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Sixty-Eighth Annual Report of the SUPERINTENDENT OF INSURANCE 1979 (Business Transacted in 1978) British Columbia. Legislative Assembly 1980

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Full Text

 PROVINCE OF BRITISH COLUMBIA
Sixty-eighth Annual Report
of the
SUPERINTENDENT OF
INSURANCE
1979
(Business Transacted in 1978)
Queen's Printer for British Columbia (
Victoria, 1980
  The Honourable Henry P. Bell-Irving,
Lieutenant-Governor of the Province of British Columbia:
May it please Your Honour:
The undersigned has the honour to present the Sixty-eighth Annual Report of
the Superintendent of Insurance for the year ended December 31, 1978.
JAMES A. NIELSEN
Minister of Consumer and Corporate Affairs
Victoria, B.C., November 1, 1979.
  Page
.    7
TABLE OF CONTENTS
Report of the Superintendent of Insurance	
List as at June 30, 1979—
Insurers Licensed    9
Fraternal Benefit Societies Licensed Under the Insurance Act  30
Reciprocal Exchanges Granted Permits  31
Societies (Incorporated Under the Societies Act) Licensed Under the Insurance Act  31
Annual Statements of Provincial Licensees—
The British Columbia Insurance Company  32
B.C.A.A. Insurance Company  34
The Mutual Fire Insurance Company of British Columbia  36
Pacific Coast Fishermen's Mutual Marine Insurance Company  38
Roberts Mutual Fire Insurance Company    40
Seaboard Life Insurance Company  42
Westco Insurance Company  46
Tables
Life Insurance—
I. Business of 1978    48
II. Summary, 1974-78  53
Fraternal Societies—
III. Business of 1978  54
Property Insurance—
IV. Business of 1978  55
V. Summary, 1974-78  58
Reciprocal Exchanges—
VI. Business of 1978  59
Automobile Insurance—
VII. Business of 1978.
Miscellaneous Classes of Insurance-
VIII. Business of 1978	
60
63
IX. Summary, 1974-78  74
  Report of the Superintendent of Insurance
Department of Insurance,
Vancouver, B.C., November 1,1979.
The Honourable James A. Nielsen,
Minister of Consumer and Corporate Affairs
Sir: Pursuant to the Insurance Act, I beg to submit the Sixty-eighth Annual
Report to the Department of Insurance covering the year ended December 31, 1978.
At that date, 335 insurers were licensed under the Act to transact business.
The following summary indicates the origin of the insurers, how many hold only
Provincial licences, and how many had Federal registry in addition to a Provincial
licence:
Where Incorporated
Provincial
Licence
Federal
Registry
Total
6
10
9
_
"i
7
135
21
1
2
1
1
2
1
1
3
■y
i
i
3
126
13
145
30
1
Finland 	
2
2
1
Holland   	
2
India   _ —_   _ _ _„_.
1
1
Italy              	
3
2
1
2
3
United States	
126
Totals      	
27
308
A complete list of insurers will be found on subsequent pages. For purposes
of convenience, the present list is made up to June 30, 1979, so that it includes
insurers licensed since December 31, 1978, and shows the classes of insurance for
which each is licensed.
During the year, 19 insurers ceased to transact business in the Province while
18 new insurers were licensed. On analysis, the list shows that 125 companies
(exclusive of fraternal societies) were licensed for life insurance, 183 for fire
insurance, and 95 for marine insurance. These cover only the major classes of
insurance, and it should be understood that the same company may be licensed,
for example, for fire, life, and marine insurance.
The annual statements of these companies incorporated by or under an Act of
the Legislature are set forth at length in the following pages.
The taxes collected on unlicensed insurance amount to $234,000.
The number of insurance agents' and salesmen's licences issued for the year
1978 is given on page 8, together with a comparative table for the previous four years.
7
 BRITISH COLUMBIA
All licences in the insurance industry now have a pre-licence examination requirement.
Licences Issued to—
1978
1977
1976
1975
1974
5,400
2,400
500
58
75
8,433
4,751
2,340
417
67
83
4,901
2,214
374
63
87
4,427
1,737
347
58
71
4,819
Other-than-life insurance agents  	
2,260
471
120
Employees of insurance adjusters 	
158
Totals    _	
7,658
7,639
6,640
7,828
The number of real estate agents' and salesmen's licences issued under the
Real Estate Act for the year 1978/79, in comparison with the previous four years,
is as follows:
Licences Issued to—
1978/79
1977/78
1976/77
1975/76
1974/75
2,500
10,100
2,393
9,914
2,801
9,317
2,510
8,813
1,913
Real estate salesmen  ,	
9,021
Totals	
12,600
12,307
12,118
11,323
10,934
Pursuant to Part II of the Real Estate Act, documents have been processed
and filed in connection with 770 subdivisions since my last report.
The association President for the 1979/80 term is M. A. Thompson, Superintendent of Insurance, Province of Ontario; Secretary, L. P. Wood, Deputy Superintendent of Insurance, Province of Ontario.
Following the election of officers, the superintendents accepted the invitation
of the Superintendent of Insurance to hold the 1979 conference at Moncton, N.B.,
commencing September 17, 1979.
Respectfully submitted.
W. S. IRWIN
Superintendent of Insurance
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1978
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27
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 28
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29
 30
BRITISH COLUMBIA
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31
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 32
.
BRITISH COLUMBIA
■
Annual Statements of Provincial Licensees
THE BRITISH COLUMBIA INSURANCE COMPANY
Head Office—Vancouver, B.C.
Date of incorporation, February 1904, R.S.B.C. 1904, chapter 57; amended,
March 29,  1934, R.S.B.C.   1934, chapter 70;  amended, April   11,   1946,
R.S.B.C. 1946, chapter 81
Date commenced business, 1948
Officers
H. B. Osen, President
H. B. Osen
Directors
W. Sherban
W. L. Bayne
W. Sherban, Secretary
D.  E.  Fish
Auditors
Touche, Ross & Co., Chartered Accountants
Statement for the Year Ended December 31, 1978
Capital Stock
Number
Authorized   80,000
Subscribed   44,389
Paid in cash or stock dividend  44,389
Common
Par
Value
$
5
5
Amount
$
400,000
221,945
50,143
Preferred
Par
Number        Value        Amount
$ $
20,000 5        100,000
Total authorized 	
Total subscribed 	
Total paid in cash or stock dividends
Contributions to surplus  	
Unpaid calls 	
$
500,000
221,945
50,143
Nil
Nil
Bonds
Stocks
Assets
$
50,036
Summary of investments
Cash   	
Investment income due or accrued
Other assets 	
Gross assets 	
Deduct—assets not admitted
Total assets admitted 	
50,036
1,262
356
4,075
55,729
55,729
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1978
33
Liabilities
Unearned premiums extended at 100 per cent
Expenses due and accrued 	
Total liabilities
$
24
6,508
6,532
Reserves and Equity
Capital stock paid 	
Surplus—retained earnings 	
Total liabilities, capital, and surplus 	
Profit and Loss Account
Net premiums written 	
Unearned premium   	
Net premiums earned
General expenses 	
Underwriting profit or (loss)
Investment income   	
Net profit (loss)
50,143
946
55,729
25
24
1
5,256
5,255
4,220
1,035
Surplus Account
Net profit or loss
Totals
Net decrease ...
