance Society, Ltd	
Union Fire, Accident & General Insurance Co. of
Paris..	
Union Insurance Society of Canton, Ltd	
Union Marine & General Insurance Co., Ltd	
United British Insurance Co., Ltd	
United Firemen's Insurance Co	
United Mutual Fire Insurance Co	
United States Fire Insurance Co	
Universal Insurance Co	
Virginia Fire & Marine Insurance Co  .....
Wawanesa Mutual Insurance Co	
Westchester Fire Insurance Co	
Western Assurance Co	
♦"Westminster Eire Office	
World Fire and Marine Insurance Co	
World Marine & General Insurance Co., Ltd	
fffYang-tsze  Insurance Association, Ltd	
Yorkshire Insurance Co., Ltd	
 Totals	
 Totals for 1930.—	
fFranklin Fire Insurance Co. of Philadelphia	
(Reinsured by Home Insurance Co.)
♦Homestead Fire Insurance Co	
(Reinsured by Home Insurance Co.)
ffLaurentian Insurance Co	
(Company ceased business in B.C. which
was reinsured by British Colonial Fire
Ins. Co.)
""•National Liberty Insurance Co. of America	
(Reinsured by Home Insurance Co.)
♦"Westminster Fire Office (gross)	
(Reinsured by Alliance Assurance Co., Ltd.)
fffYang-tsze Insurance Association, Ltd	
(Company ceased to write fire insurance in
B.C., and fire business reinsured by the
Pacific American Fire Ins. Co.)
I I I
$4,999,672.80| $2,379,840.571 $5,281,548.291 $2,437,940.20
35,732.79
13,105.11
39,310.16
15,087.61
14,602.87
11,016.41
16,064.27
12,314.41
38,608.54
14,435.34
43,360.68
15,840.34
Nil
Nil
Nil
mi
6,625.65
2,706.13
7,726.68
2,700.13
9,589.96
3,151.02
5,636.02
3,790.66
6,431.50
1,955.87
5,820.43
1,474.44
43,278.82
23,827.07
43,966.03
28,875.07
10,489.64
1,283.27
9,570.20
1,299.95
1,877.96
524.59
1,767.35
588.83
55,041.25
61,964.71
46,106.30
61,994.71
15,380.01
13,595.74
18,839.33
14,472 46
26,245.34
18,526.24
27,267.42
17,307.24
9,100.84
5,047.17
12,037.01
4,574.80
14,223.46
991.13
14,913.87
1,219.13
29,465.24
11,400.05
32,642.74
13,978.65
$5,316,372.731 $2,563,371.021 $5,606,576.781 $2,633,460.63
$5,904,594.35| $3,671,727.231 $5,920,S05.74| $3,724,737.51
1,614.751 $8,410,721       $12,186,551 $8,202.72
1                            I I
  |           2,160.48|      | 2,160.48
1,430.02
1,276.33 31.40
11,798.871 272.81
4,119.11
613.54
1,424.02
431.40
4,119.11
Reciprocal Exchanges.
Net Premium
Deposits
written.
Net Losses
paid.
Net Premium
Deposits
Net Losses
incurred.
Affiliated Underwriters 	
Canners  Exchange   Subscribers  at  Warner   Inter
Insurance Bureau	
Equitable Fire Underwriters..	
Individual Underwriters	
Inter Insurers Exchange..	
Lumbermen's Underwriting Alliance	
Manufacturing Lumbermen's Underwriters	
National Lumber Manufacturers Inter Insurance
Exchange	
New York Reciprocal Exchange	
Sprinklered Risk Underwriters —
Underwriters Exchange	
Warner Reciprocal Insurers 	
Totals	
$710.75
3,703.39
636.70
2,771.09
1.689.95
19,911.11
12,491.96
1.565.03
4,821.84
Nil
3,030.42
556.66
$147.67
Nil
Nil
1.50
30.12
245 85
275.00
Nil
Nil
Nil
Nil
0.84
$5,417.79
4,245.83
663.70
2,391.10
513.52
21,719.22
13,295.00
2,189.93
5,263.91
Nil
3,018.55
306.51
$147.07
Nil
Nil
1.50
30.12
245.85
Nil
Nil
Nil
Nil-
Nil
0.84
$51,954.90|
I
$706.9S
$59,085.78|
$431.98 G 48
BRITISH COLUMBIA.
TABLE IV.—FIRE INSURANCE SUMMARY.
Year.
Net Premiums
written.
Net Amount of
Losses paid.
Net Premiums
earned.
Net Amount of
Losses incurred.
Ratio Losses
incurred to
Premiums
earned.
1927	
$5,653,679.51
6,032,585.21
6,131,977.59
5,904,594.35
5,310,372.73
$2,432,973.37
2,090,357.38
3,143,631.58
3,671,727.23
2,563,371.02
$2,053,790.62
2,162,247.93
3,231,816.37
3,724,737.51
2,633,460.63
1928
$5,802,250.12
5,957,509.40
5,920,805.74
5,600,570.78
37 26
1929	
54.02
1930	
1931	
62.90
40.92
Totals	
$29,039,209.39
$13,902,060.58
$23,287,142.04
$13,806,053.06
TABLE V.—AUTOMOBILE INSURANCE PREMIUMS AND LOSSES IN 1931.
Name of Company.
Net
Premiums
written.
Net Losses
paid.
Net
Premiums
earned.
Net Losses
incurred.
Aetna Casualty & Surety Co	
Aetna Insurance Co	
Agricultural Insurance Co	
Alliance Assurance Co., Ltd	
Alliance Insurance Co. of Philadelphia	
American Alliance Insurance Co	
American Automobile Fire Insurance Co	
American Automobile Insurance Co	
American Central Insurance Co	
American Home Fire Assurance Co	
Anglo Scottish Insurance Co., Ltd	
British America Assurance Co	
British Canadian Insurance Co	
British Colonial Fire Insurance Co	
British Empire Assurance Co	
British General Insurance Co., Ltd	
British Law Insurance Co	
British Oak Insurance Co.,  Ltd	
British Traders Insurance Co., Ltd	
Caledonian Insurance Co	
Canada Accident & Fire Assurance Co	
Canada Security Assurance Co	
Canadian Fire Insurance Co	
Canadian General Insurance Co	
Canadian Indemnity Co	
Canadian Surety Co	
Car & General Insurance Corporation	
Casualty Co. of Canada	
Central Insurance Co., Ltd ,	
Central Manufacturers Mutual Insurance Co....
Century Indemnity Co	
Century Insurance Co., Ltd	
China Fire Insurance Co., Ltd	
Columbia Insurance Co	
Commercial Union Assurance Co., Ltd	
Consolidated Fire & Casualty Insurance Co	
Continental Casualty Co	
Continental  Insurance  Co	
Cornhill Insurance Co	
County Fire Insurance Co	
Dominion Fire Insurance Co	
Dominion of Canada General Insurance Co	
Employers Liability Assurance Corporation	
Equitable Fire & Marine Insurance Co	
Fidelity & Casualty Co. of N.Y	
Fidelity Insurance Co. of Canada	
Fidelity Phenix Fire Insurance Co	
Fire Association of Philadelphia	
Fireman's Fund Indemnity Co	
Fireman's Fund Insurance Co	
Firemen's Insurance Co ,	
First National Insurance Co. of America	
ffFranklin  Fire Insurance Co	
General Accident Assurance Co. of Canada	
General Accident Fire & Life Assur. Corp., Ltd
General Casualty Co. of America	
Carried forward	
Nil
$2,847.101
Nil
13,942.74
2.62
Nil
37,937.16
34,219.51
Nil
Nil
3,185.05
35,753.75
6,595.92
12,616.17
13,976.10
3,312.87
28,861.58
5,294.49
14,871.38
Nil
15,694.35
7,371.64
14,286.92
33,822.49
37,591.55
14,789.89
9,323.26
5,268.91
916.36
6,220.78
3,236.14
6,033.80
Nil
Nil
12,732.67
33,261.45
2,764.22
Nil
10,407.19
23.45
13,904.58
34,721.86
39,591.67
Nil
Nil
3,271.99
Nil
Nil
14,532.48
729.67
Nil
4,004.65
31,303.41
2,296.17
16,170.84
Nil
$319.93
Nil
6,342.50
Nil
Nil
21,210.15
23,852.59
Nil
20.20
529.07
14,541.90
3,376.66
3,403.22
12,067.01
2,047.42
21,209.74
1,323.53
7,961.24
Nil
10,543.41
1,869.24
8,022.83
9,142.40
29,899.67
5,347.15
4,091.24
5,509.96
1,629.06
1,143.72
264.68
2,483.36
Nil
Nil
8,355.91
13,541.55
973.35
Nil
5,517.70
Nil
8,528.46
17,649.74
21,244.57
Nil
Nil
641.35
Nil
35.42
1,218.96
766.29
Nil
751.93
I.
