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PROVINCE OF BRITISH COLUMBIA Thirty-eighth Annual Report of the SUPERINTENDENT OF INSURANCE 1949 (Business… British Columbia. Legislative Assembly [1950]

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Full Text

 PROVINCE OF BRITISH COLUMBIA
Thirty-eighth Annual Report
of the
SUPERINTENDENT OF
INSURANCE
1949
(Business transacted in 1948)
VICTORIA,  B.C. :
I'liriled tiy Don McDiarmid, Printer to the King's Most Excellent Majesty.  To His Honour Charles Arthur Banks, C.M.G.,
Lieutenant-Governor of the Province of British Columbia.
May it please Your Honour :
The undersigned has the honour to present the Thirty-eighth Annual Report of the
Superintendent of Insurance for the year ended December 31st, 1948.
GORDON S. WISMER,
Attorney-General.
Victoria, B.C., July 3rd, 19%9. TABLE OF CONTENTS.
Report of Superintendent of Insurance	
Page.
_   5
List as at June 30th, 1949—
Insurers licensed	
Fraternal Benefit Societies licensed under the
Reciprocal Exchanges granted Permits.
Insurance Act"  52
  53
Underwriters' Agencies licensed  53
Societies (incorporated under the " Societies Act ") licensed under the " Insurance Act"  54
Names of Insurers and Fraternal Societies licensed since December 31st, 1948  53
Names of Insurers which have ceased Business in British Columbia since December
31st, 1948  54
Annual Statements of Provincial Licensees—
British Columbia Insurance Company  55
British Columbia Plate Glass Insurance Company  56
British Pacific Insurance Company  57
Canadian Home Assurance Company  58
Empire Life Insurance Company  59
High Court of the Canadian Order of Foresters  60
Missisquoi & Rouville Mutual Fire Insurance Company  62
Mutual Fire Insurance Company of British Columbia  63
Pacific Coast Fishermen's Mutual Marine Insurance Company  65
Perth Mutual Fire Insurance Company  66
Reliable Life Insurance Society  67
Royal Plate Glass and General Insurance Company of Canada  68
Saskatchewan Mutual Fire Insurance Company ;  69
Western Union Insurance Company  70
TABLES.
Life Insurance—
I. Business of 1948  71
II. Summary, 1944-48  71
Fire Insurance—
III. Business of 1948 !  73
IV. Summary, 1944-48  77
Automobile Insurance—
V. Business of 1948  77
VI. Summary, 1944-48  80
Miscellaneous Classes of Insurance—
VII. Business of 1948	
VIII. Summary, 1944-48	
81
98 Report of the Superintendent of Insurance.
Department of Insurance,
Victoria, B.C., July 3rd, 1949.
The Honourable Gordon S. Wismer, K.C., M.L.A.,
Attorney-General, Victoria, B.C.
Sir,—Pursuant to the " Insurance Act," I beg to submit the Thirty-eighth Annual
Report of the Department of Insurance covering the year ended December 31st, 1948.
At that date 329 insurers were licensed under the Act to transact business. The
following summary indicates the origin of the insurers, how many held only Provincial
licences, and how many had Dominion registry in addition to a Provincial licence:-—
Where incorporated.
Provincial
Licence.
Dominion
Registry.
Total.
7
8
6
1
2
4
15
68
74
2
5
2
1
2
4
128
7
23
68
80
2
5
3
1
2
6
132
Totals	
28
301
329
The comparative figures are for—
1947	
25
22
306
299
331
321
Fourteen new insurers were licensed during the year. These are as follows:
Alpina Insurance Company, Limited; British Columbia Insurance Company; Canada
Health and Accident Assurance Company; Contingency Insurance Company, Limited;
The T. Eaton Life Assurance Company; Federation Insurance Company of Canada;
North American Life and Casualty Company; Orion Insurance Company, Limited;
Progressive Insurance Company of Canada; Rhode Island Insurance Company (licence
revived) ; Roberts Mutual Fire Insurance Company; Ruby General Insurance Company, Limited; Unity Fire Insurance Corporation; and World Auxiliary Insurance
Corporation, Limited.
The Associated Canadian Travellers was a new fraternal society licensed during
the year, the total number of fraternal societies licensed being thirteen.
Seventeen insurers ceased business in the Province during the year, and are as
follows: Baltimore American Insurance Company, City of New York Insurance Company, Fonciere Fire Insurance Company, Franklin Fire Insurance Company, Gibraltar
Fire and Marine Insurance Company, Home Assurance Company of Canada (in liquidation), Homestead Fire Insurance Company, Indiana Lumbermen's Mutual Insurance
Company, Lumbermen's Mutual Insurance Company, Lumber Mutual Fire Insurance F 6
BRITISH  COLUMBIA.
Company of Boston, National Liberty Insurance Company of America, National Liverpool Insurance Company, National Retailers Mutual Insurance Company, Newark Fire
Insurance Company, New Brunswick Fire Insurance Company, Pioneer Insurance
Company, and Queen Insurance Company of America.
A complete list of insurers will be found on pages 7 to 54. A similar list made
up to December 31st, 1948, was printed for circulation and published in The British
Columbia Gazette. For purposes of convenience the present list is made up to June
30th, 1949, so that it includes insurers licensed since December 31st, 1948, and shows
the classes of insurance for which all insurers are now licensed.
On analysis the list shows that 39 companies (exclusive of fraternal societies)
were licensed for life insurance, 238 for fire insurance, 191 for automobile insurance,
and 95 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 55 to 70.
There were ten underwriters' agencies licensed under the Act. The list appears
on page 53. One underwriters' agency, the Cardinal Underwriters, has ceased business
in the Province since January 1st, 1949.
The taxes collected on unlicensed insurance amounted to $23,791.61.
The total figures for licensed insurance agents and salesmen showed an increase
over the previous licence-year.
Licences issued to
1948.
1947.
1946.
1945.
1944.
Life-insurance agents	
1,386
1,449
1,172
46
54
1,372
1,437
1,071
37
41
1,347
1,353
1,008
34
27
1,167
1,231
661
33
17
1,077
1,117
504
28
13
4,107
3,958
3,769
3,109
2,739
The number of real-estate agents' and real-estate salesmen's licences issued under
the " Real-estate Agents' Licensing Act" for the year 1948-49 in comparison with the
year 1947-48 is as follows:—
Licences issued to
1948-49.
1947-48.
1946-47.
1945-46.
1944-45.
1,076
1,848
1,090
1,686
1,110
1,653
1,004
1,335
800
805
Totals	
2,924
2,776
2,763
2,339
1,605
I have the honour to be,
Sir,
Your obedient servant,
S. W. TAYLOR,
Superintendent of Insurance. REPORT OF SUPERINTENDENT OF INSURANCE, 1948.
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Annual Statements of Provincial Licensees.
BRITISH COLUMBIA INSURANCE COMPANY.
Head Office—Vancouver, B.C.
Directors.
Theo. Hare. C. G. Hobson. J. D. Christie.
Theo. Hare, President.
Statement for the Year ended December 31st, 1948.
Assets.
Bonds and debentures  (book value)              $5,031.25
Cash in bank ...            _       4,986.91
Interest accrued   ~ _   _   -     37.81
$10,055.97
Liabilities.
Reserve of unearned premiums (net, at 80 per cent.)       ... $0.51
Expenses due and accrued        _ 170.00
Taxes due and accrued — —       „■__ .10
Capital stock—
Authorized—
Common           $400,000.00
Preferred              100,000.00
Subscribed     _   _            50,000.00
Paid up                  10,328.00
Returns for British Columbia.
(See page 83.)
$10,498.61
Deficit                 442.64
$10,055.97
Profit and Loss Account.
Premiums earned  (net)          $4.57
Claims incurred (net)   -       Nil
Commissions              _ $1.98
Taxes           266.60
Salaries, fees, and travelling: expenses       25.00
Other expenses     _         172.46
466.04
Underwriting loss                  $461.47
Other revenue—Interest earned              $143.83
Other expenditure—Loss on sale of securities       125.00
18.83
Net loss   -              $442.64 F 56
BRITISH COLUMBIA.
BRITISH COLUMBIA PLATE GLASS INSURANCE COMPANY.
Head Office—Vancouver, B.C.
Directors.
W. J. Albutt. Capt. S. Robinson.
F. M. Chaldecott.
E. A. Albutt.
F. G. Syder.
F. G. Syder, Secretary.
Statement for the Year ended December 31st, 1948.
Assets.
Bonds and debentures  (book value).
Cash on hand and in banks 	
Interest accrued   	
$63,991.62
55.61
681.71
$64,728.94
Liabilities.
Reserve of unearned premiums (net, at 80 per cent.).
Investment reserves   	
Premiums paid in advance      	
Capital stock—
Authorized    	
Subscribed and paid up
Surplus 	
$32,102.94
1,743.00
2,667.01
$36,512.95
$25,000.00
10,000.00
18,215.99
$64,728.94
Profit and Loss Account.
Premiums earned  (net)         $29,225.39
Claims incurred ...   __   $23,294.63
       13,679.57
.      685.84
_      750.00
      116.36
Commissions     	
Taxes      	
Salaries, fees, and travelling expenses .
Other expenses 	
Underwriting loss            	
Other revenue—Interest earned              $2,053.16
Other expenditure—Decrease in deficiency of market under book value of securities 675.38
Net loss
38,526.40
$9,301.01
1,377.78
$7,923.23
Returns for British Columbia.
(See page 83.)
BRITISH PACIFIC INSURANCE COMPANY.
Head Office—Vancouver, B.C.
H. J. Bailey.
C. W.S.Bell.
W. S. Charlton.
G. D. Cunningham.
Directors.
T. S. Dixon.
•J. H. McMahon.
Frank Parsons.
Frank Parsons, President.
H. J. Seed.
R. C. White.
B. S. Brown, Jr.
George Parsons.
Statement for the Year ended December 31st, 1948.
Assets.
Bonds and debentures  (book value)..      	
Cash on hand and in banks	
Accrued interest   	
Agents' balances 	
Reinsurance premiums     	
Carried forward
$104,906.25
13,634.03
940.48
23,850.98
1,602.90
$144,934.64 REPORT OF  SUPERINTENDENT OF INSURANCE, 1948. F  57
Assets—Continued.
Brought forward      $144,934.64
Amount due from reinsurance on losses paid           2,219.02
Taxes due from reinsuring companies          848.59
Automobiles            1,725.25
Furniture and fixtures          12,651.80
Incorporation expense      3,450.00
Prepaid expenses, supplies, etc       :     2,525.68
Sundry accounts receivable      126.21
Gross assets          $168,481.19
Deduct assets not admitted—
Agents' balances on premiums written prior to October 1st, 1948         $3,638.13
Reinsurance premiums due from companies prior to October 1st, 1948  454.18
Deficiency, market under book value of bonds  __   315.63
Automobile              1,725.25
Furniture and fixtures            12,651.80
Incorporaiton  expense            3,450.00
       22,234.99
Total admitted assets       $146,246.20
Liabilities.
Provision for unpaid claims        _  $19,402.72
Adjustment  expenses        493.00
Reserve for unearned premiums (net, 80 per cent.)        65,663.62
Reserve for unpaid losses.. ._        1,477.77
Expenses due and accrued      _   1,721.37
Taxes due and accrued             4,234.45
Reinsurance premiums         13,742.73
Premiums paid in advance      1,151.87
Capital stock—
Authorized         $500,000.00
Subscribed          200,000.00
$107,887.53
Paid up              $88,600.00
Deficit in Profit and Loss Account       50,241.33
       38,358.67
,246.20
Profit and Loss Account.
Premiums earned (net)       $160,704.51
Claims incurred  (net)       $67,009.31
Adjustment expenses     763.83
Commissions   _        36,890.70
Taxes               4,054.09
Salaries, fees, and travelling expense          43,476.23
Other expense            24,639.94
     176,834.10
Underwriting loss   -          $16,129.59
Other revenue—
Interest earned           -      $2,933.28
Profit on sale of securities...     30.66
$2,963.94
Less other expenditure—Bad debts written off           1,219.36
1,744.58
Net loss         -      $14,385.01
Returns for British Columbia.
(See pages 73, 77, 81, 87, and 92.) F  58 BRITISH COLUMBIA.
CANADIAN HOME ASSURANCE COMPANY.
Head Office—Montreal, Que.
Directors.
G. S. Challies. J. G. Porteous. R. E. Schofield.
Owen Lobley. Max Wollner.
Max Wollner, Managing Director.
Statement for the Year ended December 31st, 1948.
Assets.
Mortgage loans on real estate.   -     $1,250.00
Bonds and debentures  (book value).     —-   630,611.00
Stocks  (book value)        - - - -— 113,182.28
Cash on hand and in banks        117,349.79
Interest accrued     -       6,358.69
Agents' balances and premiums uncollected (net).   .,      50,452.59
Account receivable           — —   6,440.00
$925,644.35
Liabilities.
Provision for unpaid claims..   —     — _   $156,884.00
Adjustment expenses       ,          1,861.00
Present value of claims payable by instalments not yet due           10,000.00
Reserve of unearned premiums (net, at 80 per cent.)  „       192,719.32
Expenses due and accrued        _ 573.71
Taxes due and accrued-     _        12,000.00
Reinsurance premiums   _.                  11,171.77
Return premiums and balances due agents        201.85
Investment reserves                  18,422.66
All other liabilities—
Accident and casualty premium reserve    ._..       $54,856.18
European general premium reserve.     _        29,192.40
European general loss reserve            50,000.00
R. E. Schofield, purchase of agency         22,175.00
156,223.58
Capital stock—
Authorized       _   $500,000.00
Subscribed    _          400,000.00
Paid up           245,480.00
Surplus               120,106.46
$925,644.35
Profit and Loss Account.
Premiums earned  (net)        .    $388,453.21
Claims incurred  (net)      _ _   $223,511.70
Adjustment expenses  (net)        :  _.        18,920.19
Commissions     _        96,127.53
Taxes       _        12,579.35
Salaries, fees, and travelling expenses             35,079.60
All other expenses  ,                 16,699.56
402,917.93
Underwriting loss       _      $14,464.72
Other revenue—
Interest earned           $10,527.86
Dividends earned            4,284.38
    $14,812.24
Other expenditure—
Loss on sale of securities and real estate.     $11,803.99
Appropriation for agency purchase        22,175.00
 33,978.99
19,166.75
Net loss        _   _     $33,631.47
Returns for British Columbia.
(See pages 73, 77, 81, 87, and 92.) REPORT OF SUPERINTENDENT OF INSURANCE, 1948. F  59
EMPIRE LIFE INSURANCE COMPANY.
Head Office—Kingston, Ont.
Directors.
C. P. Fell. H. H. Blakeman. D. W. McCormick.
A. H. K. Russell. G. J. Guy. D. R. McLaughlin.
N. A. Fairhead. Hon. N. P. Lambert. G. M. Orr.
C. P. Fell, President.
Statement for the Year ended December 31st, 1948.
Assets.
Real estate  (book value)  _        $130,182.65
Amounts owing under agreements of sale of real estate..     11,924.78
Mortgage loans on real estate           3,046,498.79
Loans on and amount secured by policies         719,908.68
Bonds and debentures  (book value)         10,664,448.50
Stocks (book value)           1,585,110.94
Cash on hand and in banks  ._       _. 202,981.24
Accounts receivable         — — 1,238.63
Agents' debit balances     _.   58,472.04
Total ledger assets at book value      $16,420,766.25
Deduct excess of total book value of ledger assets over total authorized value  14,485.94
$16,406,280.31
Total interest, dividends, and rents due and accrued   154,890.19
Premiums due and uncollected or deferred  (net)      275,200.83
$16,836,371.33
Deduct assets not admitted—
Cash advanced to or in the hands of officers or agents....    $58,472.04
Debit accounts  (sundry)        779.47
  59,251.51
$16,777,119.82
Liabilities.
Liability under assurance and other contracts (net)        _ $14,212,358.00
Liability for payments due under contracts  (net)...    .  131,334.00
Provision for unreported death and disability claims  20,000.00
Amounts left with company     —      418,671.00
Premiums paid in advance   ■   13,454.13
Dividends to policyholders due and unpaid        2,631.79
Provision for profits to policyholders  (other than deferred dividends)    71,135.00
Profits credited to deferred-dividend policies (net)..       _ 57,874.00
Provision for accrued profits to policyholders not included above   70,991.00
Shareholders' surplus     - — — -   16,948.85
Taxes             30,483.32
Salaries, rents, and office expenses due and accrued        7,313.90
Medical examiners' fees due and accrued        775.00
Legal fees due and accrued          _ 200.00
Commissions to agents due and accrued  — —    .  8,404.13
Reserve for contingencies     — 400,000.00
Staff pension, assurance and savings funds    — ._  183,100.00
Miscellaneous accounts payable —   —    ,  21,076.81
Capital stock—
Authorized     -   -   - $2,500,000.00.
