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THIRTIETH ANNUAL REPORT OF THE SUPERINTENDENT OF INSURANCE FOR THE PROVINCE OF BRITISH COLUMBIA 1941… British Columbia. Legislative Assembly [1941-1942]

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 THIRTIETH ANNUAL REPORT
OF   THE
SUPERINTENDENT OF INSURANCE
FOR  THE
PROVINCE OF BRITISH COLUMBIA
1941
(BUSINESS TRANSACTED IN 19*0)
PRINTED  BY
AUTHORITY OF THE LEGISLATIVE ASSEMBLY.
VICTORIA, B.C. :
Printed by Charles F. Banfield, Printer to the King's Most Excellent Majesty.
1941.  To His Honour E. W. Hamber,
Lieutenant-Governor of the Province of British Columbia.
May it please Your Honour :
The undersigned has the honour to present the Thirtieth Annual Report of the Superintendent of Insurance for the year ended December 31st, 1940.
GORDON S. WISMER,
A ttorney-General.
Victoria, B.C., July 2nd, 1941. TABLE OF CONTENTS.
Report of the Superintendent of Insurance	
Lists as at June 30th, 1940—
Insurers licensed	
Reciprocal Exchanges granted Permits	
Underwriters' Agencies licensed	
Names of Insurers ceased Business since December 31st, 1940.
Annual Statements of Provincial Licensees—
British Columbia Plate Glass Insurance Co	
Empire Life Insurance Co.
Page.
60
60
60
61
62
63
65
66
Grand Council of Canadian Order of Chosen Friends	
Home Assurance Company of Canada	
Mutual Fire Insurance Company of British Columbia	
Royal Plate Glass and General Insurance Company of Canada  67
Saskatchewan Mutual Fire Insurance Co  69
Stanstead & Sherbrooke Fire Insurance Co  70
TABLES.
Life Insurance—
I. Business of 1940 and Investments in the Province  72
II. Summary, 1936-40  73
Fire Insurance—
III. Business of 1940  74
IV. Summary, 1936-40  77
Automobile Insurance—
V. Business of 1940  78
VI. Summary, 1936-40  80
Miscellaneous Classes of Insurance—
VII. Business of 1940    81
VIII. Summary, 1936-40 1  91
IX. Investments in the Province of Insurers other than Life Insurers   92 Report of the Superintendent of Insurance.
Department of Insurance,
The Honourable Gordon S. Wismer, Victoria, B.C., July 2nd, 1941.
Attorney-General, Victoria, B.C.
Sir,—Pursuant to the " Insurance Act," I beg to submit the Thirtieth Annual Report of
the Department of Insurance covering the year ended December 31st, 1940.
At that date 293 insurers were licensed under the Act to transact business. The following
summary indicates the origin of the companies, how many held only Provincial licences, and
how many had Dominion registration in addition to a Provincial licence:—
Where incorporated.
Provincial
Licence.
Dominion
Registration.
Total.
3
5
3
1
15
60
68
2
1
7
2
1
4
121
3
20
60
71
2
1
7
2
1
4
122
Totals	
12
281
293
The comparative figures are for:
1939        	
12
11
281
283
293
1938       ~                                        -     -                               	
294
Three new insurers have been licensed during the year, namely:—
Drapers & General Insurance Company, Limited.
Phenix Fire Insurance Company of Paris, France.
Royal Plate Glass & General Insurance Company of Canada.
Three insurers ceased to do business in this Province during 1940, as follows:—
Providence Fire Assurance Company of Paris, whose business was reinsured by the
Commerce Mutual Fire Insurance Company.
Rhode Island Insurance Company, whose business was reinsured by the Agricultural
Insurance Company.
Western Empire Life Insurance Company, whose business was reinsured by The Great
West Life Assurance Company.
A complete list of licensed insurers will be found on pages 9 to 60. A similar list made
up to December 31st, 1940, was printed for circulation and published in The British Columbia
Gazette. The present list is therefore made up for the purposes of convenience to June 30th,
1941, in order that it may show the classes of insurance for which the insurers are now
licensed.
On analysis the list shows that 36 companies are licensed for life insurance, 223 for fire
insurance, 167 for automobile insurance, and 76 for marine insurance. These figures cover
only the major classes of insurance, and it should 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 61 to 71, as in previous years.
Only two fraternal societies are licensed, the Grand Council of Canadian Order of
Chosen Friends and the Sons of Scotland Benevolent Association.
Nine underwriters' agencies, a list of which will be found on page 60, were licensed.
Nine reciprocal exchanges held permits under section 194 of the " Insurance Act."
An effect of the war is reflected in the withdrawal of three French companies—the Bee
Fire Insurance Company, General Fire Insurance Company, and Providence Fire Assurance
Company—the first two since 1940. A new Dominion company was formed under the name
of General Security Insurance Company of Canada to take over the business of the General
Fire Insurance Company and the General Casualty Insurance Company and is licensed to do
business in the Province.
There is no reason for policyholders in French companies to be alarmed. Ample security
for their obligations in Canada is maintained at Ottawa.    The Dominion Superintendent of I 6 BRITISH COLUMBIA.
Insurance has made this public statement: " The collapse of France," he says, " produced for
a time a certain disturbance in the minds of the public as to the security afforded by companies
with head offices in that and adjoining countries, including, to a certain extent, companies
with their head offices in Great Britain. This disturbance can only be explained by a lack
of appreciation of the basis of the primary security afforded the insuring public in Canada
by British and foreign companies, all of which are required by Dominion laws to maintain
assets on deposit with the Department to the amount at least of their liabilities to policyholders in Canada, including the full reserve of unearned premiums on the business in force."
The war is no doubt also responsible to some extent for the figures shown in the returns
for the life insurance companies. Although business in the first quarter of 1940 was very
lively, the statistics for the year are extraordinarily close to those for 1939. It may be
inferred from a study of the summary, Table IL, printed at page 73, that the war alone
cannot be blamed for the comparatively small progress made during the last three years.
It will be noted that the totals for premiums and amount in force show only a slight increase
since 1937. British Columbia is not peculiar in these respects. The figures for Canada
published in the annual reports of the Dominion Superintendent of Insurance also show only
slow progress. The cost of life insurance has risen and may continue to rise, the main reason
being the drop in general interest rates. It has been computed by the Institute of Life
Insurance that the earnings from investments of life insurance companies in the United
States were " approximately $400,000,000 lower than they would have been had the average
interest return for the ten years prior to the depression prevailed." The drop, of course,
affects existing policyholders by way of profits or dividends. It has been offset in part by an
improved mortality rate and savings in costs of operation. These remarks would quite well
apply to the position in Canada. What the future holds for the business cannot be predicted.
It is agreed that the public does not yet carry as much life insurance protection as it should.
Some think it cannot do so at present premium rates. Others hold that the business is on the
eve of another era of great prosperity, but that insurance will be sold more intelligently as a
programme for the individual and more as protection or income than as investment.
Although the experience in point of loss ratio has again been eminently satisfactory,
the fire insurance business itself discloses a condition of stagnation comparable to that of
life insurance. For three years out of the past five years the loss ratio has been below
30 per cent, and in 1940 was the third lowest in Canada. Saskatchewan again had the lowest
figures and, to its credit be it said, has occupied that position since 1935, while British
Columbia has been a little below the average for Canada. By way of contrast the record in
this Province for 1937 and 1938, the remaining two years in the quinquennial period, averaged
well over 45 per cent. No doubt better fire-protection, more fire-prevention, improved building
construction, and more attention to the moral hazard account for loss ratios which indicate
definite progress in the reduction of the fire wastage. Naturally, there was some apprehension
of serious losses through sabotage, but throughout Canada that expectation has not
materialized. Against these favourable aspects of the fire insurance business the companies
set what is to them the melancholy picture of declining volume. The summary printed at
page 77 indicates that from 1933 onwards the total premiums appear to have been practically
stationary. That, however, is only a question of revenue; the business transacted in that
period has been profitable, though it may have been produced at greater cost and required
more work. If the figures were available, it would be found that the total amount at risk
had substantially increased and therefore more property had been covered by insurance
or values had risen. The smaller volume of premiums is also due to continued reductions in
rates, more of which will be made as a consequence of the lower loss ratios. Rather curiously,
the sounder condition of fire insurance experience only serves to add to the difficulties of the
business. Lower rates mean less revenue for the companies for the same work. The
production of the same amount of premiums requires more insurance and more policies. The
position of the agent is similar as he derives less commission from existing insurance renewed
at lower rates and must secure more insurance in order to earn his former income, while it
costs him more to do so.
Mention should be made of the coming into force of the provision for the repeal of
section 143 of the " Insurance Act." That section prohibited insurance against fire on the
cash plan of a mercantile or manufacturing risk for a term exceeding one year or of any
other risk for more than three years. A similar provision was to be found in the insurance
legislation of all other Provinces, save Quebec. For several years the question of repeal was
openly  discussed  at  the  conferences   of the  Association  of  Provincial   Superintendents  of REPORT OF THE  SUPERINTENDENT OF INSURANCE, 1940.
I 7
Insurance. In 1939 the amendment was recommended for uniform enactment and was
passed here but was not to be effective until proclaimed, that depending in some degree on
the action of other Provinces. The restriction has now been repealed and is no longer in
force in any Province. The matter does not strictly fall within a review for 1940, but it is
thought advisable to give publicity now to the action taken.
The automobile insurance record is disappointing; premiums higher but losses also, and
the loss ratio rising from 47.02 per cent, to 52.1 per cent., after falling steadily from 1936
when it was 73.51 per cent. The ratio in British Columbia for 1940 was above the average
for Canada. The volume of premiums grows steadily each year; to-day fire premiums for
Canada are only twice as large as automobile premiums, whereas only five years ago they
were three times as large. It is, however, high time that the business exhibited the improvement shown by fire insurance in point of losses. Perhaps the section of the public which
indulges in accidents will only learn proper caution when the automobile tends to become a
luxury through the extra cost of driving and reduction in the household budget entailed by the
war. Rates primarily depend on the claims to be paid and cannot be generally reduced
while the loss ratio rises. It might be mentioned that minute data of their experience are
now furnished by the companies to the Statistical Agency appointed under the " Insurance
Act." That information is scientifically classified and elaborated into statistical tables, which
indicate whether or not increases or decreases in rates are justified.
As is well known, automobile insurance policies have been standardized for some years
now, both in Canada and the United States. While there are definitely valuable advantages
in a standard form, the weakness is that it tends to conservatism and rigidity. In the
United States the form has been recently revised and the coverage broadened and made more
comprehensive—features always appreciated by the public. It may be anticipated that repercussions will be felt in Canada. If the insurance business is to develop and progress, it must
become more responsive to actual needs and convenience and move in the direction of more
comprehensive protection. Multiplicity of policies and endorsements must be eliminated. The
field of public liability insurance, which has expanded enormously, seems to be leading the
way in the inevitable evolution towards the comprehensive policy. Two trends are conspicuous.
One is the schedule type of policy which states specifically in separate schedules the several
coverages comprised in a single document. The other type of policy covers against all risks
except those particularly mentioned. Another aspect of insurance which, it is anticipated,
will receive more consideration is the wider application of the deductible principle, with which
the public is familiar in automobile insurance. The small loss is uneconomical both to the
insurer and the insured. The amount paid out on a small claim is not of much importance
and may earn some cheap good-will, but the incidental costs of adjustment and settlement can
be as large as for a big claim. The public on the other hand pays a high price for the small-
loss policy, although it may often be able to afford the cost of the small loss and should be
fully insured against real calamity.
The casualty figures contain nothing striking. Accident insurance rather curiously
shows another decline. Marine insurance premiums, as might be expected, were substantially
higher. Inland-transportation and property-damage insurance exhibit the greatest improvement, due to the new coverages made available in the last few years. The combined totals
for 1938 have doubled from $322,000 to $646,000 for 1940.
The revenue collected again exceeded the estimate and, as anticipated, the amount of tax
on unlicensed insurance again increased.
The number of licences issued to insurance agents and insurance salesmen is again lower.
The particulars of all licences under the " Insurance Act " follow:—
Licences issued to.
1940.
1939.
1938.
1937.
1936.
1,109
1,160
679
27
21
1,238
1,203
797
25
23
1,330
1,175
936
26
23
1,301
1,163
904
27
20
1,139
Employees of insurance adjusters — -	
20
2,996
3,286
3,490
3,415
3,263
The regular conference of the Association of Superintendents of Insurance for the
Provinces was not held in 1940. The Superintendents, however, met at Winnipeg and the
sessions were attended for special subjects of discussion by parties concerned with those
subjects.    Progress with matters on the agenda can be recorded but no specific amendments I 8
BRITISH COLUMBIA.
were actually recommended for enactment. The war has raised new problems requiring
careful consideration.
It has been said that the insurance business is a mystery to the public, a remark which is
equally applicable to many other kinds of business. It is, of course, a highly technical
business, but the fundamental principles are quite simple and intelligible, whether the business
is conducted for profit or on a mutual basis. There are, however, aspects with which the
public should be more familiar, and one of them is the meaning of " board " and " non-board,"
or " tariff " and " non-tariff." The term " board " refers to the organization maintained by
the companies with joint-stock capital which choose to belong to it and are admitted to
membership. Such organizations exist everywhere and, briefly, their purpose is to stabilize
the insurance business with respect to matters like rating and premiums and, in general, its
orderly conduct. Naturally, the charge of being a combine has been made against these
" boards." It has been judicially assessed in Canada by the Hon. Mr. Justice Masten, who
was appointed in Ontario to conduct a Royal Commission of inquiry into the insurance
business.    In his report he says:—
" I am of the opinion that the operations of the Canadian Fire Underwriters' Association
(a Dominion ' board ' organization) have been and are to the advantage and in the interests
of the public, and that such a combination tends strongly to maintain the solvency of the
companies, to stabilize rates, to eliminate discrimination, and to assist in controlling the
expenses of carrying on the business.
" This conclusion accords with findings of the strongest Commissions in the United States
that have considered this question."