23,782.64
92.06
14,059.00
$315,310.81
I
Nil
$1,801.03
Nil
8,445.10
22.21
Nil
36,753.24
29,160.71
Nil
Nil
4,327.54
36,984.97
6,419.61
9,209.60
11,507.99
3,962.96
28,259.05
4,848.13
16,694.74
Nil
30,798.81
7,120.59
14,352.57
29,958.60
43,480.35
15,279.73
9,885.28
5,020.15
1,128.49
4,614.57
2,033.46
6,475.79
Nil
Nil
15,089.16
38,220.75
2,316.27
Nil
10,829.35
8.82
14,381.48
38,387.27
42,619.89
Nil
Nil
3,642.83
Nil
Nil
8,719.48
588.25
Nil
2,568.39
32.954.48
2,434.13
14,971.95
$596,343.83
Nil
$333.48
Nil
6,647.50
Nil
Nil
24,117.15
35,713.59
Nil
20.20
312.54
18.320.90
2,809.66
1,035.97
8,937.01
275.09
24,347.74
2,323.53
7,171.24
Nil
10,711.41
1,179.24
7,019.43
14,530.40
30,280.09
8,398.45
3,871.24
3.312.46
Nil
1,313.37
344.68
2,012.29
Nil
Nil
12,151.34
15,322.13
1,060.75
Nil
6,891.70
21.43
8,490.76
18,749.67
15,659.57
Nil
Nil
551.35
mi
10.42
1,218.96
271.29
Nil
937.93
24,143.78
92.06
20,615.40
$341,533.20 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1931.
G 49
TABLE V.—AUTOMOBILE INSURANCE PREMIUMS AND LOSSES IN 1931—Continued.
Name of Company.
Net
Premiums
written.
Net Losses
paid.
Net
Premiums
earned.
Net Losses
incurred.
Brought forward	
General Casualty Insurance Co. of Paris, France.
General Exchange Insurance Corporation	
General Insurance Co. of America	
Glens Falls Insurance Co	
Globe & Rutgers Fire Insurance Co	
Globe Indemnity Co	
Great American Indemnity Co	
Great American Insurance Co	
Guardian Insurance Co. of Canada	
Guildhall Insurance Co., Ltd	
Halifax Fire Insurance Co	
Hardware Dealers Mutual Fire Insurance Co	
Hartford Accident & Indemnity Co	
Hartford Fire Insurance Co	
Home Assurance Co. of Canada	
Home Fire and Marine Insurance Co	
The Home Indemnity Co	
Home Insurance Co	
♦Homestead Fire Insurance Co	
"Hudson Bay Insurance Co	
Imperial Guarantee & Accid. Insur. Co. of Canada.
Imperial Insurance Office	
Indemnity Insurance Co. of North America	
Insurance Co. of North America	
Law, Union & Rock Insurance Co	
Legal and General Insurance Society, Ltd	
Liverpool & London & Globe Insurance Co	
Liverpool-Manitoba Assurance Co	
London & Lancashire Guar. & Accident Co	
London & Lancashire Insurance Co	
London & Provincial Marine & General Ins. Co.—
London & Scottish Assurance Corporation	
London Assurance Corporation	
London-Canada Insurance Co	
London Guarantee & Accident Co	
Lumbermen's Mutual Casualty Co	
Lumbermen's Mutual Insurance Co	
Marine Insurance Co., Ltd	
Maryland Casualty Co	
Merchants Casualty Insurance Co	
Merchants Marine Insurance Co	
Mercury Insurance Co	
Metropolitan Casualty Insurance Co. of N.Y	
Minnesota Implement Mutual Fire Insurance Co..
Motor Union Insurance Co	
Mount Royal Assurance Co	
National Ben Franklin Fire Insurance Co	
National Fire Insurance Co. of Hartford	
National Union Fire Insurance Co	
National Union Indemnity Co	
Newark Fire Insurance Co	
New Jersey Insurance Co	
New York Indemnity Co	
New York Underwriters Insurance Co	
Niagara Fire Insurance Co	
North British & Mercantile Insurance Co., Ltd....
Northern Assurance Co., Ltd	
Northwest Casualty Co	
Northwestern Mutual Fire Association	
Northwestern National Insurance Co	
Norwich Union Fire Insurance Society, Ltd	
Occidental Fire Insurance Co	
^Occidental Indemnity Co	
Ocean Accident & Guarantee Corporation, Ltd....
Ohio Farmers Insurance Co	
Pacific Coast Fire Insurance Co	
Palatine Insurance Co	
Phoenix Assurance Co., Ltd	
Phoenix Insurance Co. of Hartford	
Portage la Prairie Mutual Fire Insurance Co	
Carried forward	
I
I
I
$587,088,891  $315,310,811  $506,343.83]  $341,533.20
2,163.12
18,812.22
13,570.07
Nil
16,433.61
785.97
43.27
Nil
56,650.90
2,597.11
5,429.15
10.681
12,655.54
3,618.31
Nil
4,731.49
Nil
3,818.00
2,583.41
8,709.48
61.36
285.13
6,691.66
7,387.35
28,667.40
4,733.79
54,351.09
4,900.84
6,171.62
799.17
4,764.09
17,124.17
54,010.24
63,092.33
Nil
2,755.80
892.57
Nil
1,243.06
156.57
26,531.59
10.68
25,955.65
11,071.01
778.33
Nil
1,220.12
1,472.17
1,250.21
3,811.39
4,028.26
Nil
Nil
7,501.75
14,542.46
21,098.49
45,444.56
2,702.52
19,848.01
9,822.73
42,408.97
4.001.51
9,046.79
8,716.91
120,762.93
Nil
38,052.03
$17410,068.531
I
1,843.26
13,750.48
7,342.47
Nil
8,090.00
677.23
Nil
Nil
26,455.52
739.95
2,123.13
Nil
4,934.59
3,091.87
Nil
4,484.48
Nil
5,751.60
2,145.38
1,189.80
Nil
163.41
2,310.33
4,552.43
12,548.00
2,652.89
22,103.19
6,183.62
2,922.52
23.80
569.72
13,505.27
35,890.94
22,869.86
Nil
1,125.88
9.50
31.00
785.45
12.41
10,247.11
Nil,
9,171.38
6,818.21
1,277.72
Nil
15,982.60
1,927.43
279.59
1,985.42
716.42
Nil
Nil
5,633.77
8,722.53
15,744.37
18,365.24
2,026.15
10,717.86
12,554.53
23,357.63
Nil
2,467.54
4,391.52
83,962.10
Nil
6,857.041
~$769,396.951
5,255.73
19,504.11
14,612.71
Nil
15,660.34
831.02
3.09|
Nil
60,312.371
2,659.791
4,301.27 [
11.941
12,168.46
3,498.04
Nil
4,887.47
Nil
4,763.28
3,933.67
9,191.18
108.08
437.88
6,950.99
6,765.81
27,177.62
4,738.22
55,322.39
5,609.66
5,643.97
818.88
4,867.42
12,921.78
58,461.32
46,031.88
Nil
1,887.69
717.38
Nil
1,430.09
270.86
27,581.83
11.94
26,388.12
Nil
1,086.75
Nil
2,722.49
2,764.65
1,374.72
3,805.80
9,150.91
Nil
Nil
6,408.13
15,277.20
23,495.83
49,533.13
3,319.53
21,448.42
10,136.90
43,637.81
2,400.91
9,399.96
9,716.98
121,284.09
Nil
23,645.89|
1,412,693.411
I
Nil
11,244.48
6,311.47
Nil
7,663.25
677.23
1,472.70
Nil
29,210.52
1,294.95
3,403.13
Nil
4,090.62
2,160.22
Nil
3,214.48
Nil
5,657.60
2,516.38
1,816.80
Nil
103.41
1,760.33
3,873.55
13,115.00
1,522.89
28,988.19
6,248.62
2,547.52
Nil
618.72
11,110.77
37,210.94
18,732.21
Nil
1,266.73
509.50
31.00
910.45
12.41
19,267.31
Nil
5,643.38
6,068.21
1,152.72
Nil
21,965.67
925.43
319.59
2,002.42
54.82
Nil
Nil
5,553.77
12,834.03
14,223.33
18,250.34
1,371.15
8,822.86
13,989.53
21,157.63
Nil
2,805.81
6,781.08
91,578.84
Nil
8,788.44
~ $814,385.63 G 50
BRITISH COLUMBIA.
TABLE V.—AUTOMOBILE INSURANCE PREMIUMS AND LOSSES IN 1931—Continued.