Subscribed   -           1,308,500.00
Paid up   - -     -  314,215.00
Surplus   -       _  ' 796,153.89
$16,777,119.82 F 60
BRITISH COLUMBIA.
Income.
Premium income     	
Consideration for supplementary contracts-
Amounts left with company	
Interest, dividends, and rents..
Gross profit on sale or maturity of bonds and stocks .
All other income     	
Disbursements.
Disbursements under assurance and annuity contracts   (net)....
Payments under supplementary contracts  (net)	
Reduction in premiums resulting from application of dividends-
Amounts left with the company   	
Taxes, licences, and fees .
Head office expenses—Salaries, directors' fees, auditors' fees, travelling expenses, rents,
and miscellaneous  :  	
Branch office and agency expenses—Commissions, salaries, advances to agents, travelling
expenses, rent, and miscellaneous        — 	
All  other  expenses—Advertising,  books  and  periodicals,  express,   telegrams  and  telephones, legal fees, medical fees, office furniture, postage, printing and stationery,
commissions on loans, contributions to Staff Pension Fund, and miscellaneous 	
Payments from Staff Pension Fund    	
Insurance Society fees       	
Staff group insurance         	
Inspection reports and M.I.B    .'.    	
Machine supplies  _      	
Charitable  donations       	
Investment expense
Executive officers' retirement expense-
Dividends paid to shareholders	
Interest paid on claims 	
Interest on borrowed money-
Loss on sale or maturity of real estate, bonds, and stocks..
Balance            	
Returns for British Columbia.
(See page 71.)
$2,044,534.00
24,157.00
86,416.31
612,989.10
55,993.15
28,886.90
$2,852,976.46
,075,257.51
11,822.19
2,608.60
40,590.65
44,967.77
162,744.42
379,903.69
89,848.44
4,698.04
2,422.31
1,462.75
10,637.35
2,936.88
1,250.00
10,277.98
6,729.99
12,565.10
1,236.90
516.86
55,714.54
934,784.49
$2,852,976.46
HIGH COURT OF THE CANADIAN ORDER OF FORESTERS.
Head Office—Brantford, Ont.
Governing Executive Authority.
S. C. Berridge. A. M. Jones. J. W. Davies.
L. E. Jordan.
V. Bedard.
Alf. P. van Someren, High Secretary.
Statement for the Year ended December 31st, 1948.
Assets.
Real estate  (book value).
Liens on policies
Bonds and debentures  (book value) —
Cash on hand and in banks 	
Interest and dividends due and accrued      	
Premiums, dues, and assessments collected but not received by head office..
Unexpired insurance premiums    	
Other assets      	
Deduct assets not admitted—
Unexpired insurance premiums
Supplies and stationery 	
Postage on hand 	
$38,627.04
98,039.85
22,500,882.05
90,381.94
245,206.00
45,777.38
3,695.29
2,581.48
$23,025,191.03
$3,695.29
2,371.98
209.50
6,276.77
$23,018,914.26 REPORT OF SUPERINTENDENT OF INSURANCE, 1948.
F 61
Liabilities.
Mortuary Fund 	
Sickness No. 1 Fund-
Juvenile Fund 	
$19
1
Sickness No. 2 Fund-
Building Fund
General Expense Fund
Surplus 	
285,617.22
171,425.02
24,800.00
76,277.11
219,504.78
6,273.64
,235,016.49
Income.
Premiums, dues, and assessments-
Special assessments
Interest, dividends, and rents..
Other revenue   	
Profit on sale or maturity of bonds and debentures..
Disbursements.
Claims, endowments, and surrenders	
Reversionary bonuses  	
Premium relief loans 	
Head   office   expenses—Salaries,   directors
fees,   auditors'   fees,
expenses, travelling expenses, and miscellaneous-
actuaries'   fees   and
Agency and organization expenses—Commissions, salaries, travelling expenses, and miscellaneous 	
$23,018,914.26
$751,561.87
757.00
915,589.98
4,982.70
9,662.10
$1,682,553.65
$1,052,671.32
78,237.91
13,392.52
62,313.28
126,831.10
All other expenses—Advertising, exchange, express, telegrams and telephone, legal fees,
medical fees, official publications, investment expenses, printing and stationery, postage and excise, convention and meetings, taxes, licences and fees, donations, unemployment insurance, lodge supplies, and miscellaneous. 	
Operating expenses on rented buildings    	
Decrease by adjustment of bonds, debentures, and real estate _ 	
Balance         — 	
Returns for British Columbia.
Income—
Mortuary Fund 	
Sickness and Accident Fund-
No. 1 	
No. 2   	
Juvenile Fund 	
General Expense Fund
Disbursements—
Mortuary  Fund   	
Sickness and Accident Fund No.
70,854.61
744.11
12,332.99
265,175.81
$1,682,553.65
$14,514.29
337.95
33.88
289.97
1,151.61
$16,327.70
$18,153.82
376.25
$18,530.07 F 62
BRITISH COLUMBIA.
MISSISQUOI & ROUVILLE MUTUAL FIRE INSURANCE  COMPANY.
Head Office—Frelighsburg, Que.
Hon. Jacob Nicol.
H. A. Stevenson.
L. E. Langis Galipeault.
Directors.
C. C. Dyer.
H. F. Vilas.
E. M. Shepard.
H. C. Hayes.
H. C. Beatty.
F. A. Pouliot.
E. H. Spencer, Secretary-Treasurer.
Statement for the Year ended December 31st, 1948.
Assets.
Real estate  (book value)        	
Mortgage loans on real estate      	
Bonds and debentures  (book value)     	
Cash on hand and in banks       	
Interest and rents, due and accrued      	
Agents' balances and reinsurance premiums uncollected (net). 	
Premiums due from reinsurers   _   	
Amount due from reinsurance on losses already paid    	
Unpaid assessments (less commission)    	
Overpayment, 1948 income tax     	
Due from reinsuring companies, taxes and commission  	
Office furniture and fixtures (less depreciation)...   	
Automobile  (less depreciation)      	
Spring and waterworks (less depreciation)    	
Sundries           : 	
Deduct assets not admitted—
Agents' balances on premiums written prior to October 1st,
Office furniture and fixtures  	
Automobile        	
Spring and waterworks  .	
$3,000.00
69,600.00
919,152.50
118,556.98
7,406.89
30,224.26
16,022.00
9,278.28
2,642.05
5,028.67
1,800.14
1,891.92
829.18
83.99
5.01
$1,185,521.87
1948
$1,063.88
1.891.92
829.18
83.99
3,868.97
$1,181,652.90
Liabilities.
Provision for unpaid claims       $33,854.81
Adjustment expenses      _. 356.97
Reserve of unearned premiums  (net, at 80 per cent.)       265,298.74
Cash dividends to shareholders, but not yet due    153,796.47
Expenses due and accrued        1,885.62
Taxes due and accrued        10,010.90
Reinsurance premiums         16,489.39
Contingency reserves         __ 20,202.52
Special reserve for losses due reinsurance companies    1,045.71
Capital stock—
Authorized   —-    $200,000.00
Subscribed    :...     200,000.00
Paid up
Surplus 	
44,000.00
634,711.77
$1,181,652.90
Profit and Loss Account.
Premiums earned (net)         	
Claims incurred (net)      $201,768.46
Adjustment expenses   (net).—      5,425.16
Commissions    — -.     -- - - 107,560.26
Taxes             8,999.86
Salaries, fees, and travelling expenses      28,885.00
All other expenses    - - 14,181.72
$339,700.09
366,820.46
Underwriting loss
$27,120.37 REPORT OF SUPERINTENDENT OF INSURANCE, 1948. F 63
Profit and Loss Account—Continued.
Brought forward     „             $27,120.37
Other revenue—
Interest earned     _    $29,683.25
Rents earned  (net)        414.90
Profit on sale of securities and real estate         1,256.50
     $31,354.65
Other expenditure—
Income taxes  _     _.       $971.33
Transferred to reserve for contingencies           6,917.24
         7,888.57
  23,466.08
Net loss       .— —   $3,654.29
Returns for British Columbia.
(See page 75.)
MUTUAL FIRE INSURANCE COMPANY OF BRITISH COLUMBIA.
Head Office—Vancouver, B.C.
Directors.
W. MacNair. R. U. Hurford. H. S. Berry.
L. T. Beharrell. C.E.Whitney-Griffiths. H. E. Burr.
H. Bose.
E. E. Townsley, Manager-Secretary.
Statement for the Year ended December 31st, 1948.
Bonds and debentures (book value)— —:             $95,419.41
Cash on hand and in banks        _   1,569.21
Interest accrued   -     —     — __ 919.15
Agents' balances and premiums uncollected (net, commission deducted)    2,333.63
Amount due from reinsurance on losses already paid __ _   1,646.71
Sundry receivables and unemployment insurance stamps  _ — .._   194.91
Furniture and fixtures ._ —     — — —.  179.91
Deferred commissions          - —  '- -   7,908.37
Due from other insurance companies  —       549.48
$110,720 78
Deduct assets not admitted—
Agents' balances on premiums written prior to October 1st, 1948 — —       $372.20
Furniture and fixtures      — - — — 179.91
Deferred commissions     - — —      7,908.37
         8,460.48
$102,260.30
Liabilities.
Provision for unpaid claims —   — — — - -   $1,531.69
Reserve of unearned premiums (net, at 80 per cent,).. _ _   26,895.37
Taxes due and accrued  - — —   —     1,766.54
Reinsurance premiums    —   - -   —   39.02
Return premiums and balances due agents —.— - _ -     — 337.63
Premiums received in advance —   - - -   345.16
Return premiums - -   - —- - -   721.19
Balance—
Statutorv reserve fund    , - —    $16,000.00
Surplus - - - - ----- - - -- ----- -    54,623.70
■  70,623.70
$102,260.30 F  64 BRITISH COLUMBIA.
Profit and Loss Account.
Premiums earned (net)               $44,414.63
Claims incurred  (net)   .    ....  $14,711.18
Adjustment expenses   (net)    _._     300.53
Commissions   .._            7,968.73
Taxes           158.74
Salaries, fees, and travelling expenses..          12,043.84
All other expenses               7,642.55
       42,825.57
Underwriting profit              $1,589.06
Other revenue—
Interest earned   ..._        $2,802.33
Commissions earned    L~              745.05
     $3,547.38
Other expenditure—
Income and excess profits taxes      $1,766.54
Bad debts written off       —  92.75
 1,859.29
         1,688.09
Net profit                   $3,277.15
Returns for British Columbia.
(See page 75.) REPORT OF SUPERINTENDENT OF INSURANCE, 1948. F  65
PACIFIC COAST FISHERMEN'S MUTUAL MARINE INSURANCE COMPANY.
Head Office—Vancouver, B.C.
Directors.
H. W. Brown. C. Bygdness. Harry Hansen.
D. G. Macdonald. J. Eilertsen. Nels Ruud.
0. J. Hansen. A. E. Carr. Ivar Johansen.
R. Wulff. J. Daly. G. Phillips.
H. W. Brown, President.
Statement for the Year ended December 31st, 1948.
Assets.
Bonds and debentures  (book value)  .____     —     $25,510.00
Cash on hand and in banks    _       83,286.75
Interest accrued     —       — 210.10
Agents' balances and premiums uncollected (net, commission deducted)      8,463.90
Lease                2,680.00
Sundry accounts receivable             1,081.11
Office furniture             1,557.96
Deferred charges  —     —      2,018.62
$124,808.44
Deduct assets not admitted—Office furniture                 1,557.96
$123,250.48
Liabilities.
Provision for unpaid claims       —       $8,440.00
Reserve of unearned premiums (net, at 80 per cent.)    —  .._ 28,394.22
Taxes due and accrued.             700.00
Reinsurance premiums       —   1,297.68
Return premiums and balances due agents           956.51
Sundry accounts payable  —         125.00
Reserve for lay-up periods    —       9,000.00
Refunds loaned by members             57,896.47
Capital stock—
Authorized          $25,000.00
Subscribed              6,900.00
Paid up -..       ._-              6,900.00
Reserve fund                      4,000.00
Surplus         —     —        5,540.60
$123,250.48
Profit and Loss Account.
Premiums earned   -.       —   -    $59,840.99
Claims incurred     — -     $21,161.30
Adjustment expenses         — 300.16
Taxes         — 810.00
Salaries, fees, and travelling expenses            8,311.82
All other expenses —   -   -        3,414.16
33,997.44
Underwriting profit   -       -    $25,843.55
Other revenue—Interest earned        — -        1,472.61
$27,316.16
Other expenditure— ,
Statutory  reserve   (increase)         $2,000.00
Excess refundable to members         23,396.22
       25,396.22
Net profit         -----      $1,919.94
Returns for British Columbia.
(See page 91.) F 66
BRITISH COLUMBIA.
THE PERTH MUTUAL FIRE INSURANCE COMPANY.
Head Office—Stratford, Ont.
H. W. Strudley.
J. A. Makins.
R. M. Trow.
Directors.
W. J. Anderson.
H. H. Dempsey.
C. D. Dingman.
M. Macrae, Secretary.
J. M. Riddell.
H.G.Lee.
H. W. Maxwell.
Statement for the Year ended December 31st, 1948.
Assets.
Real estate  (book value)—.
Loans on real estate	
Bonds and debentures ...
Stocks (book value)
Cash on hand and in banks  	
Interest and rents, accrued     	
Agents' balances and premiums uncollected  (net, commission deducted).
Amount due from reinsurance on losses already paid. 	
Office furniture and fixtures     -  1.
Deduct assets not admitted—
Agents' balances of premiums written prior to October 1st, 1948  —   $617.32
Premiums due from reinsuring companies written prior to October 1st, 1948     149.34
Office furniture and fixtures    2,549.25
$35,997.42
10,500.00
1,973,708.04
327,058.00
105,621.43
.19,297.40
47,696.92
7,154.77
2,549.25
$2,529,583.23
3,315.91
$2,526,267.32
Liabilities.
Provision for unpaid claims    	
Adjustment expenses     ._:....
Reserve of unearned premiums (net, at 80 per cent.).
Expenses due and accrued  (permanent reserve)	
Taxes due and accrued    	
Return premiums and balances due agents  	
Investment reserves (permanent reserve)—	
Contingency reserves   (permanent reserve).
$39,532.73
    500.00
        265,252.73
  10,000.00
  11,184.96
91.40
          150,000.00
    60,000.00
Surplus             1,989,705.50
$2,526,267.32
Premiums earned 	
Claims incurred     	
Adjustment expenses    —
Commissions    	
Taxes 	
Salaries, fees, and travelling expenses..
All other expenses 	
Profit and Loss Account.
$204,145.34
8,396.67
98,376.82
9,748.59
45,979.53
17,792.02
$345,776.40
Underwriting loss
Other revenue—■
Interest earned 	
Dividends earned 	
384,438.97
$38,662.57
Profit on sale of securities-
Other expenditure—
Income and excess profits taxes-
Loss re rents earned	
Depreciation on office premises	
Special grant to Stratford Hospital..
$65,976.42
11,904.11
1,069.83
$5,684.96
370.70
1,263.09
3,000.00
$78,950.36
10,318.75
Net profit
68,631.61
$29,969.04
Returns for British Columbia.
(See page 75.) REPORT OF SUPERINTENDENT OF INSURANCE, 1948. F 67
THE RELIABLE LIFE INSURANCE SOCIETY.
Head Office—Hamilton, Ont.
Governing Executive Authority.
E. Gernaey. J. L. Archer. J. A. Lussier.
G. Snyder. P. M. Button.
C. H. Fitch, Secretary-Treasurer.
Statement for the Year ended December 31st, 1948.
Real estate  (book value)         $32,000.00
Loans on real estate      123,470.00
Amounts secured by society's certificates in force.   _      131,467.75
Bonds and debentures  (book value)     2,746,481.44
Cash on hand in banks      105,027.07
Interest and dividends, due and accrued .    38,408.64
Premiums, dues, and assessments...        2,773.09
Deposit with Quebec Government        __ 5,000.00
Unemployment insurance prepaid         _ 1.49
$3,184,629.48
Deduct excess of total book value of ledger assets over total authorized value          48,122.20
$3,136,507.28
Liabilities.
Provision for unpaid claims               $36,636.60
Provision for unreported claims    _ _   6,600.00
Premiums, dues, and assessments received in advance     37,643.51
Matured policies, due and unpaid  ...1    1,450.00
Commissions          _ 4,701.81
Miscellaneous           372.10
Deposits from agents      .  130.00
Council dues held in trust        266.11
Liability to pension plan for past services  ;   13,879.00
Reserves—
Mortuary Fund         $2,424,417.00
Sickness and Accident Fund-               136,331.00
Juvenile Fund _ _.   _ —         121,972.00
     2,682,720.00
Special reserves—
Interest reserve     ._.:        $26,250.00
General reserve _     10,000.00
National building reserve         600.00
  36,850.00
Balance                  315,258.10
$3,136,507.28
Income.