I am alluding to this matter because last year the " board " companies of British Columbia
inaugurated a revised and enlarged organization. Associated activities began, it appears,
about 1880 in the City of Victoria. In 1890 a " board " was established in Vancouver. In
1920 the organizations on the mainland and Vancouver Island were merged under the title
" British Columbia Fire Underwriters Association," and later there was brought into that
Association the separate Automobile Association. The new Association will also embrace
in its operations the casualty field and ultimately cover all classes of insurance, except life
insurance. The matter of fire ratings is costly and scientific, and occupies a large engineering
staff. Complete surveys of all buildings and structures in cities and other places are made
and from time to time inspections follow. Fire-hazards and fire defences are investigated—
water-supplies, hydrant systems, fire brigades, sprinklered risks, and so forth. A detailed
plan of every place surveyed is drafted, which shows every known building. The sheets are
kept up to date. This is but a bare outline of the Association's activities, which may be
illustrated by some figures. Its last report states that the printing department turned out
over 2,100,000 pieces of matter, including 450,000 cards for the City of Vancouver alone in
connection with the changes in rates there. These services are all performed free of any
charge and with the object of preventing fire or diminishing the risk of fire spreading. The
companies which belong to the Association benefit of course from their own work, but so do
all other companies and the cities and other places and general public. Probably the public
is almost entirely ignorant of these scientific efforts to reduce the high fire wastage.
The real-estate business has been more active, as would be expected, and the number of
licences issued shows a substantial increase. Several prosecutions have been instituted against
persons for acting in violation of the " Real-estate Agents' Licensing Act," and upon receipt
of information the Department takes immediate steps to enforce the Act. There is naturally
a temptation in times of activity for persons not regularly engaged in the real-estate business
to do a little trading without complying with the requirements, and of this the Department
can have no knowledge unless it is furnished by those who are properly licensed or is derived
from inquiry by the public.    The record of licences is as follows:—
Licences issued to.
1940-41.
1939-40.
1938-39.
1937-38.
1936-37.
551
432
528
355
522
349
505
340
983
883
871
845
I have the honour to be,
Sir,
Your obedient servant,
H. G. GARRETT,
Superintendent of Insurance. REPORT OF THE SUPERINTENDENT OF INSURANCE, 1940.
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<!«o Annual Statements of Provincial Licensees.
BRITISH COLUMBIA PLATE GLASS INSURANCE COMPANY.
Head Office—Vancouver, B.C.
Directors.
W. J. Albutt. E. A. Albutt.
F. M. Chaldecott. F. G. Syder.
Capt. S. Robinson.
F. G. Syder, Secretary.
Statement for the Year ended December 31st, 1940.
Assets.
Mortgage loans on real estate  $30,000.00
Bonds and debentures   (amortized book value)  43,820.39
Cash in bank ___   1,397.18
Interest accrued  .  454.25
Agents' balances and premiums uncollected  (net, commission deducted)  2,911.41
Bills receivable  35.70
$78,618.93
Liabilities.
Reserve of unearned premiums  (net, at 80 per cent.)  $18,665.47
Investment reserves  .  7,000.00
Reserve for unreported claims  500.00
Capital stock—
Authorized       $25,000.00
Subscribed and paid up  10,000.00
Surplus   42,453.46
$78,618.93
Profit and Loss Account.
Premiums earned  (net)  $19,939.93
Losses and claims incurred  $9,939.28
Commissions      8,037.24
Taxes   .        697.36
Salaries, fees, and travelling expenses     1,429.42
     20,103.30
Underwriting loss          $163.37
Other revenue—
Interest earned  , $2,990.24
Profit on sale of securities and real estate         169.00
Decrease in deficiency of market under book value of securities  51.34
$3,210.58
Other expenditure—
Reserve for unreported claims         500.00
 2,710.58
Net profit for the year     $2,547.21 I 62 BRITISH COLUMBIA.
EMPIRE LIFE INSURANCE COMPANY.
Head Office—Kingston, Ont.
Directors.
Charles P. Fell. D. W. McCormick.
A. H. Keith Russell. Geo. M. Orr.
J. M. Campbell. D. R. McLaughlin.
. N. A. Fairhead. A. Bruce Matthews.
Geo. J. Guy.
L. T. Boyd, General Manager.
Statement for the Year ended December 31st, 1940.
Assets.
Real estate (book value)  :  $474,837.71
Mortgage loans on real estate  1,392,343.20
Amounts owing under agreements of sale of real estate  36,354.31
Loans and advances to policyholders  .  883,755.30
Bonds and debentures  (amortized book value)  6,365,876.04
Stocks  (book value)    1,097,272.92
Cash on hand and in banks  83,673.42
Agents' debit balances   16,781.92
Accounts receivable   1,515.57
Interest, dividends, and rents due and accrued  117,618.81
Premiums due and uncollected or deferred (net)  136,019.75
$10,606,048.95
Deduct assets not admitted—
Excess of total book value of ledger assets over total authorized
value   $448,580.73
Cash advanced to or in the hands of officers or agents       12,474.78
Interest due and accrued on mortgages in default two years and
over  __;         3,000.00
Rents outstanding over one month  351.00
        464,406.51
$10,141,642.44
Liabilities.
Liability under assurance and other contracts  (net)    $9,196,409.00
Liability for payments due under contracts (net)   61,465.24
Provision for unreported death claims and disability claims   18,000.00
Amounts left with company   99,195.34
Premiums paid in advance  29,673.11
Dividends to policyholders due and unpaid  802.01
Provision for accrued profits to policyholders  53,000.00
Shareholders' surplus   7,995.59
Taxes   15,000.00
Salaries, fees, commissions, etc., due and accrued   4,592.43
Miscellaneous accounts  '-— 1,487.50
Reserves for investments and contingencies   50,000.00
Staff pension, assurance and savings funds  1,955.69
Capital—
Authorized  .  $2,500,000.00
Subscribed    .     1,308,500.00
Paid up         313,145.00
Surplus         288,921.53
$10,141,642.44 . REPORT OF THE SUPERINTENDENT OF INSURANCE, 1940. I 63
Income.
Premium income  .  $1,045,594.97
Consideration for supplementary contracts   13,000.00
Amounts left with Company  38,271.74
Interest, dividends, and rents   454,655.29
Gross profit on sale of maturity of real estate, bonds, and stocks  4,489.50
All other income   6,229.22
$1,562,240.72
Disbursements.
Disbursements under assurance and annuity contracts (net)   $722,375.05
Payments under supplementary contracts  (net)   3,509.04
Reduction in premiums resulting from application of dividends  677.32
Amounts left with the Company  20,447.71
Taxes, licences, and fees  18,087.42
Head  Office expenses—Salaries,  directors'  fees, auditors'  fees, travelling expenses, rents, and miscellaneous   94,288.13
Branch Office and agency expenses—Commissions, salaries, advances to agents,
travelling expenses, rent, and miscellaneous   173,403.46
All other expenses—Advertising, books and periodicals, express, telegrams and
telephones, legal fees, medical fees, office furniture, postage, printing and
stationery, commissions on loans, and miscellaneous   30,617.00
Dividends paid to shareholders and tax   29,504.41
Loss on sale or maturity of real estate, bonds, and mortgages  34,919.05
All other disbursements   3,873.18
Balance   430,538.93
$1,562,240.72
Returns for British Columbia.
(See page 72.)
GRAND COUNCIL OF CANADIAN ORDER OF CHOSEN FRIENDS.
Head Office—Hamilton, Ont.
Governing Executive Authority.
P. M. Button. J. L. Archer.
Wm. Benson. A. Chevalier.
C. H. Fitch, Secretary.
Statement for the Year ended December 31st, 1940.
Assets.
Real estate (book value)   $32,000.00
Loans on policies   160,568.99
Bonds and debentures (amortized book value)   2,730,533.62
Cash on hand and in banks  74,268.89
Interest due and accrued  39,769.89
Collections reported but not received by head office  12,590.35
Deposit with Quebec Government   5,000.00
Other assets   392.88
$3,055,124.62
Deduct assets not admitted—
Deficiency of market under book value of bonds and debentures in default...       239,460.54
$2,815,664.08 I 64
BRITISH COLUMBIA.
Liabilities.
Provision for unpaid claims 	
Premiums paid in advance	
Commission 	
Reserves—
Mortuary Fund  $2,199,007.00
Sickness Fund) ______ ,„„„„
Funeral Fund }  106'465'00
Child Insurance Fund   20,195.00
$28,631.70
9,651.19
3,589.44
Other liabilities
Balance 	
     2,325,667.00
  67.00
        448,057.75
$2,815,664.08
Income.
Mortuary Fund       $345,628.89
Sickness and Funeral Fund	
Child Insurance Fund	
Guarantee Fund 	
National Building Fund—Rents   	
Assessments, dues, fees   	
Other revenue 	
29,545.38
5,023.09
162.84
3,057.00
1,709.05
18.20
$385,144.45
Disbursements.
Mortuary Fund 	
Sickness and Funeral Fund  .	
Child Insurance Fund	
National Building Fund  (operating expenses)  	
Head Office expenses—Salaries, directors' fees, auditors' fees, actuaries' fees and
expenses, travelling expenses, rents, printing and supplies, miscellaneous	
Agency and organization expenses—Commissions, salaries, travelling expenses,
and miscellaneous 	
All other expenses—Advertising, books and periodicals, legal fees, medical fees,
taxes and licences, telephone, telegrams, and express, agency printing and
stationery, official publications and miscellaneous 	
Balance 	
$254,013.69
19,056.86
212.45
3,057.00
31,110.97
43,374.92
7,961.86
26,356.70
$385,144.45
Returns for British Columbia.
Income—
Mortuary Fund 	
Sickness Fund 	
Child Insurance Fund	
Guarantee Fund 	
General Fund 	
Disbursements—
Mortuary Fund  	
Sickness Fund  	
Child Insurance Fund	
General Fund    	
$8,518.95
440.48
328.54
5.15
60.60
$9,353.72
$5,875.52
340.55
70.00
218.67
$6,504.74 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1940. I 65
HOME ASSURANCE COMPANY OF CANADA.
Head Office—Calgary, Alberta.
Directors.
H. E. Wingfield. G. A. Wilson.
A. Corrie. Dr. W. D. Dixson.
G. Fisher. E. Roberts.
E. E. Murray. J. Harries.
J. G. Norstrant.
Geo. A. Wilson, General Manager.
Statement for the Year ended December 31st, 1940.
Assets.
Mortgage loans on real estate   $7,848.69
Bonds and debentures  (amortized book value)   166,238.70
Cash on hand and in banks  65,069.77
Interest accrued   1,681.33
Agents' balances and premiums uncollected (net)   34,350.55
Furniture and fixtures  886.32
Other assets   3.00
$276,078.36.
Deduct assets not admitted—
Agents' balances on premiums written prior to October, 1st, 1940 . $5,417.55
Deficiency of market under book value of bonds and debentures  22,462.50 '"■
Furniture and fixtures         886.71
■       28,766.76
$247,311.60
Liabilities.
Provision for unpaid claims         $9,323.40
Reserve of unearned premiums (net, at 100 per cent.)        64,761.00
Cash dividends to shareholders—
(a.)   Due and unpaid   1,127.00
(6.)  Declared but not yet due         4,842.00
Taxes due and accrued  . .         6,057.71
Return premiums and balances due agents   954.08
Reserves—
(a.)  For unreported claims       $4,000.00
(6.)   For cash surrender values         7,000.00
       11,000.00
Under reinsurance agreements        16,534.16
Other liabilities   117.02
Capital stock—
Authorized  __. $500,000.00
Subscribed      500,000.00
Paid up        60,632.00
Surplus        71,963.23
$247,311.60 I 66
BRITISH COLUMBIA.
Profit and Loss Account.
Premiums earned (net) 	
Losses and claims incurred (net)   $101,279.53
Adjustment expenses (net)   8,628.73
Commissions   79,754.44
Taxes   9,467.21
Salaries, fees, and travelling expenses   20,843.05
All other expenses   26,468.21
$246,999.59
246,441.17
Underwriting profit 	
Other revenue—
Interest earned  $7,313.28
Bad debts recovered, previously written off        600,00
$558.42
Other expenditure—
Bad debts written off .
$7,913.28
819.20
7,094.08
Net profit        $7,652.50
Returns for British Columbia.
(See pages 75, 79, 81, 83, 86.)
MUTUAL FIRE INSURANCE COMPANY OF BRITISH COLUMBIA.
Head Office—Vancouver, B.C.
Directors.
J. W. Berry.
J. M. Miller.
Thos. Laing.
A. Blair, Jr.
Henry Rose.
William Newby.
R. U. Hurford.
W. J. Park.
C. E. Whitney-Griffiths.
Frank W. Machell.
Thos. J. Robertson.
W. H. Higginson.
Hanford Lewis.
Wm. Townsley, Manager-Secretary.
Statement for the Year ended December 31st, 1940.
Bonds and debentures (book value)   $40,601.25
Premiums due and unpaid   1,963.87
Premium instalments not yet due  32,881.32
Premium notes   111,059.30
Deferred commission   5,333.32
Other assets   32.97
$191,872.03 REPORT OF THE  SUPERINTENDENT OF INSURANCE, 1940, I 67
Liabilities.
Reserve of unearned premiums   $16,243.29
Premium instalment reserve   32,881.32
Premium note reserve   111,059.30
Commissions earned   849.03
Bank overdraft   '        409.82
Taxes      848.21
Reinsurance premiums   161.77
Accounts payable    46.73
Balance     29,372.56
$191,872.03
Profit and Loss Account.
Premiums earned      $32,440.04
Losses and claims incurred (net)   $18,545.47
Adjustment expenses   188.71
Commissions        5,375.75
Taxes   848.21
Salaries, fees, and travelling expenses        7,806.10
iV.ll other expenses        3,726.41
       36,490.65
Underwriting loss        $4,050.61
Interest earned      $1,580.67
Other revenue   140.75
■ ■        1,721.42
Net loss       $2,329.19
ROYAL PLATE GLASS AND GENERAL INSURANCE COMPANY OF CANADA.
Head Office—Vancouver, B.C.
Directors.
John R. Cooney. Frank Parsons.
Walter C. Heath. Brenton S. Brown.
Percy S. Young. Thomas S. Dixon.
Fred W. Sullivan. E. E. Buckerfield.
Frank E. Chadwick. Fred O. Hodgson.
Frank Parsons, General Manager.
Statement for the Year ended December 31st, 1940.
Assets.