Decreases
$
1,035
1,035
Earned surplus at beginning of year	
Earned surplus at end of year
Balance at beginning of year
Paid in during the year	
Balance at end of year
Nil
1,035
89
946
Capital
50,143
50,143
Increases
Nil
Contributed
Surplus
Nil
Nil
Nil
Statements of Provincial companies are checked and are amended, if necessary, and are
published in this Report subject to inspection.
 34
BRITISH COLUMBIA
B.C.A.A. INSURANCE COMPANY
Head Office—Vancouver, B.C.
Date of incorporation proclaimed, December 1969
Date commenced business, January 1, 1970
Officers
H. N. Crompton, President Peter Wing, Vice-President
R. S. Bower, Senior Vice-President      D. W. Bird, Secretary
G. R. Bengough, Vice-President J. A. Chestnutt, Assistant Secretary
E. C. Sweeney, Vice-President R. J. Leakey, Assistant Secretary
A. C. Dolden, Controller
.    -.
H. Assman
G. R. Bengough
R. J. Bower
D. C. Barkman
H. N. Crompton
R. J. Hastings
Directors
T. E. Lougheed
W. A. McKinley
J. J. Brown
F. J. Ney
F. R. Paxton
P. J. Godfrey
A. R. D. Robertson
E. C. Sweeney
K. P. Weaver
P. Wing
R. G. Brodie
D. M. Martin
Auditors
McAfee, Lilly & Co., Chartered Accountants
Statement for the Year Ended December 31, 1978
Capital Stock
Number
Authorized   ...J   1,750,000
Subscribed                                            7,353
Common
Par
Value
$
100
100
Amount
$
175,000,000
735,300
735,300
Contributions to Surplus
:3  '
$
  735,000
Unpaid Calls
Amount of calls unpaid at end of vear	
       Nil
Assets
Short-term deposits and money-market securities       425,000
Bonds   2,802,465
Stocks       266,933
Summary of investments (subtotal)
Cash 	
Investment income due or accrued 	
Amounts due from agents and brokers	
Amounts owing by reinsurers	
Other assets 	
Gross assets
Deduct—assets not admitted
3,494,398
59,738
61,082
187,681
28,952
165,256
3,997,107
127,864
Total assets admitted   3,869,243
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1978
Liabilities
35
Unearned premiums extended at 100 per cent  813,219
Provision for unpaid claims and adjustment expenses  794,987
Amounts owing to reinsurers   95
Expenses due and accrued   194,302
Provision for income tax  53,474
Customers' deposits   9,316
Total liabilities
Capital and surplus—
Capital stock—paid
Reserves and Equity
1,865,393
$
735,300
Surplus—contributed    ■_..      735,000
 ;      533,550
Surplus—retained earnings
Total liabilities, capital, and surplus
3,869,243
Profit and Loss Account
Net premiums written  ..... .	
Unearned premium and additional policy reserve adjustment
Net premium earned .: ...	
Net losses incurred including adjusting expenses	
Subtotal  	
Commission and allowances
General expenses 	
Underwriting profit (loss)
Investment income 	
Net profit before income taxes
Income taxes 	
Net profit
2,326,627
293,008
2,033,619
864,711
1,168,908
480,066
697,202
8,360
333,051
324,691
140,322
184,369
Retained Earnings, Capital, and Surplus
Decreases
$
Net profit 	
Changes in unadmitted ledger assets
Totals
Net increase .	
5,704
5,704
Earned surplus at beginning of year	
Earned surplus at end of year
Balance at beginning of year
Paid in during the year	
178,665
354,885
533,550
Capital
735,300
Increases
$
184,369
184,369
Contributed
Surplus
735,000
Balance at end of year
735,300       735,000
Returns for British Columbia
(.See pages 55, 60 and 71)
Statements of Provincial companies are checked and are amended, if necessary, and are
published in this Report subject to inspection.
 36
BRITISH COLUMBIA
THE MUTUAL FIRE INSURANCE COMPANY OF BRITISH COLUMBIA
Head Office—Vancouver, B.C.
Date of incorporation, 1902       Date commenced business, 1902
H. S. Berry, President
W. M. Page, Vice-President
Officers
H. Bose, Treasurer
E. T. Holtby, Manager, Secretary
H. S. Berry
Thomas J. Erskine
Les Gilmore
R. C. Von Arx
F. Bryant
Directors
Harry Bose
John M. Kirkness
J. Clarke Cherry
Thomas A. Menzies
W. C. Devitt
Robert Bridge
W. M. Page
Gordon Park
G. J. Hurford
Auditors
Peat, Marwick, Mitchell & Company, Chartered Accountants
Statement for the Year Ended December 31, 1978
Guarantee Stock
Nil
Assets
Investments— $
Bonds   134,634
  2
Subsidiaries, associates, and affiliates
Summary of investments 	
   134,636
Cash   36,631
Investment income due or accrued    2,514
Instalment premiums receivable   26,281
Amounts due from agents and brokers  27,723
Amounts owing by reinsurers   17,284
Other assets  20,409
Gross assets
Deduct—assets not admitted
Total assets admitted
265,478
22,482
242,996
Liabilities
Unearned premiums extended at 100 per cent	
Provision for unpaid claims and adjustment expenses
Amounts owing to reinsurers	
Other liabilities 	
Total liabilities
111,061
40,980
3,416
20,654
176,111
Reserves and Equity
General as required by section 26
Surplus (deficit) 	
Total liabilities
67,000
115
242,996
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1978
Profit and Loss Account
Net premium written 	
Unearned premium and additional policy reserve adjustment	
Net premium earned
37
219,361
16,303
203,058
Net losses incurred including adjustment expenses    77,667
Subtotal 	
Commissions and allowances
General expenses 	
Underwriting profit or (loss)
Investment income 	
125,391
11,257
92,784
21,350
8,095
Other income and expenditure       3,600
Net profit or (loss) before income taxes
Income taxes 	
33,045
Net profit or (loss)
33,045
Statement of Retained Earnings, Capital, and Surplus
Decreases
$
Net profit 	
Changes in unadmitted ledger assets	
Changes in reserve for investments and contingencies
5,681
27,000
Totals      32,681
Net increase or (decrease) _
Deficit at beginning of year
Deficit at end of year
364
479
115
Increases
$
33,045
33,045
Schedule A
Test With Respect to Required Minimum Assets
Total liabilities 	
Unearned premium adjustment to 100 per cent
A equals
115 per cent of A	
Total minimum assets required
Admitted assets 	
Less deduction to reduce bonds to market
Excess 	
Returns for British Columbia
(Seepage 56)
176,111
Nil
176,111
202,528
	
202,528
242,996
16,489
226,507
23,979
Statements of Provincial companies are checked and are amended, if necessary, and are
published in this Report subject to inspection.
 38
BRITISH COLUMBIA
PACIFIC COAST FISHERMEN'S MUTUAL MARINE INSURANCE COMPANY
Head Office—Vancouver, B.C.