Name of Company.
Net
Premiums
written.
Net Losses
paid.
Net
Premiums
earned.
Net Losses
incurred.
Brought forward	
Preferred Accident Insurance Co	
Providence Washington Insurance Co	
Provident Assurance Co	
Provincial Insurance Co	
Prudential Assurance Co., Ltd	
Queen Insurance Co	
Railway Passengers Assurance Co	
Retail Hardware Mutual Fire Insurance Co	
Royal Exchange Assurance	
Royal Insurance Co., Ltd	
St. Paul Fire & Marine Insurance Co	
St. Paul Mercury Indemnity Co. of St. Paul	
Scottish Metropolitan Assurance Co	
Scottish Union & National Insurance Co	
Sentinel Fire Insurance Co	
Southern Insurance Co., Ltd	
Springfield Fire & Marine Insurance Co	
Stuyvesant Insurance Co	
Sun Insurance Office	
Toronto General Insurance Co	
Trans Canada Insurance Co	
Travelers Fire Insurance Co	
Travelers Indemnity Co	
Union Assurance Society, Ltd	
Union Fire, Accident & General Insurance Co	
Union Indemnity Co	
Union Insurance Society of Canton, Ltd	
Union Marine Insurance Co., Ltd	
United British Insurance Co., Ltd	
United Pacific Casualty Insurance Co	
United States Fidelity & Guaranty Co	
United States Fire Insurance Co	
Virginia Fire & Marine Insurance Co	
Wawanesa Mutual Insurance Co	
Western Assurance Co	
f Westminster Fire Office	
World Fire and Marine Insurance Co	
World Marine & General Insurance Co	
Yorkshire Insurance Co	
Zurich General Accident and Liability Ins. Co	
 Totals	
 Totals for 1930	
ffFranklin Fire Insurance Co	
(Reinsured by Home Insurance Co.)
♦Homestead Fire Insurance Co	
(Reinsured by Home Insurance Co.)
^Occidental Indemnity Co	
(Co.  ceased  business  in   B.C.   and  business
reinsured by Fireman's Fund Indemnity Co.)
fWestminster Fire Office (gross)	
(Reinsured by Alliance Assurance Co., Ltd.)
"Hudson   Bay  Insurance  Co.   (gross  premiums
and losses, respectively)	
Note.—These figures are included in the foregoing return.
-A
3,019.00
262.00
283.87
53,920.981'
3,414.011
36,208.27
21,659.55|
10.68
18,464.99
121,085.75
21,266.83
3,010.79
6,952.67
14,168.44
Nil
1,787.86
Nil
261.72
11,567.94
7,578.13
36,789.14
1,769.32
12,444.47
6,646.89
26.95
14,693.44
16,543.98
Nil
3,647.13
3,437.48
5,481.81
Nil
Nil
6,156.76
7,467.67
3,900.36
329.02
6,800.98
15,395.68
87,629.33
$1,969,252.06
$2,151,994.20
Nil
40,733.29
7,300.90
28,911.69
20,153.56
Nil
29,952.32
85,295.67
8,240.71
2,803.80
5,097.79
9,347.20
Nil
109.60
Nil
8,601.39
4,001.49
5,799.60
16,108.88
1,005.89
11,665.19
2,788.27
Nil
4,860.99|
18,745.86|
Nil
890.04
8,086.67
8,954.34
Nil
Nil
731.15
1,421.80
I
$1,419,068.53|  $709,396.95 $1,412,693.411
823.73
5,641.79
10,906.93
51,525.37
$1,180,523.2!
$1,238,977.52
4,950.98
178.03
169.25
51,987.38
4,238.96
42,131.17
27,043.50
11.94
31,564.83
131,331.15
16,795.22
2,622.45
8,481.28
15,959.45
Nil
1,298.18
Nil
6,775.47
15,302.04
6,586.96
35,495.70
1,560.36
13,554.33
7,719.19
11.20
7,371.70
20,133.12
Nil
4,334.95
7,053.07
15,419.47
Nil
Nil
4,897.46
6,278.30
200.70
7,055.69
16,378.60
85,124.11
$2,012,710.20
$2,147,606.33
$814,385.63
Nil
Nil
38,513.55
8,510.90
23,751.69
13,134.56
Nil
25,900.32
79,895.67
8,001.04
2,743.80
8,085.79
10,236.95
Nil
82.85
Nil
4,136.39
4,356.49
6,296.60
16,781.88
1,070.43
22,165.63
3,123.27
Nil'
5,595.99
18,893.86
Nil
1,735.04
Nil
9,180.11
Nil
Nil
731.15
1,976.80
823.73
5,610.29
11.581.93
38,834.37
$1,186,136.71
$1,285,135^63
$10.65
712.90
6,358.31
105,050.24
$423.10
3,300.75
35,494.79
1,895.39
75,381.69
$6.61
1,405.08
6,153.17
$395.10
3,198.75
29,542.29
TABLE VI.—SUMMARY OF AUTOMOBILE INSURANCE.
Year.
Net Premiums
written.
Net Losses
paid.
Net Premiums
earned.
Net Losses
incurred.
Ratio Losses
incurred to
Premiums
earned.
1927	
$1,320,000
1,501,000
2,137,000
2,152,000
1,909,000
$1,244,000
1,470,000
1,900,000
2,148,000
2,013,000
$770,000
915,000
1,099,000
1,285,000
1,186,000
58 03
1928
62 30
1929.
$1,018,000
1,239,000
1,181,000
57 82
1930	
1931     .
59.82
58 92 REPORT OF THE SUPERINTENDENT
OF INSURANCE, 1931.
G 51
TABLE VII.—CASUALTY INSUR
ACCIDENT AND
iNCE PREM
IUMS AND
NSURANCE
LOSSES IN
1931.
SICKNESS ]
Name of Company.
Accident Insurance.
Sickness Insurance.
Gross
Premiums,
less Return
Premiums.
Gross
Losses
paid.
Gross
Premiums,
less Iteturn
Premiums.
Gross
Losses
paid.
f              $75.00
j        *5,045.37
2,299.24
2,467.63
1,166.88
3,968.42
8,980.85
259.70
107.50
85.83
f         4,036.32
{          *654.20
f            232.84
{             *50.00
152.29
813.09
•646.00
•1,400.05
32,457.31
120.48
f       33,872.30
i           *323.09
6,091.28
62.50
207.54
f        10,552.74
)           *237.15
3,958.27
213.10
6,502.99
255.58
922.58
1,246.80
•37,838.25
41,921.79
4,837.08
306.30
71.90
1,354.42
6,225.01
7,958.55
(         3,572.40
j           *260.00
179.94
f         5,785.15
j        *2,993.77
•5,204.92
•22,499.35
1,608.24
•28,407.18
1,008.20
f         8,170.44
{       *7,585.30
847.50
1,171.96
1,395.25
4,387.51
8,865.25
186.90
•35,198.94
•2.001.80
839.20
3,749.21
775.11
41,728.07
1,012.66
Nil
•$2,310.38
3,919.87
434.07
5.00
3,080.03
10,331.72
112.66
Nil
20.00
30,718.93
•1,912.16
Nil
Nil
Nil
3,773.98
•301.43
•247.40
22,632.78
297.22
21,774.82
•665.58
2.050.12
Nil
105.00
10,305.60
•1,916.62
2,081.4S
90.35
4,247.19
15.00
576.96
79.28
•9,952.42
31,084.64
4,765.08
230.11
Nil
3,370.07
3,323.33
7,414.96
1,356.59
•116.66
Nil
4,424.60
•3,370.42
•3,797.45
•10,782.27
445.58
•12,692.67
212.88
2,031.00
•5,758.00
123.93
113.70
3,479.07
1,108.73
0,174.20
120.00
•20,118.43
•4,243.13
079.51
1,836.79
16.60
31,223.92
402.57
\         Nil
$1,394.49
1,052.83
766.53
2,563.31
4,543.74
64.30
Nil
67.85
}         1,674.96
}         Nil
Nil
329.33
Nil
Nil
33,074.32
Nil
\       19,772.62
2,159.37
83.00
69.14
J       12,289.92
2,488.95
76.00
4,637.01
64.00
508.42
505.65
Nil
26,594.00
1,934.07
112.20
Nil
400.66
4,706.08
3,885.98
{         Nil
Nil
\         2,391.34
Nil
Nil
665.25
Nil
359.83
)
|         1,529.62
Nil
150.11
383.32
1,718.97
2,015.14
Nil
Nil
Nil
313.75
1,085.78
440.88
26,525.85
502.12
Nil
$452.27
540.05
1,183.34
1,733.88
2,212.90
Nil
Nil
92.85
1,742.02
Nil
Nil
45.83
Nil
Nil
14,491.13
Nil
10,361.27
673.50
Nil
Nil
5,584.53
1,923.55
38.09
2,191.35
Nil
387.79
50.71
Nil
20,212.12
1,458.42
Nil
Nil
204.64
2,000.01
2,970.25
Nil
Nil
792.75
Nil
Nil
58.33
Nil
93.83
1,111.00
Nil
104.00
612.61
1,157.20
1,620.95
Nil
Nil
Nil
1,200.81
1,163.86
160.22
20,304.97
323.70
The Casualty Co. of Canada	
Commercial Union Assurance Co., Ltd	
Consolidated Fire and Casualty Insurance Co	
The Dominion of Canada General Insur. Co	
Employers' Liability Assurance Corporation, Ltd....