Bonds and debentures (amortized book value)    $270,147.32
Cash on hand and in banks        41,543.75
Interest due and accrued          3,488.53
Agents' balances and premiums uncollected (net)        11,596.82
Other assets   109.15
$326,885.57 I 68 BRITISH COLUMBIA.
Liabilities.
Taxes due and accrued        $2,000.00
Reinsurance premiums        10,747.97
Capital stock—
Authorized   $1,000,000.00
Subscribed         100,000.00
Paid up  .     100,000.00
Surplus        214,137.60
$326,885.57
Profit and Loss Account.
Commissions      —$2,651.03
Taxes           2,710.88
Salaries .  260.00
All other expenses          1,569.29
Underwriting loss        $1,889.14
Other revenue—
Interest earned   $12,785.28
Dividends earned   200.00
Profit on sale of securities and real estate   40.00
Profit on foreign exchange   2,884.45
Excess of amortized over book value of bonds  1,141.07
  $17,050.80
Other expenditure—
Loss on sale of securities and real estate      $4,400.00
Interest paid on bonds purchased   485.15
Investment expenses   549.44
       5,434.59 ,
       11,616.21
Net profit        $9,727.07 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1940. I 69
SASKATCHEWAN MUTUAL FIRE INSURANCE COMPANY.
Head Office—Saskatoon, Sask.
Directors.
R. J. Harper. J. H. Evans.
Wm. Kershaw. 0. C. Lawson.
D. Maclean. Alex. Ross.
J. H. Bailey. H. R. Earl.
H. J. Beck.
H. R. Earl, General Manager.
Statement for the Year ended December 31st, 1940.
Bond and debentures (book value)   $426,433.29
Cash on hand and in banks   123,778.21
Interest due and accrued   15,071.56
Ag-ents' balances and premiums uncollected (net, commissions deducted)   45,255.38
Bills receivable   4,252.21
Amount due from reinsurance   6,869.22
Furniture, fixtures, and automobiles   14,731.31
Other assets   4,676.99
$641,068.17
Deduct assets not admitted—
Agents' balances on premiums written prior to October 1st, 1940.. $3,285.98
Furniture, fixtures, and automobiles   14,731.31
Interest  8,206.82
Deficiency of market value under book value of bonds and debentures   44,506.97
       70,731.08
$570,337.09
Liabilities.
Provision for unpaid claims   $25,499.53
Reserve of unearned premiums (net, at 80 per cent.)   255,288.18
Reserve for unlicensed reinsurance   874.00
Reinsurance premiums   1,392.29
Assessments prepaid   681.63
Reinsurance reserve   32,468.99
Surplus   254,132.47
$570,337.09
Profit and Loss Account.
Premiums earned  (net)    $328,723.06
Losses and claims incurred (net)  1   $108,213.63
.Adjustment expenses  (net)         19,663.00
Commissions        74,359.92
Taxes        10,587.31
Salaries, fees, and travelling expenses        39,321.60
All other expenses        23,591.74
 —    275,737.20
Underwriting profit      $52,985.86 I 70 BRITISH COLUMBIA.
Other revenue—
Interest earned   $16,718.24
Bad debts written off        1,076.51
Decrease in agents' balances over ninety days       1,371.19
Decrease in deficiency of market under book value of
securities        1,629.34
Miscellaneous    155.62
     $20,950.90
Other expenditure—
Life insurance premium         $223.40
Retirement Fund          2,684.72
         2,908.12
     $18,042.78
Net profit  r     $71,028.64
Returns for British Columbia.
(See pages 76 and 79.)
THE  STANSTEAD AND  SHERBROOKE  FIRE  INSURANCE  COMPANY,
STOCK MUTUAL.
Head Office—Sherbrooke, Quebec.
Directors.
Amedee Caron. Hon. Jacob Nicol.
A. E. Curtis. F. J. Southwood.
Hon. Chas. B. Howard W. L. R. Stewart.
Walter G. Hunt. T. A. St. Germain.
N. R. Mitchell.
J. G. Armitage, Secretary and Treasurer.
Statement for the Year ended December 31st, 1940.
Assets.
Real estate (book value)   $118,109.27
Agreements for sale of real estate  9,550.63
Mortgage loans on real estate  181,500.00
Bonds and debentures (amortized book value)   871,342.40
Stocks (book value)   118,889.00
Cash on hand and in banks -.  101,919.22
Interest and rents due and accrued   12,716.44
Agents' balances and premiums uncollected (net, commission deducted)   89,784.88
Amount due from reinsurance  17,188.98
Reinsurance reserve   26,504.06
Plans, furniture, fixtures, and automobiles   8,560.20
Other assets   1,550.18
$1,557,615.26 REPORT OF THE  SUPERINTENDENT OF INSURANCE, 1940. I 71
Deduct assets not admitted—
Agents' balances on premiums written prior to October 1st, 1940.. $3,678.43
Deficiency of market under book value of bonds and debentures...- 44,213.20
Deficiency of market under book value of stocks  22,732.08
Plans, furniture, fixtures, and automobiles     8,560.20
Other assets  , rt     1,550.18
        $80,734.09
$1,476,881.17
Liabilities.
Provision for unpaid claims         $22,189.16
Reserve of unearned premiums (net, at 100 per cent.)         327,269.70
Expenses due and accrued   7,698.80
Taxes due and accrued   6,636.78
Reinsurance premiums (net)   20,489.42
Reinsurance losses   10,567.10
Return premiums and balances due agents  153.99
Capital—
Authorized   $200,000.00
Subscribed        200,000.00
Paid up         180,000.00
Surplus         901,876.22
$1,476,881.17
Profit and Loss Account.
Premiums earned (net)  .      $360,307.34
Losses and claims incurred (net)  .'.  $166,984.22
Adjustment expenses (net)          7,543.58
Commissions       110,508.12
Taxes         17,106.06
Salaries, fees, and travelling expenses        42,901.45
All other expenses        15,214.62
        360,258.05
Underwriting profit   49.29
Other revenue—
Interest earned   $46,171.66
Dividends earned        4,058.00
Rents earned        2,928.05
Decrease in deficiency of market under book value
of securities        1,168.62
     $54,326.33
Other expenditure—
Loss on sale of securities and real estate          8,607.54
  45,718.79
Net profit        $45,768.08
Returns for British Columbia.
(See page 76.) I 72
BRITISH COLUMBIA.
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BRITISH COLUMBIA.
TABLE III.—FIRE INSURANCE PREMIUMS AND LOSSES FOR 1940.
Name of Insurer.
Net
Premiums
written.
Net Losses
paid.
Net
Premiums
earned.
Net Losses
incurred.
$18,788.24
48,638.85
6,970.92
32,793.95
9,255.24
2,480.32
4,645.55
6,088.83
14,363.88
6,118.45
15,471.47
38,623.30
1.60
7,377.96
$3,028.48
10,724.66
2,119.50
7,729.00
128.09
413.68
1,282.60
723.21
2,244.04
919.50
5,471.60
15,623.48
Nil
3,578.48
$20,657.13
43,593.15
7,746.33
38,232.62
12,297.72
2,485.93
5,147.74
6,671.83
18,447.76
6,023.42
16.018.48
41,665.85
4.76
10,172.53
8,346.36
32,271.46
2,842.88
5,044.40
5.898.62
26,478.67
2,766.95
9,083.06
23,946.66
29,655.25
5,952.00
13,405.79
13,010.66
11,783.15
16,175.02
4,355.23
11,795.07
33,416.88
2,766.95
19,111.12
13,480.54
9,189.11
29,006.66
14,001.24
14,460.65
6,250.81
10,751.24
3,618.88
7,172.70
6,283.49
1,631.21
19,124.80
1,203.73
6,885.62
5,277.01
49,485.12
1,190.40
12,254.28
5,864.02
20,159.77
34,883.42
28,916.17
11,664.04
3,649.18
2,474.36
27,346.38
$4,013.15
4,477.16
2,878.50
9,221.26
258.09
449.18
1,532.60
756.86
1,971.74
1,038.50
4,838.30
Automobile Insurance Co. of Hartford  - 	
12,739.35
Nil
2,574.42
Bankers and Shippers Insurance Co  -	
10,899.21
31,123.41
2,735.71
4,422.88
4,985.31
25,374.13
2,322.78
10,215.55
22,838.08
29,619.27
5,806.94
12,120.69
11,933.07
3,538.18
15,095.88
9,001.08
11,133.30
30,925.27
2,322.78
19,876.60
12,775.27
9,336.57
24,370.52
12,609.14
15,712.42
5,721.48
9,870.55
3,747.38
6,959.21
6,058.45
789.93
16,361.13
1,066.16
3,832.08
10,731.77
319.79
1,660.02
910.22
8,374.76
641.30
840.17
3,047.48
12,082.25
1,603.25
1,299.09
2,092.28
1,401.28
5,214.94
2,554.16
4,251.48
10,428.00
641.30
2,201.47
3,527.14
2,256.75
2,809.44
5,192.54
826.46
783.07
1,483.58
261.39
1,798.66
788.61
127.73
3,890.84
240.08
3,888.08
10,338.68
424.29
2,203.02
928.58
9.610.76
766.30
2,150.17
2,005.30
12,803.25
1,915.25
825.09
British North Western Fire Insurance Co   	
2,686.77
1,239.28
British Traders Insurance Co., Ltd. _ -	
3,266.84
2,554.16
4,258.21
10,257.44
766.30
2.826.92
4,214.14
2,039.75
2,349.47
5.487.54
Canadian Indemnity Co.   ,   .-., -	
860.46
1,004.47
1,834.18
261.39
1,696.56
Central Manufacturers Mutual Insurance Co 	
755.02
97.73
4,257.54
Citizens Insurance Co. of Jersey City—    ■
13.76
6,262.75
8,470.59
48,843.05
1,161.39
12,079.87
7,160.45
22,174.55
32,216.02
28,671.36
11,143.00
7.650.44
2,408.91
25,450.56
3,007.81
25,721.28
9,699.11
8,361.33
5,356.81
3,556.02
7,781.24
14,194.79
31,816.33
1,009.49
783.52
18,499.64
320.65
4,666.00
3,111.82
1,426.79
3,222.06
3,584.14
2,943.67
46.09
1,072.36
4,690.57
535.72
4,641.52
2,054.85
2,165.87
1,462.78
60.46
2,665.31
7,191.52
7,813.63
1.337.71
806.15
Commercial Union Assurance Co., Ltd..	
22,321.64
383.65
5.262.42
3,020.82
Continental Insurance Co. .„'	
1.019.76
3,402.94
3,396.58
2,993.67
Drapers* & General Insurance Co., Ltd..	
50.29
1,100.36
Eagle Star Insurance Co., Ltd  -	
3.114.65
529.52
26.486.40
10,235.76
7,875.85
5,825.44
2,246.18
7,894.24
12.676.85
33,290.17
4,237.52
2,045.74
152.29
1,086.91
— 19.54
2,604.31
7,310.33
Fidelity Phenix Fire Insurance Co 	
4,936.76
$925,474.55
$226,058.11
$959,027.15
$218,430.29 REPORT OF THE  SUPERINTENDENT OF INSURANCE, 1940.
I 75
TABLE III.—FIRE INSURANCE PREMIUMS AND LOSSES FOR 1940—Continued.
Name of Insurer.
Net
Premiums
written.
Net Losses
paid.
Net
Premiums
earned.
Net Losses
incurred.
Brought fonvard .
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 —
f First National Insurance Co. of America. 	
Fonciere Fire Insurance Co     	
* Franklin Fire Insurance Co. of Philadelphia	
General Accident Assurance Co. of Canada 	
General Accident Fire & Life Assurance Corp., Ltd...
General Fire Insurance Co. of Paris —
f General Insurance Co. of America 	
Girard Fire & Marine Insurance Co	
Glens Falls Insurance Co  -
Globe and Republic Insurance Co. of America..
Globe Indemnity Co. of Canada	
Gore District Mutual Fire Insurance Co—	
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.- —	
Helvetia Swiss Fire Insurance Company	
Home Assurance Co. of Canada 	
Home Fire & Marine Insurance Co	
* Home Insurance Co. of New York-	
* Homestead Fire Insurance Co  —
Hudson Bay Insurance Co 	
Imperial Assurance Co.
Imperial Guarantee & Accid. Insur. Co. of Canada-
Imperial Insurance Office - --.—	
Indiana Lumbermen's Mutual Insurance — 	
Insurance Co. of North America  	
Jersey Insurance Company  	
Law, Union & Rock Insurance Co., Ltd	
Legal & General Assurance Society..
Liverpool & London & Globe Insurance Co., Ltd—
Liverpool-Manitoba Assurance Co 	
tt Local Government Guarantee Society, Ltd.	
London & County Insurance Co., Ltd—
London & Lancashire Guar. & Accident Co. of Canada-
London & Lancashire Insurance Co., Ltd	
London & Provincial Marine & Gen. Insur. Co., Ltd	
London & Scottish Assurance Corporation, Ltd	
London Assurance    	
London-Canada Insurance Co  	
London Guarantee & Accident Co., Ltd -	
Lumbermen's Insurance Co -  	
Lumbermen's Mutual Insurance Co  	
Lumber Mutual Fire Insurance Co...   —
Marine Insurance Co., Ltd. _  	
Maryland Insurance Co., Ltd.—     	
Mercantile Insurance Co 	
Merchants & 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....
§ Milwaukee Mechanics' Insurance Co 	
Minnesota Implement Mutual Fire Insurance Co..
Motor Union Insurance Co., Ltd -	
Mutual Fire Insurance Co. of B.C. 	
National Ben Franklin Fire Insurance Co..