Date of incorporation, March 28, 1945       Date commenced business, June 11, 1945
Officers
Morgan Berg, Honorary President Glen Martinolich, Vice-President
Olav Moan, President Arne Sorbo, Secretary-Manager
S. Myhre, Treasurer, Assistant Manager
Morgan Berg
Carsten Erichsen
William Green
Lawrence Haines
Glen Martinolich
Joseph MacLeod
Stan Sorensen
Robert Wootton
Directors
Don Anderson
Frank Dujmovich
Gordon Edwards
Olav Moan
Kenneth Murray
Lincoln McElhinney
Conrad Plensky
Walter Emerson
Vince Fiamengo
Donald Head
Lars Iversen
Robert Nakashima
Jack Prince
David Stevens
A uditors
Campbell, Sharp, Chartered Accountants
Authorized—
Amount
Statement for the Year Ended December 31, 1978
Guarantee Stock
Number of shares
Par value 	
Guarantee stock subscribed and paid at end of year (number of shares)
$25,000
2,500
$10 each
2,194
Amount of guarantee stock subscribed and paid at end of year      $21,940
Contributions to surplus  )        Nil.
Unpaid calls ..... ——        Nil
Assets
Investments— $
Short-term deposits and money-market securities   872,043
Bonds   3,842,780
Mortgage loans and sales agreements
Secured loans
990,981
300,000
Subsidiaries, associates, and affiliates
Summary of investments 	
Cash
Investment income due or accrued
Instalment premiums receivable .	
Amounts owing by reinsurers	
Other assets 	
Gross assets 	
Deduct—assets not admitted
Total assets admitted 	
6,005,804
30,262
136,242
378,211
135,038
7,499
6,693,056
64,125
6,628,931
Liabilities
Unearned premiums extended at 100 per cent  2,070,123
Provision for unpaid claims and adjustment expenses : : ... „....„.. 434,865
Bank overdraft and loans ■	
Members credit balances   80,217
Amounts owing to reinsurers   20,925
Expenses due and accrued  5,500
Total liabilities
2,611,630
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1978
Reserves and Equity
39
Reserves—general  	
Capital and surplus—
Capital stock.—paid
Surplus—retained earnings
Total liabilities, capital, and surplus
1,134,997
21,940
2,860,364
6,628,931
Profit and Loss Account
Net premiums written  .	
Unearned premium and additional policy reserve adjustment
Net premiums earned
Net losses incurred including adjusting expenses ^.
Subtotal
General expenses
Underwriting profit
Investment income 	
Other income and expenditure
Net profit before income taxes
Income taxes 	
Net profit
4,129,578
236,490
3,893,088
1,211,282
2,681,806
283,558
2,398,248
503,701
2,901,949
2,901,949
Net profit 	
Changes in unadmitted ledger assets
Patronage refund paid 	
Increase in reserve	
Statement of Retained Earnings, Capital, and Surplus
Decreases
. $ ■'-,
Totals
Net increase 	
Earned surplus at beginning of year .—
Earned surplus at end of year
Balance at beginning of year
Paid in during year	
2,472,742
200,000
2,672,742
Balance at the end of the year
229,207
2,631,156
2,860,363
Capital
$.
20,820
1,120
21,940
Increases
$
2,901,949
Nil
2,901,949
Contributed
Surplus
$
JVi/
Nil
Nil
Returns for British Columbia
(Seepage 69)
Statements of Provincial companies are checked and are amended, if necessary, and are
published in this Report subject to inspection.
 40
BRITISH COLUMBIA
ROBERTS MUTUAL FIRE INSURANCE COMPANY
Head Office—Clearbrook, B.C.
Date of incorporation, 1948       Date commenced business, 1948
Officers
David Driedger, Secretary
H. H. Pauls, President
John P. Martens, Vice-President
J. H. Derksen, Manager
H. H. Pauls
John P. Martens
David Driedger
Directors
Peter Bergen
Adolf Schmidt
Fred Schroeder
John Spenst
Auditors
Ernst & Ernst, Chartered Accountants
Statement for the Year Ended December 31, 1978
Assets
Short-term deposits and money-market securities
Bonds   	
Summary of investments
Cash 	
Investment income due or accrued
Instalment premiums receivable
Amounts due from agents and brokers
Amounts owing by reinsurers	
Other assets	
Gross assets	
Deduct—assets not admitted
Total assets admitted 	
$
29,000
29,000
8,075
1,192
9,371
2,315
3,083
53,036
2,715
50,321
Liabilities
$
Unearned premium extended at 100 per cent  12,777
Expenses due and accrued     1,556
Total liabilities   14,333
Reserves and Equity
Reserves—General   15,500
Capital and surplus—retained earnings  20,488
Total liabilities, capital, and surplus  50,321
 REPORT OF THE SUPERINTENDENT OF INSURANCE,  1978
Profit and Loss Account
Net premiums written	
Unearned premium and additional policy reserve
Net premiums earned 	
Net losses incurred including adjusting expenses __
Subtotal
Commissions and allowances
General expenses 	
Underwriting profit
Investment income 	
Other income and expenditure
Net profit before income taxes
Income taxes	
Net profit
41
5,439
7,509
12,948
114
12,834
864
11,175
2,523
3,828
7,350
999
999
Surplus Account
Net loss 	
Changes in unadmitted ledger assets
Totals  	
Decreases
$
.    999
.    999
Net increase	
Earned surplus at beginning of year
Earned surplus at end of year
2,096
18,392
20,488
Increases
$
3,095
3,095
Returns for British Columbia
(See page 57)
Statements of Provincial companies are checked and are amended, if necessary, and are
published in this Report subject to inspection.
 42
BRITISH COLUMBIA
SEABOARD LIFE INSURANCE COMPANY
Head Office—Vancouver, B.C.
Date of incorporation, 1953
.    ■
Officers
Dr. C. A. Allard, Chairman of the Board
I. M. Burnett, President
K. F. Rudd, Vice-President and Secretary
C. S. Walker, Vice-President
Dr. C. A. Allard
T. Ledley McMaster
Donald A. Robinson
Directors
Peter A. Allard
J. Roger Otteson
Harry J. Seed
J. M. Burnett
Arthur R. Smith
Policyholders' Directors
Dr. H. L. Patrick
Auditors
Peat, Marwick, Mitchell & Company, Chartered Accountants
Statement for the Year Ended December 31, 1978
Capital Stock
Authorized—
Number of shares
Common, par value
Amount ....^...	
1,000,000
$2.00 each
$2,000,000
:                                                                                      Number of         Amount Amount Paid
Shares            Subscribed in Cash
$ $
Capital stock issued and outstanding at beginning of year 539,823          1,079,646 1,079,646
Shares issued during year  111 ':'T'-'< ,-'  ......      2,700               5,400 5,400
Total at end of year
542,523        1,085,046        1,085,046
Premium on Capital Stock
Total amount paid at beginning of year
Amount received during year	
Total amount paid at end of year
$
1,656,110
4,050
1,660,160
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1978
43
Investments—                                              Assets
Short-term deposits and money-market securities
Bonds   	
$
  Nil
  2,901,932
Stocks   '_  5,944,564
Mortgage loans   8,271,133
Policy loans   567,708
Computer hardware  .  80,617
Total  investments   17,765,954
Cash   .	
Investment income, due and accrued  ,	
Outstanding life insurance premiums and annuity considerations	
Accident and sickness premiums due and unpaid effective after September 30 of
current year (net, commission deducted)  ...
Amounts due from other companies on reinsured contracts for claims paid	
Miscellaneous accounts receivable 	
Subtotal    —... „_..__. ;	
8,072,610
446,098
74,619
100,675
121,305
69,936
8,885,243
Segregated funds
Total assets
3,101,357
29,752,554
Liabilities and Equity
Actuarial reserve for life insurance and annuity contracts in force   5,095,729
Aggregate reserve for accident and sickness insurance   6,823,190
Amounts on deposit with the company, pertaining to insurance and annuity contracts
and including interest accumulations  :..___. :.. 1,978,974
Provision for group experience refunds  237,435
Subtotal   ........ . '■ ,.  14,135,328
Segregated funds  .     3,101,357
Subtotal
Outstanding claims under insurance and annuity contracts, including provisions for
unreported claims  ....