Fidelity & Casualty Co. of New York. . .    .       . ..
The General Accident Assurance Co. of Canada...
General Accident Fire & Life Assur. Corpn., Ltd
The Guardian Insurance Co. of Canada	
The Guildhall Insurance Co., Ltd	
Home Assurance Co. of Canada	
Imperial Guar. & Accident Insur. Co. of Canada
Imperial Insurance Office  	
Liverpool & London & Globe Insurance Co., Ltd	
London & Lancashire Guar. & Accid. Co. of Canada.
London & Provincial Mar. & Gen. Insur. Co., Ltd.
London & Scottish Assurance Corporation, Ltd.—.
London Guarantee & Accident Co., Ltd	
Loyal Protective Insurance Co	
Maryland Casualty Co	
Metropolitan Life Insurance Co.	
North British & Mercantile Insurance Co., Ltd	
Ocean Accident & Guarantee Corporation, Ltd	
The Provident Life & Accident Insurance Co	
Prudential Assurance Co.,  Ltd :	
Railway Passengers Assurance Co	
Scottish Metropolitan Assurance Co., Ltd	
Carried forward	
$425,479.70
1
$298,913.00
$104,590.75
$99,261.39
* Accident and Sickness.
1 G 52
BRITISH COLUMBIA.
TABLE VII.—CASUALTY INSURANCE PREMIUMS AND LOSSES IN 1931—Continued.
ACCIDENT AND SICKNESS INSURANCE—Continued.
Name of Company.
Accident Insurance.
Gross
Premiums,
less Return
Premiums.
Gross
Losses
paid.
Sickness  Insurance.
Gross
Premiums,
less Return
Premiums.
Gross
Losses
paid.
Brought forward	
Sun Insurance Office, Ltd	
Toronto General Insurance Co	
Travelers Insurance Co	
Union Assurance Society, Ltd	
Union Insurance Society of Canton, Ltd	
United Pacific Casualty Insurance Co	
United States Fidelty & Guarantee Co	
Western  Assurance  Co	
World Marine & General Insurance Co., Ltd	
Yorkshire Insurance Co., Ltd	
Zurich General Accid. & Liability Insur. Co., Ltd
Totals	
$425,479.70
$298,913.00
690.00
113.SC
50.00
Nil
42,512.24
12,133.38
981.55
1.540.21
7,324.57
3,202.98
1.00
Nil
502.69
Nil
1,312.80
808.35
1,569.32
815.46
1,983.55
604.75
•8,884.98
J4.036.53
2,230.67
955.19
$493,523.13
$323,123.71
$164,590.75|       $99,261.39
308.431
Nil
69,087.01|
412.18|
8,182.71
Nil
312.80
393.00
321.24
Nil
2,825.92|
'$246,434.04 f
155.25
Nil
54,595.37
184.15
4,313.30
Nil
Nil
120.81
1,156.67
Nil
986.08
"$158,778.52
• Accident and Sickness.
BOILER AND MACHINERY AND EXPLOSION INSURANCE.
Name of Company.
Boiler and Machinery
Insurance.
Premiums.
Losses.
Explosion Insurance.
Premiums.
Losses.
Boiler Inspection & Insurance Co. of Canada....
Canada Accident & Fire Assurance Co	
Connecticut Fire Insurance Co	
Continental  Insurance Co	
Dominion of Canada General Insurance Co	
Equitable Fire & Marine Insurance Co	
Fidelity & Casualty Co	
Fidelity-Phenix Fire Insurance Co	
General Accident Assurance Co. of Canada	
Great American Insurance Co	
Guardian Insurance Co. of Canada	
Liverpool & London & Globe Insurance Co., Ltd.
Maryland Casualty Co	
Niagara Fire Insurance Co	
Ocean Accident & Guarantee Corporation, Ltd..
Phoenix Insurance Co. of Hartford	
Springfield Fire & Marine Insurance Co	
Travelers Indemnity Co	
United States Fire Insurance Co	
World Marine & General Insurance Co., Ltd	
Totals	
I
$682.86
46.00|
Nil
Nil
2,448.941
Nil
18.18|
Nil I
17,558.77|
Nil
24.48J
Nil
94.70
Nil
1,711.52
Nil
Nil
1,944.62
Nil
2,448.501
$743.27
9.24
Nil
Nil
Nil
Nil
Nil
Nil
1,285.78
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
$20,978.57|
$2,038.29
Nil
Nil
$1,397.82
1,922.01
Nil
14.45
Nil
1,211.44
Nil
10.00
Nil
2.60
Nil
582.65|
Nil
253.85|
1,944.27|
Nil
4.142.72J
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
$11,481.81|
Nil REPORT OF THE SUPERINTENDENT OF INSURANCE, 1931.
G 53
TABLE VII.—CASUALTY INSURANCE PREMIUMS AND LOSSES IN 1931—Continued.
BURGLARY AND FORGERY INSURANCE.
Name of Company.
Burglary Insurance.
Premiums.
Losses.
Forgery Insurance.
Premiums.
Losses.
Alliance Assurance Co., Ltd	
British America Assurance Co	
British Canadian Insurance Co	
British Empire Assurance Co	
Canada Accident & Fire Assurance Co	
Canada Security Assurance Co	
Canadian Fire Insurance Co	
Canadian General Insurance Co	
Canadian Indemnity Co	
Canadian Surety Co	
Casualty Co. of Canada	
Century Indemnity Co '.	
Century Insurance Co., Ltd	
Commercial Union Assurance Co., Ltd	
Continental Casualty Co	
Dominion of Canada General Insurance Co	
Employers' Liability Assurance Corporation, Ltd...
Fidelity Insurance Co. of Canada	
General Accident Assurance Co. of Canada	
General Accid. Fire & Life Assurance Corpn., Ltd...
General Casualty Co. of America	
General Casualty Assurance Co. of Paris	
General Indemnity Corporation of America	
Globe Indemnity Co. of Canada	
Guardian Insurance Co. of Canada	
Hartford Accident & Indemnity Co	
Hudson Bay Insurance Co	
Imperial Guarantee & Accid. Insur Co. of Canada...
Imperial Insurance Office	
Indemnity Co. of North America	
Law, Union & Rock Insurance Co., Ltd	
Liverpool & London & Globe Insurance Co	
London & Lancashire Guar. & Ace. Co. of Canada....
London & Provincial Mar. & Gen. Ins. Co., Ltd	
London & Scottish Assurance Corporation, Ltd	
London Guarantee & Accident Co., Ltd	
Maryland Casualty Co	
Metropolitan  Casualty Insurance Co	
National  Surety Co	
National Union Indemnity Co	
New York Indemnity Co	
North British & Mercantile Insurance Co., Ltd	
Northern Assurance Co., Ltd	
Northwest Casualty Co	
Norwich Union Fire Insurance Society, Ltd	
Occidental Fire Insurance Co	
Ocean Accident & Guarantee Corporation, Ltd	
Portage la Prairie Mutual Fire Insurance Co	
Prudential Assurance Co., Ltd	
Railway Passengers Assurance Co	
Reliance Insurance Co. of Canada	
Royal Exchange Assurance	
Royal Insurance Co., Ltd	
Toronto General  Insurance Co	
Travelers Indemnity Co	
Union Assurance Society, Ltd	
Union Indemnity Co ,	
Union Insurance Society of Canton, Ltd	
United Pacific Casualty Insurance Co	
United States Fidelity & Guaranty Co	
Western  Assurance  Co	
World Marine & General Insurance Co., Ltd	
Yorkshire Insurance Co., Ltd	
Zurich General Accid. & Liability Insur. Co., Ltd....