Nationale Fire Insurance Co. of Paris	
Carried forward-
$925,474.55
6,593.14
21,840.03
49,875.61
15,782.14
6,166.64
— 16,784.17
4,532.07
6,792.31
5,096.81
95,657.01
877.04
2,963.87
6,708.16
8,699.01
21,131.18
23,838.52
88,478.99
12,906.42
14,856.94
156,307.92
3,807.94
31,239.75
37,445.83
6,921.78
24,765.18
11,808.35
100,120.53
10,884.92
12,525.49
3,483.55
8,897.39
5,807.09
47,087.01
22,825.74
24,218.25
30,814.20
64,668.59
13,918.42
20,446.37
6,532.69
72,169.00
4,065.72
7,559.24
39,784.25
2,089.94
12,525.49
12,757.74
3,476.25
3,941.59
Nil
5,379.00
9,704.44
8,660.14
30,431.29
9,746.91
3,401.94
5,708.62
21,766.15
4,214.53
119,815.68
33,023.44
4,935.28
32,486.58
11,449.77
13,396.72
$226,058.11
771.64
8,012.69
2,261.67
2,276.56
976.38
529.67
914.50
3,840.70
1,297.35
14,483.85
20.04
415.40
497.31
2,248.34
10,348.45
3,763.44
33,999.05
5,037.27
9,365.34
37,945.06
290.77
18,260.88
11,283.58
9,192.17
7,655.16
580.20
28,423.60
2,813.29
2,018.99
215.83
1,531.88
1,300.62
6,269.63
6,624.58
3,739.35
8,619.42
16,993.45
3,597.32
4,643.77
694.38
17,459.69
629.93
747.31
17,306.66
217.29
2,018.99
11,753.45
1,048.69
1,185.19
Nil
284.26
5,561.59
5,343.84
8,214.82
8,516.32
140.68
1,003.97
11,728.37
1,006.98
31,136.05
16,997.97
741.80
18,545.47
1,119.61
4,165.37
$959,027.15
6,898.80
25,520.03
39,429.16
14,941.86
3,922.31
— 9,539.47
5,041.65
7,286.12
5,896.76
91,744.83
551.28
3,641.38
7,641.06
8,965.87
13.858.87
23,927.22
85,911.85
12,276.29
14,789.70
133,389.75
4,139.63
30,714.28
38,204.60
7,937.03
22,651.98
12,872.98
94,645.75
11.218.83
13,771.27
4,184.60
14,075.75
5,369.86
49,548.07
26,980.28
25,243.33
31,175.52
68,439.45
14,345.39
19,123.96
7,292.66
73,556.77
4,484.67
8,109.94
44.469.07
3,788.11
13.771.27
12,260.55
3.289.31
3,762.33
Nil
5,694.26
10,754.56
10,384.22
32,893.53
10,350.47
3.096.76
4,907.68
24,541.51
3,878.64
88,853.59
31,658.68
5,375.09
32,440.04
12,144.61
12,336.27
$218,430.29
968.64
8,236.69
2,212.67
2,250.87
2,257.37
554.67
300.46
78.66
1,297.35
26,255.76
20.04
660.40
1,089.31
2,120.73
10,361.15
4,101.66
27,132.49
3,304.64
9,198.34
43,026.81
574.98
20,448.70
8,814.98
9,972.94
7,728.61
580.20
40,204.49
2,653.61
2,675.44
—34.17
1,469.88
2,229.72
13,741.63
4,926.58
4,263.85
12,570.42
20,456.34
3,393.16
4,688.78
835.38
27,313.69
774.93
2,367.31
10,441.38
193.38
2,676.44
11,825.25
1.058.89
8,796.00
Nil
216.01
6,520.59
5,838.39
8,300.62
6,115.32
615.68
1,138.99
11,786.17
997.20
35,301.05
20,161.54
917.10
18,545.47
1,051.26
4,420.37
1,418,502.97 I     $666,685.89
$2,413,859.52  j     $713,316.54 I 76
BRITISH COLUMBIA.
TABLE III.—FIRE INSURANCE PREMIUMS AND LOSSES FOR 1940—Continued.
Name of Insurer.
Net
Premiums
written.
Net Losses
paid.
Net
Premiums
earned.
Net Losses
incurred.
$2,418,502.97
17,635.23
$666,685.89
2,845.48
$2,413,859.52
13,728.99
$713,316.54
4,944.48
6,959.21
4,935.28
4,928.92
8,590.82
7,483.38
1,798.66
741.79
319.39
577.80
1,934.13
250.99
1,242.53
134.10
2,374.90
9,628.41
2,018.99
3,710.28
23,054.63
1,509.98
1,282.60
15,452.53
1,912.24
3,527.14
4,357.16
3,176.91
16,657.92
3,847.79
3,438.31
5,410.35
1,087.08
19.56
218.72
20,614.05
3,360.86
1.582.48
1,102.80
301.04
676.11
8,446.96
6,623.74
4,322.48
8,088.22
1,495.65
485.54
3,897.00
7,172.70
5,370.23
5,668.03
9.595.73
7,712.95
1,696.56
National Provincial Insurance Co , Ltd  ; _	
National Security Fire Insurance Co.   - -	
917.09
633.39
1,168.30
1,824.35
1,427.16
8,010.00
5,402.41
7,629.58
40,988.29
12,525.49
16,570.00
116,066.82
10,251.99
4,645.55
47,507.36
11,676.49
12,775.27
42.156.78
10,845.82
10,357.93
13,936.66
8,344.45
23,233.76
4,713.16
1,685.87
9,381.86
95,782.40
18,857.42
6,122.77
8,788.55
— 1,478.28
6,707.32
27,879.37
32,792.48
17,430.83
31,374.64
7,410.18
7,124.89
4,572.72
1.226.93
6,231.03
4,987.27
11,567.46
38,808.89
13,771.27
16,971.60
110,028.20
9,507.56
5,147.74
49,466.54
11,371.62
14.793.97
45,445.04
11,786.74
12,093.66
14,938.87
8,800.83
26,289.60
4,390.09
1,910.08
8,364.07
106,439.39
17,813.48
6.310.59
8,299.98
4,050.95
7,402.51
31,394.05
27,537.81
18,321.48
32,888.24
8,434.89
7,649.55
5,581.38
284.75
1,110.03
New York Underwriters Insurance Co. —	
Niagara Fire Insurance Co. ..,    	
542.86
2,305.21
14,185.61
2,675.44
3,960.28
26,712.95
1,549.26
1,532.60
Norwich Union Fire Insurance Society, Ltd  	
13,457.53
1,489.24
4,214.14
Ohio Farmers Insurance Co — _   „,„
Pacific Fire Insurance Co  _ - —
Palatine Insurance Co., Ltd  —- _	
Patriotic Assurance Co., Ltd.— _  	
4,132.16
3,543.61
16,590.92
4,600.79
1,361.09
13,163.35
Pennsylvania Lumbermen's Mutual Fire Insurance Co. ...
3,124.39
19.56
5.418.72
33,497.03
3,345.77
1,492.67
743.47
301.04
Providence Washington Insurance Co -	
Provincial Insurance Co., Ltd.. _ _ - 	
1,282.91
8,388.89
9,224.74
Quebec Fire Assurance Co... _ - - - - -
4.133.48
7,629.16
2,021.62
2,261.36
Reliance Insurance Co. of Canada  —
4,360.99
36,885.54
96,134.98
8,543.62
22,848.78
40,340.31
100,000.84
9,687.12
Royal Insurance Co., Ltd  	
22,611.19
Royal Scottish Insurance Co., Ltd _   -	
5,106.86
15,633.44
14,220.38
6,408.77
7,108.99
22,316.54
9,551.69
2,757.28
3,044.47
1,427.16
9.965.13
4,673.46
64,959.13
10,318.59
4,935.28
45,467.82
8,732.30
Nil
12,609.14
91,306.13
22,066.40
17,550.44
216.98
1,953.30
10,399.54
1,182.51
1,698.46
7,727.45
637.04
47.09
124.73
250.99
2,216.71
1,109.02
9,601.97
7,064.49
741.79
6,845.95
11,740.26
Nil
5,192.57
15,853.04
6,092.34
3,004.97
4,961.76
15,326.24
14,265.76
6,975.17
7.037.14
22,254.02
13,490.95
3,504.82
2,441.72
1,226.92
9,892.33
5,123.76
55,953.22
6,082.60
5.366.92
47,139.35
11,168.54
Nil
14.001.24
96,161.36
23,003.70
19,711.48
336.98
4,267.40
10,412.50
1,560.85
Scottish Metropolitan Assurance Co., Ltd 	
1,750.46
6,462.45
Security Insurance Co. of New Haven— _ —
1,566.04
23.09
184.42
284.75
2,044.71
1,276.87
11,551.37
Stanstead & Sherbrooke Fire Insurance Co., stock mutual-
State Assurance Co., Ltd- -	
Sun Insurance Office, Ltd._ _ - —	
7,108.17
917.09
9,768.87
12,524.04
Nil
5,487.57
24,289.17
7,278.34
Union Fire, Accident & General Insurance Co. of Paris.	
2,807.47
$3,665,713.72
$965,306.79
$3,698,561.66
$1,073,359.25 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1940.
I 77
TABLE III.—FIRE INSURANCE PREMIUMS AND LOSSES FOR 1940—Continued.
Name of Insurer.
Brought forward.
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. 	
Urbaine Fire Insurance Co. of Paris  —
Wawanesa Mutual Insurance Co 	
Wellington Fire Insurance Co. 	
Western Assurance Co  	
11 Westminster Fire Office .
World Fire & Marine Insurance Co. 	
World Marine & General Insurance Co., Ltd..
Yorkshire Insurance Co., Ltd  -
Totals .
* Baltimore-American Insurance Co. (gross) 	
* City of New York Insurance Co. (gross)	
t First National Insurance Co. of America (gross) —	
* Franklin Fire Insurance Co. (gross)— —	
* Homestead Fire Insurance Co. (gross)   	
tt Local Government Guarantee Society, Ltd. (gross)	
* National Liberty Insurance Co. (gross) 	
* New Brunswick Fire Insurance Co. (gross) 	
** Rhode Island Insurance Co.   .— 	
§ Royal Plate Glass & General Ins. Co. of Canada (gross).
|| United British Insurance Co., Ltd. (gross)  _
1J Westminster Fire Office (gross)   —-	
Net
Premiums
written.
Net Losses
paid.
1,665,713.72  \    $965,306.79
26.211.90 I
12,525.49 |
- -  !
6,262.76 |
11,563.31
35,814.41 ;
3,773.69
64,428.40 i
4,960.51 :
14.955.91 I
 — I
3,136.03 !
6,356.74 |
24,042.24
8,715.23
2,018.99
1,009.49
1,155.27
4,550.15
63.84
16,309.98
3,087.30
2,738.11
4,719.95
2,377.00
4,014.03
$3,879,740.10   I $1,016,066.03
$3,228.20
$3,554.86
5,074.94
126.18
32,255.92
9,151.18
30,452.03
1,652.63
5,424.60
137.84
7,122.70
741.73
6,622.88
1,110.57
6,060.05
3,154.71
Net
Premiums
earned.
20,896.58
1,184.10
7,267.40
Note.—These figures are included in the foregoing
figures for the insurers whose names are preceded by
the same sign.
338.08
47.63
327.38
Net Losses
incurred.
$3,698,561.66 | $1,073,359.25
27,845.99
13,771.27
6,885.62
11,119.87
34,204.35
4,123.54
47,500.70
5,655.65
16,803.88
7.620.19
5,558.54
22,479.54
5,453.68
2,675.44
1,337.71
1,134.00
11,034.15
58.90
20,249.49
3,067.20
2,561.11
5,806.98
2,506.00
4,095.63
1,902,130.80   | $1,133,339.54
Reciprocal Exchanges.
Name of Exchange.
Net Premium
Deposits
written.
Net Losses
paid.
Net Premium
Deposits
earned.
Net Losses
incurred.
$11,951.96
2,860.08
1,084.97
4,061.63
3,672.66
21,208.37
520.73
6,002.82
2,376.97
$586.07
212.37
87.88
NU
Nil
30,649.71
Nil
313.87
213.22
$11,863.38
2,731.16
1,394.33
3,374.92
3,316.75
23,849.60
622.88
5,324.18
2,377.29
$586.07
212.37
Canadian Reciprocal Exchange ..—	
Canners Exchange Subscribers at Warner Inter Insurance Bureau  „	
107.88
Nil
Nil
Lumbermen's Underwriting Alliance	
Metropolitan Inter-Insurers—  	
30,649.71
NU
468.87
213.22
Totals  	
$53,640.19
$32,063.12
$54,754.49
$32,238.12
TABLE IV.—FIRE INSURANCE SUMMARY.
(Figures shown in nearest thousand.)
Year.
Net Premiums
written.
Net Amount of
Losses paid.
Net Premiums
earned.
Net Amount of
Losses incurred.
Ratio losses
incurred to
Premiums
earned.
1936	
$3,975,000
4,167,000
4,056,000
3,866,000
3,880,000
$1,225,000
1,713,000
2,071,000
1,154,000
1,016,000
$3,969,000
4.082,000
4,105,000
3,963.000
3,902,000
$1,169,000
1,877,000
2,011,000
1.134,000
1,133,000
29.45
45.96
49.00
28.70
29.04
1937	
1938	
1939	
1940  	 I 78
BRITISH COLUMBIA.
TABLE V.—AUTOMOBILE INSURANCE PREMIUMS AND LOSSES FOR 1940.
Name of Insurer.
Net
Premiums
written.
Net Losses
paid.
Net
Premiums
earned.
Net Losses
incurred.
Aetna Insurance Co.. - -	
NU
Nil
Nil
$16.05
35.10
182.84
19,693.59
46,152.58
Nil
8,868.33
1,991.32
8,160.47
61,593.86
165.46
43,556.74
13,091.89
12,013.78
8,610.37
14,186.36
2,388.03
14,891.28
2,891.91
2,916.19
24,754.80
19,220.37
26,690.28
24,060.52
23,355.41
31,700.73
3,212.60
14,780.57
NU
Nil
NU
$4,149.43
Nil
170.63
7,343.83
29,377.04
NU
1,963.84
1,749.48
1,106.49
37,454.08
8.98
16,581.08
6,976.39
8,560.19
3,460.79
5,978.82
1,865.53
4,674.48
401.18
2,489.50
9,949.76
9,058.52
7,064.31
3,456.64
8,074.04
16,283.95
1,174.12
4,825.18
Nil
Nil
NU
$1,166.75
31.19
194.89
20,852.76
48,860.44
Nil
8,172.73
1,846.66
7,997.38
63,520.64
209.65
41,966.83
12,990.50
12,922.07
8,613.56
13,687.97
4,626.42
14,563.69
3,068.04
2,948.47
24,763.89
18,969.13
26,581.37
18,551.27
24,061.86
30,799.82
3,786.09
12,762.64
Nil
NU
NU
$3,256.93
Alliance Insurance Co. of Philadelphia.,   	
Nil
165.13
7,466.52
54,268.54
NU
2,118.79
Arex Indemnity Company.-  	
1,444.48
1,266.49
Bankers & Traders Insurance Co., Ltd.. 	