Premiums, dues, and assessments      $372,129.80
Interest and dividends          117,546.41
Profit on sale or maturity of ledger assets        6,020.68
Sundry revenue     216.20
$495,913.09
Disbursements.
Claims, endowments, and surrenders      _       $298,258.07
Dividends .      _.   17,931.39
Head office expenses—Salaries, directors' fees,  auditors' fees  and expenses, travelling
expenses, rents, and miscellaneous    52,044.81
Agency and organization expenses—Commissions, salaries, travelling expenses, rents, and
miscellaneous          97,722.87
All other expenses—Advertising, books and periodicals, express, postage, telegrams and
telephones, legal fees, medical fees, official publication, office furniture, printing and
stationery, taxes, licences and fees, and miscellaneous       13,189.20
Other disbursements         15.18
Decrease by adjustment of bonds, debentures, and real estate..       789.79
Balance     _        15,961.78
$495,913.09 F 68
BRITISH COLUMBIA.
Returns for British Columbia.
Income—
Mortuary Fund
Sickness and Accident Fund .
Juvenile Fund 	
Guarantee Fund   	
Disbursements—
Mortuary Fund	
Sickness and Accident Fund
Juvenile Fund  	
$6,631.96
376.55
411.30
4.20
$7,424.01
$13,144.12
280.00
38.63
$13,462.75
ROYAL PLATE GLASS AND GENERAL INSURANCE COMPANY OF CANADA.
Head Office—Vancouver, B.C.
E. E. Buckerfield.
F. E. Chadwick.
W. S. Charlton.
Directors.
J. R. Cooney.
T.S.Dixon.
F.O.Hodgson.
F. Parsons.
W. B. Reardon.
F. W. Sullivan.
P. S. Young.
Frank Parsons, General Manager.
Statement for the Year ended December 31st, 1948.
Bonds and debentures  (book value)   	
Cash on hand and in banks       	
Interest accrued       _ 	
Agents' balances and premiums uncollected (net, commission deducted)..
Amount due from reinsurance on losses already paid  	
$369,222.78
33,785.58
3,035.00
•     36,954.26
8,182.85
$451,180.47
Liabilities.
Expenses due and accrued       _  $100.00
Taxes due and accrued  _     __ 1 —     —        1,590.96
Reinsurance premiums       —           36,954.26
Capital stock—
Authorized     _ -  $1,000,000.00
Subscribed     _.     -         100,000.00
Paid up
Surplus   	
._         _       100,000.00
             312,535.25
$451,180.47
Profit and Loss Account.
Salaries, fees, and travelling expenses             $2,072.45
All other expenses      .- — — - 260.04
Underwriting loss	
Other revenue—Interest earned—	
Other expenditure—
Income and excess profits taxes..
Investment expenses
$2,332.49
$11,005.21
Decrease in amortized over book value of bonds..
$3,000.96
98.55
212.95
3,312.46
Net profit
7,692.75
$5,360.26
Note.—The entire business of this insurer is reinsured. REPORT OF SUPERINTENDENT OF INSURANCE, 1948. F  69
SASKATCHEWAN MUTUAL FIRE INSURANCE COMPANY.
Head Office—Saskatoon, Sask.
Directors.
R.J.Harper. H. J. Beck. J.H.Evans.
W. Kershaw. D. MacLean. R. W. Brigham.
H. R. Earl. 0. C. Lawson. E. Williamson.
H. R. Earl, General Manager.
Statement for the Year ended December 31st, 1948.
Assets.
Real estate (book value)      _   __ $7,500.00
Bonds and debentures (book value)..        1,316,660.05
Cash on hand and in banks          __  74,380.62
Interest accrued              13,013.40
Agents' balances and premiums uncollected (net, commission deducted)    148,605.94
Amount due from reinsurance on losses already paid     1.19
Cash surrender value of life insurance.      9,702.60
Sundry accounts  receivable       ._  1,282.90
Automobiles   __        5,227.02
Furniture and fixtures   .;  16,930.36
Unassessed premium notes _     _    67,058.86
Unpaid assessments           3,625.71
$1,663,988.65
Deduct assets not admitted—
Agents' balances on premiums written prior to October 1st, 1948   $597.15
Automobiles              5,227.02
Furniture and fixtures       16,930.36
Unassessed premium notes.     _       67,058.86
Unpaid assessments       _. —    3,625.71
  93,439.10
$1,570,549.55
Liabilities.
Provision for unpaid claims           $151,991.00
Adjustment expenses     —   _1 _.  :  13,253.00
Reserve of unearned premiums (net, at 80 per cent.)   _     __  618,209.68
Taxes due and accrued.       _ __ 26,393.16
Assessments prepaid         —  .  ..   471.15
Surplus   -—     — - 760,231.56
$1,570,549.55
Profit and Loss Account.
Premiums earned  (net)    '.     _..         $981,458.53
Claims incurred (net)    -_   -   $524,476.37
Adjustment expenses     — -   —        51,703.87
Commissions            —    274,894.70
Taxes       -       —   - -      25,943.46
Salaries, fees, and travelling expenses..          77,955.79
All other expenses      —        43,255.11
        998,229.30
Underwriting loss       -   —..       $16,770.77
Other revenue—
Interest earned __     —   — $42,926.07
Finance charges and H.O. fees         46.61
Rents earned  (net)        779.15
Bad debts recovered, previously written off          332.61
■     $44,084.44
Other expenditure—
Income and excess-profits taxes   —    $4,366.88
Retirement Fund   - —   — 8,701.25
Increase in reserve for agents' balances.   — — 173.00
13,241.13
  30,843.31
Net profit      --_   —-   - -       $14,072.54
Returns for British Columbia.
(See pages 75, 79, 82, 87, and 91.) F  TO BRITISH COLUMBIA.
WESTERN UNION INSURANCE COMPANY.
Head Office—Calgary, Alta.
Directors.
Frank R. Freeze. W. G. Peterson. Roy J. Widney.
Robert D. Freeze. Howard F. Freeze. David J. Freeze.
M. MacKenzie. C. M. Freeze. L. C. Jackson.
Frank R. Freeze, General Manager.
Statement for the Year ended December 31st, 1948.
Assets.
Loans on real estate          $8,750.08
Bonds and debentures (book value).    _ _   _...   404,397.50
Cash on hand and in banks    —   _.   64,550.45
Interest accrued             2,785.99
Agents' balances and premiums uncollected (net, commission deducted).   66,157.95
Amount due from reinsurance on losses already paid       6,198.28
Office furniture and equipment ,      _  2,164.49
Automobiles     —     2,856.00
Refundable excess profits tax  — —       2,095.41
Prepaid licences         — _ _   970.00
$560,926.15
Deduct assets not admitted—
Deficiency of market under book value of bonds and debentures    $953.00
Office furniture and fixtures                2,164.49
Automobiles        -   -           2,856.00
Loans on real estate       _         8,750.08
  14,723.57
$546,202.58
Liabilities.
Provision for unpaid claims  — —        $125,817.97
Adjustment expenses       —     10,673.11
Reserve of unearned premiums (net, at 80 per cent.)    197,456.18
Taxes due and accrued          11,654.54
Reinsurance premiums        —   3,209.17
Indemnity collateral deposits    —     1,046.72
Reserve for unreported claims _   -        20,000.00
Capital stock—
Authorized           - - —  $500,000.00
Subscribed   .—       —      500,000.00
Paid up             100,000.00
Premium on capital stock        _.          4,000.00
Surplus         - -         72,344.89
$546,202.58
Profit and Loss Account.
Premiums earned  (net)            $349,491.94
Claims incurred (net)   - _ —     $206,670.23
Adjustment expenses incurred (net)          20,598.08
Commissions        — - -        80,433.39
Taxes         - -        9,800.87
Salaries, fees, and travelling expenses           3,453.02
Management fee           19,904.92
All other expenses     - - „        4,404.56
■     345,265.07
Underwriting profit     - - -        $4,226.87
Other revenue—
Interest earned       — — $14,014.73
Dividends earned     586.00
Profit on sale of securities and real estate    381.00
Other expenditure—
Income and excess-profits taxes        $5,811.22
Increase in deficiency of market under book value of securities.... 953.00
$14,981.73
6,764.22
         8,217.51
Net profit       - - — -      $12,444.38
Returns for British Columbia.
(See pages 76, 80, 82, 92, and 95.) TABLE L—ABSTRACT OF LIFE INSURANCE RETURNS FOR 1948.
(Figures shown in nearest dollar.)
F 71
Insurer.
Premium Income.
Assurance.
Annuities.
Sinking
Fund
Payments.
Disbursements.
Assurance.
On Death
or
Maturity.
On Surrender, for
Disability,
Dividends,
etc.
Annuities.
To Annuitants.
On Death,
Surrender,
etc.
Exhibit of Policies.
In Force
Jan. 1st,
1948.
New
issued.
In Force
Dec. 31st,
1948.
Aetna Life Insurance Co..
Canada Life Assurance Co	
Commercial Union Assurance Co., Ltd..
Confederation Life Association	
Continental Life Insurance Co	
Crown Life Insurance Co	
| Ordinary..
" { Group	
f Ordinary..
' { Group	
j" Ordinary..
" ( Group	
Cuna Mutual Insurance Society-
Dominion Life Assurance Co	
Dominion of Canada General Insurance Co..
The T. Eaton Life Assurance Co	
Empire Life Insurance Co	
Equitable Life Insurance Co	
Excelsior Life Insurance Co	
Fidelity Life Assurance Co	
Great-West Life Assurance Co	
J Ordinary..
"| Group	
J Ordinary..
") Group	
) Ordinary..
' 1 Group	
j Ordinary..
') Group	
j Ordinary..
"I Group	
Imperial Life Assurance Co..
London Life Insurance Co...
Loyal Protective Life Insurance Co-
Manufacturers Life Insurance Co	
\ Ordinary...
* ] Group	
j Ordinary...
' | Group	
[ Ordinary...
..\ Industrial.
[ Group	
Metropolitan Life Insurance Co...
Monarch Life Assurance Co	
Montreal Life Insurance Co .....
| Ordinary...
" ) Group	
[ Ordinary...
.\ Industrial.
[ Group	
Mutual Life Assurance Co. of Canada	
Mutual Life Insurance Co. of New York-
National Life Assurance Co. of Canada...
New York Life Insurance Co	
North American Life and Casualty Co	
North American Life Assurance Co	
j" Ordinary..
" I Group	
C Ordinary...
" ) Group	
| Ordinary..
' [ Group	
Northern Life Assurance Co	
Norwich Union Life Insurance Society	
Occidental Life Insurance Co. of California.
| Ordinary..
') Group	
j Ordinary..
' [ Group	
Prudential Assurance Co., Ltd..
Prudential Insurance Co. of America-
Royal Insurance Co., Ltd	
Sovereign Life Assurance Co. of Canada-
Standard Life Assurance Co	
Sun Life Assurance Co. of Canada	
j Ordinary,..
' I Group	
f Ordinary...
I Group	
C Ordinary...
-j Industrial.
[ Group	
Travelers Insurance Co	
Western Life Assurance Co-
Totals	
Totals for 1947	
{ Ordinary...
' | Group	
\ Ordinary...
" \ Group	
} Ordinary...
' | Group	
$103,750
65,763
986,190
143,017
361
1,111,061
24,948
135,121
673,946
36,748
1,873
69,004
727,668
246
55,930
326
19,674
80,788
203
54,973
369,002
88,426
'1,573,304
•      62,462
675,996
17,276
1,393,286
420,119
87,793
9,950
1,107,632
1,787
1,867,522
1,531,521
115,845
436,210
155,042
4,867
2,186,062
19,912
5,346
86,497
65  |
409,964  j
224
1,303,718
4,803
38,599
1,071
884
153,980
9,421
132,353
135
1,197,877
573,051
24,696
110,923
127,435
167,454
1,287
2,318,776
539,093
209,518
95,583
45,955
$23,974,312
$22,119,749
33,746
154,704
Nil
Nil
99,808
881
5,132
57,429
739,298
Nil
Nil
74,221
Nil
10,640
Nil
374
1,500
Nil
1,138
5,681
1,226
93,953
106,868
63,445
Nil
18,682
Nil
7,106
Nil
42,997
2,498
5,600
Nil
97,581
55,901
10,072
86,791
238,504
37,658
Nil
2,766
Nil
3,907
Nil
117,880
103,324
1,520
Nil
Nil
778
Nil
14,861
970
1,568
Nil
41,204
Nil
40,118
171,605
244,906
222,157
283,674
2,604
Nil
1,036
$3,308,340
$3,136,484
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
$6,558
7,648
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
$14,206
$21,040
41,255
306,394
86,609
Nil
339,450
4,300
40,800
233,173
22,048
Nil
29,390
159,695
Nil
6,500
Nil
20,328
38,288
Nil
26,900
94,123
14,782
657,440
40,636
258,062
11,500
318,710
32,467
55,092
1,000
293,535
140
587,064
193,339
78,250
145,356
36,946
2,500
737,935
13,681
Nil
44,142
Nil
330,910
Nil
457,739
1,000
21,167
2,000
Nil
81,462
2,000
3,104
Nil
300,891
234,243
8,000
91,572
28,322
43,248
Nil
1,033,652
282,150
73,545
47,645
34,363
$11,433
126
247,517
— 159
Nil
283,288
1,500
36,879
27,428
Nil
86
6,347
118,159
Nil
11,664
Nil
5,015
30,064
Nil
17,021
80,426
7,306
547,613
3,706
204,388
Nil
319,452
117,364
15,546
553
277,336
Nil
548,241
785,077
33,897
104,076
25,678
95
720,612
417
221
21,694
Nil
131,864
Nil
304,913
Nil
24,215
Nil
220
14,207
Nil
8,510
Nil
306,000
242,066
13,319
28,076
26,161
30,803
Nil
590,353
170,842
37,501
1,500
8,743
Nil
$6,485
69,923
2,893
Nil
53,758
Nil
2,965
19,707
48,601
Nil
Nil
37,776
Nil
1,860
Nil
Nil
500
Nil
Nil
2,705
600
86,221
3,907
12,372
Nil
19,269
Nil
Nil
Nil
41,504
Nil
7,077
244
56,266
29,814
525
3,463
134,956
6,119
Nil
1,446
Nil
11,433
Nil
32,045
Nil
Nil
Nil
Nil
1,160
Nil
8,445
Nil
5,823
Nil
4,369
Nil
26,050
7,206
9,471
199,035
29,350
1,444
Nil
190
$8,069,883  I $6,549,359
$986,977
Nil
Nil
$17,159
— 806
Nil
34,456
Nil
1,504
16,207
21,442
Nil
Nil
37,031
Nil
Nil
Nil
Nil
114
Nil
1,890
2,343
25
39,935
4,460
13,768
Nil
9,227
Nil
205
Nil
13,022
Nil
Nil
Nil
12,288
24,108
3,782
241,357
107,451
3,193
Nil
2,172
Nil
1,228
Nil
43,019
827
4
Nil
Nil
Nil
Nil
380
1,326
1,023
Nil
Nil
Nil
35,915
36,554
7,504
12,204
15,706
Nil
Nil
730
$762,753
$2,849,042
5,379,872
28,802,508
5,714,586
32,070
40,498,006
1,434,100
4,732,698
27,967,723
4,006,603
57,398
6,646,577
22,900,655
Nil
1,540,461
63,500
689,648
2,823,775
30,000
874,827
12,513,301
2,540,911
61,072,789
4,427,351
23,106,229
1,005,500
54,173,480
13,845,307
7,204,314
223,750
32,405,811
33,000
69,295,254
34,106,761
7,778,746
17,908,530
6,734,534
320,965
74,682,278
2,358,550
1,532,781
3,614,044
3,460
14,038,161
43,154,641
471,244
1,936,355
63,000
9,232
8,340,905
614,464
3,522,103
27,000
35,139,748
14,964,680
1,354,589
5,385,769
5,302,160
5,240,794
75,236,589
39,307,488
7,687,198
8,119,377
1,624,231
I
$859,471,423
$3,529
$7,723,638 | $5,679,724
$855,274
$572,311
$757,141,706
$713,927
1,359,000
5,153,071
1,334,750
5,932,562
340,500
769,855
3,359,943
916,500
39,800
446,734
5,422,732
Nil
265,294
Nil
16,240
964,375
2,500
1,531,735
2,769,781
838,738
9,732,195
93,500
2,254,581
Nil
11,000,596
2,354,891
404,000
129,500
3,906,072
45,000
6,734,118
2,444,684
2,280,000
3,449,858
389,304
Nil
10,392,558
303,500
226,299
719,765
65,000
1,596,800
52,875
6,829,676
Nil
41,624
Nil
8,711
1,827,824
Nil
986,927
Nil
3,885,126
758,880
—44,539
338,355
597,575
881,121
84,875
11,645,680
1,365,256
1,694,300
717,900
122,688
I
$122,494,612
$118,778,500
$3,179,984
6,066,700
32,125,345
7,407,081
32,666
44,968,225
2,759,794
5,159,570
29,928,384
4,411,913
94,463
9,739,885
26,517,397
Nil
1,760,916
Nil
680,814
3,445,577
20,000
2,107,393
14,764,154
3,292,916
68,800,504
4,947,057
24,793,400
921,000
64,103,641
15,522,355
8,660,977
294,750
35,579,675
85,000
72,912,637
34,963,292
10,890,432
20,635,948
6,427,621
295,733
83,076,704
2,967,222
1,569,569
4,290,797
62,460
14,572,191
52,875
48,159,695
340,139
1,884,972
63,000
22,983
9,242,733
662,189
3,821,873
15,000
38,665,269
13,535,781
1,377,747
5,422,190
5,555,715
6,221,776
83,875
83,109,592
42,469,083
8,525,210
9,697,644
1,597,065
$955,362,548
$858,781,775
TABLE II.—LIFE INSURANCE SUMMARY.