Totals	
$2,143.20
969.75
214.50
773.73
1,226.36
468.78
385.24
22,162.71
11,987.40
3,509.94
881.01
758.17
251.97
52.82
361.49
3,104.64
5,674.13
4,022.52
7,501.29
911.20
019.72
206.65
Nil
462.78
1,278.57
2,784.95
12,629.78
308.60
25.00
25.21
592.69
2,176.33
4,593.48
432.96
250.00
1,373.06
3,412.40
967.83
725.23
Nil
304.24
2,691.26
2,854.84
402.08
1,249.58
35.00
2,769.08
943.11
659.29
1,903.07
137.00J
341.45|
12,825.65|
6,261.00|
7,949.741
589.20|
311.43|
2,651.29|
43.73J
3,651.95|
1,953.03|
2,341.73
3,003.91
1,135.98
$1,483.38
243.95
Nil
793.95
1,551.29
179.06
Nil
5,836.66
6,289.53
4,385.20
1,993.80
2,400.50
4.85
37.71
446.65
1,942.48
2,381.98
2,959.56
6,958.35
595.64
251.64
420.05
Nil
517.33
1,813.39
284.15
8,478.78
530.11
Nil
14.60
97.30
2,172.39
5,821.31
687.40
59.00
780.10
1,301.12
513.13
12.50
68.00
10.50
394.97
2,411.54
80.65
1,080.47
Nil
2,046.68
329.18
335.32
369.87
Nil
15.00
8,524.43
343.19
2,562.85
128.40
Nil
84.40
Nil
3,248.63
679.93
1,376.12
3,396.83
283.01
$157,354.73!       $92,068.93
I
Nil
Nil
Nil
Nil
Nil
Nil
Nil
$60.50
161.17
289.08
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
105.10
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
10.00
1,033.89
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
20.00
Nil
Nil
Nil
Nil
Nil
Nil
318.28
Nil
Nil
Nil
Nil
$2,058.08
Nil
Nil
Nil
Nil
Nil
Nil
Nil
$3.75
Nil
35.00
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
117.50
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
39.34
Nil
Nil
Nil
Nil
$195.65 G 54
BRITISH COLUMBIA.
TABLE VII.—CASUALTY INSURANCE PREMIUMS AND LOSSES IN 1931—Continued.
EARTHQUAKE AND PLATE GLASS INSURANCE.
Name of Company.
Earthquake Insurance.
Premiums.
Losses.
Plate Glass Insurance.
Premiums.
Losses.
British America Assurance Co	
British Canadian Insurance Co	
British Columbia Plate Glass Insurance Co	
British Empire Assurance Co	
Canada Accident & Fire Assurance Co	
Canada Security Assurance Co	
Canadian Fire Insurance Co	
Canadian General Insurance Co	
Canadian  Indemnity  Co	
Canadian   Surety   Co	
Casualty Co. of Canada	
Century Indemnity Co	
Century Insurance Co., Ltd	
Commercial Union Assurance Co., Ltd	
Connecticut Fire Insurance Co	
Consolidated Fire and Casualty Insurance Co	
Continental Casualty Co	
Continental Insurance Co	
Dominion Fire Insurance Co	
Dominion of Canada General Insurance Co	
Eagle Star & British Dominions Insur. Co., Ltd	
Employers' Liability Assurance Corporation, Ltd...
Fidelity Insurance Co. of Canada	
General Accident Assurance Co. of Canada	
General Accident Fire & Life Assur. Corpn., Ltd	
General Casualty Co. of America	
General Casualty Insurance Co. of Paris	
Globe Indemnity Co. of Canada	
Great American Indemnity Co	
Guardian Insurance Co. of Canada	
Guildhall Insurance Co., Ltd	
Hartford Accident & Indemnity Co	
Home Insurance Co	
Hudson Bay Insurance Co	
Imperial Guarantee & Accid. Insur. Co. of Canada..
Imperial Insurance Office	
Law, Union & Rock Insurance Co., Ltd	
Liverpool & London & Globe Insurance Co., Ltd	
London & Lancashire Guar. & Accid. Co. of Canada.
London & Provincial Mar. & Gen. Ins. Co., Ltd	
London & Scottish Assurance Corporation, Ltd....
London Guarantee & Accident Co., Ltd	
Lumbermen's Mutual Casualty Co	
Maryland Casualty Co	
Metropolitan Casualty Insurance Co	
Motor Union Assurance Co., Ltd	
Mount Royal Assurance Co	
National Provincial Insurance Co., Ltd	
National  Surety Co	
National Union Indemnity Co	
New York Indemnity Co	
North British & Mercantile Insur. Co., Ltd	
Northern Assurance Co., Ltd	
Norwich Union Fire Insurance Society, Ltd	
Occidental Fire Insurance Co	
Ocean Accident & Guarantee Corporation, Ltd	
Phoenix Assurance Co., Ltd	
Portage la Prairie Mutual Fire Insurance Co	
Prudential Assurance Co., Ltd	
Railway Passengers Assurance Co	
Royal Insurance Co., Ltd	
Scottish Metropolitan Assurance Co., Ltd	
Sun Insurance Office, Ltd	
Toronto  General  Insurance Co	
Trans Canada Insurance Co	
Travelers Fire Insurance Co	
Travelers Indemnity  Co	
Union Assurance Society, Ltd	
Union Indemnity Co	
Carried forward	
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
$825.00
Nil
Nil
596.551
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
1,860.00]
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
58.45
Nil
Nil
Nil
829.54
Nil
1,125.00
Nil
Nil
1,512.50
Nil
Nil
Nil
I
$6,807.04
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
~NiV
$487.71
89.68
20,224.39
322.15
1,009.76
144.60
917.05
1,012.36
2,364.17
442.48
194.64
155.82
206.41
34.61
Nil
706.08
1.131.36
Nil
209.58
3,202.74
531.65
462.87
256.70
1,289.88
156.22
559.94
184.00|
64.14|
231.05|
172.23|
62.93|
987.92J
Nil
586.54
63.59
21.63
520.57
768.28
1,420.24
54.38
229.17
296.30
28.21
501.17
187.75
126.62|
2,201.22|
532.78
11.70
73.45
45.35
506.95
577.27
1,112.72
25.10
1,942.65
Nil
83.83
418.31|
1,682.40 j
706.46|
87.43|
96.84 j
49.47|
7.291
Nil I
445.05|
132.87|
45.13 j
$132.55
73.60
9,056.67
63.16
334.20
18.68
Nil
211.25
S81.33
402.27
287.29
21.50
28.23
3.00
Nil
437.96
599.70
Nil
94.00
899.27
92.34
306.18
162.16
489.43
76.00
204.63
81.10
Nil
203.15
Nil
47.70
544.18
Nil
324.61
134.75
Nil
28.50
386.76
608.14
100.15
58.99
141.90
Nil
321.90
Nil
Nil
974.66
131.46
Nil
Nil
Nil
224.40
121.70
314.25
Nil
1,007.57
Nil
Nil
470.02
541.98
324.61
35.50
239.89
167.41
Nil
Nil
140.39
93.29
23.00
$53,403.841       $22,667.96
I REPORT OF THE SUPERINTENDENT OF INSURANCE, 1931.
G 55
TABLE VII.—CASUALTY INSURANCE PREMIUMS AND LOSSES IN 1931—Continued.
EARTHQUAKE AND PLATE GLASSINSURANCE-
-Continued.
Earthquake Insurance.
Plate Glass Insurance.
Premiums.           Losses.
Premiums.            Losses.
■  Brought forward	
$6,807.04
Nil
Nil
Nil
Nil
Nil
$53,403.84
66.54
522.31
$22,667.96
37.85
192.15
412.501           Nil
Nil                      Nil
Western Assurance Co	
World Marine & General Insurance Co., Ltd	
Yorkshire Insurance Co., Ltd	
Zurich General Accid. & Liability Assur. Co., Ltd....
Nil
Nil
188.19
Nil
Nil
Nil
Nil
Nil
1,223.92|               349.97
48.45|           Nil
400.37|               181.95
83.17|                 92.13
Totals	
$7,407.73
Nil
$55,748.00]       $23,552.01
GUARANTEE, BOND, AND CREDIT INSURANCE.
Name of Company.
Guarantee Insurance.
Premiums.
Bond Insurance.
Losses.
Alliance Assurance Co., Ltd	
American Credit Indemnity Co. of N.Y. (Credit)	
British American Assurance Co	
British Canadian Insurance Co	
The Canada Accident & Fire Assurance Co	
Canada Security Assurance Co	
Canadian Fire Insurance Co	
Canadian General Insurance Co	
Canadian Indemnity Co	
The Canadian  Surety Co	
The Casualty Co. of Canada	
Century  Indemnity  Co	
Century Insurance Co., Ltd	
Consolidated Fire & Casualty Insurance Co	
The Dominion of Canada General Insurance Co....
Employers' Liability Assurance Corporation, Ltd...