25.438.48
8.98
25,337.08
9,730.39
5,069.19
4,667.79
British Law Insurance Co  - 	
British Oak Insurance Co., Ltd -   ,.	
British Traders Insurance Co., Ltd. 	
Caledonian Insurance Co. _  .* _ 	
Camden Fire Insurance Association  _ -  .
5,298.82
— 345.77
3,937.73
401.18
2,026.50
13,418.76
8,483.52
7,408.81
7,142.64
6,499.04
15,522.72
1,159.12
6,610.18
261.90
9,023.50
68,588.10
13,991.85
Nil
595.40
Nil
16,525.29
4,570.82
37,166.44
2,594.20
330.32
44.10
28,914.44
3,933.25
Nil
2.254.97
3,419.72
Nil
Nil
Nil
NU
1,963.84
26,600.50
5,623.78
NU
2,650.39
NU
5,811.58
2,257.50
19,783.15
143.77
32.50
NU
10,175.68
1,053.26
Nil
203.33
727.07
Nil
Nil
Nil
257.44
8,265.81
59,253.89
14,043.87
Nil
645.91
Nil
15,165.55
5,068.64
35,851.60
1,596.53
501.06
33.81
29,932.05
3,013.64
Nil
2,456.78
5,868.87
NU
Nil
NU
NU
Century Insurance Co., Ltd—  - -
2,118.79
25,134.67
7,585.78
Consolidated Fire & Casualty Insurance Co - -	
Nil
2,562.39
NU
8,003.72
985.99
22,287.15
Drapers' & General Insurance Co., Ltd. _ _	
2,148.77
62.50
Nil
10,490.68
1,043.26
NU
— 910.67
334.11
Fire Association of Philadelphia._.  	
Nil
Nil
Firemen's Insurance Co., Newark 	
Nil
11,555.62
12,998.54
71,318.27
35,348.26
28.709.55
28,087.60
28,948.99
22,048.66
2,980.76
1,645.51
210.037.23
30,785.29
81,379.35
156.56
11,446.79
2,139.60
	
4,704.62
11,801.43
15,522.85
21,826.17
7,472.92
17,039.09
8,107.03
6,222.21
746.12
1,535.70
86,677.22
15,109.52
42,750.73
Nil
8,168.04
3,508.30
12,170.90
14,623.36
63,252.79
34,422.41
25,541.46
28,538.79
28,195.08
16,577.78
3,115.72
1,753.92
200,101.53
31,600.57
74,651.79
148.97
11,783.50
1,900.86
4,576.62
General Accident Fire & Life Assur. Corporation, Ltd.	
12,946.43
19,277.85
23,910.77
9,432.92
18,282.09
11,213.03
Gore District Mutual Fire Insurance Co.	
Great American Indemnity Co 	
10,235.93
241.12
1,486.20
94,499.22
Guildhall Insurance Co., Ltd. 	
Halifax Fire Insurance Co—   - - -
18,950.52
66,033.11
Nil
8,013.04
Hartford Fire Insurance Co   	
2,710.80
$1,200,982.31
$521,416.58
$1,158,851.59
$601,458.83 REPORT OF THE  SUPERINTENDENT OF INSURANCE, 1940.
I 79
TABLE V.—AUTOMOBILE INSURANCE PREMIUMS AND LOSSES FOR 1940
—Continued.
Name of Insurer.
Net
Premiums
written.
Net Losses
paid.
Net
Premiums
earned.
Net Losses
incurred.
Brought fonuard.
Home Assurance Co. of Canada .
t Home Insurance Co. — 	
t Homestead Fire Insurance Co..
* Hudson Bay Insurance Co..
Imperial Guarantee & Accident Ins. Co. of Canada-
Imperial Insurance Office   	
Indemnity Insurance Co. of North America	
Indiana Lumbermen's Mutual Insurance Co	
Insurance Co. of North America	
Jersey Insurance Company-
Law, Union & Rock Insurance Co., Ltd 	
Legal & General Insurance Society, Ltd.—	
Liverpool & London & Globe Insurance Co	
Liverpool-Manitoba Assurance Co  	
London & County Insiirance Co., Ltd  	
London & Lancashire Guarantee & Accident Co..
London & Lancashire Insurance Co 	
London & Provincial Marine General Insurance Co., Ltd..
London & Scottish Assurance Corporation	
London Assurance — -	
London-Canada Insurance Co   	
London Guarantee & Accident Co  	
Lumbermen's Mutual Casualty Co —	
Marine Insurance Co., Ltd 	
Maryland Casualty Co  	
Merchants Marine Insurance Co 	
Mercury Insurance Co  	
Metropolitan Casualty Insurance Co..
Michigan Fire & Marine Insurance Co..	
§ Milwaukee Mechanics' Insurance Co	
Minnesota Implement Mutual Fire Insurance Co..
Motor Union Insurance Co  -	
National Ben Franklin Fire Insurance Co	
National Fire Insurance Co. of Hartford—	
National Liberty Insurance Co. of America	
National Union Fire Insurance Co..	
Newark Fire Insurance Co	
New England Fire Insurance 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. 	
Ocean Accident & Guarantee Corporation, Ltd..
Ohio Farmers Insurance Co. —
Pacific Coast Fire Insurance Co 	
Palatine Insurance Co. 	
Patriotic Assurance Co., Ltd..	
Pearl Assurance Co., Ltd	
Phoenix Assurance Co., Ltd..	
Phoenix Insurance Co. of Hartford	
* Pioneer Insurance Co  - —
Providence Washington Insurance Co...
Provincial Insurance Co  —	
Prudential Assurance Co., Ltd 	
Queen Insurance Co..  	
Queensland Insurance Co., Ltd.	
Railway Passengers Assurance Co	
** Rhode Island Insurance Co..	
Royal Exchange Assurance	
* Royal Insurance Co., Ltd...
§ Royal Plate Glass & General Insurance Co. of Canada..
St. Paul Fire & Marine Insurance Co..	
St. Paul Mercury Indemnity Co..	
Saskatchewan Mutual Fire Insurance Co	
$1,200,982.31
80,069.71
41,849.92
4,260.70
10,504.67
68.70
Nil
56.10
Nil
17,080.81
17,364.32
16,169.97
3,198.32
9,405.36
51.142.87
11,683.46
11,765.62
923.56
6,441.36
21,873.79
89,313.34
1,860.56
4,723.07
2,808.97
11,130.06
1,433.26
14,884.85
1,281.49
65,308.74
156.56
23,564.33
2,062.42
Nil
Nil
299.63
3,027.91
320.37
NU
Nil
14,804.96
12,817.64
38,110.15
46,790.37
229.98
27,091.49
2,277.24
48.605.45
10,030.03
8,690.97
5,381.48
2,534.84
34,276.45
106,550.33
Nil
3,576.01
45,309.10
20,327.49
3,648.99
10,588.80
6,724.48
20,341.29
37,622.10
1,620.97
2,738.58
64,944.89
$521,416.58
38,560.30
20,329.30
5,912.66
Nil
NU
Nil
NU
6,711.95
5,862.57
4,920.96
962.47
7,659.60
18,675.58
2,297.86
4,254.68
692.18
3,348.16
14,118.42
35,697.22
1,141.66
1,561.99
1,283.97
2,679.97
572.48
11,641.42
643.15
21,052.92
NU
5,567.76
898.74
NU
NU
15.22
1,192.83
160.78
Nil
Nil
10,337.77
3,843.81
23,272.30
17,906.65
119.17
15,489.17
1,846.71
19,466.92
3,788.32
1,963.84
3,233.85
651.69
22,675.30
51,542.85
NU
1,874.82
17,596.21
24,537.05
1,431.40
4,005.38
4,734.13
4,710.40
10,585.42
1,118.77
1,145.57
34,089.88
$1,158,851.59
81,113.92
29,557.79
4,307.84
10,693.31
57.20
Nil
64.89
NU
15,947.20
17,067.99
15,779.21
3,110.06
8,644.79
48.330.56
10,708.15
11,657.36
822.06
6,344.43
25,903.41
79,277.49
1,514.96
5,137.71
2,891.73
10,475.94
1,334.41
15,109.07
892.24
56,315.23
148.97
25,655.01
1,935.54
NU
NU
233.62
2,922.02
223.06
NU
Nil
15,569.87
12,704.04
35,376.67
44,518.86
309.05
27,936.64
2,722.73
48,660.04
10,613.04
8,009.26
5,387.24
2,596.15
33,113.02
102,514.36
Nil
3,804.39
43,612.43
29,338.08
3,521.50
8,653.40
7,030.04
19,327.74
36,522.19
1,607.06
2,680.92
70,310.13
Carried forward.
$2,302,651.19 | $1,023,190.64
I
$2,229,467.60
$601,458.83
36,439.91
24,236.33
3,489.88
89.81
Nil
Nil
NU
NU
9,127.95
8,331.57
6,488.96
1,279.47
2,884.60
23,750.58
1,892.86
8,279.68
1,076.18
968.16
7,662.33
40,604.22
1,591.66
1,704.49
10,000.00
2,884.97
884.48
7,522.50
616.58
26,513.62
NU
8,397.76
1,217.44
NU
Nil
— 9.78
1,337.83
154.13
Nil
NU
6,582.77
5,069.31
14,949.80
19,386.65
119.17
16,034.17
1,161.71
26,254.92
5,023.32
2,118.79
3,987.85
483.69
27,295.30
55,242.85
Nil
858.99
27,789.31
29,905.05
1,605.40
5,525.52
3,394.13
7,095.40
14,320.42
1,043.92
6,958.57
40,011.14
$1,163,095.15 I 80
BRITISH COLUMBIA.
TABLE V.—AUTOMOBILE INSURANCE PREMIUMS AND LOSSES FOR 1940
—Continued.
Name of Insurer.
Net
Premiums
written.
Net Losses
paid.
Net
Premiums
earned.
Net LosBes
incurred.
$2,302,651.19
6,736.61
13,328.24
Nil
2,956.11
11,213.05
18,287.40
16,449.37
1,650.83
9,042.74
NU
6,457.77
NU
27,655.22
45,139.07
$1,023,190.64
815.97
13,035.37
NU
$2,229,467.60
6,502.89
12,433.56
Nil
2,724.24
7,807.05
17.494.75
17,752.51
1,617.53
8,951.03
Nil
6,460.03
42.47
27,046.48
45,860.63
$1,163,095.15
975.97
Scottish Union & National Insurance Co . 	
8,969.37
Nil
Southern Insurance Co., Ltd. _ _ 	
.
654.57
5,627.49
6,728.68
6,839.70
245.59
1,854.71
Nil
2,595.59
7.50
8,681.22
30,396.59
25,155.78
979.65
Nil
14,225.29
Nil
5,250.39
706.22
5,395.05
5,124.77
14,868.70
Sun Insurance Office, Ltd. _ _ 	
200.59
2 031.45
NU
Union Assurance Society, Ltd.... 	
3,500.59
7.50
7 312.97
40,361.59
United Pacific Insurance Co     	
37,425.45
1,228.46
NU
36,000.55
Nil
19,836.38
	
38,394.45
1,285.64
Nil
42,975.00
NU
19,808.52
24,881.29
— 1,187.05
Nil
19,676.2S
United States Fire Insurance Co 	
Wellington Fire Insurance Co.  	
NU
8,188 39
Nil
5,589.74
23,143.08
123,404.36
NU
1,191.03
6,491.86
65,224.91
NU
5,667.94
22,253.55
120,892.89
Nil
3 632 53
10,691.86
57.464.91
Zurich General Accident & Liability Insurance Co  	
Totals     	
$2,708,195.62  | $1,219,192.53
$2,635,438.96
$1,375,898.13
* Central Insurance Co., Ltd. (gross) __  	
$2,033.43
9,087.59
48.73
10,166.16
3,655.82
222.55
25,082.75
4,731.50
813.01
.48
$215.50
3,474.95
21.65
8,215.82
542.44
Nil
1,514.92
1,492.56
39.72
4,149.43
Note.—These figures are included in  the foregoing
figures for the insurers whose names are preceded by
the same sign.
Reciprocal Exchanges.
Name of Exchange.
Net Premium
Deposits
written.
Net Losses
paid.
Net Premium
Deposits
earned.
Net Losses
incurred.
$3,085.11
$882.74
$2,638.16
$1,292,74
TABLE VI.—AUTOMOBILE INSURANCE SUMMARY.
(Figures shown in nearest thousand.)
Ratio Losses
Year.
Net Premiums
Net Losses
Net Premiums
Net Losses
incurred to
written.
paid.
earned.
incurred.
Premiums
earned.
1936-.. - -	
$1,824,000
$1,120,000
$1,708,000
$1,251,000
73.51
1937 -  	
2.202.000
1,242,000
2.045,000
1,266,000
61.90
1938	
2,459,000
1,346,000
2,356,000
1,261.000
53.70
1939  -	
2.459,000
1.226.000
2.448.000
1.151,000
47.02
1940    .               	
2.708,000
1.219.000
2,653.000
1.376.000
51.87 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1940. I 81
TABLE VII.—OTHER INSURANCE PREMIUMS AND LOSSES FOR 1940.
(Note.—The figures are for gross premiums written and gross losses paid.)
ACCIDENT AND SICKNESS INSURANCE.
Name of Insurer.
Aetna Life Insurance Co 	
Alliance Assurance Co., Ltd. - 	
Anglo-Scottish Insurance Co., Ltd.-	
Atlas Assurance Co., Ltd  -
British America Assurance Co. 	
British Canadian Insurance Co 	
British Empire Assurance Co.- — —
British Northwestern Fire 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, Ltd..
Casualty Co. of Canada	
Century Insurance Co., Ltd—
Commercial Casualty Insurance Co	
Commercial Union Assurance Co., Ltd..
Confederation Life Association..
Consolidated Fire & Casualty Insurance Co-
Continental Casualty Co.  -  	
Dominion Fire Insurance Co.— —
Dominion of Canada General Insurance Co	
Economical Mutual Fire Insurance Co.. 	
Employers' Liability Assurance Corporation, Ltd..