(Figures shown in nearest thousand.)
Year.
Premium Income.
Disbursements.
Amount in
Ordinary.
Industrial.
Group.
Total.
On Death or
Maturity.
Other Payments.
Total.
Force.
1944	
1
$14,981,000          I            <R5».1KR.non
$1,262,000
1,401,000
1,581,000
1,964,000
3,121,000
$18,401,000
20,064,000
22,701,000
25,259,000
27,298,000
$6,763,000
7,269,000
7,691,000
7,724,000
8,070,000
$5,054,000
5,378,000
6,785,000
7,107,000
8,299,000
$11,817,000
12,647,000
14,476,000
14,831,000
16,369,000
$617,530,000
663,386,000
757,142,000
858,782,000
955,363,000
1945	
16,396,000
18,799,000
20,793,000
21,652,000
2,267,000
2,321,000
2,502,000
2,525,000
1946	
1947	
1948	 REPORT OF SUPERINTENDENT OF INSURANCE, 1948.
F 73
TABLE III.—FIRE INSURANCE PREMIUMS AND LOSSES FOR 1948.
(Figures shown in nearest dollar.)
Name of Insurer.
Net
Premiums
written.
Net
Premiums
earned.
Net Losses
incurred.
Ratio of
(3) to (2).
Acadia Fire Insurance Co	
Aetna Insurance Co	
Agricultural Insurance Co.	
Alliance Assurance Co., Ltd	
Alliance Insurance Co. of Philadelphia	
American Alliance Insurance Co	
American Central Insurance Co	
American Equitable Assurance Co. of New York	
American Home Fire Assurance Co	
American Insurance Co	
Anglo-Scottish Insurance Co., Ltd	
Atlas Assurance Co., Ltd	
Automobile Insurance Co. of Hartford.Conn	
Baloise Fire Insurance Co., Ltd	
Baltimore AmericanlnsuranceCo. of New York.  (See note.)
Bankers and Shippers Insurance Co. of New York	
Bankers' & Traders' Insurance Co., Ltd	
Beaver Fire Insurance Co	
Bee Fire Insurance Company	
Boston Insurance Co	
British American Assurance Co	
British & European Insurance Co., Ltd	
British Canadian Insurance Co	
British Crown Assurance Corporation, Ltd	
British Empire Assurance Co	
British General Insurance Co., Ltd	
British Law Insurance Co., Ltd	
British Northwestern Fire Insurance Co	
British Oak Insurance Co., Ltd	
British Pacific Insurance Company	
British Traders Insurance Co., Ltd	
Buffalo Insurance Co	
Caledonian American Insurance, Co	
Caledonian Insurance Co	
California Insurance Co	
Camden Fire Insurance Association	
Canada Accident & Fire Assurance Co	
Canada Security Assurance Co	
Canadian Alliance Insurance Company	
Canadian Fire Insurance Co	
Canadian General Insurance Co	
Canadian Home Assurance Co	
Canadian Indemnity Co	
Canadian Mercantile Insurance Co	
Canadian Surety Co	
Car & General Insurance Corporation, Ltd	
Casualty Co. of Canada	
Central Insurance Co., Ltd	
Central Manufacturers Mutual Insurance Co	
Central Union Insurance Co	
Century Insurance Co., Ltd	
Citizens Insurance Co. of Jersey City	
City of New York Insurance Co.     (See note.)	
Columbia Insurance Co. of New York	
Commerce Mutual Fire Insurance Co	
Commercial Union Assurance Co., Ltd	
Commercial Union Fire Insurance Co. of New York	
Connecticut Fire Insurance Co	
Consolidated Fire & Casualty Insurance Co	
Continental Insurance Co	
Cornhill Insurance Co., Ltd	
Dominion Fire Insurance Co	
Dominion of Canada General Insurance Co	
Eagle Fire Co. of New York	
Eagle Star Insurance Co., Ltd	
Economical Mutual Fire Insurance Co	
Employers Liability Assurance Corporation, Ltd	
Ensign Insurance Co	
Equitable Fire & Marine Insurance Co	
Essex & Suffolk Equitable Insurance Society, Ltd	
Eureka Security Fire & Marine Insurance Co	
Carried forward..
(1.)
$53,797
110,627
29,862
217,307
30,751
13,837
7,676
20,196
35,125
56,616
22,866
66,093
92
29,018
29,934
181,254
8,391
18,421
39,421
70,200
3,838
39,491
29,618
79,743
9,595
22,960
19,745
32,351
25,001
52,579
13,904
17,863
78,244
3,838
23,629
21,110
13,685
8,602
81,135
38,684
36,302
51,234
80,239
49,764
16,230
8,956
12,816
5,385
1,554
90,403
4,331
17,932
92,602
143,439
1,919
40,316
34,494
123,753
52,504
44,079
31,051
11,595
104,918
35,189
77,501
16,612
8,063
6,552
24,580
$2,889,402
(2.)
$31,221
102,307
10,352
131,509
27,880
10,085
6,857
23,701
32,682
40,993
30,158
56,597
88
14,564
26,166
135,564
4,873
18,443
19,737
56,485
3,455
27,935
25,771
76,346
8,607
10,057
17,191
26,617
18,214
41,984
19,299
16,215
64,263
3,330
21,378
18,866
11,469
61,377
36,206
40,790
32,797
60,606
30,189
" 15,422
15,125
12,520
4,004
7,658
50,525
3,073
12,112
82,298
124,797
1,718
31,166
27,925
94,635
44,513
44,844
24,615
7,401
91,823
27,965
67,454
16,052
6,233
5,250
18,429
$2,290,781
(3.)
$30,564
95,098
54,071
159,622
4,526
6,901
2,660
8,720
13,602
31,626
10,261
32,953
17,984
11,121
81,666
2,122
13,706
746
13,407
1,330
16,377
12,854
52,716
3,325
3,652
8,569
18,578
7,074
37,177
2,522
4,081
33,260
1,330
14,370
7,316
7,091
8,870
22,522
25,496
22,901
26,658
30,231
12,963
4,845
6,293
3,748
1,662
2,613
30,707
4,031
10,188
43,130
71,677
665
13,596
9,542
97,179
13,035
10,958
5,702
6,041
69,666
28,042
61,631
1,976
2,719
1,708
12,167
$1,486,140
Per Cent.
97.90
92.95
522.32
121.38
16.23
68.43
38.79
36.79
41.62
77.15
34.02
58.22
123.48
42.50
60.24
43.55
74.32
3.78
23.74
38.49
58.63
49.88
69.05
38.63
36.31
49.85
69.80
38.84
88.55
13.07
25.17
51.76
39.93
67.22
38.78
61.83
36.69
70.42
56.14
81.29
49.88
42.94
31.41
41.61
29.94
41.50
34.12
60.77
131.17
84.11
52.41
57.43
38.70
43.62
34.17
102.68
29.28
24.44
23.16
81.62
75.87
100.27
91.37
12.33
43.62
32.53
66.02 F  74 BRITISH COLUMBIA.
TABLE III.—FIRE INSURANCE PREMIUMS AND LOSSES FOR 1948—Continued.
Name of Insurer.
Net
Premiums
written.
Net
Premiums
earned.
Net Losses
incurred.
Ratio of
(3) to (2).
Brought forward	
Excess Insurance Co., Ltd	
Federal Fire Insurance Co. of Canada	
Federal Insurance Co	
Federation Insurance Co. of Canada	
Fidelity-Phenix Fire Insurance Co. of New York	
Fire Association of Philadelphia	
Fire Insurance Co. of Canada	
Fireman's Fund Insurance Co	
Firemen's Insurance Co. of Newark	
First National Insurance Co. of America.     (See note.)	
Fonciere Fire Insurance Co. of Paris, France	
Franklin Fire Insurance Co. of Philadelphia.     (See note.)
General Accident Assurance Co. of Canada	
General Accident Fire & Life Assurance Corp., Ltd	
General Insurance Co. of America	
General Security Insurance Co. of Canada	
Gibraltar Fire & Marine Insurance Co.     (See note.)	
Girard Fire & Marine Insurance Co	
Glens Falls Insurance Co	
Globe Indemnity Co. of Canada	
Gore District Mutual Fire Insurance Co	
Grain Insurance and Guarantee Co	
Granite State 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	
Hartford Fire Insurance Co	
Helvetia Swiss Fire Insurance Co., Ltd	
Home Assurance Co. of Canada	
Home Fire & Marine Insurance Co. of California	
Home Insurance Co	
Homestead Fire Insurance Co.     (See note.)	
Hudson Bay Insurance Co	
Imperial Assurance Co	
Imperial Guarantee & Accid. Insur. Co. of Canada	
Imperial Insurance Office	
Indiana Lumbermen's Mutual Insurance Co	
Insurance Co. of North America	
Jersey Insurance Co	
Kansas City Fire & Marine Insurance Co	
Law, Union & Rock Insurance Co., Ltd	
Legal & General Assurance Society, Ltd	
Liverpool & London & Globe Insurance Co., Ltd	
Liverpool-Manitoba Assurance Co	
Local Government Guarantee Society, Ltd.     (See note.)	
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. of Boston, Mass	
Manufacturers Mutual Fire Insurance Co	
Marine Insurance Co., Ltd	
Mercantile Insurance Co	
Merchants & Manufacturers Insurance Co	
Merchants Fire Assurance Corporation of New York	
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	
Carried forward	
(1.)
$2,889,402
18,733
62,598
9,697
100,008
129,202
24,743
57,166
138,994
41,783
30,534
32,778
197,136
11,092
15,556
16,020
103,588
2,426
38,469
101,468
203,112
31,080
32,490
123,510
33,566
1,962
157,289
23,839
32,790
179,380
20,045
17,932
23,239
23,891
6,548
106,019
19,124
56,343
111,332
138,399
25,632
37,990
19,808
209,717
5,870
3,166
107,303
17,014
26,899
120,836
9,479
8,175
50,367
25,294
15,767
47,575
19,411
19,063
13,944
12,392
7,055
$6,165,097
(2.)
$2,290,781
17,329
66,614
2,965
102,568
23,176
49,650
111,775
35,743
18,550
27,741
171,312
5,837
1,126
14,689
15,652
104,663
2,512
20,697
83,598
175,193
27,190
33,573
135,150
27,703
33,803
134,850
11,408
22,213
189,716
19,584
22,438
14,308
16,955
7,536
99,743
16,715
1,871
57,719
92,531
127,465
25,043
34,761
21,814
166,864
4,564
10,020
101,835
11,647
23,332
102,950
8,198
2,540
5,445
21,391
17,775
53,418
14,316
20,418
16,024
28,079
5,136
(3.)
$1,486,140
Per Cent.
20,801
2,123
15,262
48,587
22,569
24,061
44,005
3,444
16,037
30,368
31,189
1,061
23
2,778
4,685
62,213
11,388
50,605
110,365
16,248
65,322
49,250
18,036
1,211
15,123
3,916
111,717
5,862
9,384
15,375
10,639
7,067
72,126
7,105
3
14,271
54,626
69,342
7,496
49,348
6,372
109.033
2,359
4,101
117,683
10,433
14,880
57,240
7,267
i;763
29
5,928
4,242
14,269
10,469
23,669
10,299
8,780
408
$5,130,212
$3,004,204
21.98
31.22
71.60
47.37
97.38
48.46
39.37
9.64
86.45
109.47
18.20
18.18
2.04
18.91
29.93
59.44
55.02
60.53
62.99
60.00
194.56
36.44
51.51
3.58
132.56
17.63
58.88
29.93
41.82
107.46
62.75
93.78
72.31
42.51
.16
24.72
59.03
54.40
29.93
141.96
29.21
65.34
51.69
40.93
115.56
89.58
63.77
55.60
88.64
69.41
.53
32.39
23.86
26.71
73.13
116.00
64.27
31.27
7.94 REPORT OF SUPERINTENDENT OF INSURANCE, 1948. F  75
TABLE III.—FIRE INSURANCE PREMIUMS AND LOSSES FOR 1948—Continued.
Name of Insurer.
Net
Premiums
written.
Net
Premiums
earned.
Net Losses
incurred.
Ratio of
(3) to (2).
Brought forward..
Milwaukee Mechanics' Insurance Co	
Missisquoi & Rouville Mutual Fire Insurance Co	
Monument Insurance Company, Ltd	
Motor Union Insurance Co., Ltd	
Mutual Fire Insurance Co. of British Columbia	
Mutual Implement & Hardware Insurance Co	
National Ben Franklin Fire Insurance Co	
Nationale Fire Insurance Co	
National Fire Insurance Co. of Hartford	
National Liberty Insurance Co. of America.     (See note.).
National Liverpool Insurance Co., Ltd	
National Provincial Insurance Co., Ltd	
National Retailers Mutual Insurance Co	
National Union Fire Insurance Co. of Pittsburgh, Pa	
Newark Fire Insurance Co	
New Brunswick Fire Insurance Co.     (See note.)	
New England Fire Insurance Co	
New Hampshire Fire Insurance Co	
New York Underwriters Insurance Co	
New Zealand Insurance Co., Ltd	
Niagara Fire Insurance Co	
Non-Marine Underwriters, Members of Lloyd's, London,
Eng	
North British & Mercantile Insurance Co., Ltd	
North Empire Fire Insurance Co	
North  River Insurance Company	
Northern Assurance Co., Ltd	
Northwestern Mutual Fire Association	
Northwestern National Insurance Co	
North West Fire Insurance Co	
Norwich Union Fire Insurance Society, Ltd	
Occidental Fire Insurance Co	
Ocean Accident & Guarantee Corporation, Ltd	
Ohio Farmers Insurance Co	
Pacific Coast Fire Insurance Co	
Pacific Fire Insurance Co	
Palatine Insurance Co., Ltd	
Patriotic Assurance Co., Ltd	
Pearl Assurance Co., Ltd	
Pennsylvania Lumbermen's Mutual Fire Insurance Co	
Perth Mutual Fire Insurance Co	
Philadelphia Fire & Marine Insurance Co	
Phoenix Assurance Co., Ltd	
Phoenix Insurance Co	
Pioneer Equitable Insurance Co. of Indiana	
Pioneer Insurance Co	
Planet Assurance Co., Ltd	
Providence Fire Insurance Co	
Providence Washington Insurance Co	
Provincial Insurance Co., Ltd	
Prudential Assurance Co., Ltd	
Quebec Fire Assurance Co	
Queen Insurance Co	
Queensland Insurance Co., Ltd	
Railway Passengers Assurance Co	
Reliance Insurance Co. of Canada	
Royal Exchange Assurance	
Royal Insurance Co., Ltd	
Royal Plate Glass & General Ins. Co. of Canada.     (See
note.)	
Royal Scottish Insurance Co., Ltd	
Ruby General Insurance Company	
St. Paul Fire & Marine Insurance Co	
Saskatchewan Mutual Fire Insurance Co	
Scottish Canadian Assurance Corporation	
Scottish Insurance Corporation, Ltd	
Scottish Metropolitan Assurance Co., Ltd	
Scottish Union & National Insurance Co	
Sea Insurance Co., Ltd	
Security Insurance Co. of New Haven	
Carried forward..
(1.)
6,165,097
348,869
25,671
17,009
8,115
45,900
84,354
18,300
20,633
114,040
12,816
8,115
1,820
4,135
— 1,027
3,486
33,167
24,648
71,677
60,091
893,610
60,388
17,932
31,636
58,970
205,021
20,307
7,676
105,222
32,725
21,777
113,432
22,458
34,091
23,029
27,925
94,737
5,822
34,268
23,820
179,490
112,600
11,275
19,397
27,977
73,955
51,543
200,143
29,216
—4,293
99,081
15,148
20,328
78,584
287,020
7,899
19,652
65,254
75,520
29,650
27,392
16,596
73,015
32,508
31,158
(2.)