Insurance premiums and annuity considerations received in advance	
Accounts payable and accrued expenses	
Bank overdrafts  . .	
Amounts received but not yet allocated ..
Outstanding premium balances due reinsurers 	
Mortgagors prepaid taxes 	
Provision for income tax  .	
Due to subsidiary  .....
Total liabilities
Policyholders' equity—
Surplus in par fund	
Investment reserve par fund	
Other special reserves par fund	
Investment reserve non par fund
Other special reserves non par fund
Shareholders' equity—
Capital stock paid in
17,236,685
3,953,527
26,050
636,998
172,863
182,432
252,882
35,705
1,107,132
169,020
23,773,294
133.692
7,975
6,050
29,349
23,603
1,085,046
Surplus in shareholders' fund     1,660,160
Surplus in non par fund     3,300,769
Total equity
Total liabilities and equity
5,979,260
29,752,554
 44
BRITISH COLUMBIA
Summary of Operations
(Including Segregated Funds)
$
Premiums and annuity considerations   13,009,634
Net investment income     2,030,349
Net investment income, segregated funds
Reinsurance experience refunds ..
Income from subsidiary ...
Realized gain (loss) segregated fund assets only ....
Unrealized gain (loss) segregated fund assets only
Total income 	
Claims incurred under insurance and annuity contracts, other than under settlement
annuities 	
Payment under settlement annuities	
Normal increase in actuarial reserve (excluding increase due to changes in valuation
bases)  	
Increase in segregated fund   	
Increase in aggregate reserve for accident and sickness insurance	
Interest credited to amounts on deposit with the company	
Interest on claims  	
Taxes, licences, and fees, excluding investment taxes and income tax .
Commissions on insurance premiums and annuity considerations ....
General expenses (excluding investment expenses)   —
Total expenses
Profits before gains or losses on investments, dividends to policyholders, and income
tax   - 	
Dividends to policyholders 	
Group experience refund    	
Profit before gains or losses on investments and income tax	
Net gains or losses on investments (other than segregated funds)
Profit before income tax
Income tax 	
Net profit
150,808
18,441
105,587
252,073
184,360
15,751,252
5,520,352
2,275
387,313
741,160
1,034,483
111,003
5,188
281,113
1,106,758
3,406,860
12,596,505
3,154,747
275,186
676,642
2,202,919
282,682
2,485,601
1,030,500
1,455,101
Surplus Account
Surplus at beginning of year—
In shareholders' fund      1,656,110
In insurance and annuity funds—■
Shareholders        2,399,692
Policyholders         372,897
Increases
Balance carried from summary of operations      1,455,101
Additional premium on capital    4,050
Total increase
1,459,151
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1978 45
Decreases
$
Increase in special reserve—debenture in default  44,908
Total decrease before dividends to shareholders  44,908
Net increase before dividends to shareholders  1,414,243
Dividends to shareholders   269,911
Net increase        1,144,332
Surplus at end of year—
In shareholders' fund      1,660,160
In insurance and annuity funds—
Shareholders      3,300,769
Policyholders         133,692
Returns for British Columbia
(See page 73)
Statements of Provincial companies are checked and are amended, if necessary, and are
published in this Report subject to inspection.
 46
BRITISH COLUMBIA
WESTCO INSURANCE COMPANY
Head Office—Vancouver, B.C.
Date of incorporation, April 1, 1966 (special Act, chapter 71, 1966)
Date commenced business, October 2, 1969
Officers
Austin Chapman, Chairman of the Board and Treasurer
M. Milchem, President
Jerome B. Simon, Secretary
David Smith, Assistant Secretary
Directors
Austin Chapman
Edward H. Hamm
Michael J. Milchem
Colin Burgess
Auditors
Coopers & Lybrand, Chartered Accountants
Statement for the Year Ended December 31, 1978
Capital Stock
Common
Class B Common
Par
Par
Number
Value
Amount
Number
Value
Amount
Total
$
$
$
$
$
Authorized ....
.. 4,950,000
1
4,950,000
50,000
1
50,000
5,000,000
Subscribed
50,000
1
50,000
50,000
1
50,000
100,000
Paid in cash _.
50,000
—
50,000
50,000
____
50,000
100,000
Premium on capital stock
Contributions to Surplus
477,496
Returned during the year (dividend paid)       187,131
Balance at end of year       290,365
Unpaid Calls
Amount of calls unpaid at end of year
Nil
Assets
Investments—bonds  	
Summary of investments (subtotal)
Cash
Investment income due or accrued
301,500
301,500
86,544
2,125
Gross assets       390,169
Deduct assets not admitted  1,500
Total assets admitted
388,669
Liabilities
Provision for unpaid claims and adjustment expenses
Expenses due and accrued	
Other liabilities 	
Total  liabilities
58,781
6,391
5,130
70,302
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1978
Reserves and Equity
Capital and surplus—
Capital stock paid ....
Surplus—
Contributed
Retained earnings (deficit) 	
Total liabilities, capital, and surplus
47
100,000
290,365
71,998
388,669
Profit and Loss Account
Net premiums written :	
Unearned premiums and additional policy reserve adjustment
Net premiums earned 	
Increase in provision for unpaid claims
Subtotal
General expenses
Underwriting loss
Investment income  ...
Net income before income taxes
Income taxes  . 	
Net income
2,826
2,826
10,317
13,143
33,010
19,867
19,867
Surplus Account
Statement of Retained Earnings, Capital, and Surplus
Net profit 	
Decreases
$
i $
j
18,950
90,948
Increases
$
19,867
Changes in unadmitted ledger assets 	
          917
Totals    	
Net increase  	
Earned surplus at beginning of year (deficit)
917
19,867
!
Earned surplus at end of year (deficit)  	
71,998
Capital
$
. 100,000
Contributed
Surplus
$
477,496
Returned during year (dividend paid) 	
187,131
Dividend                     ..
Balance at the end of the year  	
....  100,000
290,365
Returns for British Columbia
(See page 62)
Statements of Provincial companies are checked and are amended, if necessary, and are
published in this Report subject to inspection.
 48
BRITISH COLUMBIA
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49
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H
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1978
53
TABLE II—LIFE INSURANCE SUMMARY
(000's omitted)
Year
Premium Income
Ordinary    Annuities
Disbursements
Insurance
Other
Payments
Total
Amount in
Force
1974..
1975...
1976.
1977_
1978..
$
171,288
179,359
192,645
221,391
223,787
93,532
105,092
116,054
141,577
174,781
125,923
117,903
142,438
153,722
172,604
$
37,153
45,806
62,341
72,297
84,648
$
163,077
163,709
204,779
226,019
257,252
18,148,463
20,896,607
27,149,759
31,308,943
39,471,605
TABLE HI—FRATERNAL SOCIETIES—RETURNS FOR 1978
Exhibit of Premiums, Contributions, and Dues
Name of Society
Life
Insurance
Funds
Sickness
and
Accident
Insurance
Funds
Fraternal
and
Expense
Funds
Total
Accra Fraternal Benefit Society  _ _ „ _. _.