Fidelity Insurance Co. of Canada	
The General Accident Assurance Co. of Canada....
General Casualty Insurance Co. of Paris	
The Globe Indemnity Co. of Canada	
The Guarantee Co. of North America	
The Guardian Insurance Co. of Canada	
Hartford Accident & Indemnity Co	
Hudson Bay Insurance Co	
Imperial Guarantee & Accident Insurance Co	
The Imperial Insurance Office	
Law, Union & Rock Insurance Co., Ltd	
Liverpool & London & Globe Insurance Co., Ltd	
London & Lancashire Guar. & Accid. Co. of Canada.
London & Provincial Mar. & Gen. Ins. Co., Ltd	
London Guarantee & Accident Co., Ltd	
Maryland Casualty Co	
Metropolitan Casualty Insurance Co. of New York.
National Surety Co	
New York Indemnity Co	
North British & Mercantile Insurance Co., Ltd	
Northern Assurance Co., Ltd	
Norwich Union Fire Insurance Society, Ltd	
The Ocean Accident & Guarantee Corporation, Ltd.
Railway Passengers Assurance Co	
Royal Exchange Assurance	
Royal Insurance Co., Ltd	
Scottish Metropolitan Assurance Co., Ltd	
Sun Insurance Office, Ltd	
Toronto General Insurance Co	
Union Indemnity Co	
United Pacific Casualty Insurance Co	
United States Fidelity & Guarantee Co	
Western Assurance Co	
The World Marine & General Insurance Co., Ltd.
The Yorkshire Insurance Co., Ltd	
Totals	
$278.75
Nil
626.16
291.43
827.67
12.50
1,682.21
16,716.35
20.144.49
26,781.73
197.15
22.50
276.09
8.28
3,708.75
3,250.60
5,344.29
4,057.23
141.55
792.82|
6,297.92
1,345.20
216.43
20,239.07
1,789.21
276.00
840.74
956.03
4,748.85
5.00
2,342.61
529.31
5.00
39,624.86
1,435.32
590.57
1,399.39
1,153.06
684.78
425.00
155.00
10,319.12|
5.00
Nil
3,040.52
1,369.94
25.00
11,179.52
1,193.874
419.94|
1,700.041
Nil
Nil
Nil
Nil
$224.31
Nil
Nil
Nil
1,053.61
19,377.45
Nil
Nil
Nil
Nil
Nil
50.55
5,007.23
5,260.00
Nil
6.25
25.00
Nil
Nil
798.22
Nil
Nil
Nil
93.12
57.50
Nil
15.00
103.00
Nil
1,038.83
Nil
Nil
1,025.00
6.25
Nil
Nil
Nil
798.22
Nil
Nil
53.22
Nil
Nil
4,068.34
156.54
Nil
Nil
Nil
$3,289.01
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
184.48
Nil
Nil
Nil
Nil
Nil
858.49
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
388.94
Nil
Nil
299.17
Nil
206.32
Nil
Nil
Nil
Nil
Nil
Nil
$1,266.56
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
20.43
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
$199,472.85]       $39,217.64
$5,226.41
$1,286.99 G 56
BRITISH COLUMBIA.
TABLE VII.—CASUALTY INSURANCE PREMIUMS AND LOSSES IN 1931—Continued.
INLAND TRANSPORTATION AND MARINE INSURANCE.
Name of Company.
Inland Transportation
Insurance.
Marine Insurance.
Premiums.
Losses.
Premiums.
Losses.
$7,630.08
$2,371.09
$73.40
Nil
1,464.88
1,127.75
2,008.68
Nil
1,397.77
447.59
19,260.83
$14,230.58
66.63
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
1,269.76
1.71
Nil
Nil
98.32
141.48
Nil
Nil
394.14
Nil
2,878.59
290.26
23,868.02
13,969.62
Nil
Nil
10,408.61
1,020.28
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
265.53
Nil
Nil
Nil
mi
Nil
18,669.23
28,908.81
424.69
Nil
Nil
Nil
.96
Nil
Nil
Nil
Nil
Nil
3,890.00
1,030.80
Nil
Nil
Nil
Nil
237.01
Nil
1,264.16
1,859.66
3,715.70
8,042.17
Nil
Nil
Nil
Nil
4,884.12
916.01
12.47
Nil
Nil
Nil
013.17
38.50
Nil
Nil
mi
Nil
Nil
Nil
224.98
5.00
Nil
Nil
3,641.90
2,648.56
Nil
Nil
595.28
255.38
20,898.38
15,422.09
6,064.00
8,837.49
79,566.47
66,216.43
mi
Nil
Nil
Nil
108.49
108.91
Nil
Nil
1,424.54
26.44
Nil
Nil
1,803.67
6,273.62
Nil
Nil
89.82
Nil
Nil
Nil
1,637.12
Nil
Nil
Nil
62.55
4,778.81
Nil
Nil
917.00
141.75
57,327.12
61,031.26
434.30
Nil
mi
377.79
1,712.16
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
6,051.35
2,686.86
40,399.45
31,893.06
52,920.36
2,562.58
Nil
Nil
Nil
Nil
20,203.37
6,154.10
57,369.51
20,735.39
Nil
Nil
Nil
Nil
Nil
Nil
7,991.80
11.46
Nil
Nil
2,188.39
330.20
Nil
Nil
984.62
893.77
Nil
Nil
20,527.09
17,233.09
8.00
Nil
Nil
Nil
767.99
Nil
8,172.85
247.97
Nil
Nil
10,997.01
3.452.26
208.90
Nil
Nil
Nil
mi
Nil
Nil
Nil
123.50
Nil
Nil
Nil
Nil
Nil
Nil
Nil
6,677.22
5,789.00
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
724.22
Nil
Nil
Nil
622.30
109.10
28,394.50
22,358.58
37.50
mi
1.810.99
409.65
213.75
309.55
Nil
Nil
309.14
Nil
7.916.19
7,747.13
Nil
Nil
1.428.37
15,096.94
Nil
Nil
Nil
Nil
Nil
Nil
21,961.98
7.074.10
$107,718.63
$79,648.19
$472,602.25
$306,573.10
Aetna Insurance Co	
Alliance Assurance Co., Ltd	
Alliance Insurance Co. of Philadelphia	
American  Alliance  Insurance  Co	
American Home Fire Assurance Co	
Atlas Assurance Co., Ltd	
Automobile Insurance Co. of Hartford	
Bankers' & Traders' Insurance Co., Ltd	
British America Assurance Co	
British & Foreign Marine Insurance Co., Ltd	
British Canadian Insurance Co	
British Empire Assurance Co	
British Oak Insurance Co., Ltd	
British Traders Insurance Co., Ltd	
Canada Security Assurance Co	
Canadian  Indemnity  Co	
Century Insurance Co., Ltd	
China Fire Insurance Co., Ltd	
Commercial Union Assurance Co., Ltd..	
Continental Insurance Co	
Cornhill Insurance Co., Ltd	
County Fire Insurance Co	
Dominion of Canada General Insurance Co	
Eagle Star & British Dominions Insur. Co., Ltd	
Equitable Fire & Marine Insurance Co	
Fidelity-Phenix Fire Insurance Co	
Fire Association of Philadelphia	
Fireman's Fund Insurance Co	
Firemen's Insurance Co. of Newark	
Mrst American Fire Insurance Co	
First National Insurance Co. of America	
Franklin Fire Insurance Co. of Philadelphia	
General Accident Fire & Life Assur. Corpn., Ltd
General Insurance Co. of America	
Glens Falls Insurance Co	
Globe & Rutgers Fire Insurance Co	
Great American Insurance Co	
Hartford Fire Insurance Co	
Home Assurance Co. of Canada	
Home Fire and Marine Insurance Co	
Home Insurance Co	
Imperial Guarantee & Accid. Insur. Co. of Canada,
Insurance Co. of North America	
Insurance Co. of the State of Pennsylvania	
Liverpool & London & Globe Insurance Co., Ltd..
London & Lancashire Insurance Co., Ltd	
London & Provincial Mar. & Gen. Ins. Co., Ltd...
London Assurance Corporation	
London Guarantee & Accident Co., Ltd	
Marine Insurance Co., Ltd	
Maritime Insurance Co., Ltd	
Maryland Insurance Co .'..'.	
Motor Union Insurance Co., Ltd	
Mount Royal Assurance Co	
National Fire Insurance Co. of Hartford	
National Union Fire Insurance Co	
Newark Fire Insurance Co	
New Jersey Insurance Co	
New York Underwriters Insurance Co	
Niagara Fire Insurance Co	
North British & Mercantile Insurance Co., Ltd	
Northern Assurance Co..  Ltd	
Northwestern Mutual Fire Association	
Norwich Union Fire Insurance Society, Ltd	
Ocean Marine Insurance Co.. Ltd .*	
Philadelphia Fire & Marine Insurance Co	
Phoenix Assurance Co., Ltd	
Carried forward	 REPORT OF THE  SUPERINTENDENT OF INSURANCE. 19S1.