$5,130,212
298,431
25,316
17,975
7,712
44,415
45,264
16,375
22,895
131,131
12,521
7,712
2,321
5,661
13,068
4,006
27,825
21,946
54,312
43,458
367,715
56,724
20,732
25,535
37,204
201,674
16,935
6,875
95,038
23,014
19,323
87,553
19,283
29,791
20,631
21,187
89,387
6,625
30,446
33,201
172,866
77,885
11,018
17,108
11,716
32,549
48,553
154,146
25,101
54,623
75,505
11,186
15,713
77,198
190,837
8,733
1,666
56,554
67,029
18,826
25,520
14,658
57,444
27,019
22,425
$10,481,711    I    $8,417,307
(3.)
5,004,204
125,000
16,351
5,022
2,423
14,711
2,849
2,573
14,524
62,419
3,748
2,423
180
44,775
4,030
 2,575
22,522
18,400
49,028
26,912
947,752
12,374
9,385
18,163
30,074
44,048
8,326
2,661
64,234
9,327
7,316
34,426
10,659
12,666
7,981
9,828
73,729
1,162
21,972
31,307
93,818
43,637
3,298
8,697
4,992
24.599
20,320
97,291
9,104
16,855
67,086
1,649
6,855
38,783
63,623
5,468
380
45,024
30,980
19,602
12,085
9,569
58,724
18,620
25,898
Per Cent.
$5,509,016
41.89
64.59
27.94
31.41
33.12
6.29
15.71
63.43
47.60
29.93
31.41
7.83
790.94
30.84
64.28
80.94
83.84
90.27
61.93
257.74
21.81
45.27
71.13
80.84
21.84
49.16
38.71
67.59
40.53
37.86
39.32
55.28
42.52
38.68
46.39
82.48
17.54
72.17
94.30
54.27
56.03
29.93
50.84
42.61
75.57
41.85
63.12
36.27
30.86
88.85
14.74
43.63
50.23
62.61
22.82
79.00
46.21
104.12
47.35
65.28
102.23
68.91
115.48 F 76 BRITISH COLUMBIA.
TABLE III.—FIRE INSURANCE PREMIUMS AND LOSSES FOR 1948—Continued.
Name of Insurer.
Net
Premiums
written.
Net
Premiums
earned.
Net Losses
incurred.
Ratio of
(3) to (2).
Brought forward	
Security National Insurance Co	
Sentinel Fire Insurance Co	
South British Insurance Company, Ltd	
Southern Insurance Co., Ltd	
Springfield Fire & Marine Insurance Co	
Standard Insurance Co. of New York	
Stanstead & Sherbrooke Insurance Co	
State Assurance Co., Ltd	
Sun Insurance Office, Ltd	
Switzerland General Insurance Co., Ltd	
Toronto General Insurance Co	
Transcontinental Insurance Co	
Travelers Fire Insurance Co	
Union Assurance Society, Ltd	
Union Fire, Accident & General Insurance Co....
Union Insurance Society of Canton, Ltd	
Union Marine & General Insurance Co., Ltd	
United British Insurance Co., Ltd. (See note.)
United Firemen's Insurance Co. of Philadelphia
United Mutual Fire Insurance Co	
United States Fire Insurance Corporation	
Unity Fire Insurance Corporation	
Utah Home Fire Insurance Co	
Wawanesa Mutual Insurance Co	
Wellington Fire Insurance Co	
Westchester Fire Insurance Co	
Western Assurance Co	
Western Fire Office.     (See note.)	
Western Union Insurance Co ,
World Fire & Marine Insurance Co	
World Marine & General Insurance Co., Ltd	
Yorkshire Insurance Co., Ltd	
Totals	
Totals for 1947	
(1.)
$10,481,711
4,936
3,486
38,000
7,622
171,012
32,419
47,983
8,115
112,738
41,487
31,651
15,455
85,693
36.462
31,865
97,646
26,899
17,932
26,115
114,229
15,092
164,241
207,457
52,598
6,795
55,992
9,666
51,373
6,895
46,969
(2.)
$8,417,307
4,295
4,006
34,018
15,463
188,085
19,764
48,021
7,712
95,240
28,157
29,623
7,274
89,989
32,418
28,758
77,970
23,332
12,112
19,425
108,319
10,933
143,448
177,841
46,997
13,575
19,258
13,877
34,996
10,751
42,195
$12,050,534
1,805,159
$9,758,226
$7,887,172
(3.)
$5,509,016
2,142
2,575
25,480
3,096
193,605
37,513
25,886
2,423
42,849
27,234
20,861
5,925
92,858
12,637
12,523
69,043
14,880
10,188
803
112,286
4,779
133,705
45,217
23,963
3,383
36,071
13,008
28,433
5,468
25,097
Per Cent.
$6,542,947
$3,329,916
49.88
64.27
74.90
20.02
102.93
189.80
53.91
31.41
44.15
96.72
70.42
81.45
103.19
38.98
43.54
88.55
63.77
' 84.11
4.14
103.66
43.71
93.21
25.42
50.98
24.92
187.30
93.73
81.25
50.86
59.48
66.73
42.22
Note.—The entire business of this Insurer has been reinsured by one or more Insurers whose names are
included in the foregoing table, and the figures in the latter cases are included in the figures for that Insurer or
Insurers.
Reciprocal Exchanges.
Name of Exchange.
Net Premium
Deposits
written.
Net Premium
Deposits
earned.
Net Losses
incurred.
Ratio of
(3) to (2).
Affiliated Underwriters	
American Exchange Underwriters	
Canadian Reciprocal Underwriters	
Canners Exchange Subscribers at Warner Inter Insurance Bureau	
Fireproof Sprinklered Underwriters	
Individual Underwriters	
Lumbermen's Underwriting Alliance	
Metropolitan Inter-Insurers	
New York Reciprocal Underwriters	
Underwriters Exchange	
Totals	
Totals for 1947	
(1.)
$25,441
4,120
1,325
7,456
2,503
7,386
61,313
5,438
6,548
5,729
1,423 |
(2.)
$20,247
3,493
1,207
9,301
1,624
5,828
46,216
4,494
6,193
3,198
$127,259 |   $101,801
$67,859
(3.)
$3,489
481
187
213
802
98,953
481
694
—279
$105,021
$23,838
Per Cent.
17.23
13.78
15.46
13.14
13.76
214.11
10.71
11.21
103.16
35.13 REPORT OF SUPERINTENDENT OF INSURANCE, 1948.
F  77
TABLE IV.—FIRE INSURANCE SUMMARY.
(Figures shown in nearest thousand.)
Year.
Net Premiums
written.
Net Premiums
earned.
Net Losses
incurred.
Ratio Losses
incurred to
Premiums
earned.
1944	
$5,734,000
5,823,000
7,335,000
9,758,000
12,051,000
$5,137,000
5,479,000
6,058,000
7,887,000
9,805,000
$2,096,000
2,686,000
2,185,000
3,329,000
6,543,000
Per Cent.
1945                 	
1946 :	
1947	
1948	
66 73
TABLE V.—AUTOMOBILE INSURANCE PREMIUMS AND LOSSES FOR 1948.
(Figures shown in nearest dollar.)
Name of Insurer.
Net
Premiums
written.
Net
Premiums
earned.
Net Losses
incurred.
Ratio of
(3) to (2).
(1.)
(2.)
(3.)
Per Cent.
$22,537
$11,710
$12,533
107.03
556
8,986
14,769
450
22,837
43,740
127
7,751
22,909
27.61
33.94
52.37
4,206
27,461
3,370
41,787
711,972
155,072
58,820
95,486
20,340
26,009
28,292
65,604
75,097
23,328
6,747
68,479
37,747
69,863
49,579
52,015
67,012
22,544
117,134
12,052
100,812
3,977
22,751
3,006
27,795
573,665
129,259
47,317
83,662
17,472
23,262
22,194
38,855
59,751
17,011
5,475
50,239
31,961
63,806
44,665
38,547
58,175
11,927
94,258
9,491
93,165
1,277
■    16,058
390
14,737
261,307
102,093
23,851
74,413
14,235
13,873
17,258
22,482
36,086
7,644
5,397
40,930
21,980
32,197
26,819
46,729
32,671
4,645
56,153
4,939
54,806
32.11
70.58
12.99
53.02
45.55
78.98
50.41
88 94
81 47
59 63
57.86
60.39
44.94
98.58
81.47
68.77
50.46
60.04
121.23
56.15
38.94
59.57
52.03
58.83
Central Manufacturers Mutual Insurance Co.  (See note.)..
740
28,911
22,550
304,479
33,053
1,795
1,819
1,669
24,173
9,464
180,993
7,353
53,604
38,411
399
23,621
12,206
241,471
28,067
2,273
1,531
999
19,244
8,597
162,903
4,661
47,112
34,572
16,287
4,645
121,448
25,633
1,616
486
1,945
22,232
6,219
88,358
2,490
25,500
28,158
194 56
115 53
72 34
53 42
54 13
81 45
$2,686,690
$2,238,079
$1,321,307 F  78 BRITISH COLUMBIA.
TABLE V.—AUTOMOBILE INSURANCE PREMIUMS AND LOSSES
FOR 1948—Continued.
Name of Insurer.
Brought forward..
Eureka-Security Fire & Marine Insurance Co-
Federal Fire Insurance Co	
Federal Insurance Co ,
Fidelity & Casualty Co. of New York	
Fidelity Insurance Co. of Canada	
Fidelity-Phenix Fire Insurance Co. of New York	
Fire Association of Philadelphia	
Fireman's Fund Insurance Co	
Firemen's Insurance Co. of Newark	
First National Insurance Co. of America.    (See note.)	
Franklin Fire Insurance Co. of Philadelphia.    (See note.)
General Accident Assurance Co. of Canada	
General Accident Fire & Life Assur. Corporation, Ltd	
General Casualty Co. of America	
General Exchange Insurance Corporation	
General Insurance Co. of America	
General Security Insurance Co. of America	
Gibraltar Fire & Marine Insurance Co.    (See note.)	
Glens Falls Insurance Co	
Globe Indemnity Co. of Canada	
Gore District Mutual Fire Insurance Co	
Great American Indemnity Co	
Great American Insurance Co	
Guardian Assurance Co., Ltd	
Guardian Insurance Co. of Canada	
Guildhall Insurance Co., Ltd	
Halifax Insurance Co ,	
Hardware Dealers Mutual Fire Insurance Co	
Hartford Accident & Indemnity Co	
Hartford Fire Insurance Co	
Home Assurance Co. of Canada ,
Home Insurance Co	
Homestead Fire Insurance Co.    (See note.)	
Hudson Bay Insurance Co.    (See note.)	
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 Co. of New York	
Kansas City Fire & Marine Ins. Co	
Law, Union & Rock Insurance Co., Ltd	
Legal & General Assurance Society, Ltd	
Liberty Mutual Insurance Co	
Liverpool & London & Globe Insurance Co., Ltd	
Liverpool-Manitoba Assurance Co	
London & County Insurance Co., Ltd	
London & Edinburgh Insurance Co., Ltd	
London & Lancashire Guarantee & Accident Co. of Canada
London & Lancashire Insurance Co., Ltd	
London & Provincial Marine-General Insurance Co., Ltd.
London & Scottish Assurance Corporation, Ltd	
London Assurance	
London-Canada Insurance Co	
London Guarantee & Accident Co., Ltd	
Lumbermen's Mutual Casualty Co	
Marine Insurance Co., Ltd	
Maryland Casualty Co	
Merchants Marine Insurance Co., Ltd ,
Mercury Insurance Co ,
Metropolitan Casualty Insurance Co	
Michigan Fire & Marine Insurance Co ,
Milwaukee Mechanics' Insurance Co	
Monument Insurance Co., Ltd	
Motor Union Insurance Co., Ltd	
Mutual Implement & Hardware Insurance Co	
National Ben Franklin Fire Insurance Co	
Carried forward-
Net
Premiums
written.
Net
Premiums
earned.
(1.) | (2.)
:,686,690 $2,238,079
779
46,861
445
5,924
3,384
1,156
50,747
23,867
157,912
77,896
90,738
31,926
72,898
98,275
6,795
4,079
97,154
794,187
99,576
93,517
1,047
123,405
11,893
1,754
20,927
11,873
1,219
448
50,
46,
2.
41.
8
13.
67,
164.
32,
15,
1
15
90
60
13.
8
1
17,
4,
31
246.
4,
197,
2
20
904
972
256
160
149
154
828
128
338
797
538
000
653
466
386
667
762
094
437
218
520
655
176
430
783
927
628
46,258
331
4,013
2,916
756
41,806
20,464
152,476
52,600
83,135
84
34,761
66,081
84,799
5,747
3,467
88,324
678,171
83,479
87,717
1,746
99,227
11,215
11,399
15,877
10,905
1,339
352
39,704
37,680
1,537
36,825
7,300
12,914
42,596
132,748
28,254
13,682
1,352
13,553
74,013
120,183
11,363
7,578
1,634
14,336
3,218
27,258
3,771
228,324
4,558
145,989
1,845
17,816
$5,776,770     |
1,958,183
Net Losses
incurred.
Ratio of
(3) to (2).
(3.)
$1,321,307
2,158
28,863
224
1,373
131
28,396
10,132
137,194
45,200
42,941
25
11,015
29,015
50,507
5,454
934
103,004
529,956
36,124
35,062
— 135
70,800
7,695
10,364
8,989
— 1,525
22,691
17,890
237
17,133
3,370
4,327
32,319
108,063
9,111
7,869
243
6,865
59,599
68,749
6,102
1,511
885
5,672
3,137
23,224
2,010
184,133
1,691
118,122
— 134
11,245
Per Cent.
343.63
62.39
5.57
47.08
17.33
67.92
49.51
89.98
85.93
51.65
29.76
31.68
43.90
59.56
94.90
26.94
116.62
78.14
40.82
39.97
71.35
67.50
65.28
82.44
57.15
46.25
15.42
46.52
46.16
33.50
75.87
81.40
32.24
57.51
17.97
50.65
80.52
57.20
53.70
19.90
54.16
39.56
97.00
85.20
53.30
80.65
37.09
80.91
63.12
1,231,267 REPORT OF SUPERINTENDENT OF INSURANCE, 1948.
F  79
TABLE V.—AUTOMOBILE INSURANCE PREMIUMS AND LOSSES
FOR 1948—Continued.
Name of Insurer.
Net
Premiums
written.
Net
Premiums
earned.
Net Losses
incurred.
Ratio of
(3) to (2).
Brought forward..
National Fire Insurance Co. of Hartford	
National Liberty Insurance Co. of America.    (See note.)...
National Liverpool Insurance Co	
National Retailers Mutual Insurance Co	
National Union Fire Insurance Co. of Pittsburgh, Pa	
Newark Fire Insurance Co	
New Brunswick Fire Insurance Co.    (See note.)	
New England Fire Insurance Co	
New Hampshire Fire Insurance Co ,
New York Underwriters Insurance Co	
New Zealand Insurance Co., Ltd	
Niagara Fire Insurance Co	
Non-Marine Underwriters, Members of Lloyd's, London,
Eng	
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 Indemnity Co	
Ohio Fanners Insurance Co.	
Pacific Coast Fire Insurance Co	
Pacific Indemnity Co	
Palatine Insurance Co., Ltd	
Patriotic Assurance Co., Ltd	
Pearl Assurance Co., Ltd	
Phoenix Assurance Co., Ltd	
Phoenix Insurance Co	
Pioneer Equitable Insurance Co. of Indiana	
Pioneer Insurance Co.    (See note.)	
Providence Washington Insurance Co ,
Provincial Insurance Co., Ltd	
Prudential Assurance Co., Ltd	
Queen Insurance Co. of America	
Queensland Insurance Co., Ltd	
Railway Passengers Assurance Co	
Royal Exchange Assurance	
Royal Insurance Co., Ltd	
Royal Plate Glass & General Insurance Co. of Canada.
(See note.)	
Ruby General Insurance Co.	
St. Paul Fire & Marine Insurance Co.	
St. Paul Mercury Indemnity Co. of St. Paul	
Saskatchewan Mutual Fire Insurance Co	
Scottish Canadian Assurance Corporation	
Scottish Insurance Corporation, Ltd	
Scottish Metropolitan Assurance Co., Ltd	
Scottish Union & National Insurance Co	
Security Insurance Co. of New Haven	
Service Fire Insurance Co. of New York	
South British Insurance Co., Ltd.    (See note.)	
Southern Insurance Co., Ltd	
Springfield Fire & Marine Insurance Co.	
Standard Insurance Co. of New York	
Sun Insurance Office, Ltd	
Switzerland General Insurance Co., Ltd	
Toronto General Insurance Co. :	
Transcontinental Insurance Co	
Travelers Fire Insurance Co ,
Travelers Indemnity Co	
Travelers Insurance Co	
Union Assurance Society, Ltd	
Union Fire, Accident & General Insurance Co	
Union Insurance Society of Canton, Ltd	
(1.)
$5,776,770
8,912
15,255
17
139,466
(2.)