$
15,612
$
29,126
$
$
44,288
182,746
1,269
182,746
-—
427
1,696
5,716
20,108
53,357
686
8,884
26,510
62,242
Electrical Workers Benefit Assoc	
11,713
3,841,428
207,318
510,330
10,813
148,315
25,655
958
11,713
	
3,989,743
207,318
27
56,064
98
9,767
4,370
535,985
10,841
56,064
80,639
56,017
4,413
666
81,598
56,017
Supreme Council of the Royal Arcunum   	
	
4,413
764
20,129
18,280
412
28,896
United Transportation Union Insurance Assoc _ _ _	
14,369
14,488
32,649
19,271
Totals for 1978	
5,025,286
248,591
80,323
5,352,754
Totals for 1977  	
4,655,938
245,299
81,237
4,982,474
 54
BRITISH COLUMBIA
LIST FOR FRATERNAL SOCIETIES
Disbursements Under Certificates
Life
Insurance
Funds
Sickness
and
Accident
Insurance
Funds
Total
Actra Fraternal Benefit Society „	
Aid Association for Lutherans 	
Associated Canadian Travellers — _ _
Canadian Foresters Life Insurance Society..
Canadian Slovak League 	
Canadian Woodmen of the World _	
Catholic Order of Foresters 	
Croatian Fraternal Union of America	
Electrical Workers Benefit Assoc	
First Catholic Slovak Ladies' Assoc, of the United States of America.
Grand Orange Lodge of British America  _ „ _ 	
Independent Order of Foresters  _   _ _
Knights of Columbus    _ _ 	
Lutheran Life Insurance Society of Canada  _ _	
North American Benefit Assoc  _ _ _ _ 	
North West Commercial Travelers' Assoc, of Canada	
Sons of Norway     _   	
Sons of Scotland Benevolent Assoc._.. _ _ _	
Supreme Council of the Royal Arcunum   	
Ukrainian Mutual Benefit Assoc, of St. Nicholas of Canada..
United Commercial Travelers of America _ _	
United Transportation Union Insurance Assoc _	
Workers' Benevolent Assoc, of Canada  	
Totals for 1978   _ _ _.
Totals for 1977..
21,000
116,867
36,447
29,800
8,445
819,029
47,203
198,632
32,243
21,962
130,174
5,804
3,105
15,145
28,682
1,514,538
1,901,692
$
7,799
5,792
45,948
893
150
288
22,656
7,728
185
28,799
116,867
42,239
29,800
8,445
864,977
47,203
199,525
32,243
22,112
130,174
5,804
3,393
22,656
22,873
28,867
91,439    |    1,605,977
149,600
2,051,292
LIST  FOR FRATERNAL SOCIETIES
Life Insurance Effected and Life Insurance in Force
In Force
Dec. 31, 1977
New
Effected
Dec. 31, 1978
Actra Fraternal Benefit Society— 	
Aid Association for Lutherans  -	
Associated Canadian Travellers 	
Canadian Foresters Life Insurance Society-
Canadian Slovak League _	
Canadian Woodmen of the World _	
Catholic Order of Foresters 	
Croatian Fraternal Union of America	
Electrical Workers Benefit Assoc—
First Catholic Slovak Ladies' Assoc, of the United States of America..
Grand Orange Lodge of British America.  _ _   —
Independent Order of Foresters  —
Knights of Columbus  - _   	
Lutheran Life Insurance Society of Canada— _ 	
North American Benefit Assoc   _ 	
North West Commercial Travelers' Assoc, of Canada.
Sons of Norway  _     _	
Sons of Scotland Benevolent Assoc  _ 	
Supreme Council of the Royal Arcunum..
Ukrainian Mutual Benefit Assoc, of St. Nicholas of Canada-
United Commercial Travelers of America   	
United Transportation Union Insurance Assoc  _	
Workers' Benevolent Assoc, of Canada    	
Totals for 1978.
Totals for 1977..
5,114,000
11,536,088
55,000
967,228
6,270,600
272,978
246,586,677
10,075,155
23,358,507
469,905
2,392,667
4,269,897
3,935,360
193,583
47,418
907,808
703,895
317,156,766
288,190,272
$
240,000
970,706
6,000
365,500
470,400
1,000
30,560,621
5,252,460
3,627,699
9,882
266,130
1,391,790
112,000
3,000
3,000
4,345,500
10,488,538
60,000
1,260,827
7,278,400
264,206
263,592,556
13,824,297
23,445,046
445,610
2,432,089
4,890,074
3,920,491
193,297
46,446
739,046
686,406
43,280,188 | 337,912,829
38,073,775 | 307,653,655
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1978
55
TABLE IV—PROPERTY INSURANCE PREMIUMS AND LOSSES FOR 1978
(Figures shown in nearest dollar. Direct claims include adjustment expenses.)
Name of Insurer
Direct Premiums
Written
(1)
Direct Losses
Incurred
(2)
Ratio of
(2) to (1)
Acadia Insurance Co  	
Adanac General Insurance Co. of Canada-
Aetna Casualty Co. of Canada	
Aetna Casualty & Surety Co	
Aetna Insurance Co 	
Affiliated FM Insurance Co	
Agricultural Insurance Co..	
Albion Insurance Co. of Canada .
Allendale Mutual Insurance Co.—
Alliance Assurance Co. Ltd	
Allstate Insurance Co	
Allstate Insurance Co. of Canada	
American Bankers Insurance Co. of Florida .
American Home Assurance Co	
American Insurance Co	
American National Fire Insurance Co..	
American Reserve Insurance Co	
American Road Insurance Co	
Anglo-Canada General Insurance Co _ _	
Arkwright-Boston Manufacturer's Mutual Insurance Co.
Balboa Insurance Co	
Bankers and Traders Insurance Co.
BCAA Insurance Co	
Beaver Insurance Co	
Ltd.
British American Assurance Co.	
British Aviation Insurance Co. Ltd.-	
British Columbia Plate Glass Insurance Co.
British Economic Insurance Co. Ltd	
Buffalo Insurance Co  	
Calvert Fire Insurance Co	
Canada Accident and Fire Assurance Co-
Canada Security Assurance Co	
Canadian Commerce Insurance Co—	
Canadian General Insurance Co _	
Canadian Home Assurance Co	
Canadian Indemnity Co	
Canadian Pioneer Insurance Co.	
Canadian Provincial Insurance Co	
Canadian Surety Co   	
Casualty Co. of Canada .
Baltica-Skandinavia Insurance Co. of Canada	
Centennial Insurance Co..	
Century Insurance Co. of Canada. 	
Chrysler Insurance Co	
Citadel General Assurance Co..	
CNA Assurance Co. 	
Commerce & Industry Insurance Co	
Commerce & Industry Insurance of Canada .
Commercial Union Assurance Co. Ltd	
Commercial Union Assurance Co. of Canada-
Commonwealth Insurance Co—	
Connecticut General Life Insurance Co..	
Consolidated Fire & Casualty Insurance Co-
Constitution Insurance Co. of Canada	
Continental Casualty Co 	
Continental Insurance Co.	
Co-operative Fire & Casualty Co.  	
Cornhill Insurance Co. Ltd.	
Coronation Insurance Co. Ltd —	
Cumis Insurance Society, Inc.—	
Dominion Insurance Corp.
Dominion of Canada General Insurance Co...