Federal Fire Insurance Corporation, Ltd.—	
Fidelity & Casualty Co. of New York 	
Fidelity Insurance Co. of Canada  - 	
General Accident Assurance Co. of Canada —
General Accident Fire & Life Assurance Corpn., Ltd.
Globe Indemnity Co. of Canada  —	
Guardian Insurance Co. of Canada 	
Guildhall Insurance Co., Ltd.. —	
Halifax Insurance Co     	
Hartford Accident & Indemnity Co	
Home Assurance Co. of Canada  	
Hudson Bay Insurance Co..
Imperial Guarantee & Accident Insur. Co. of Canada-
Imperial Insurance Office . —     -	
Indemnity Insurance Co. of North America  —
Law, Union & Rock Insurance Co., Ltd.  	
Legal & General Assurance Society, Ltd 	
Liverpool & London & Globe Insurance Co., Ltd.	
London & Lancashire Guar. & Accident Co. of Canada-
London & Provincial Marine & General Insur. Co., Ltd..
London & Scottish Assurance Corporation, Ltd 	
London Assurance  	
Accident Insurance.
Premiums.
London Guarantee & Accident Co., Ltd..
London Life Insurance Co  	
Loyal Protective Life Insurance Co..	
Lumbermen's Mutual Casualty Co. 	
Maryland Casualty Co...  	
Metropolitan Casualty Insurance Co..	
Metropolitan Life Insurance Co...	
Motor Union Insurance Co., Ltd	
Mutual Benefit Health & Accident Association -
Mutual Life Assurance Co. of Canada	
North British & Mercantile Insurance Co., Ltd..
Carried forward 	
•$3,566.28
15.65
5.00
3,451.10
1,913.86
4,521.53
2,980.24
7,877.39
353.51
689.74
*4,623.29
1,850.81
130.18
2,690.83
•878.71
601.94
40,047.34
4,972.07
*4,059.36
90.00
28,314.33
216.95
23,832.19
•376.50
•9,115.23
4,026.52
171.74
754.15
4,942.88
•2,211.29
1,787.03
3,487.42
1,053.93
25.23
720.49
412.96
•31,388.05
2,321.33
544.75
1,097.43
1,446.03
863.82
1,801.61
4,987.02
1,113,90
•160.80
10.00
25.00
3,148.81
•1,716.96
•35,428.31
•22,301.44
53.39
219.82
436.67
6,927.46
•11,723.00
525.08
•110,954.15
4,069.45
Losses.
$1,854.12
57.00
1,219.92
555.79
2,026.00
378.43
4,585.16
314.86
215.37
3,053.78
655.68
47.22
2,101.33
26.50
15,160.75
4,054.57
2,922.40
16,442.06
9,925.80
4,685.97
814.05
677.50
1,068.09
446.56
283.16
769.71
91.01
382.57
2.31
15,535.20
350.64
110.35
40.50
545.32
533.58
461.42
1,022.99
499.77
30.50
Sickness Insurance.
1,161.27
654.60
18,883.34
6,911.01
1,403.00
7,506.00
47.22
79,990.10
1,792.24
$1,630.75
1,344.75
1,947.43
971.59
2,952.26
127.47
491.44
1,243.07
32,191.09
2,216.68
27,826.16
12,036.31
1,395.60
128.71
3,024.49
1,202.10
2,321.30
314.02
45.37
522.82
749.86
108.71
17.25
369.42
555.53
944.32
1,711.81
1,421.8
35.88
37.95
1,005.66
$450.18
504.76
451.88
458.62
644.86
371.85
101.58
715.22
22,046.39
545.55
9,412.76
7,890.09
635.64
130.00
2,178.27
1,135.08
1,124.05
382.57
849.17
65.03
870.76
396.14
962.50
1,559.61
1,962.00
3.133.85  | 2,523.15
$410,031.95 |    $212,296.72
$104,025.54 |      $58,367.71
* Accident and sickness.
6 I 82
BRITISH COLUMBIA.
TABLE VII.—OTHER INSURANCE PREMIUMS AND LOSSES FOR 1940—Continued.
ACCIDENT AND SICKNESS INSURANCE—Continued.
Accident Insurance.
Sickness Insurance.
Name of Insurer.
Premiums.
Losses.
Premiums.
Losses.
$410,031.95
328.06
2,164.32
193.22
•1,666.75
8,416.42
1,440.85
944.40
•23,410.25
—483.11
$212,296.72
129.28
359.86
160.00
517.14
1,887.72
279.29
414.08
14,813.43
49.50
$104,025.54
15.80
213.65
79.10
$58,367.71
362.84
1,464.01
1,130.85
591.64
410.16
155.54
674.45
3,237.37
675.21
3,617.03
325.35
7,038.19
255.77
804.63
1,458.33
1,103.62
2,166.00
987.14
4,955.97
•3,784.65
40,520.66
545.65
9,984.18
353.45
713.93
68.93
4,688.34
146.95
f        2,787.55
(      *5,335.87
2,531.10
2,172.26
10,271.82
16,518.80
418.16
3,893.45
20.00
50.00
1,049.45
369.68
56,425.35
96.63
7,230.97
54.70
142.70
36,166.56
448.91
8,839.37
880.38
2,782.25
47.50
1,944.24
2,148.71
2,118.57
1,246.74
Yorkshire Insurance Co.. Ltd    ,	
6,823.64
3,590.56
Totals          	
$532,385.30
$278,744.50
$184,822.80
$114,396.09
* Accident and sickness.
EMPLOYERS' LIABILITY AND PLATE-GLASS INSURANCE.
Employers' Liability
Insurance.
Plate-glass Insurance.
Premiums.
Losses.
Premiums.
Losses.
Anglo-Scottish Insurance Co., Ltd..  	
$100.00
21.25
269.45
$23.85
British America Assurance Co —	
British Columbia Plate Glass Insurance Co '	
British Empire Assurance Co  -	
$617.62
766.27
20,093.10
48.82
776.89
1,246.55
252.50
497.36
1,696.13
2,936.36
727.08
496.40
2,283.54
471.75
2.00
354.45
328.68
149.86
$340.01
500.08
9,939.28
25.00
35.10
46.30
49.75
37.50
229.05
485.26
17.50
1,333.78
1,004.52
90.66
97.28
915.65
2,944.65
82.44
454.47
1,179.05
836.47
426.25
40.00
121.80
217.85
164.79
3.61
217.71
172.53
47.15
$4,947.67
$2,457.15
$33,745.36
$15,065.22 REPORT OF THE  SUPERINTENDENT OF INSURANCE, 1940.
I 83
TABLE VII—OTHER INSURANCE PREMIUMS AND LOSSES FOR 1940—Continued.
EMPLOYERS' LIABILITY AND PLATE-GLASS INSURANCE—Continued.
Name of Insurer.
Employers' Liability
Insurance.
Plate-glass Insurance.
Premiums.
Losses.
Premiums.
Losses.
$4,947.67
25.00
$2,457.15
5.00
$33,745.36
1,917.66
328.16
366.61
$15,065.22
1,186.25
45 77
610.01
18.25
147 08
Federal Fire Insurance Co  	
Fidelity & Casualty Co. of New York ...	
11.18
571.47
1,800.77
426.62
1,178.18
449.32
68.35
1,058.43
444.97
253 88
2,953.05
150.74
181.21
122.13
1,752.96
280.12
224 12
7.00
519.81
127.60
436.14
747.71
143.75
78.70
300.25
56.78
1,216.42
1,450.53
140.31
162.36
115.95
1,332.14
559.12
532.05
487.50
318.53
1,319.51
51.99
161.32
540.75
397.61
133.03
2.00
50.37
235.44
1.40
71.30
64.38
1,236.94
11.64
120.92
840.93
11.36
7.20
147.91
London & Lancashire Guar. & Accident Co. of Canada	
201.99
169.53
203 33
63.86
284.95 1                84.30
342.95
1,321.12
15.95
1,743.42
583.09
206.69
61.34
126.98
 	
258.53
3.00
245.21
305.97
50.20
830.08
167.72
1,522.98
1,223.08
496.05
563.81
297.65
Ocean Accident & Guarantee Corporation, Ltd	
67.86
1,163.17
129.82
85.71
23.40
251.30
9.62
Royal Exchange Assurance. 	
924.53
161.16
41.21
204.67
285.77
274.00
Scottish Metropolitan Assurance Co., Ltd 	
71.47
Travelers Insurance Co.-  	
65.63
45.04
1,935.41
58.74
528.34
51.37
153.39
9.66
206.34
91.03
59.63
375.08
644.28
34.22
105.00
Union Marine and General Insurance Co., Ltd	
119.72
186.71
127.63
World Marine & General Insurance Co., Ltd	
15.75
226.53
344.79
116.63
Zurich General Accident & Liability Assurance Co., Ltd.. _
Totals..    	
$14,283.90
$4,893.46
$64,487.88
$26,813.27 I 84
BRITISH COLUMBIA.
TABLE VII.—OTHER INSURANCE PREMIUMS AND LOSSES FOR 1940—Continued.
GUARANTEE AND THEFT INSURANCE.
Name of Insurer.
Guarantee Insurance.
Premiums.
Losses.
Theft Insurance.
Premiums.
Losses.
Aetna Casualty & Surety Co....	
Alliance Assurance Co., Ltd 	
Anglo-Scottish Insurance Co., Ltd..
Arex Indemnity Company 	
Atlas Assurance Co., Ltd 	
British America Assurance Co —
British Canadian Insurance Co	
British Empire Assurance Co-
British Northwestern Fire 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. —	
Casualty Co. of Canada 	
Century Insurance Co., Ltd	
Commercial Casualty Insurance Co—
Commercial Union Assurance Co., Ltd —
Consolidated Fire & Casualty Insurance Co-
Continental Casualty Co-
Dominion of Canada General Insurance Co..	
Employers' Liability Assurance Corporation, Ltd-
Federal Fire Insurance Co 	
Fidelity & Casualty Co. of New York-
Fidelity Insurance Co. of Canada-
General Accident Assurance Co. of Canada..
General Accident Fire & Life Assurance Corpn.,
General Casualty Co. of America  -
Globe Indemnity Co. of Canada  - -
Great American Indemnity Co —
Guarantee Co. of North America  	
Guardian Insurance Co. of Canada  —
Guildhall Insurance Co., Ltd..   ~	
Halifax Insurance Co     	
Hartford Accident & Indemnity Co 	
Hudson Bay Insurance Co..
Ltd..
Imperial Guarantee & Accident Insur. Co. of Canada-
Imperial Insurance Office .
Indemnity Insurance Co. of North America-
Law, Union & Rock Insurance Co., Ltd	
Legal & General Assurance Society, Ltd-
Liverpool & London & Globe Insurance Co 	
London & Lancashire Guar. & Accident Co. of Canada	
London & Provincial Marine and General Insur. Co., Ltd. .
London & Scottish Assurance Corporation, Ltd 	
London Assurance   	
London Guarantee & Accident Co., Ltd.-
Lumbermen's Mutual Casualty Co 	
Maryland Casualty Co-
Metropolitan Casualty Insurance Co..	
North British & Mercantile Insurance Co.,
Northern Assurance Co., Ltd	
Northwest Casualty Co..
Ltd-
Norwich Union Fire Insurance Society, Ltd—
Occidental Fire Insurance Co-
Ocean Accident & Guarantee Corporation, Ltd..
Pearl Assurance Co., Ltd -
Phoenix Assurance Co., Ltd  	
Prudential Assurance Co., Ltd- 	
Queensland Insurance Co., Ltd .	
Railway Passengers Assurance Co	
Reliance Insurance Co. of Canada	
Royal Exchange Assurance   —
Royal Insurance Co., Ltd..
Royal Plate Glass & General Insurance Co. of Canada..
Scottish Metropolitan Assurance Co., Ltd 	
South British Insurance Co., Ltd  	
Sun Insurance Office, Ltd 	
Carried forward-.
$20.00
818.38
273.21
37.50
1,354.95
113.50
1,670.24
19,088.50
18,591.62
25,584.35
185.31
886.75
9,054.40
2,419.65
4,066.29
3,762.61
3,274.34
1,828.02
— 6.75
1,555.30
5,642.00
407.96
75.00
80.84
2,231.69
185.00
5.00
175.00
591.14
2,128.15
1,451.15
156.33
40.00
237.48
370.00
1,070.61
862.72
651.85
252.52
25.00
277.85
2,535.10
3,354.40
7,040.75
10.00
$1,750.50
288.67
— 119.28
2,933.20
2,173.!
6.70
-2,485.02
69.81
— 67.13
1,039.12
1,039.12
70.00
118.58
— 72.85
297.99
$40.00
705.14
1,083.56
949.59
1,075.48
918.30
2,220.37
571.78  |
579.14
19,235.55
11,072.40
4,961.63
1,139.35
1,022.31
9,275.67
276.80
362.10
4,074.15
3,830.32
— 19.40
2,442.93
7,280.91
1,274.89
4,915.92
4,309.32
3,395.83
2,822.13
1,487.72
482.42
783.36
168.74
1,007.74
501.40
1,091.03
2,281.04
5,921.54
566.35
238.90
1,372.91
.50
1,574.60
1,099.85
1,494.91
786.29
2,230.27
510.68
2,189.60
734.76
735.57
1,017.12
654.63
517.80
569.96
1,251.39
5,546.13
135.30
1,891.83
$124,435.71
$7,964.80
$64.15
159.9S
46.00
244.28
1,028.70
207.05
4,513.31
3,005.88
1,208.80
397.19
719.19
2.862.18
9.50
417.70
2,515.68
2,358.24
770.44
2,968.30
688.44
950.94
3,410.36
795.89
400.92
151.50
721.75
40.30
39.51
1,071.57
2,708.48
1,538.07
38.18
516.98
820.16
1,030.99
135.10
815.89
584.48
1,180.53
30.00
513.44
154.00
256.90
29.75
37.50
779.03
720.86
5,256.35
234.30
5128,610.51   !       $49,148.74 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1940.
I 85
TABLE VII.—OTHER INSURANCE PREMIUMS AND LOSSES FOR 1940—Continued.
GUARANTEE AND THEFT INSUEANCE—Continued.
Guarantee Insurance.
Theft Insurance.
Premiums.
Losses.
Premiums.
Losses.