$4,958,183
6,747
472
380
4,093
6,841
130
942
50,469
51,197
3,833
2,358
171,901
96,921
25,370
22,091
107,962
• 86,487
177,268
153,110
124
88
80,318
65,236
23,662
16,933
114,415
98,295
54,610
45,395
44,425
30,797
26,070
21,910
5,994
3,265
12,713
10,923
15,495
12,793
59,849
46,630
87,193
112,154
36
76
42,856
39,456
184,350
127,656
4,912
8,210
113,477
99,809
18,100
18,806
98,209
68,318
103,322
85,986
110,676
13,545
28,035
20,362
38,599
26,515
206,274
172,516
24,156
15,606
23,171
14,272
14,751
13,437
64,886
53,091
25,337
24,347
9,153
7,583
4,548
32,993
32,877
25,790
10
10
40,564
36,543
9,442
11,173
3,723
3,090
25,263
21,216
13,118
15
110,967
(3.)                Per Cent.
$3,231,267    |        	
2,829
—450
3,752
32,932
741
138,229
15,939
91,311
131,430
—40
32,470
11,910
80,079
17,259
13,189
16,058
8,583
8,898
7,060
27,857
71,519
298
28,471
87,711
4,502
70,230
2,700
51,070
37,523
6,830
11,920
18,801
78,375
7,818
9,822
5,841
40,597
14,969
5,353
17,587
28,319
2
21,943
8,587
539
17,924
10,677
2    I
67,016    [
54.85
53.29
64.32
31.42
142.62
72.15
105.58
85.84
49.77
70.34
81.47
38.02
42.82
73.29
263.00
81.46
55.18
59.74
63.77
392.10
72.16
68.71
54.84
70.36
14.36
74.75
43.63
50.42
58.00
71.00
45.43
50.10
68.82
43.47
76.47
61.5
70.59
53.30'
109.81
20.00
60.05
76.85
17.44
84.48
81.45
60.39
1,233,513
$6,914,182
$4,598,751 F 80
BRITISH COLUMBIA.
TABLE V,
-AUTOMOBILE INSURANCE PREMIUMS AND LOSSES
FOR 1948—Continued.
Name of Insurer.
Net
Premiums
written.
Net
Premiums
earned.
Net Losses
incurred.
Ratio of
(3) to (2).
$8,233,513
77,868
$6,914,182
72,041
$4,598,751
41,403
67.47
1,278
19,963
351
6,485
726
18,167
164
12,143
436
21,935
—5,231
6,065
60.05
120.74
49.95
207
173
274,846
43,032
150,442
53,619
239,876
46,194
109,236
47,506
158,308
28,149
69,576
28,929
65.99
60.93
63.69
60.89
11,455
45,858
296,888
9,957
38,331
235,150
13,642
22,485
129,140
137.01
58.66
Zurich General Accident & Liability Insurance Co., Ltd	
54.92
Totals 1948	
$9,215,805
$7,743,846
$5,113,588
66.03
Totals 1947	
$6,276,602
$5,321,828
$3,264,852
61.35
Note.—The entire business of this Insurer has been reinsured by one or more Insurers whose names are
included in the foregoing table, and the figures in the latter cases are included in the figures for that Insurer or
Insurers.
Reciprocal Exchanges.
Name of Exchange.
Net Premium
Deposits
written.
Net Premium
Deposits
earned.
Net Losses
incurred.
Ratio of
(3) to (2).
(1.)
$3,341
(2.)
$1,935
(3.)
$1,907
Per Cent.
98.53
TABLE VI.—AUTOMOBILE INSURANCE SUMMARY.
(Figures shown in nearest thousand.)
Year.
Net Premiums
written.
Net Premiums
earned.
Net Losses
incurred.
Ratio Losses
incurred to
Premiums
earned.
1944	
$2,736,000
3,116,000
4,067,000
6,277,000
9,216,000
$2,662,000
2,938,000
3,636,000
5,322,000
7,744,000
$1,232,000
1,805,000
2,272,000
3,265,000
5,114,000
Per Cent.
46.27
61.44
62.47
61.35
66.03
1945	
1946	
1947	
1948	 REPORT OF SUPERINTENDENT OF I>
TABLE VII.—MISCELLANEOUS INSURANCE PREI
(Figures shown in nearest d
ISURANCE, 1948.
«UMS AND LOSSES
ollar.)
[SURANCE.
F 81
FOR 1948.
ACCIDENT AND SICKNESS IIS
Name of Insurer.
Accident Insurance.
Sickness Insurance.
Net Premiums
written.
Net Losses
incurred.
Net Premiums
written.
Net Losses
incurred.
i
f            $215    1                $47
1
     1     	
I       *87,286
13
549
5
37
4,345
6,075
3,347
10,962
2,829
71,223
104
.
7,382
—441
925
5,165
637
$3,391
$1,071
British Aviation Insurance Co	
2,678
8,683
683
2,623
10,438
713
3,444
410
1,234
440
•20
149
370
2,323
f                 82
{               *30
657
2
238
8
(           3,496
{             *227
135
7,491
3
f          29,230
{        *49,129
5,619
J               823
{        *72,511
12
65,045
136
332
— 159
1,145
589
494
— 185
407
—35
1
3,153
•15
     1    	
2,231
814
11,252
•19,348
3,135
18,228
955
8,268
66
•47,146
48,095
135,888
57,577
f         23,841
I          *1,478
6,825
•193
8,614
4,085
{         *3,764
4,251
340
2,523
165
f           4,882
j         *2,081
(            1,576
|              *48
4,207
•909
573
292
985
543
236
1,375
•512
673
24
2,947
838
734
76
88
1,814
1,398
140
f         15,430
|       *24,363
283
8,602
316
825
1,055
604
3
717
1,306
3,839
•15,173
6,625
3,693
2,209
129
187
971
67
311
409
-43
67
$460,089    I       $251,217
1
$197,098
$93,775
* Accident and sickness. F 82
BRITISH COLUMBIA.
TABLE VII.—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1948—Continued.
ACCIDENT AND SICKNESS INSURANCE—Continued.
Name of Insurer.
Accident Insurance.
Net Premiums
written.
Net Losses
incurred.
Sickness Insurance.
Net Premiums
written.
Net Losses
incurred.
Brought forward..
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	
Liberty Mutual Insurance Co	
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	
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	
Non-Marine Underwriters, Members of Lloyd's, London,
Eng	
North British & Mercantile Insurance Co., Ltd..
Northern Assurance Co., Ltd	
Northwest Casualty Co	
Norwich Union Fire Insurance Society, Ltd	
Occidental Fire Insurance Co	
Occidental Life Insurance Co	
Ocean Accident & Guarantee Corporation, Ltd..
Pearl Assurance Co., Ltd	
Phoenix Assurance Co., Ltd	
Protective Association of Canada..
Prudential Assurance Co., Ltd..
Prudential Insurance Co. of America-
Queensland Insurance Co., Ltd	
Railway Passengers Assurance Co	
Royal Exchange Assurance	
Royal Insurance Co., Ltd	
Saskatchewan Mutual Fire Insurance Co....
Scottish Canadian Assurance Corporation-
Scottish Metropolitan Assurance Co., Ltd...
South British Insurance Co., Ltd	
Southern Insurance Co., Ltd	
Sun Insurance Office, Ltd	
Toronto General Insurance Co	
Travelers Insurance Co	
Union Assurance Society, Ltd	
Union Insurance Society of Canton, Ltd	
Union Marine & General Insurance Co., Ltd..
United National Indemnity Co	
Carried forward..
$460,089
2,396
•17,550
1,925
5,894
1,643
242
201
5,600
765
•58
5
49
6,659
•212,775
•54,467
9,027
325
•13
400
11,309
•115,978
298
•474,284
•43,769
23,619
•189
3,740
•32,667
212
2,361
2,209
269
723
•11,650
7,958
253
1,690
67
•23,635
648
•1,190
498
•4,837
1,629
257
1,904
2,132
15
268
7
4,072
1,900
81,146
•473,221
364
6,229
762
50
$2,117,992
$251,217
•9,708
24
1,895
258
14
67
4,771
1,320
•144,043
•18,958
5,943
50
1,045
•73,770
•175,027
•25,280
6,070
590
•24,857
210
858
855
62
78
•6,624
2,041
1,021
•25,491
129
3,909
324
574
403
—5
1,633
937
21,117
•345,428
374
$1,157,376
$197,098
1,352
156
146
267
80
1,719
25
2,045
112
238
875
602
10
1,213
1,121
166
389
679
673
482
11,337
159
3,894
76
$224,914
$93,775
293
25
39
145
1,484
1,604
866
1,646
498
358
1,236
1,000
404
3,617
25
1,330
90
$108,472
* Accident and sickness. REPORT OF  SUPERINTENDENT OF INSURANCE, 1948.
F 83
TABLE VII.—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1948—Continued.
ACCIDENT AND SICKNESS INSURANCE—Continued.
Accident Insurance.
Sickness Insurance.
Name of Insurer.
Net Premiums
written.
Net Losses
incurred.
Net Premiums
written.
Net Losses
incurred.
!
!
I
$2,117,992
567
$1,157,376
11
$224,914
132
$108,472
— 11
418
3,643
81
•73
75
2,165
•1,337
3,433
•88,060
33
1,630
2,927
1,166
210
—1,673
738
•55,497
Zurich General Accident & Liability Insurance Co., Ltd	
119
Totals	
$2,217,844
$1,213,822
$228,092
$109,592
Totals for 1947	
$1,748,096
$926,800
$244,636
$96,046
AIRCRAFT AND PLATE-GLASS INSURANCE.
Name of Insurer.
Aircraft Insurance.
Net Premiums
written.
Net Losses
incurred.
Plate-glass Insurance.
Net Premiums
written.
Net Losses
incurred.
Aetna Insurance Co	
Alliance Assurance Co., Ltd	
American Equitable Assurance Co	
Anglo-Scottish Insurance Co., Ltd	
Atlas Assurance Co., Ltd	
Automobile Insurance Co. of Hartford	
Aviation & General Insurance Co., Ltd	
British America Assurance Co	
British Aviation Insurance Co	
British Canadian Insurance Co	
British Columbia Insurance Company	
British Columbia Plate Glass Insurance Co	
British Empire Assurance Co	
British Law Insurance Co	
British Northwestern Fire Insurance Co	
Canada Accident & Fire Assurance Co	
Canada Security Assurance Co	
Canadian Alliance Insurance Co	
Canadian Fire Insurance Co	
Canadian General Insurance Co	
Canadian Home Assurance Co	
Canadian Indemnity Co	
Canadian Mercantile Insurance Co	
Canadian Surety Co...	
Casualty Co. of Canada	
Century Indemnity Co	
Century Insurance Co., Ltd	
Commercial Casualty Insurance Co..:	
Commercial Union Assurance Co., Ltd	
Consolidated Fire & Casualty Insurance Co	
Continental Casualty Co	
Continental Insurance Co	
Dominion Fire Insurance Co	
Dominion of Canada General Insurance Co	
Eagle Star Insurance Co., Ltd	
Employers' Liability Assurance Corporation, Ltd.
Federal Fire Insurance Co. of Canada	
Carried forward	
$1,875
1,875
1,660
492
17,961
$144
114
159
46
9,726
2,673
3,462
3,415
324
2,258
1,879
$33,413    |
$14,650
$79
—5
1,539
1,253
5
34,198
1,237
73
356
1,518
187
790
2,011
17
2,980
787
294
463
541
271
4
155
14
1,995
461
3,206
1,628
$56,060
110
1,047
501
23,295
1,045
276
933
182
299
1,221
2,268
1,415
212
1,213
818
820
818
1,473
284
942
$39,178
: Accident and sickness. F 84
BRITISH COLUMBIA.
TABLE VII.—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1948—Continued.
AIRCRAFT AND PLATE-GLASS INSURANCE—Continued.
Aircraft Insurance.
Plate-glass Insurance.
Name of Insurer.
Net Premiums
written.
Net Losses
incurred.
Net Premiums
written.
Net Losses
incurred.
$33,413
$14,650
$56,060
16
$39,178
Fidelity & Casualty Co. of New York	
52
163
936
72
1,371
127
2,902
968
365
2,090
1,309
461
624
1,480
240
— 238
331
565
333
266
6,419
72
1,720
60
1,642
120
1,895
2,673
1,875
324
2,538
1,712
,
2,319
873
1,418
514
3,460
2,287
510
1,350
186
3,066
146
3,351
26
185
1,253
164
2,040
209
142
652
2
4,030
— 1,889
978
2,673
324
—5
1,220
120
929
155
688
1,485
172
1,023
	
1,875
144
727
269
	
Non-Marine Underwriters, Members of Lloyd's, London,
Eng	
58,095
3,529
625
164,611
1,575
48
153
557
-4
354
1,379
1,097
152
1,283
270
1,027
477
1,216
— 39
62
1,291
— 105
1,875
937
4,123
144
72
1,178
$115,984
$186,818
$96,470
$64,565 REPORT OF  SUPERINTENDENT OF INSURANCE, 1948.
F 85
TABLE VII.—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1948—Continued.
AIRCRAFT AND PLATE-GLASS INSURANCE—Continued.
Aircraft Insurance.
Plate-glass Insurance.
Name of Insurer.
Net Premiums
written.
Net Losses
incurred.
Net Premiums
written.
Net Losses
incurred.
$115,984
$186,818
$96,470
395
$64,565
339
232
1,506
1,239
—199
3,583
834
1,401
1,875
144
381
319
21
1,405
487
1,646
125
999
1,405
2,673
108
372
133
197
	
486
1,871
614
308
893
93
3,462
2,179
1,071
54
2,673
625
324
48
529
707
454
647
670
1,159
492
46
125
5
298
707
87
Totals	
$134,177
$190,873
$109,268
$72,310
Totals for 1947	
$69,417
$30,418
$91,842
$61,110
EMPLOYERS' LIABILITY AND PUBLIC-LIABILITY INSURANCE.
Name of Insurer.
Employers' Liability
Insurance.
Public-liability
Insurance.
Net Premiums
written.
Net Losses
incurred.
Net Premiums
written.
Net Losses
incurred.
i
$1,049
660
9,195
905
1,528
3,856
3,831
3,448
7
2,196
7,529
705
1,914
41,616
181
108,578
25
9,650
40
$19
700
— 14
	
$2,779
$23,468
4
101
7
150
427
3,667
126
3,132
13
6
43
90
3,254
45
8
2
16
693
7
17,845
10
13,602
2,301
37,725
32
4,658
8
89
$15,286
$5,094
$196,913
$94,553
Alliance Assurance Co., Ltd	
Anglo-Scottish Insurance Co., Ltd	
Arex Indemnity Co	
Atlas Assurance Co., Ltd	
British America Assurance Co	
British Aviation Insurance Co	
British Canadian Insurance Co	
British Empire Assurance Co	
British Law Insurance Co	
British Northwestern Fire Insurance Co	
Canada Accident & Fire Assurance Co	
Canada Security Assurance Co .....
Canadian Fire Insurance Co	
Canadian General Insurance Co	
Canadian Home Assurance Co	
Canadian Indemnity Co	
Canadian Mercantile Insurance Co ,
Canadian Surety Co	
Car and General Insurance Corporation, Ltd.
Carried forward	 F 86
BRITISH COLUMBIA.
TABLE VII.—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1948—Continued.
EMPLOYERS' LIABILITY AND PUBLIC-LIABILITY INSURANCE—Continued.
Name of Insurer.
Employers' Liability
Insurance.
Net Premiums
written.
Net Losses
incurred.
Public-liability
Insurance.
Net Premiums
written.
Net Losses
incurred.
Brought forward	
Casualty Co. of Canada	
Century Indemnity Co	
Century Insurance Co., Ltd	
Commerce Mutual Fire Insurance Co	
Commercial Casualty Insurance Co	
Commercial Union Assurance Co., Ltd	
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 Co	
Fidelity & Casualty Co. of New York	
Fidelity Insurance Co. of Canada	
General Accident Assurance Co. of Canada	
General Accident Fire & Life Assurance Corpn., Ltd	
General Casualty Co. of America	
General Insurance Co. of America	
General Security Insurance Co. of Canada	
Globe Indemnity Co. of Canada	
Gore District Mutual Fire Insurance Co	
Grain Insurance & Guarantee Co	
Great American Indemnity Co	
Guarantee Co. of North America	
Guardian Assurance Co., Ltd	
Guardian Insurance Co. of Canada	
Guildhall Insurance Co., Ltd	
Halifax Insurance Co	
Hartford Accident & Indemnity Co	
Hudson Bay Insurance Co	
Imperial Guarantee & Accident Insur. Co. of Canada	
Imperial Insurance Office	
Indemnity Insurance Co. of North America	
Insurance Company of North America	
Law, Union & Rock Insurance Co., Ltd	
Legal & General Assurance Society, Ltd ,
Liberty Mutual Insurance Co	
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	
London Guarantee & Accident Co., Ltd	
Lumbermen's Mutual Casualty Co	
Maryland Casualty Co	
Metropolitan Casualty Insurance Co	
Motor Union Insurance Co., Ltd	
National General Insurance Co ,
New Zealand Insurance Co., Ltd	
Non-Marine Underwriters, Members of Lloyd's, London,.