Eagle Star Insurance Co. of Canada	
Eagle Star Insurance Co. Ltd .....	
Eaton/Bay Insurance Co 	
Ecclesiastical (Ins.) Office Ltd	
Economical Mutual Insurance Co..	
Elite Insurance Co  	
Emmco Insurance Co.	
Employer's Liability Assurance Corp. Ltd —
Employers Mutual Fire Insurance Co	
Employers Mutual Liability Insurance Co. of Wisconsin .
945,030
278,659
2,469
3,174,755
7,929
3,044,997
3,287,901
228,567
4,477,083
—120,538
99,029
7,569
9,370
476,110
38,160
913,223
7,691
230
136,666
289,097
7,035,375
25,198
663,557
201,924
3,215,547
5,613
846,552
447,667
31,262
9,856,445
18,310,683
90,086
901,006
4,901,213
7,234,893
1,195,350
191,935
759,388
2,012,645
3,610,575
105,812
963,629
395
6,481,790
111,727
471,389
291,052
133,974
174,093
160,108
—14,339
-1,526,757
—1,027
1,395,518
1,286,669
65,993
1,204,744
2,439,381
434
23,583
31,227
386,337
92,093
3,176
106,298
125,471
2,761,527
—11,432
342,932
42,407
66,457
1,248,285
377,009
-22,932
5,810
3,985,016
21,380,193
14,380
501,660
2,235,743
3,507,859
347,562
21,232
358,423
541,620
1,851,746
—1,699
78,254
177,690
320
2,797,034
26,723
-11,724
Per Cent
543
174
218
256
346
372
2,159
2,019
122
236
316
4,218
129
230
256
194
476
262
225
538
247
86
627
18
219
206
344
904
212
372
195
135
542
123
232
418
 56
BRITISH COLUMBIA
TABLE IV—PROPERTY INSURANCE PREMIUMS AND LOSSES
FOR 1978—Continued
(Figures shown in nearest dollar.  Direct claims include adjustment expenses.)
Name of Insurer
Direct Premiums
Written
(1)
Direct Losses
Incurred
(2)
Ratio of
(2) to(l)
English & American Insurance Co. Ltd..
Excess Insurance Co. Ltd.....	
Federal Fire Insurance Co. of Canada...
Federal Insurance Co	
Federated Mutual Insurance Co	
Federation Insurance Co. of Canada.—
Fidelity Insurance Co. of Canada.-	
Fidelity & Casualty Co. of New York-
Fire Insurance Co. of Canada	
Fireman's Fund Insurance Co....	
Fireman's Fund Insurance Co. of Canada-
Fireman's Insurance Co. of Newark, N.J-.
First National Insurance Co. of America-
Florist's Mutual Insurance Co  	
Foremost Insurance Co. Grand Rapids, Mich-
Foresters Indemnity Co-
Fruit Growers Mutual Insurance Co	
General Accident Assurance Co. of Canada	
General Accident Fire & Life Assurance Corp. Ltd-
General Insurance Co. of America _	
General Security Assurance Corp. of N.Y _	
General Security Insurance Co. of Canada	
Gerling Global General Insurance Co.	
Gibraltar General Insurance Co	
Globe Indemnity Co. of Canada	
Gore Mutual Insurance Co	
Grain Insurance & Guarantee Co	
Granite State Insurance Co	
Great American Insurance Co —	
Great Eastern Insurance Co.  	
Guarantee Co. of North America 	
Guardian Assurance Co. Ltd.	
Guardian Insurance Co. of Canada	
Guildhall Insurance Co. of Canada	
Halifax Insurance Co 	
Hanover Insurance Co.	
Hartford Fire Insurance Co   	
Home Insurance Co. _ 	
Hudson Bay Insurance Co.
Imperial Guarantee & Accident Insurance Co. of Canada .
INA Insurance Co. of Canada	
Indemnity Marine Assoc. Co. Ltd..	
Insurance Co. of North America	
Insurance Corp. of Ireland Ltd	
Kansas General Insurance Co	
Law, Union & Rock Insurance Co. Ltd	
Liberty Mutual Fire Insurance Co.	
Liberty Mutual Insurance Co  	
Liverpool & London & Globe Insurance Co. Ltd-
London & Lancashire Insurance Co. Ltd	
London & Midland General Insurance Co	
London & Scottish Assurance Corp. Ltd	
London Assurance _	
Lumbermen's Mutual Casualty Co	
Lumbermen's Underwriting Alliance	
Maritime Insurance Co. Ltd 	
Markel Insurance Co. of Canada 	
Maryland Casualty Co	
Merit Insurance	
Middlesex Mutual Insurance Co— _	
Motors Insurance Corp..
Mutual Fire Insurance Co. of B.C	
National Employers Mutual General Insurance Assoc. Ltd-
New Hampshire Insurance Co	
New Indian Assurance Co. Ltd	
New Zealand Insurance Co	
Niagara Fire Insurance Co.
Non-Marine Underwriters, member of Lloyd's, London, Eng.
North American Co. for Property & Casualty Insurance	
North British & Mercantile Insurance Co. Ltd.	
$
348,444        |
246,841
9,522,920
16,351
2,734
406,813
7,391,540
703,436
7,851
7,147,160
627,553
2,508,114
556,404
17,417
6,140
16,448,751
4,058,222
111,922
316,804
238,389
1,205,655
340,235
574
8,352
538
381,026
72,326
3,293,597
1,616,830
-125
856,178
5,075
40
1,118,900
29,487
—23,517
11,012,607
-413
156,201
1,003,460
2,412,024
321,598
$ |    Per Cent
130,549        | 267
-25,565
544,254
880,418
128,225
-3,608
145,253
2,920,407
25,970
736
426,330
3,633,386
16,568
909
2,611,484
198,124
1,147,412
582,534
100
7,235,854
2,158,729
20,126
65,320
-2,492
251,705
93,032
7,416
163
101,546
—9fi52
756,538
60,774
268,358
841,409
5,186
-55
4,159,358
95
184
274
251
170
326
63
372
95
203
4,246
864
274
317
219
10
227
188
556
485
479
366
113
330
315
435
2,660
319
133
569
265
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1978
57
TABLE IV—PROPERTY INSURANCE PREMIUMS AND LOSSES
FOR  1978—Continued
(Figures shown in nearest dollar.  Direct claims include adjustment expenses.)
Name of Insurer
Direct Premiums
Written
(1)
Direct Losses
Incurred
(2)
Ratio of
(2) to (1)
$
|               $
Per Cent
2,141,789
|          2,720,509
8,297
79
Ocean Accident & Guarantee Corp. Ltd	
43,658
—64
83,239
817
—286
2,660
|               12,835
2,162
|              32,734
194
—1,051
340
254
421
Pearl Assurance Co. Ltd-  	
Perth Insurance Co	
134,197
21,779
102,010
1,035,511
39,980
2,596,021
203,503
1
Phoenix Assurance Co. Ltd..	
j                   509
—73,182
835,687
4,219
124
Pool Insurance Co  	
—68,160
154,485
132
Prudential Assurance Co. Ltd	
781
-572
Queensland Insurance Co. Ltd.	