$124,435.71
8,168.41
$7,964.80
333.08
$128,610.51
1,481.47
4,602.46
703.28
4,107.46
105.97
2,412.44
838.27
1,167.32
984.98
2,502.06
3,015.13
$49,148.74
1,394.30
4,151.92
1,040.52
346.00
203.43
6,476.56
5.00
8,335.93
22.65
1,293.91
711.55
806.13
1,619.36
65.00
1,285.59
167.85
683.36
616.63
Zurich General Accident & Liability Insurance Co., Ltd	
1,165.15
Totals -	
$142,600.06
$9,596.79
$150,531.30
$68,234.73
INLAND-TRANSPORTATION AND MARINE INSURANCE.
Inland-transportation
Insurance.
Marine Insurance.
Premiums.
Losses.
Premiums.
Losses.
$22.10
41,493.35
183.67
535.00
17.76
2,447.04
173.52
413.09
$6.95
12,372.53
2.72
$19,237.48
4,222.49
8,610.03
4,460.01
$28,621.24
347.75
1,280.33
.40
1,933.69
56,862.04
5,793.36
965.50
101,411.20
18,568.01
7,072.68
277.21
1,434.71
4.66
122.98
222.06
49,148.67
8,786.42
14,238.95
72.57
37.45
33,257.00
15,114.80
9.00
1,464.29
48.82
250.04
105.90
294.35
94.55
125.05
112.48
96.43
7.37
5.93
170.34
1,340.56
9.24
27.61
2,036.17
955.08
2.32
3,257.01
136.61
498.00
1.66
720.20
7,534.50
2,141.74
62.50
1,900.83
42,036.30
3,982.98
6,480.68
$50,679.89
$16,042.21
$311,567.86
$137,390.00 I 86
BRITISH COLUMBIA.
TABLE VII.—OTHER INSURANCE PREMIUMS AND LOSSES FOR 1940—Continued.
INLAND-TRANSPORTATION AND MARINE INSURANCE—Continued.
Inland-transportation
Insurance.
Marine Insurance.
Premiums.
Losses.
Premiums.
Losses.
$50,679.89
165.32
3,642.93
2,402.38
-1,136.33
63.04
$16,042.21
.33
63.56
$311,567.86
$137,390.00
Equitable Fire & Marine Insurance Co  	
13.46
94,570.49
81.70
5.36
34.11
15,876.93
Franklin Fire Insurance Co. of Philadelphia	
23,587.78
16,206.22
201.57
134.00
668.95
33.26
38.58
82.88
696.30
203.80
326.31
192.65
6.83
14.45
4.01
36.45
General Accident Fire & Life Assurance Corpn., Ltd.—	
719.88
Great American Insurance Co...   _.	
84.12
1,814.38
488.80
5,154.40
53,428.21
19,820.44
283.03
67.89
210.00
501.68
69,176.79
183.50
60,567.32
730.39
35,862.44
185.80
193.96
188.80
1,529.76
96,948.89
109,258.41
24,768.78
19,870.46
192.13
10,199.14
4,520.79
421.48
63.60
146.05
3,137.81
236.68
50.04
722.87
115,448.18
64,426.73
23.15
1,087.07
1,073.08
17,233.10
    	
514.63
6,320.19
30.00
290.11
6,376.84
203.43
42.80
1,456.44
	
3,826.63
14.84
675.30
53,013.94
28,312.96
123.63
33.00
77,631.20
25,957.04
14.73
96.20
39.50
4.63
7.50
1,956.88
757.83
Northwestern National Insurance Co 	
115.26
2,047.26
66.55
325.50
171.99
355.00
26,921.12
7,381.66
47.10
2,036.17
955.08
Phoenix Assurance Co., Ltd—  .  	
294.62
425.25
94.28
4.74
12,056.37
8,927.21
— 74.35
41,985.57
716.57
14.75
— 4,747.14
99.00
6,328.53
3.13
1,303.55
17,085.54
Prudential Assurance Co., Ltd. —   -
30,386.80
107,528.30
29,271.94
1,584.60
6,270.82
$117,538.44
1
$26,114.03
$1,252,679.40
$496,268.46 REPORT OF THE  SUPERINTENDENT OF INSURANCE, 1940.
I 87
TABLE VII.—OTHER INSURANCE PREMIUMS AND LOSSES FOR 1940—Continued.
INLAND-TRANSPORTATION AND MARINE INSURANCE—Continued.
Inland-transportation
Insurance.
Marine Insurance.
Premiums.
Losses.
Premiums.
Losses.
$117,538.44
35.60
1,365.71
16,983.08
$26,114.03
$1,252,679.40
346.16
$496,268.46
152.56
2,760.43
37,916.17
32,696.99
Scottish Metropolitan Assurance Co., Ltd.. ~	
15,508.02
10,440.91
213.55
30.10
1,204.16
10.70
428.02
50,011.95
12,118.42
24,241.75
11,843.21
25,579.14
129.91
55.15
1,963.06
6,366.45
298.43
—2.60
1,231.61
18.00
2,478.69
206.00
585.02
135.24
64.25
2,786.12
	
6,915.57
Union Insurance Society of Canton, Ltd.— _	
Union Marine & General Insurance Co., Ltd	
597.37
15.49
137.97
159,428.18
30,398.07
10,926.32
45,570.74
186,291.99
31,779.94
4,842.87
41,091.71
65.00
641.36
2,931.70
9.00
924.23
370.46
42,091.18
30,694.61
16.23
4,479.78
20,596.74
18,877.98
12,203.29
1,754.25
9,148.01
Totals                            —           	
$146,962.66
$34,552.02
$1,748,866.93
$836,220.62
PROPERTY-DAMAGE AND PUBLIC-LIABILITY INSURANCE.
Name of Insurer.
Property-damage
Insurance.
(Includes Personal Property
Floater Insurance.'
Public-liability
Insurance.
Premiums.
Losses.
Premiums.
Losses.
$702.82
72,069.02
549.64
73.58
122.05
100.08
— 585.55
$589.19
29,964.01
105.82
41.13
—97.42
$6,796.00
312.14
$116.93
45.10
2,026.42
2,051.80
189.30
5,942.46
732.98
89.15
1,109.82
1,522.80
313.06
335.02
5,023.80
2,539.21
790.18
38.75
374.70
Automobile Insurance Co. of Hartford	
1,866.69
574.46
1,480.57
29.66
British Canadian Insurance Co 	
7,325.18
British Crown Assurance Co., Ltd	
22.50
129.32
32.50
78.22
389.20
British Northwestern Fire Ins. Co	
Caledonian Insurance Co           	
Camden Fire Insurance Association     	
3,948.55
668.11
12.00
670 52
398.37
47.35
8,108.24
$95,687.64
$33,591.13
$14,181.03
$16,295.63 BRITISH  COLUMBIA.
TABLE VII.—OTHER INSURANCE PREMIUMS AND LOSSES FOR 1940—Continued.
PROPERTY-DAMAGE AND PUBLIC-LIABILITY INSURANCE—Continued.
Name of Insurer.
Brought forward.-
Canadian General Insurance Co -
Canadian Indemnity Insurance Co	
Canadian Surety Co.   	
Car & General Insurance Corporation, Ltd-
Casualty Company of Canada .— 	
Central Union Insurance Co...	
Century Insurance Co., Ltd  	
Columbia Insurance Co   	
Commercial Casualty Insurance Co 	
Commercial Union Assurance Co., Ltd	
Connecticut Fire Insurance Co  	
Consolidated Fire & Casualty Insurance Co-
Continental Casualty Co  —	
Continental Insurance Co —	
Dominion of Canada General Insurance Co-
Eagle Fire Co. of New York  	
Eagle Star Insurance Co., Ltd. 	
Employers' Liability Association Corporation, Ltd-
Equitable Fire & Marine Insurance Co 	
Fidelity Insurance Co. of Canada  	
Fidelity Phenix Fire Insurance Co  	
Fire Association of Philadelphia 	
Firemen's Fund Insurance Co. -   	
First American Fire Insurance Co  —
General Accident Assurance Co. of Canada.  	
General Accident Fire & Life Assurance Corporation, Ltd.
General Casualty Co. of America   	
Genera! Insurance Co. of America 	
Glens Falls Insurance Co  —   	
Globe Indemnity Co. of Canada    - :	
Gore District Mutual Fire Insurance Co. 	
Great American Insurance Co   .  	
Guardian Assurance Co., Ltd.  	
Guardian Insurance Co. of Canada   	
Guildhall Insurance Co., Ltd.— — 	
Halifax Insurance Co       	
Hanover Fire Insurance Co  	
Hardware Dealers Mutual Fire Insurance Co.
Hardware Mutual Fire Insurance Co 	
Hartford Accident & Indemnity Co.... 	
Hartford Fire Insurance Co   	
Home Insurance Co. of New York—  	
Hudson Bay Insurance Co     	
Imperial Assurance Co. ...     	
Imperial Guarantee & Accident Insurance Co. of Canada-
Imperial Insurance Office-
Indemnity Insurance Co. of North America-
Indemnity Marine Assurance Co., Ltd 	
Insurance Company of North America —	
Law, Union & Rock Insurance Co., Ltd	
Legal & General Assurance Society, Ltd..
, Ltd.
Liverpool & London & Globe Insurance Co.,
Liverpool-Manitoba Assurance Co. 	
London & Lancashire Guar. & Accident Co. of Canada-
London & Lancashire Insurance Co., Ltd	
London & Provincial Marine & General Ins. Co., Ltd	
London & Scottish Assurance Corporation, Ltd _	
London Assurance    	
London Guarantee & Accident Co., Ltd 	
Lumbermens Insurance Co  	
Lumbermen's Mutual Casualty Co  	
Marine Insurance Co., Ltd  _ 	
Maryland Casualty Co.   	
Maryland Insurance Co    	
Metropolitan Casualty Insurance Co  	
Property-damage
Insurance.
(Includes Personal Property
Floater Insurance.)
Premiums.
Carried forward-
$95,687.64
11,058.69
4,185.12
2,905.84
76.11
275.43
189.41
408.06
3,669.38
8,586.86
2,138.32
8,609.94
5.97
802.10
3,395.34
2,708.17
154.37
9,752.22
— 352.01
124,482.21
34.76
4,767.18
1,248.39
9,551.78
17.74
797.47
536.98
1,059.69
2,769.97
1,087.29
40.34
10,449.24
128.21
1,266.66
1,111.25
61.84
532.85
211.33
1,377.14
1,241.37
342.46
2,645.83
5,784.30
10.00
15,843.80
347.02
153.70
1,284.16
3,844.34
2,148.14
4.00
Losses.
public-liability
Insurance.
Premiums.
$33,591.13
4,746.43
687.11
877.41
63.71
98.36
471.82
100.89
11,347.49
1,904.96
886.85
11.00
6.00
87.60
985.49
2,754.54
—97.64
152,369.23
989.40
162.59
1,774.20
131.87
411.25
756.22
4,134.94
27.50
318.58
1,158.23
665.21
1,345.34
1,447.00
1,206.16
$225,483.87
$14,181.03
26,104.86
28,220.26
3,542.06
43.25
9,844.54
855.50
79.72
1,486.81
3,235.69
12,951.59
1,498.98
19,816.85
2,554.24
7,638.90
3,902.86
2,477.40
1,281.83
140.80
228.61
5.00
399.03
1,444.32
2,692.00
2,076.47
5,294.99
20.00
730.52
1,099.76
188.27
176.33
1,496.24
Losses.
$16,295.63
3,145.26
13,546.11
804.95
794.78
310.62
1,169.31
1,066.37
858.76
20,022.83
579.33
3,866.75
25.03
2,100.40
311.25
37.60
50.75
11.78
1,300.55
$167,737.62
$69,750.48 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1940.
I 89
TABLE VII.—OTHER INSURANCE PREMIUMS AND LOSSES FOR 1940—Continued.
PROPERTY-DAMAGE AND PUBLIC-LIABILITY INSURANCE—Continued.
Name of Insurer.
Brought forward -
Michigan Fire & Marine Insurance Co	
Milwaukee Mechanics Insurance Co -
Minnesota Implement Mutual Insurance Co-
Motor Union Insurance Co., Ltd — 	
National Union Fire Insurance Co.—	
New York Underwriters Insurance Co	
Niagara Fire Insurance Co.
Property-damage
Insurance.
(Includes Personal Property
Floater Insurance.)
Premiums.
North British & Mercantile Insurance Co., Ltd-
North Empire Fire Insurance Co -	
Northern Assurance Co., Ltd.  	
Northwestern Mutual Fire Association-
Norwich Union Fire Insurance Society, Ltd—
Occidental Fire Insurance Co-
Ocean Accident & Guarantee Corporation, Ltd-
Ohio Farmers Insurance Co—	
Pacific Coast Fire Insurance Co  _	
Patriotic Assurance Co., Ltd   	
Pearl Assurance Co., Ltd._
Philadelphia Fire & Marine Insurance Co-
Phoenix Assurance Co., Ltd  -	
Phoenix Insurance Co. of Hartford .
Providence Washington Insurance Co-
Prudential Assurance Co., Ltd	
Quebec Fire Assurance Co 	
Queensland Insurance Co., Ltd 	
Railway Passengers Assurance Co	
Reliance Insurance Co. of Canada	
Royal Exchange Assurance —	
Royal Insurance Co., Ltd 	
St. Paul Fire & Marine Insurance Co-
Scottish Metropolitan Assurance Co., Ltd-
Scottish Union & National Insurance Co.—
Sea Insurance Co., Ltd	
Security Insurance Co. of New Haven.—
Security National Insurance Co	
Sentinel Fire Insurance Co  —
South British Insurance Co., Ltd-
Springfield Fire & Marine Insurance Co-
Sun Insurance Office, Ltd —	
Tokio Marine & Fire Insurance Co., Ltd—
Toronto General Insurance Co 	
Travelers Fire Insurance Co 	
Travelers Indemnity Company -	
Travelers Insurance Company.. —	
Union Assurance Society, Ltd-
Union Insurance Society of Canton, Ltd 	
Union Marine & General Insurance Co., Ltd	
United Firemen's Insurance Co. of Philadelphia-
United States Fidelity & Guaranty Co	
United States Fire Insurance Co	
Wawanesa Mutual Insurance Co -	
Westchester Fire Insurance Co.— —
Western Assurance Co     	
World Fire & Marine Insurance Co- -	
World Marine & General Insurance Co., Ltd-	
Yorkshire Insurance Co., Ltd.	