Eng	
North British & Mercantile Insurance Co., Ltd	
Northern Assurance Co., Ltd	
Northwest Casualty Co	
Norwich Union Fire Insurance Society, Ltd	
Occidental Fire Insurance Co	
Ocean Accident & Guarantee Corporation, Ltd	
Ohio Farmers Indemnity Co	
Pacific Indemnity Company	
Pearl Assurance Co., Ltd	
Phoenix Assurance Co., Ltd	
Prudential Assurance Co., Ltd	
Carried forward	
$15,286
:,142
244
5
48
822
93
1,427
189
1,873
298
1,457
26
14
9,850
20
576
865
1,268
440
46
33
2,601
33
144
372
-153
—36
28
2,867
103
201
1,400
39
35
70
194
5,845
$52,454
$5,094
3,578
5
233
76
13
162
— 126
112
2,156
—13
25
1,016
18
585
2,584
I
$196,913    | $94,553
972 157
5,457
25
35,983
4,973
841
2,314
— 19
5,109
82
29,081
841
6,133
13,619
3,853
22,188
7,776
3,711
344
451
49,186
48
4,494
4,310
253
10
47,250
874
11,061
70
860
13,903
47
1,257
1,656
4,392
94
758
4,034
20
74
40
61,752
1,108
4,822
4,498
4,202
245
6,247
4,326
262
4,760
3,078
4,235
$21,909
$584,873
— 1,095
25,955
2,492
1,006
367
1,234
8,757
1,006
190
15,476
370
1,268
4,269
2,607
21,812
2,963
415
11,046
—85
2,222
3,300
475
644
3,982
180
1,085
50
5,548
69,684
—220
397
617
2,994
23
2,669
1,831
2,276
—537
81
— 4,992
$287,052 REPORT OF SUPERINTENDENT OF INSURANCE, 1948.
F 87
TABLE VII.—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1948—Continued.
EMPLOYERS' LIABILITY AND PUBLIC-LIABILITY INSURANCE—Continued.
Employers' Liability
Insurance.
Public-liability
Insurance.
Name of Insurer.
Net Premiums
written.
Net Losses
incurred.
Net Premiums
written.
Net Losses
incurred.
$52,454
$21,909
$584,873
— 167
438
9,342
7,505
$287,052
585
248
2
282
383
48
— 118
8,663
4,040
208
200
201
24
68
485
— 125
34,050
716
1,350
758
35,507
866
749
6,404
25
6
14,600
28
264
53
1,916
48
1,095
584
8
38
799
— 8
15,404
— 1,116
90
1,272
841
2,392
1,006
9
4
95
1,805
880
740
11,442
155
19
Zurich General Accident & Liability Insurance Co., Ltd	
637
— 12,213
Totals	
$57,465
$23,326
$699,170
$321,957
Totals for 1947	
$41,253
$10,948
$564,427
$176,188
GUARANTEE AND THEFT INSURANCE.
Name of Insurer.
Guarantee Insurance.
Net Premiums
written.
Net Losses
incurred.
Theft Insurance.
Net Premiums
written.
Net Losses
incurred.
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 Law Insurance Co	
British Northwestern Fire Insurance Co
British Pacific Insurance Co	
Canada Accident & Fire Assurance Co....
Canada Security Assurance Co	
Canadian Fire Insurance Co	
Canadian General Insurance Co	
Canadian Home Assurance Co	
Canadian Indemnity Co	
Canadian Mercantile Insurance Co	
Canadian Surety Co	
Casualty Co. of Canada	
Century Indemnity Co	
Century Insurance Co., Ltd	
Carried forward	
$25
1,461
2,932
223
695
10,165
30,149
1,017
28,344
52,452
167
$129,019
$506
— 100
-50
1,320
3,733
2,500
1,884
5,668
$15,461
$317
277
621
4,677
1,647
4,559
13
1,406
2,596
2,566
4,841
14,110
1,265
24,235
286
4,649
1,069
1,056
$70,190
$416
125
1,118
79
2,410
12
2,042
670
2,995
5,297
447
5,441
161
1,582
483
$23,284 F 88
BRITISH COLUMBIA.
TABLE VII.—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1948—Continued.
GUARANTEE AND THEFT INSURANCE—Continued.
Guarantee Insurance.
Theft Insurance.
Name of Insurer.
Net Premiums
written.
Net Losses
incurred.
Net Premiums
written.
Net Losses
incurred.
$129,019
$15,461
$70,190
366
27,777
2,431
547
173
$23,284
161
5,742
151
15,361
898
—5
32
24
2,405
625
2,883
27
5,015
547
291
125
1,453
2,598
1,232
15,222
2,809
2,462
—5
—363
560
32
5,609
5,719
283
—50
1,049
— 145
5,102
8,232
1,125
232
80
105
1,488
1,333
11,575
4,615
7,184
6
848
1,101
3,515
6
-49
4,431
2,981
16,835
120
3,855
3,631
506
7,778
113
1,113
40
548
154
1,876
285
9,046
— 76
4,446
146
15,743
2,717
—422
3,305
1,078
892
17,563
130
513
7,942
89
90
1,308
3,183
71
5
2,083
99
2,230
17,384
1,451
2,005
2,131
3,789
216
4,600
3,011
5,563
1,726
1,141
1,508
9,024
733
1,554
524
9,397
125
2,909
123
London & Lancashire Guar. & Accident Co. of Canada	
—500
3,048
40
2,008
133
14
704
— 2,258
1,820
449
1,722
Non-Marine Underwriters, Members of Lloyd's, London,
8,591
322
672
11,358
13,547
—300
371
1,785
1,730
1,046
62
2,355
55
485
1,239
— 109
5,554
1,088
46
904
829
573
1,921
63
4,632
760
$216,858
$28,363
$283,320
$112,071 REPORT OF SUPERINTENDENT OF INSURANCE, 1948.
F 89
TABLE VII.—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1948—Continued.
GUARANTEE AND THEFT INSURANCE—Continued.
Guarantee Insurance.
Theft Insurance.
Name of Insurer.
Net Premiums
written.
Net Losses
incurred.
Net Premiums
written.
Net Losses
incurred.
$216,858
1,177
$28,363
$283,320
4,457
$112,071
1,470
—202
558
11,545
5,983
811
46
24,667
3,054
4,334
208
440
1,037
454
— 6
15,716
9,131
1,156
380
2,543
1,315
547
4,646
5
372
1,443
2,934
987
902
353
—127
1,696
257
— 5
1,516
75
32
500
24
31
127
141
—43
181
1,597
Totals	
$261,555
$31,747
$331,146
$124,629
Totals (or 1947	
$223,482
$7,926
$308,441
$95,532
INLAND-TRANSPORTATION AND MARINE INSURANCE.
•
Inlani>-transportation
Insurance.
Marine Insurance.
Name of Insurer.
Net Premiums
written.
Net Losses
incurred.
Net Premiums
written.
Net Losses
incurred.
$578
7,900
909
107
1,586
$101
965
114
16
—336
Aetna Insurance Co	
$22,642
13,035
3,909
$19,042
7,878
	
7,436
3,698
2,951
2,460
1,966
757
i
48
918
65
86
96,827
28,210
17,871
4,341
482
1,086
— 114
135,648
26,054
5,905
355
1,818
104,756
228
15,605
1,019
8
38
6,190
4,708
95
$19,759
$5,532
$335,403
$189,257 F 90
BRITISH COLUMBIA.
TABLE VII.—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1948—Continued.
INLAND-TRANSPORTATION AND MARINE INSURANCE—Continued.
Name of Insurer.
Inland-transportation
Insurance.
Net Premiums
written.
Net Losses
incurred.
Marine Insurance.
Net Premiums
written.
Net Losses
incurred.
Brought forward ...
Canada Accident & Fire Assurance Co	
Canada Security Assurance Co	
Canadian Fire Insurance Co	
Canadian General Insurance Co	
Canadian Home Assurance Co	
Canadian Indemnity Co	
Canadian Mercantile Insurance Co	
Canadian Surety Co	
Canton Insurance Office, Ltd	
Central Manufacturers Mutual Insurance Co	
Century Insurance Co., Ltd	
Columbia Insurance Co. of N.Y	
Commerce Mutual Fire Insurance Co	
Commercial Union Assurance Co., Ltd	
Connecticut Fire Insurance Co	
Consolidated Fire & Casualty Insurance Co	
Continental Insurance Co	
Cornhill Insurance Co., Ltd	
Dominion of Canada General Insurance Co., Ltd	
Eagle Fire Company of New York	
Eagle Star Insurance Co., Ltd	
Economical Mutual Fire Insurance Co	
Economic Insurance Co., Ltd	
Employers' Liability Assurance Corporation, Ltd	
Equitable Fire & Marine Insurance Co	
Essex & Suffolk Equitable Insurance Society, Ltd	
Federal Fire Insurance Co	
Federation Insurance Co. of Canada	
Fidelity Phenix Fire Insurance Co	
Fire Association of Philadelphia	
Firemen's Fund Insurance Co	
Franklin Fire Insurance Co. of Philadelphia	
General Accident Assurance of Canada	
General Accident Fire & Life Assurance Corpn., Ltd....
General Insurance Co. of America	
General Security Insurance Co	
Glens Falls Insurance Co	
Globe Indemnity Co. of Canada	
Gore District Mutual Fire Insurance Co	
Great American Insurance Co	
Guarantee Co. of North America	
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	
Hartford Fire Insurance Co	
Home Assurance Co. of Canada	
Home Fire and Marine Insurance Co	
Home Insurance Co	
Imperial Guarantee & Accident Insur. Co. of Canada....
Indemnity Marine Assurance Co., Ltd	
Insurance Co. of North America	
Jersey Insurance Co	
Legal & General Assurance Society, Ltd	
Liverpool & London & Globe Insurance Co., Ltd	
London & Lancashire Guar. & Accident Co. of Canada.
London & Lancashire Insurance Co., Ltd	
London & Provincial Marine & General Insur. Co., Ltd
London & Scottish Assurance Corporation	
London Assurance	
London Guarantee & Accident Co., Ltd	
Lumbermens Insurance Co	
Lumber Mutual Fire Insurance Co	
Carried forward	
$19,759
25
71
876
258
3,734
455
112
1,334
193
473
113
5,719
21
105
29
1,144
8
590
261
1,870
1,387
240
692
1,530
287
422
21,649
1,125
1,375
32,178
1,632
759
91,433
4,892
401
1,156
3,245
2,826
1,926
854
$5,532
270
297
4,555
1,047
197
57
34
197
237
3,351
250
670
10
1,558
202
-1,746
102
— 497
569
534
— 1
18,037
747
4,836
1,542
99
3,148
1,693
694
2,131
1,179
335
18
$335,403
730
6,513
1,449
9,818
6,935
2,587
7,352
105,104
404
343,835
304
257,796
—26
50,274
12,213
128
13,169
94,752
$189,257
4,730
-464
3,877
521
3,490
-12,790
173,560
85,221
52,641
14
167,715
— 224
10,276
6,923
6,460
12,222
$217,648
$54,144
$1,683,361
$704,248 REPORT OF SUPERINTENDENT OF INSURANCE, 1948.
F 91
TABLE VII.—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1948—Continued.
INLAND-TRANSPORTATION AND MARINE INSURANCE—Continued.
Name of Insurer.
Inland-transportation
Insurance.
Net Premiums
written.
Net Losses
incurred.
Marine Insurance.
Net Premiums
written.
Net Losses
incurred.
Brought forward	
Marine Insurance Co., Ltd	
Maritime Insurance Co., Ltd	
Michigan Fire & Marine Insurance Co	
Milwaukee Mechanics Insurance Co	
Motor Union Insurance Co., Ltd	
Mutual Implement & Hardware Insurance Co	
National Ben Franklin Fire Insurance Co	
National Fire Insurance Co. of Hartford	
National General Insurance Co	
National Liberty Insurance Co	
National Union Fire Insurance Co	
New Brunswick Fire Insurance Co	
New England Fire Insurance Co	
New Hampshire Fire Insurance Co	
New York Underwriters Insurance Co	
New Zealand Insurance Co., Ltd	
Niagar Fire Insurance Co	
Non-Marine Underwriters, Members of Lloyd's, London
Eng	
North British & Mercantile Insurance Co., Ltd	
North Empire Fire Insurance Co	
Northern Assurance Co., Ltd	
Northwestern Mutual Fire Association	
Northwestern National Insurance Co	
Norwich Union Fire Insurance Society, Ltd	
Ocean Accident & Guarantee Corporation, Ltd	
Ohio Farmers Indemnity	
Ohio Farmers Insurance Co	
Old Colony Insurance Co	
Orion Insurance Co., Ltd	
Pacific Coast Fire Insurance Co	
Pacific Coast Fishermen's Mutual Marine Insurance Co.—
Pacific Fire Insurance Co	
Pearl Assurance Co., Ltd	
Philadelphia Fire & Marine Insurance Co.	
Phoenix Assurance Co., Ltd	
Phoenix Insurance Co	
Planet Assurance Co., Ltd	
Providence Washington Insurance Co	
Prudential Assurance Co., Ltd	
Queen Insurance Co. of America	
Queensland Insurance Co., Ltd	
Railway Passengers Assurance Co	
Reliance Insurance Co. of Canada	
Royal Exchange Assurance	
Royal Insurance Co., Ltd	
Ruby General Insurance Co	
St. Paul Fire & Marine Insurance Co	
Saskatchewan Mutual Fire Insurance Co	
Scottish Metropolitan Assurance Co., Ltd	
Scottish Union and National Insurance Co	
Sea Insurance Co., Ltd	
Security Insurance Co. of New Haven	
Sentinel Fire Insurance Co	
South British Insurance Co., Ltd	
Springfield Fire & Marine Insurance Co	
Standard Insurance Co. of New York	
Standard Marine Insurance Co., Ltd	
Sun Insurance Office, Ltd	
Switzerland General Insurance Co., Ltd	
Thames & Mersey Marine Insurance Co., Ltd	
Toronto General Insurance Co	
Transcontinental Insurance Co	
Travelers Fire Insurance Co	
Union Assurance Society, Ltd	
Carried forward	
$217,648
— 483
917
19,861
2,031
35
1,277
28
229
15
6,105
12
283,059
647
385
295
753
786
202
—120
5,121
549
143
3,534
11,733
7,850
3,472
33
140
2,883
593
2,267
15
23,177
9,540
1,119
30
48
229
7,796
909
1,607
176
211
85
2,357
$54,144
1,829
190
6,478
282
27
48
4,646
— 165
61,309
46
67
864
60
202
7,855
28
1,236
—2
537
7,193
3,983
4,716
1,689
481
— 733
1,033
140
48
1,615
114
270
441
3,727
7,782
40
$1,683,361  |   $704,248
-139
9,494       7,582
27,042
303
9,781
226,826
9,295
3,257
9,996
191
25,104
24,065
136,617
28
2,870
82
53,028
55,865
13,044
34,188
141,845
7,436
13,724
58
3,649
142,101
4,622
1,951
2,598
381
27,709
14,294
90,615
1,413
19,833
49,027
7,952
6,663
123,651
$619,534
$168,403
$2,473,749
$1,225,802 F 92
BRITISH COLUMBIA.
TABLE VII.—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1948—Continued.
INLAND-TRANSPORTATION AND MARINE INSURANCE—Continued.
Inland-transportation
Insurance.
Marine Insurance.
Name of Insurer.
Net Premiums
written.
Net Losses
incurred.
Net Premiums
written.
Net Losses
incurred.
$619,534
8,467
1,366
1,136
22,835
474
—248
1,136
2,517
33
$168,403
1,618
201
142
23,940
303
$2,473,749
363,279
11,506
16,284
91,792
$1,225,802
155,068
5,091
9,753
73,461
142
313
16,284
35,824
9,753
21,456
9,295
— 100
8,252
4,622
79
589
140
442
|
     |     	
Totals	
$657,329
$195,651
$3,025,995
$1,505,588
Totals for 1947	
$234,462
$118,213
$2,515,173
$1,014,241
PROPERTY-DAMAGE AND PERSONAL-PROPERTY INSURANCE.
Pboperty-damage
Insurance.
Personal-property
Insurance.
Name of Insurer.
Net Premiums
written.
Net Losses
incurred.
Net Premiums
written.
Net Losses
incurred.
$15
15,501
276
1,748
73
— 9
$2
$2,625
32,422
5,996
2,425
751
409
$1,446
26,995
2,412
122
56
231
—2
4,754
2,685
5,265
15,053
1,812
2,576
19
8,198
4,730
140
168
5,257
12,004
16
5,361
232
729
46
6,041
8
5,139
102
120
2
184
9
1,452
4,830
675
769
2,796
11,637
3,700
489
8,817
3
1,611
$19,303    1                 $11
$125,661    1          $65,486 REPORT OF  SUPERINTENDENT OF INSURANCE, 1948.