Reliance Insurance Co. of Philadelphia 	
101,289
46,465
98,211
907,604
15,532,500
—10,157
1,032
15,118
185,913
6,731,851
3,108,850
182,167
263,444
4,502
650
488
Royal Insurance Co. Ltd  	
231
1,864,550
773,716
1,024
294
Saskatchewan Mutual Insurance Co	
300,610
232,614
129
175,740
106,134
166
1,427,378
6,316
1,184,550
121
State Farm Fire & Casualty Co	
—1,353
1,088,601
2,877,537
264
Switzerland General Insurance Co. Ltd	
374,298
254,795
307,027
1,328,220
127
216,786
56,298
89,644
173
453
343
526,008
4
253
3,175
221,961
4,695,378
701,031
64
168
1,946
2,817,604
11,406
167
—176,340
—19,573
610,877
1,677,301
115,333
70,266
1,007,613
9,072,487
152,522
751,475
137,999
16,646
688,021
3,265,682
401
223
84
422
16
278
118,679
1,722,339
715,145
—13,994
1,069,626
236,269
         |
161
Yasuda Fire & Marine Insurance Co. Ltd	
303
5,645,452
1,851,317        |
306
Total for 1978                    -	
221,051,205
106,333,144        |
48
Total for 1977	
248,230,691
101,324,431        |
41
 58
BRITISH COLUMBIA
TABLE V—PROPERTY INSURANCE SUMMARY
(000's omitted)
Year
Net
Premiums
Earned
Net
Losses
Incurred
Ratio Losses
Incurred to
Premiums
Earned
1074
$
114,495
137,819
209,699
248,230
221,051
1          •
96,512
97,114
112,422
101,324
106,333
Per Cent
84
1975 -	
71
1976                                               	
53
1977...     ..    	
1978....                      	
41
48
 REPORT OF THE SUPERINTENDENT OF INSURANCE,  1978 59
TABLE VI—RECIPROCAL EXCHANGE PBEMIUMS AND LOSSES FOR  1978
Name of Exchange
Net
Premiums
Written
(1)
Net
Premiums
Earned
(2)
Net
Losses
Incurred
(3)
Net
Ratio of
(3) to (2)
Canners Exchange Subscribers at Warner Inter-Insurance
Bureau _	
$
88,408
1,616,830
$
104,850
1,477,399
$
—1,258
69,023
Per Cent
4.7
Truck Insurance Exchange 	
Totals for 1978	
1,705,238    1    1,582,249    1         67,765    1        4.3
Totals for 1977	
1,422,641
1,728,482
173,302
10 0
 60
BRITISH COLUMBIA
TABLE VII—AUTOMOBILE INSURANCE PREMIUMS AND CLAIMS FOR 1978
(Figures shown in nearest dollar.   Direct claims include adjustment expenses.)
Name of Insurer
Direct Premiums
Written
(1)
Direct Claims
Incurred
(2)
Acadia Insurance Co  	
Adanac General Insurance Co. of Canada-
Aetna Casualty & Surety Co-
Aetna Casualty Co. of Canada	
Aetna Casualty & Surety Co. of Canada-
Aetna Insurance Co	
2,637
60
Affiliated FM Insurance Co	
Albion Insurance Co. of Canada .
Allstate Insurance Co 	
258
Allstate Insurance Co. of Canada-
American Home Assurance Co	
American Insurance Co  	
American Mutual Liability Insurance Co-
American National Fire Insurance Co.	
American Re-Insurance Company	
American Road Insurance Co.  	
Bankers & Traders Insurance Co. Ltd	
B.C.A.A. Insurance Co  	
Beaver Insurance Co  	
7,086
77,590
—1,130
501
173,018
British America Assurance Co. —
British Columbia Motorist Insurance Co..
Calvert Fire Insurance Co  	
Canada Accident and Fire Assurance Co...
Canada Security Assurance Co	
Canadian Commerce Insurance Co —
Canadian General Insurance Co 	
Canadian Home Assurance Co 	
Canadian Indemnity Co  	
Canadian Pioneer Insurance Co	
Canadian Provincial Insurance Co	
Canadian Surety Co-
Casualty Co. of Canada  	
Century Insurance Co. of Canada..
Chrysler Insurance Co-
Citadel General Assurance Co.
CNA Assurance Co	
Commerce and Industry Co. of Canada 	
Commercial Union Assurance Co. Ltd	
Commercial Union Assurance Co. of Canada-
Commonwealth Insurance Co  —
Consolidated Fire & Casualty Insurance Co	
Constitution Insurance Co. of Canada...	
Continental Casualty Co _ _ 	
Continental Insurance Co  	
Co-operative Fire & Casualty Co —
Cornhill Insurance Co. Ltd  — —
Cumis Insurance Society, Inc  	
Done Insurance Corp. Ltd   	
Dominion Insurance Corp..
575
3,590
238
176,902
2,018
17
199,310
23,079
54,780
40,502
441,651
64,088
675
584
587
2,267
Dominion of Canada General Insurance Co...
Eagle Star Insurance Co. Ltd.	
Eaton Insurance Co 	
Economical Mutual Insurance Co-
Elite Insurance Co	
Emmco Insurance Co —	
20
Employers' Liability Assurance Corp. Ltd-
Employers Mutual Casualty Co..
Employers Mutual Liability Insurance Co. of Wisconsin .
Employers Mutual Fire Insurance Co   _	
Employers Re-Insurance Corp  —  	
Excess Insurance Co. Ltd    _	
Federal Fire Insurance Co. of Canada 	
Federal Insurance Co     	
Federated Mutual Insurance Co 	
Federation Insurance Co. of Canada— 	
Fidelity & Casualty Co. of New York-  	
Fidelity Insurance Co. of Canada 	
Fire Insurance Co. of Canada 	
Fireman's Fund Insurance Co — -	
725
51
90,053
Fireman's Fund Insurance Co. of Canada..
7
3
25
910,824
—334
16,230
488
5,000
—270
—322
—16,554
151,307
—196
1,797
76,392
ZZ41/32
24,738
47,976
—58,894
464,216
123,444
16,900
—31,130
106,740
—2,424
59,664
337,566
T02,030
718,360
—599
93,307
29,214
-23,917
4,106
—1,436
—596
65,426
101,092
—7,118
6,961
10,408
10,070
1,238,039
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1978
61
TABLE VII—AUTOMOBILE INSURANCE PREMIUMS AND CLAIMS
FOR 1978—Continued
(Figures shown in nearest dollar.   Direct claims include adjustment expenses.)
Name of Insurer
Direct Premiums
Written
(1)
Direct Claims
Incurred
(2)
Firemen's Insurance Co. of Newark, N.J..
First National Insurance Co. of America-
Foremost Insurance Co., Grand Rapids, Mich	
Fruit Growers Mutual Insurance Co	
General Accident Assurance Co. of Canada-
General Accident Fire & Life Assurance Corp. Ltd—
General Insurance Co. of America-
General Security Assurance Corp. of N.Y-
General Security Insurance Co. of Canada..
Gerling Global General Insurance Co	
Gibraltar General Insurance Co _ —
Globe Indemnity Co. of Canada	
Gore Mutual Insurance Co  _	
Granite State Insurance Co.	
Great American Insurance Co— 	
Great Eastern Insurance Co 	
Guardian Assurance Co. Ltd—	
Guardian Insurance Co. of Canada-
Guildhall Insurance Co. of Canada-
Halifax Insurance Co 	
Hartford Fire Insurance Co	
Home Insurance Co. 	
Hudson Bay Insurance Co	
Ideal Mutual Insurance Co-
Imperial Guarantee & Accident Insurance Co. of Canada..