G 57
TABLE VII.—CASUALTY INSURANCE PREMIUMS AND LOSSES IN 1^1—Continued.
INLAND TRANSPORTATION AND MARINE INSURANCE—Continued.
Name of Company.
Inland Transportation
Insurance.
Premiums.
Losses.
Marine Insurance.
Premiums.
Losses.
Brought forward	
Phoenix Insurance Co. of Hartford	
Planet Assurance Co., Ltd	
Providence Washington Insurance Co	
Prudential Assurance Co., Ltd	
Queen Insurance Co. of America	
Queensland Insurance Co., Ltd	
Railway Passengers Assurance Co	
Reliance Marine Insurance Co., Ltd	
Royal Exchange Assurance	
Royal Insurance Co., Ltd	
St. Paul Fire & Marine Insurance Co	
Scottish Metropolitan Assurance Co., Ltd	
Sea Insurance Co., Ltd	
Security Insurance Co. of New Haven	
Standard Marine Insurance Co., Ltd	
Stuyvesant Insurance Co	
Sun Insurance Office, Ltd	
Thames & Mersey Marine Insurance Co., Ltd...
Tokio Marine & Fire Insurance Co., Ltd	
Toronto General Insurance Co	
Travelers Fire Insurance Co	
Union Insurance Society of Canton, Ltd	
Union Marine Insurance Co., Ltd	
United Firemen's Insurance Co	
United States Fire Insurance Co	
United States Merchants & Shippers Insur. Co
Universal Insurance Co	
Westchester Fire Insurance Co	
Western Assurance  Co	
World Fire & Marine Insurance Co	
World Marine & General Insurance Co., Ltd.—.
Yang-tsze Insurance Association, Ltd	
Yorkshire Insurance Co., Ltd	
Totals	
$107,71S.63
739.49
Nil
104.24
559.80
.78
mi
106.10
Nil.
405.09
mi
8,105.59
Nil
Nil
Nil
2,983.37
Nil
2.00
mi
573.85
Nil
297.61
1,415.89
Nil
Nil
545.00
577.29
431.59
56.10
2,471.07
22.50
Nil
Nil
Nil
$79,648.19
9.00
Nil
Nil
152.25
Nil
Nil
21.50
Nil
Nil
Nil
3,467.99
265.71
Nil
Nil
13,969.75
Nil
Nil
Nil
207.51
Nil
Nil
188.60
Nil
Nil
851.54
77.90
Nil
Nil
352.18
sit
Nil
Nil
Nil
$127,115.!
$99,212.12
$472,002.25
Nil
4,615.62
219.05
Nil
26,968.80
Nil
Nil
2,226.85
2,974.20
401.91
10,226.71
Nil
15,737.50 j
Nil
63,003.37|
Nil |
19,530.52)
19,833.86!
16,020.42]
Nil
Nil
53,441.73|
37,603.10|
Nil
10,328.45|
35,966.78]
Nil
320.04!
28,573.25
Nil
9,032.31
17,719.58
Nil
$848,012.36
$306,573.10
Nil
99.73
Nil
Nil
32,995.92
482.37
Nil
211.55
Nil
59.02
9,248.99
2,735.90
Nil
17,083.90
Nil
199.46
14,392.33
8,604.74
Nil
Nil
15,267.04
21,780.07
Nil
8,330.10
35,548.59
Nil
Nil
44,491.25
Nil
11,415.91
24,256.55
Nil
$553,783.12
PUBLIC  LIABILITY AND PROPERTY DAMAGE INSURANCE.
Name of Company.
Public Liability
Insurance.
Premiums.
Property Damage
Insurance.
Premiums.
Losses.
Aetna Insurance Co	
Alliance Assurance Co., Ltd	
British America Assurance Co	
British Canadian Insurance Co	
British Empire Assurance Co	
Canada Accident & Fire Assurance Co	
Canada Security Assurance Co	
Canadian General Insurance Co	
Canadian Indemnity Co	
Canadian   Surety   Co	
Car & General Insurance Corporation, Ltd	
Casualty Co. of Canada	
Consolidated Fire and Casualty Insurance Co	
Continental  Casualty  Co..	
Dominion of Canada General Insurance Co	
Employers' Liability Assurance Corporation, Ltd.
Fidelity & Casualty Co. of New York	
Fidelity Insurance Co. of Canada ...
Carried forward	
Nil
$717.93
S32.01
1,118.02
76.41
3,473.55
52.70
13,361.04
12,797.74
4,454.061
78.35 j
1,025.72|
404.95]
255.55J
4,196.71|
11,153.96
16.56
906.27
Nil
Nil
Nil
$1,238.85
Nil
1,418.51
Nil
3,111.44
5,486.95
385.97
Nil
155.75
70.00
137.10
406.92
800.80
Nil
1,228.42
$178.58
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil  '.   ..
Nil
Nil
$54,921.521  $14,440.71
$178,581 G 58
BRITISH COLUMBIA.
TABLE VII.—CASUALTY INSURANCE PREMIUMS AND LOSSES IN 1931—Continued.
PUBLIC LIABILITY AND PROPERTY DAMAGE INSURANCE—Continued.
Name of Company.
Public Liability
Insurance.
Premiums
Losses.
Property Damage
Insurance.
Premiums.
Losses.
Brought forward	
General Accident Assurance Co. of Canada	
General Accident Fire & Life Assur. Corpn., Ltd	
General Casualty Co. of America	
General Casualty Insurance Co. of Paris	
Globe Indemnity Co. of Canada	
Guardian Insurance Co. of Canada	
Guildhall Insurance Co., Ltd	
Hartford Accident & Indemnity Co	
Hartford Fire Insurance Co	
Hudson Bay Insurance Co	
Imperial Guarantee & Accid. Insur. Co. of Canada..
Indemnity Insurance Co. of North America	
Law, Union & Rock Insurance Co., Ltd	
Liverpool & London & Globe Insurance Co., Ltd	
London & Lancashire Guar. & Accid. Co. of Canada.
London & Scottish Assurance Corporation, Ltd	
London Guarantee & Accident Co., Ltd	
Lumbermen's Mutual Casualty Co	
Maryland Casualty Co	
National Union Indemnity Co	
New York Indemnity Co	
North British & Mercantile Insurance Co., Ltd	
Northern Assurance Co., Ltd	
Norwich Union Fire Insurance Society, Ltd	
Occidental Fire Insurance Co	
Ocean Accident & Guarantee Corporation, Ltd	
Phoenix Insurance Co. of Hartford	
Prudential Assurance Co., Ltd	
Railway Passengers Assurance Co	
Royal Exchange Assurance	
Royal Insurance Co., Ltd	
Scottish Metropolitan Assurance Co., Ltd	
Toronto General Insurance Co	
Travelers Indemnity Co	
Travelers Insurance Co	
Union Assurance Society, Ltd	
Union Indemnity Co	
Union Insurance Society of Canton, Ltd	
United Pacific Casualty Insurance Co	
United States Fidelity & Guaranty Co	
Western Assurance Co	
World Fire & Marine Insurance Co :	
World Marine & General Insurance Co., Ltd	
Yorkshire Insurance Co., Ltd	
Zurich General Accid. & Liability Insur. Co., Ltd....
Totals	
I
$54,921.52
18,035.01
610.21
2,183.95
203.20
1,337.93
786.21
622.86
6,245.07
Nil
5,837.51
228.75
16.20
880.65
2,156.45
3,139.72
294.74
3,047.75
25.00
1,217.65]
48.58
15.00
990.80
1,755.85
3,611.93
18.90
2,013.85
Nil
1,040.22
3,089.53
3,061.04
6,523.17
51.54
1,734.17
3.24
2,030.35
163.27]
262.86
6,017.33
3.30
1,215.14
l,756.64j
Nil
646.40|
1,642.36|
2,812.41|
$14,440.71
10,847.12
Nil
8.00
Nil
355.60
125.00
295.00
1.542.03
Nil
966.70
Nil
Nil
62.27
427.50
436.60
Nil
3,542.66
Nil
3.18
Nil
Nil
322.20
181.40
1,279.33
Nil
208.39
Nil
267.25
1,701.15
12.50
1,073.57
35.00
682.14
Nil
Nil
128,019.22
31.50
525.66
Nil
970.10
1,225.30
Nil
22.50
516.03
259.40
$178.58
f
Nil
$142,898.27|  $170,699.83
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
2.00
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
12.80
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
211.50
Nil
Nil
Nil
Nil
Nil
Nil
Nil
$404.88
Nil
TORNADO AND WEATHER INSURANCE.