F 93
TABLE VII.—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1948—Continued.
PROPERTY-DAMAGE AND PERSONAL-PROPERTY INSURANCE—Continued.
Property-damage
Insurance.
Personal-property
Insurance.
Name of Insurer.
Net Premiums
written.
Net Losses
incurred.
Net Premiums
written.
Net Losses
incurred.
$19,303
$11
$125,661
$65,486
97
9,824
19,399
2,996
11,188
151
	
27,076
1,664
4,192
4,773
395
1,707
150
83
— 136
466
41
18
3,001
77
1,340
5
1
875
1,602
482
394
13,958
25,741
4,452
7,443
10,413
1,631
198
372
41,223
5,184
24,251
5,350
17,822
718
6,462
728
7,978
5,148
599
9,556
31
4
1,237
310
— 3
5,215
2,082
234
195
15,372
276
9,530
45,722
11,393
7,267
113
4,277
36,012
84,358
360
595,693
150,561
188
1,192
3,077
8,024
33,719
47,032
3,548
General Accident Fire & Life Assurance Corporation, Ltd..
475
150,034
18,709
24,629
4
16,860
3,237
15,845
2,999
9,796
15,424
26,343
20,995
27,173
2,010
49
7,391
— 68
—27
1,691
5,588
11,408
439
274
26
—3
22,695
12,163
86
7,846
1,513
201
8
17,122
70,578
5
1
Si 17.767     I         $150,905
$1,216,319
$565,461
1
1 F 94
BRITISH COLUMBIA.
TABLE VII.—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1948—Continued.
PROPERTY-DAMAGE AND PERSONAL-PROPERTY INSURANCE—Continued.
Name of Insurer.
Property-damage
Insurance.
Net Premiums
written.
Net Losses
incurred.
Personal-property
Insurance.
Net Premiums
written.
Net Losses
incurred.
Brought forward-
Imperial Guarantee & Accident Insur. Co. of Canada	
Imperial Insurance Office	
Indemnity Marine Assurance Co., Ltd	
Indiana Lumbermen's Mutual Insurance Co	
Insurance Co. of North America	
Jersey Insurance Co	
Kansas City Fire & Marine Insurance Co	
Law, Union & Rock Insurance Insurance Co., Ltd	
Legal & General Assurance Society, Ltd	
Liberty Mutual Insurance Co	
Liverpool & London & Globe Insurance Co., Ltd	
Liverpool Manitoba Assurance Co	
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 & General Insur. Co., Ltd	
London & Scottish Assurance Corporation, Ltd	
London Assurance	
London-Canada Insurance Co	
London Guarantee & Accident Co	
Lumber Mutual Fire Insurance Co	
Lumbermens Insurance Co	
Lumbermens Mutual Casualty Co	
lumbermens Mutual Insurance Co	
Marine Insurance Co., Ltd	
Mercantile Insurance Co	
Merchants & Manufacturers Insurance Co	
Merchants Fire Assurance Corporation	
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	
Motor Union Insurance Co., Ltd	
Mutual Implement & Hardware Insurance Co	
National Ben Franklin Fire Insurance Co	
Nationale Fire Insurance Co	
National Fire Insurance Co. of Hartford	
National General Insurance Co	
National Liberty Insurance Co. of America	
National Liverpool Insurance Co	
National Provincial Insurance Co., Ltd	
National Retailers Mutual Insurance Co	
National Union Fire Insurance Co. of Pittsburgh	
Newark Fire Insurance Co	
New Brunswick Fire Insurance Co	
New England Fire Insurance Co	
New Hampshire Fire Insurance Co .....
New York Underwriters Insurance Co	
New Zealand Insurance Co., Ltd	
Niagara Fire Insurance Co	
Non-Marine Underwriters, Members of Lloyd's, London,
Eng..
$117,767
95
-16
1,016
1,246
1,522
407
25
4,283
4,152
1
43
48
-15
North British & Mercantile Insurance Co., Ltd..
North Empire Fire Insurance Co	
North River Insurance Co	
Northern Assurance Co., Ltd	
Northwestern Mutual Fire Association	
Northwestern National Insurance Co	
North-West Fire Insurance Co	
Norwich Union Fire Insurance Society, Ltd	
Occidental Fire Insurance Co	
Ocean Accident & Guarantee Corporation, Ltd..
Carried forward	
82
38,241
5
150
549
227
$150,905
93,630
29
1,227
1
20
$169,875
$245,812
$1,215,319
60
21
71,766
5,238
10
23,641
13,407
81,204
4,359
982
11,965
2,969
8,750
4,403
1,453
17,681
3,911
1,276
253
1,101
13,073
8,578
4,926
6,454
1,750
9,510
36,819
18,673
407    |
14,141     I
$565,461
235
806
40,939
3,022
43
64,551
8,391
44
45,061
2,208
448
7,736
4,820
5,162
1,145
5,839
62,402
1,500
8,510
2,240
2,466
1,460
10,698
2,138
4,428
2,928
2,498
27,839
8,173
109
7,861
$1,656,440
$902,125 REPORT OF SUPERINTENDENT OP INSURANCE, 1948.
F 95
TABLE VII.—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1948—Continued.
PROPERTY-DAMAGE AND PERSONAL-PROPERTY INSURANCE—Continued.
Name of Insurer.
Property-damage
Insurance.
Net Premiums
written.
Net Losses
incurred.
Personal-property
Insurance.
Net Premiums
written.
Net Losses
incurred.
Brought forward..
I
$169,875    I        $245,812
Ohio Farmers Insurance Co.	
Pacific Coast Fire Insurance Co	
Pacific Fire Insurance Co	
Palatine Insurance Co., Ltd.	
Patriotic Assurance Co., Ltd	
Pearl Assurance Co., Ltd	
Pennsylvania Lumbermens Mutual Fire Insurance Co	
Philadelphia Fire & Marine Insurance Co	
Phoenix Assurance Co., Ltd.	
Phoenix Insurance Co	
Pioneer Insurance Co..:	
Planet Assurance Co., Ltd	
Progressive Insurance Co. of Canada	
Providence Washington Insurance Co	
Provincial Insurance Co., Ltd	
Prudential Assurance Co., Ltd	
Quebec Fire Assurance Co	
Queen Insurance Co. of America	
Queensland Insurance Co., Ltd	
Railway Passengers Assurance Co	
Reliance Insurance Co. of Canada	
Royal Exchange Assurance	
Royal Insurance Co., Ltd.	
Royal Plate Glass & General Insurance Co. of Canada	
Royal Scottish Insurance Co., Ltd	
St. Paul Fire & Marine Insurance Co	
Saskatchewan Mutual Fire Insurance Co	
Scottish Canadian Assurance Corporation	
Scottish Insurance Corporation, Ltd	
Scottish Metropolitan Assurance Co., Ltd	
Scottish Union & National Insurance Co	
Sea Insurance Co., Ltd	
Security Insurance of New Haven	
Security National Insurance Co	
Sentinel Fire Insurance Co	
South British Insurance Co., Ltd	
Southern Insurance Co., Ltd	
Springfield Fire & Marine Insurance Co	
Standard Insurance Co. of N.Y	
Standard Marine Insurance Co.	
State Assurance Co., Ltd	
Slin Insurance Office, Ltd	
Switzerland General Insurance Co., Ltd	
Toronto General Insurance Co	
Transcontinental Insurance Co	
Travelers Fire Insurance Co	
Travelers Indemnity Co	
Union Assurance Society, Ltd	
Union Fire, Accident & General Insurance Co	
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 Fidelity & Guaranty Co	
United States Fire Insurance Co	
Utah Home Fire Insurance Co	
Wawanesa Mutual Insurance Co	
Wellington Fire Insurance Co	
Westchester Fire Insurance Co	
Western Assurance Co ;	
Western Union Insurance Co	
Westminster Fire Office	
World Fire & Marine Insurance Co	
World Marine & General Insurance Co	
Yorkshire Insurance Co., Ltd	
Zurich General Accident & Liability Insurance Co., Ltd..
Totals	
912
212
—27
1,945
12,981
52
378
512
377
671
1,632
19
59
91
174
146
307
6
974
448
5
— 17
220
469
26
Totals for 1947..
740
$194,068
35
47,014
96
$292,988
$1,656,440
$153,239
$13,006
1,501
9,337
3,879
23,505
18
15,759
49,781
302
145
18,142
6,496
39,987
31,469
2,658
12,978
12,670
18,008
164,152
491
1,105
1,907
8,815
1,167
1,101
37,428
5,988
10,858
3,768
15,872
6,819
19,088
7,768
36,119
5,250
-130
7,503
16,426
4,664
7,503
16,506
40
8,183
1,984
12,691
$2,306,141
$902,125
670
5,387
980
17,402
17,455
124
11,567
2,743
51,148
11,188
877
5,250
3,125
10,059
239,482
1,995
1,254
258
9,435
2,714
1,460
49,632
2,144
8,540
2,107
9,154
1,700
2,838
4,198
20,519
2,892
577
3,351
7,030
581
3,350
7,372
183
6,744
506
9,584
$1,447,368
!,252,462    |    $1,225,233 F 96
BRITISH  COLUMBIA.
TABLE VII.—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1948—Continued.
WEATHER AND MISCELLANEOUS INSURANCE.
Name of Insurer.
Weather Insurance.
Net Premiums
written.
Net Losses
incurred.
Miscellaneous
Insurance.
B.—Boiler and Machinery.
C—Credit.
H.—Rail.
L.S.—Live Stock.
S.L.—Sprinkler-leakage.
W.C.—Workmen's
Compensation.
Net Premiums
written.
Net Losses
incurred.
Acadia Fire Insurance Co	
Aetna Insurance Co	
Alliance Insurance Co. of Philadelphia	
American Alliance Insurance Co	
American Insurance Co	
Baloise Fire Insurance Co.	
Boiler Inspection & Insurance Co. of Canada	
British America Assurance Co	
British Empire Assurance Co	
British Northwestern Fire Insurance Co	
British Oak Insurance Co., Ltd	
British Traders Insurance Co., Ltd	
Canada Accident & Fire Assurance Co	
Canada Security Assurance Co	
Canadian Alliance Insurance Co	
Canadian Fire Insurance Co	
Canadian General Insurance Co	
Canadian Home Assurance Co	
Canadian Mercantile Insurance Co	
Central Union Insurance Co	
City of New York Insurance Co	
Columbia Insurance Co. of New York	
Commercial Casualty Insurance Co	
Connecticut Fire Insurance Co	
Continental Insurance Co.	
Eagle Fire Co. of New York	
Economical Mutual Fire Insurance Co	
Employers' Liability Assurance Corporation, Ltd..
Equitable Fire & Marine Insurance Co	
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	
General Security Insurance Co. of Canada	
Gibraltar Fire & Marine Insurance Co...	
Glens Falls Insurance Co	
Globe Indemnity Co. of Canada	
Great American Insurance Co	
Guardian Assurance Co., Ltd	
Guardian Insurance Co. of Canada	
Halifax Insurance Company	
Hardware Dealers Mutual Fire Insurance Co	
Hartford Accident & Indemnity	
Hartford Fire Insurance Co	
Hartford Steam Boiler Inspection & Insurance Co.
Home Fire & Marine Insurance	
Home Insurance Co	
Hudson Bay Insurance Co	
Imperial Assurance Co ,
Imperial Insurance Office	
Indemnity Insurance Co. of North America „
Insurance Co. of North America	
Kansas City Fire & Marine Insurance Co	
Law, Union & Rock Insurance Co.	
Liberty Mutual Insurance Co	
Liverpool & London & Globe Insurance Co., Ltd....
London & Lancashire Insurance Co., Ltd	
London Guarantee Accident Co., Ltd	
Carried forward......	
279
658
104
s.l.     —$7
h.      2,594
$659
$22
39
S.L.
S.L.
S.L.
S.L, 1
S.L. 1
B.      79,764
s.l.     —23
-43
24,566
60
741
B. 340
B. 508
B.     10,304
S.L.    1,852
L.s.    —496
H.      2,468
B. 7
S.L. —4
B. 902
S.L.      369
H.     1,285
$1,076
$824
$27,739 REPORT OF SUPERINTENDENT OF INSURANCE, 1948.
F 97
TABLE VII.—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1948—Continued.
WEATHER AND MISCELLANEOUS INSURANCE—Continued.
Name of Insurer.
Weather Insurance.
Net Premiums
written.
Net Losses
incurred.
Miscellaneous
Insurance.
B.—Boiler and Machinery.
C—Credit.
H.—Hail.
L.S.—Livestock.
S.L.—Sprinkler-leakage.
W.C.—Workmen's
Compensation.
Net Premiums
written.
Net Losses
incurred.
Brought forward..
SI,076
$824
Lumbermen's Mutual Casualty Co.	
Maryland Casualty Co	
Mercury Insurance Co	
Michigan Fire & Marine Insurance Co	
Milwaukee Mechanics Insurance Co	
Mutual Implement & Hardware Insurance Co..
National Fire Insurance Co. of Hartford	
New England Fire Insurance Co	
New York Underwriters Insurance Co	
New Zealand Insurance Co., Ltd	
Niagara Fire Insurance Co.	
Non-Marine Underwriters, Members of Lloyd's, London,
Eng -	
North Empire Fire Insurance Co	
North River Insurance Co	
Northern Assurance Co., Ltd.	
Northwestern Mutual Fire Association	
Norwich Union Fire Insurance Society, Ltd	
Ocean Accident & Guarantee Corporation, Ltd	
Pacific Indemnity Co	
Pearl Assurance Co., Ltd.	
Philadelphia Fire & Marine Insurance Co.	
Phoenix Assurance Co., Ltd ,
Phoenix Insurance Co	
Prudential Assurance Co., Ltd	
Reliance Insurance Co. of Canada	
Royal Insurance Co., Ltd	
St. Paul Fire & Marine Insurance Co.	
Saskatchewan Mutual Fire Insurance Co	
Scottish Insurance Corporation, Ltd	
Scottish Union & National Insurance Co	
Security Insurance Co. of New Haven	
Sentinel Fire Insurance Co	
South British Insurance Co., Ltd	
Springfield Fire & Marine Insurance Co	
Switzerland General Insurance Co., Ltd	
Toronto General 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 Fire Insurance Co	
Utah Home Fire Insurance	
Wawanesa Mutual Insurance Co	
Westchester Fire Insurance Co.	
Western Assurance Co ,	
World Fire & Marine Insurance Co	
Yorkshire Insurance Co., Ltd	
2
18
108
5
$97,446
B.       3,761
S.L.    -766
-150
S.L. 75
L.S. 16,715
B.     16,807
B. 778
B.     76,044
S.L.      —25
S.L. 9
S.L.
B.
74
h.    13,287
S.L. 8
B.     30,633
S.L.
S.L.
—4
128
Totals	
Totals for 1947..
$1,212
$255,002
$2,809
$1,787
$501,185
$27,739
6,482
L.s.   6,500
B.    19,822
475
15,336
15,841
2
295
$92,496
$79,000 F 98
BRITISH  COLUMBIA.
TABLE VIII.—OTHER INSURANCE  (TABLE VII)  SUMMARY.
(Figures shown in nearest thousand.)
Class of Insurance.
1946.
1947.
1948.
Accident, P	
L	
Guarantee, P	
L	
Inland-transportation, P.
L-.
Marine, P	
„     L	
Personal-property, P	
L	
Property-damage, P	
L	
Public-liability, P	
L	
Sickness, P	
L	
Theft, P	
„     L	
Other forms, P	
L	
Total, P	
'„      L	
$1,222,000
746,000
126,000
17,000
144,000
62,000
1,528,000
562,000
865,000
491,000
387,000
— 17,000
382,000
107,000
207,000
91,000
197,000
84,000
396,000
75,000
$5,454,000
2,218,000
$1,265,000
843,000
139,000
19,000
167,000
93,000
1,337,000
659,000
1,237,000
780,000
156,000
45,000
396,000
118,000
233,000
108,000
204,000
82,000
256,000
96,000
$1,404,000
762,000
214,000
11,000
201,000
48,000
1,604,000
737,000
1,778,000
988,000
166,000
—21,000
435,000
219,000
229,000
85,000
254,000
108,000
312,000
181,000
$5,390,000    I
2,843,000    j
$6,597,000
3,118,000
$1,748,000
927,000
223,000
8,000
234,000
118,000
2,516,000
1,014,000
2,252,000
1,225,000
153,000
13,000
564,000
176,000
245,000
96,000
308,000
96,000
707,000
183,000
$8,947,000
3,856,000
$2,218,000
1.214,000
262,000
32,000
657,000
196,000
3,026,000
1,506,000
2,306,000
1,447,000
194,000
293,000
699,000
322.000
228,000
110,000
331.000
125,000
557,000
380,000
$10,478,000
5,625,000
VICTORIA,  B.C. :
Printed by Don McDiarmid, Printer to the King's Most Excellent Majesty.
1949.
1,995-649-2510

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