Zurich General Accident & Liability Insurance Co., Ltd-
Totals  _....
$349,438.40
160.05
19,148.25
140.19
2,262.59
45.33
291.01
3,268.54
378.83
1,116.72
6,751.59
3,032.79
4,091.96
4,230.63
2,066.18
3,757.74
612.91
9,582.33
14,680.57
161.96
— 746.95
25.00
362.71
.60
3,246.36
7,797.83
189.19
2,003.81
2,604.87
292.72
60.51
810.55
5,123.28
3,302.45
827.50
1,874.21
15,628.89
1,854.39
10,106.04
2,549.16
23.88
219.88
3,215.02
609.61
1,377.14
6,536.75
-3.41
502.45
4,441.55
Losses.
Public-liability
Insurance.
$225,483.87
4,309.04
267.64
271.49
242.20
196.70
76.05
779.08
439.54
698.53
478.55
96.23
720.15
11,889.71
25.00
536.58
59.50
965.18
1,318.66
598.28
195.64
5,256.90
748.62
212.77
3,378.47
2,908.66
328.81
704.92
749.03
26.80
318.58
147.19
318.58
1,276.02
5.00
240.73
Premiums.
$500,054.56  !    $271,257.56
$167,737.62 $69,750.48
845.18
2,572.08
153.81
5,610.83
1,654.11
1,088.62
846.90
339.74
576.19
1,798.77
5,996.86
169.73
61.10
533.21
4,312.90
308.25
1,391.23
203.57
14,827.64
—108.13
4,396.87
934.85
442.42
1,958.91
2,799.39
$222,104.38
976.84
196.41
1,154.80
29.18
783.50
109.75
35.00
115.00
14.75
316.24
51.50
222.96
1,661.11
163.17
3,136.81
353.85
3,376.00
242.56
68.71
36.00
1,100.95
$83,895.57 I 90
BRITISH COLUMBIA.
TABLE VII.—OTHER INSURANCE PREMIUMS AND LOSSES FOR 1940—Continued.
WEATHER AND MISCELLANEOUS INSURANCE.
Name of Insurer.
Weather Insurance.
Losses.
Miscellaneous.
Insurance.
A,—Aircraft.
B.—Boiler and Machinery.
C—Credit.
H-—Hail.
L.S.—Live Stock.
S.L.—Sprinklers-leakage.
W.C.—Workmen's
Compensation.
Premiums.
Losses.
Acadia Fire Insurance Co..
Aetna Insurance Co._
Alliance Insurance Co. of Philadelphia-
American Alliance Insurance Co.,. 	
American Credit Indemnity Co. __	
American Insurance Co 	
Automobile Insurance Co. of Hartford-
Boiler Inspection & Insurance Co. of Canada-
British America Assurance Co „ -	
British Empire Assurance Co  „. __.
British Traders Insurance Co., Ltd.— 	
Canada Accident & Fire Assurance Co 	
Canada Security Assurance Co.  ,
Canadian Fire Insurance Co -_„ _	
Canadian General Insurance Co.	
City of New York Insurance Co-
Columbia Insurance Co. of New York-
Commercial Casualty Insurance Co	
Continental Insurance Co 	
Employers' Liability Assurance Corporation, Ltd..
Fidelity and Casualty Co. of N.Y	
Fidelity-Phenix Fire Insurance Co 	
Franklin Fire Insurance Co. of Philadelphia..
General Accident Assurance Co. of Canada	
General Insurance Co. of America _	
Globe Indemnity Co. of Canada __	
Great American Indemnity Co—
Great American Insurance Co.„.
Guardian Insurance Co. of Canada-
Halifax Insurance Company—	
Hartford Accident & Indemnity	
Hartford Fire Insurance Co-
Hartford Steam Boiler Inspection & Insurance Co..
Home Insurance Co. of New York 	
Hudson Bay Insurance Co  _	
Imperial Assurance Co—   _ _
Indemnity Insurance Co. of North America 	
Insurance Co. of North America-
Law, Union & Rock Insurance Co. _
Liverpool & London & Globe Insurance Co., Ltd—
London & Lancashire Insurance Co., Ltd..
London Guarantee Accident Co., Ltd 	
Maryland Casualty Co.. 	
Mercury Insurance Co   __.
Michigan Fire & Marine Insurance Co._
National Union Fire Insurance Co	
New England Fire Insurance Co. —
Niagara Fire Insurance Co  	
North Empire Fire Insurance Co. 	
Northern Assurance Co., Ltd  	
Carried forward   	
$2.70'
88.06
20.40
— 3.15
.43
31.68
— 1.27
.90
39.37
2.74
75.37
509.63
204.00
302.60
1.80
12.00
1.80
21.12
5.77
1.80
S.L.
A.
H.
S.L.
H.
$17.07
56.59
2,195.67
77.92
380.00
c.
720.00
A.
B.
A.
56.59
974.04
47.60
S.L.
B.
4.10
946.88
S.L.
2.18
S.L.
W.C.
S.L.
5.69
456.53
22.50
$2,834.54
I A.
.B.
S.L.
S.L.
B.
31.45
120.44
1.30
21,348.92
|B.
I W.C.
A.
$1,317.75
$2,834.54
B.
B.
A.
W.C.
A.
S.L.
B.
S.L.
B.
S.L.
L.S.
A.
S.L.
H.
S.L.
B.
W.C.
S.L.
A.
S.L.
A.
S.L.
W.C.
26.49
12.83
2,210.64
228.95
19,038.30
369.26
623.89
56.58
68.17
2,041.79
141.07
54.50
11.38
1,402.28
56.59
284.34
2,098.00
35.16
2.94
1.43
7.00
1,235.30
11.38
553.22
353.60
-39.12
H.
A.
H.
S.L.
S.L.
146.17
56.58
36.54
12.15
13.56
36.53
9,464.25
4,836.17
150.00
1,298.87
376.30
39.25
76.66
19.16
$58,617.32  |  $17,215.07 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1940.
I 91
TABLE VII.—OTHER INSURANCE PREMIUMS AND LOSSES FOR 1940—Continued.
WEATHER AND MISCELLANEOUS INSURANCE—Continued.
Name of Insurer.
Weather Insurance.
Premiums.
Brought forward-
North-western Mutual Fire Association—	
Norwich Union Fire Insurance Society, Ltd-
Ocean Accident & Guarantee Corporation	
Phoenix Assurance Co., Ltd  	
Phoenix Insurance Co. of Hartford-
Prudential Assurance Co., Ltd	
Royal Insurance Co., Ltd  -
St. Paul Fire & Marine Insurance Co-
Sentinel Fire Insurance Co 	
South British Insurance Co., Ltd..
Springfield Fire & Marine Insurance Co-
Travelers Fire Insurance Co-
Travelers Indemnity Co	
Union Insurance Society of Canton, Ltd...
Union Marine & General Insurance Co., Ltd—	
United Firemen's Insurance Co. of Philadelphia-
United States Fidelity & Guaranty Co	
United States Fire Insurance Co _	
Wawanesa Mutual Insurance Co....	
Western Assurance Co.. —	
World Fire & Marine Insurance Co-
Yorkshire Insurance Co., Ltd	
Totals..
$1,317.75
12.46
1,045.00
68.33
5.28
213.40
1.22
1.80
.90
-2.80
2.40
Losses.
Miscellaneous.
Insurance.
A.—Aircraft.
B.—Boiler and Machinery.
C—Credit.
H.—Hail.
L.S.—Live Stock.
S.L.—Sprinkler-leakage.
W.C—Workmen's
Compensation.
Premiums.
$2,834.54
$2,665.74
$2,834.54
$58,617.32
S.L. 63.16
B.
(A.
(S.L.
A.
S.L.
IB.
(W.C.
A.
H.
S.L.
it
A.
It.
S.L.
S.L.
S.L.
A.
A.
918.44
9,331.26
225.20
56.59
2.20
54.50
26.40
56.59
36.54
7.50
23.58
3,014.67
56.59
369.26
363.67
15.88
11.38
5.69
369.30
24.25
:a.
IB.
47.60
130.54
L.S.
162.50
$17,215.07
44,850.94
17.69
1,499.41
$73,990.61
$63,583.11
TABLE VIII.—OTHER INSURANCE   (TABLE VII.)  SUMMARY.
(Figures shown in nearest thousand.)
Class of Insurance.
1936.
Accident, P 	
L	
Guarantee, P —	
L 	
Inland-transportation, P—
L...
Marine, P..   	
L   	
Property-damage, P.—	
L	
Public-liability, P	
L -	
Sickness, P	
L 	
Theft, P  - _
„  L ....
Other forms, P— 	
L 	
Total, P-
,,  L-
$474,000
228,000
131,000
32,000
116,000
67,000
978,000
710,000
16,000
2,000
175,000
43,000
165,000
98,000
197,000
76,000
142,000
52,000
$2,394,000
1,308,000
$569,000
297,000
151,000
9,000
127,000
26,000
1,263,000
571,000
80,000
9,000
190,000
57,000
153,000
102,000
191,000
64,000
139,000
55,000
$2,863,000
1,191,000
$577,000
800,000
114,000
37,000
119,000
32,000
1,182,000
623,000
203,000
72,000
212,000
71,000
170,000
85,000
189,000
81,000
126,000
64,000
$2,894,000
1,365,000
$551,000
277,000
116,000
— 1,563
137,000
38,000
1,464,000
653,000
304,000
104,000
218,000
69,000
172,000
80,000
193,000
90,000
148,000
58,000
$3,303,000
1.367,000
$532,000
279,000
143,000
10,000
146,000
35,000
1,749,000
836,000
500,000
271,000
222,000
84,000
185,000
114,000
151,000
68,000
155,000
98,000
$3,783,000
$1,795,000
Note.—" P " refers to premiums and " L " to losses. I 92
BRITISH COLUMBIA.
TABLE IX.—INVESTMENTS IN BRITISH COLUMBIA OF INSURERS OTHER THAN
INSURERS TRANSACTING LIFE INSURANCE.
(For Investments of Insurers transacting Life Insurance, see pages 72 and 73.)
Name of Insurer.
Mortgages.
In other
Securities.
American Credit Indemnity Co	
Anglo-Scottish Insurance Co., Ltd-
Baloise Fire Insurance Co., Ltd „
Beaver Fire Insurance Co... _	
Boiler Inspection & Insurance Co-
British America Assurance Co—	
British Columbia Plate Glass Insurance Co	
British Crown Assurance Corporation, Ltd—
British Northwestern Fire Insurance Co—	
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— — 	
Casualty Co. of Canada -	
Central Union Insurance Co...	
Century Insurance Co., Ltd  —	
Commercial Casualty Insurance Co - —
Consolidated Fire & Casualty Insurance Co....
Dominion Fire Insurance Co—   	
Dominion of Canada General Insurance Co-
Ensign Insurance Co-
General Accident Assurance Co. of Canada 	
General Accident Fire & Life Assurance Corporation, Ltd-
Globe Indemnity Co. of Canada.     ~
Gore District Mutual Fire Insurance Co 	
Guarantee Co. of North America    —
Guardian Insurance Co. of Canada — 	
Home Assurance Co. of Canada— _   	
Hudson Bay Insurance Co-
Imperial Guarantee & Accident Insurance Co. of Canada-
Imperial Insurance Office 	
London & Lancashire Insurance Co., Ltd	
London-Canada Insurance Co— - 	
London Guarantee & Accident Co  	
Lumber Mutual Fire Insurance Co. of Boston-
Mercantile Insurance Co  	
Mercury Insurance Co..
Mill Owners Mutual Fire Insurance Co-
Milwaukee Mechanics Insurance Co	
Mutual Benefit Health & Accident Association .
National Provincial Insurance Co., Ltd 	
New Hampshire Fire Insurance Co-
North British & Mercantile Insurance Co., Ltd. -
North Empire Fire Insurance Co..  	
Northwest Casualty Co-
Northwestern National Insurance Co 	
Norwich Union Fire Insurance Society, Ltd-
Pacific Coast Fire Insurance Co —
Phoenix Assurance Co., Ltd 	
Protective Association of Canada	
Quebec Fire Assurance Co.... - 	
Reliance Insurance Co. of Canada —	
Royal Insurance Co., Ltd—
Royal Plate Glass & General Insurance Co. of Canada-
Security National Insurance Co-
Stanstead & Sherbrooke Fire Insurance Co., Stock MutuaL.
Yorkshire Insurance Co., Ltd- - 	
Totals..
Nil
Nil
NU
Nil
Nil
Nil
$30,000.00
NU
NU
191,992.60
Nil
Nil
NU
Nil
Nil
NU
Nil
Nil
Nil
Nil
Nil
1,878.87
41,051.61
NU
Nil
NU
Nil
Nil
NU
NU
NU
40,000.00t
NU
6,560.20
NU
NU
NU
NU
NU
NU
NU
NU
NU
NU
NU
66,000.00
NU
NU
NU
NU
146,119.34t
NU
NU
NU
NU
NU
NU
NU
NU
238,301.97
$761,904.59
$75,000.00*
26,280.00*
5,000.00*
3,942.90
14,000.00
3,000.00*
10,074.02t
15,000.00*
50,000.00
92,035.10
70.000.00*
141,337.50t
20,000.00*
43,879.85*
31,000.00*
73,000.00*
10,980.62t
35,000.00
26,000.00*
20.425.00t
10,000.00
40,000.00*
152,930.76t
10,000.00
63,000.00
32,450.00*
5,000.00*
25,000.00
100,000.00*
114,813.33$
31,374.50t
50,000.00*
10,000.00*
NU
133,040.00*
25,000.00
220,054.20t
15,000.00
45,000.00*
100,000.00*
20,000.00*
31,002.50
30,000.00*
4,866.67
50,000.00
65,000.00
40,950.00
2,000.00*
50,000.00
119,000.00*
232,600.00*
110,619.34
10,000.00
18,493.34t
15,000.00*
20,784.00t
47,605.19t
5,000.00*
4,144.40t
466,926.00
$3,292,609.22
* Par value.
' Book value.
Z Market value.
VICTORIA, B.C.:
Printed by Charles F. Banfield, Printer to the King's Most Excellent Majesty.
1941.
2,025-541-2530    

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