Tornado Insurance.
Weather Insurance.
Name of Company.
Premiums.
Losses.
Premiums.
Losses.
Nil
Nil
Nil
$1.20
55.18
Nil
Nil
Nil
Nil
Nil
$24.00
228.13
84.25
Nil
Nil
Nil
$12.95
Nil
Nil
Nil
Nil
United States Fire Insurance Co	
48.00]           Nil
Nil
Totals   	
S104.38I           Nil
$336.38
$12.95 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1931.
G 59
TABLE VII.—CASUALTY INSURANCE PREMIUMS AND LOSSES IN 1931—Continued.
MISCELLANEOUS INSURANCE.
A.R., AH Risk;   Av., Aviation;   B.R., Blanket Residence;   F., Fraud;   S.L., Sprinkler Leakage.
Name of Company.
Premiums.
Losses.
Canadian General Insurance Co	
Fidelity & Casualty Co. of New York	
Indemnity Insurance Co. of North America
Marine Insurance Co., Ltd	
Maryland Casualty Co	
National Surety Co	
Toronto General Insurance Co	
Union Assurance Society, Ltd	
Yorkshire Insurance Co., Ltd	
Totals	
B.R.
Av.
L.S.
Av.
S.L.
F.
B.R.
A.R.
L.S.
(.00
.63
223.!
.,490.79
713.28
7.47
37.00
188.19
$2,669.24
Nil
Nil
$500.00
4,505.49
634.15
205.23
Nil
Nil
$5,844.87
TABLE VIII.—SUMMARY FOR CLASSES OF INSURANCE OTHER THAN LIFE,
FIRE, AND AUTOMOBILE.
1927.
1928.
1929.
1930.
1931.
$429,000
218,000
183,000
117,000
106,000
26,000
762,000
515,000
285,000
181,000
$456,000
227,000
188,000
100,000
100,000
34,000
898,000
549,000
377,000
83,000
$531,000
263,000
227,000
152,000
136,000
43,000
1,158,000
723,000
610,000
93,000
$522,000
289,000
249,000
158,000
184,000
57,000
1,106,000
724,000
607,000
251,000
$494,000
323,000
246,000
159,000
143,000
L	
L	
Liability, P	
„    L	
171,000
848,000
„  L	
554,000
556,000
L	
263,000
TABLE IX.—INVESTMENTS IN BRITISH COLUMBIA OF COMPANIES OTHER THAN
LIFE INSURANCE COMPANIES.
(For British Columbia Investments of Life Insurance Companies, see Abstract of Returns of
Life Insurance Companies, page 42.)
Name of Company.
Mortgages.
In other
Securities.
Aetna Casualty & Surety Co. :	
American Automobile Fire Insurance Co	
American Central Insurance Co	
American Credit Indemnity Co	
The Anglo-Scottish Insurance Co., Ltd	
Beaver Fire Insurance Co	
Boiler Inspection & Insurance Co	
British America Assurance Co	
British Colonial Fire Insurance Co	
British Columbia Plate Glass Insurance Co
British Crown Assurance Corporation, Ltd.
British Empire Assurance Co	
British Northwestern Fire Insurance Co	
Caledonian Insurance Co	
Canada Accident & Fire Assurance Co	
Canada National Fire Insurance Co	
Canadian Fire Insuranc Co	
Canadian General Insurance Co	
Canadian Indemnity Co	
Canadian Surety Co	
Casualty Co. of Canada	
Central Union Insurance Co	
Century Insurance Co., Ltd	
Carried forward	
Nil
Nil
Nil
Nil
Nil
$3,943.85
Nil
Nil
Nil
Nil
Nil
Nil
Nil
221,195.00
Nil
54,564.89
Nil
Nil
Nil
Nil
Nil
Nil
Nil
$50,000.00f
50.000.00
81,740.20*
75,000.00
51,280.00f
Nil
19.000.00
32,000.OOf
15,009.40
5,960.00f
44,466.67t
20,600.00
22,500.00
93,564.09
68,800.00
28,409.55$
44,067.00f
52.748.58f
137,660.00f
31,000.00t
42,733.33f
10,846.05$
35,000.00
91,700.00t
$279,703.74
$1,104,084.87 G 60
BRITISH COLUMBIA.
TABLE IX.—INVESTMENTS IN BRITISH COLUMBIA OF COMPANIES OTHER THAN
LIFE INSURANCE COMPANIES—Continued.
Name of Company.
Mortgages.
In other
Securities.
Brought forward	
Commercial Union Assurance Co., Ltd	
Connecticut Fire Insurance Co	
Continental Casualty Co	
Dominion Fire Insurance Co	
Dominion of Canada General Insurance Co	
Ensign Insurance Co	
Fire Association of Philadelphia	
Fire Insurance Co. of Canada	
First National Insurance Co. of America	
General Accident Assurance Co. of Canada	
General Accident Fire & Life Assurance Corporation, Ltd
General Insurance Co. of America	
Glens Falls Insurance Co	
Globe Indemnity Co.  of Canada	
Guarantee Co. of North America	
Guardian Insurance Co. of Canada	
Halifax Fire Insurance Co	
Hartford Accident & Indemnity Co	
Hartford Fire Insurance Co	
Home Assurance Co. of Canada	
Home Fire & Marine Insurance Co	
Hudson Bay Insurance Co	
Imperial Guarantee & Accident Insurance Co	
Imperial  Insurance Office	
Insurance Co. of State of Pennsylvania	
Law, Union & Rock Insurance Co., Ltd	
Legal & General Assurance Society, Ltd :	
London & Lancashire Insurance Co., Ltd	
London-Canada Insurance Co	
Loyal Protective Insurance Co	
Lumber Mutual Fire Insurance Co	
Mercantile Fire Insurance Co	
Merchants Casualty Insurance Co	
Mercury  Insurance Co	
Minnesota Implement Mutual Fire Insurance Co	
National Ben Franklin Fire Insurance Co	
New Jersey Insurance Co	
North British & Mercantile Insurance Co., Ltd	
North Empire Fire Insurance Co	
North River Insurance Co	
Northwestern National Insurance Co	
Norwich Union Fire Insurance Society, Ltd	
Occidental Fire Insurance Co	
Ohio Farmers Insurance Co	
Pacific Coast Fire Insurance Co	
Phoenix Assurance Co., Ltd	
Phoenix Insurance Co	
Protective Association  of Canada	
Provident Assurance Co	
Quebec Fire Assurance Co	
Retail Hardware Mutual Fire Insurance Co	
Royal Insurance Co., Ltd	
Toronto General Insurance Co	
Union Marine & General Insurance Co	
Universal Insurance Co :	
Western Assurance Co	
Yorkshire Insurance Co., Ltd	
Totals	
$279,703.74 $1,104,084.87
1,000.00
Nil
Nil
7,654.04
100,584.59$
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
7,500.00
Nil
13,383.33
-   Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
145,000.00
Nil
Nil
Nil
Nil
Nil
Nil
216,669.36
Nil
Nil
Nil
Nil
Nil    .
Nil
19,916.00$
Nil
Nil
Nil
Nil
330.119.85
$1,121,530.91
Nil
25,000.00f
15,000.00t
40,000.00t
116,094.81$
10,000.00
4,769.34*
40,082.50
5,000.00
22,421.16
22,645.07
12,000.00
157,830.00
5,000.00
99,090.00
66,333.33f
50,000.00
100,000.00
50,000.00
9,000.00
25.000.00
00,000.00
7,920.00
4,650.00$
17,865.33*
30.000.00f
38,933.33$
93,133.35$
25,000.00
10,000.00$
15,000.00$
109,240.00$
10,000.00
100,000.00
40,000.00$
70,220.00$
15,000.00
222,000.00
43,200.00
80,000.00$
54.506.67$
119,000.00$
40,000.00
7,817.00
346,465.65$
110,823.74
25,000.00$
10,000.00$
8,147.50$
19,525.08$
60,000.00$
20.784.00$
60,000.00$
130,109.06$
24,333.33
3,000.00$
33,000.00$
420.000.00
$4,464,025.72
* Market value.
Par value.
$ Book value.
In the past few years the amendments of each year to the " Insurance Act" and " Real-
estate Agents' Licensing Act" have for convenience been printed at length in this report, as
they were quite short. The 1932 amendments being of some length are on grounds of economy
omitted.
1,525-732-124
VICTORIA,  B.C. :
Printed by Charles F. Banfield, Printer to the King's Most Excellent Majesty.
1932.    

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