INA Insurance Co. of Canada  	
Insurance Co. of North America  	
Insurance Corp. of Ireland Ltd	
Law, Union & Rock Insurance Co. Ltd-
Liberty Mutual Fire Insurance Co —
Liberty Mutual Insurance Co-
Liverpool & London & Globe Insurance Co. Ltd...
London & Edinburgh Insurance Co. Ltd 	
London & Lancashire Insurance Co. Ltd	
London & Midland General Insurance Co..._	
London & Scottish Assurance Corp. Ltd	
London Assurance 	
Lumbermen's Mutual Casualty Co...
Markel Insurance Co. of Canada—
Maryland Casualty Co —	
Merit Insurance Co-
Missiquoi & Rouville Insurance Co-
Motors Insurance Corp—
Mutual Boiler & Machinery Insurance Co 	
National Employers Mutual General Insurance Assoc. Ltd—
New Hampshire Insurance Co 	
New India Assurance Co. Ltd _ _ 	
Niagara Fire Insurance Co..
Non-Marine Underwriters, member of Lloyd's, London, Eng-
North American Co. for Property and Casualty Insurance	
North British & Mercantile Insurance Co. Ltd  	
Northern Assurance Co. Ltd   	
Northumberland General Insurance Co	
Norwich Union Fire Insurance Society Ltd.
Ocean Accident & Guarantee Corp. Ltd	
Old Republic Insurance Co —
Olympic Insurance Co — —
Orion Insurance Co. Ltd—  	
Pacific Employers Insurance Co-
Pearl Assurance Co— —
Perth Insurance Co 	
Phoenix Assurance Co. of Canada	
Provincial Insurance Co. Ltd	
Prudential Assurance Co. Ltd	
Quebec Assurance Co.... —
Queensland Insurance Co. Ltd	
Reliance Insurance Co. Philadelphia..
Royal Exchange Assurance _	
Royal General Insurance Co. Ltd	
$
3,824
47,047
835
—233
4,850
25
49
58,191
940
719
12,540
1,222
8,623
63,018
—5
205,936
42,163
16,924
166
11,500
5
9,195
5,917
94
$
43,285
79,471
38,711
—2,422
—22,875
3,624
72,293
2,517
26,193
—48,048
376
9,001
10,919
37,506
32,873
5,932
6,590
-29.728
41,522
125,557
—3,663
30,761
-90,276
939
-1,448
—124
—33,102
4,244
—57,572
18,050
 62
BRITISH COLUMBIA
TABLE VII—AUTOMOBILE INSURANCE PREMIUMS AND CLAIMS
FOR  1978—Continued
(Figures shown in nearest dollar.   Direct claims include adjustment expenses.)
Name of Insurer
Direct Premiums
Written
(1)
Direct Claims
Incurred
(2)
Royal General Insurance Co. of Canada..
Royal Insurance Co. Ltd 	
Safeco Insurance Co. of America	
Sovereign General Insurance Co	
St. Paul Fire & Marine Insurance Co	
Saskatchewan Mutual Insurance Co 	
Scottish Canadian Assurance Corp	
Scottish Union & National Insurance Co-
Security Mutual Casualty Co	
Sentry Insurance & Mutual Co.. 	
Service Fire Insurance Co. of New York-
Stanstead & Sherbrooke Insurance Co	
State Farm & Fire Casualty Co 	
State Farm Mutual Auto Insurance Co	
Sun Alliance Insurance Co 	
Sun Insurance Office Ltd	
Switzerland General Insurance Co. Ltd—
Tokio Marine & Fire Insurance Co. Ltd...
Toronto General Insurance Co 	
Traders General Insurance Co	
Transport Indemnity Co 	
Transport Insurance Co 	
Travelers Indemnity Co-
Travelers Indemnity Co. of Canada	
Transportation Indemnity Co. of Canada.
Unigard Mutual Insurance Co-
Union Insurance Society of Canton Ltd.
United Canada Insurance Co _	
United States Fidelity 8c Guarantee Co-
United States Fire Insurance Co.  _.
Unity Fire & General Insurance Co	
Utica Mutual Insurance Co. 	
Victoria Insurance Co. of Canada..
Wawanesa Mutual Insurance Co-
Wellington Fire Insurance Co	
Westchester Fire Insurance Co	
Westco Insurance Co— 	
Western Assurance Co 	
Western Union Insurance Co-
Yorkshire Insurance Co. Ltd...
Zurich Insurance Co 	
Totals for 1978..
Totals for 1977-
7,211,824
$
$
4,044,020
510
9
24,204
8
3,047,837
56,706
1,977
—4,771
—1,877
1,788
—1,564
50
—97,606
721
22,845
44,877
—3,695
780
19,381
1,934
—59,270
—605
—7,875
4,571
—23,720
253,896
102
149,238
1,026
14,654
—731
2,876
—3,779
39,971
10,445
—5,388
4,309
—75
123
23,398
2,826
35,183
—7,173
56,044
47,540
62,394
7,720,825
362,189,099
242,994,986
 REPORT OF THE SUPERINTENDENT OF INSURANCE,  1978 63
TABLE VIII—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES FOR 1978
Fidelity
Surety
Name of Insurer
Net
Premiums
Written
Net
Losses
Incurred
Net
Premiums
Written
Net
Losses
Incurred
$
$
7,695
11,041
2,468
$
$
2,487
3,780
126
42,267
102,072
27
—7,154
Affiliated FM Insurance Co -	
Alliance Assurance Co. Ltd.	
1,043
226
—1,284
Argonaut Insurance Co 	
18,053
Canada Accident & Fire Assurance Co.   _ 	
82,781
118,081
—2,739
340,614
57,907
93,175
1,156,120
128,947
441
6,304
—80,790
2,988
366
23,340
14,800
200
4,395
6,671
-660
Citadel General Assurance Co. 	
Commercial Union Assurance Co. Ltd.. _    ..
-10,689
100,880
-489
1,060
—2,576
-14,143
52,834
135,138
—212
2,200
118,084
13,299
317,379
11,707
3,570
236,898
15,963
519
14,082
Cumis Insurance Society, Inc 	
93,945
8,798
575
779
1,087,065
529,629
Employers Liability Assurance Corp. Ltd.	
907
6,641
9,184
Federal Fire Insurance Co. of Canada .         	
—4,588
54,898
3,095
Fidelity & Casualty Co. of N.Y  	
—625,000
4,198
8,708
918
52,746
47,357
1,153,574
1,694
283,026
—350,254
Fireman's Fund Insurance Co 	
26,879
3,168
50,111
4,061
—804
-6,933
63,692
799
2,287
—5,857
490
6,769
300
15,259
81
327,927
100,330
154,414
2,207
3,639
—11,300
377,422
—16,730
3,531
514
4,000
-480
2,118
21,653
6,590
50
316
1,110
1,533
 64
BRITISH COLUMBIA
TABLE VIII—MISCELLANEOUS INSURANCE PREMIUMS AND
FOR   1978—Continued
LOSSES
Fidelity
Surety
Name of Insurer
Net
Premiums
Written
Net
Losses
Incurred
Net
Premiums
Written
Net
Losses
Incurred
$
$
$
$
51,649
120
97,317
12,925
120,640
  1 	
6,510
i
2,959
5,112
737
—612
—40
11,468
100
—2,414
12,701
92,509
842
8,760
3,488
39,275
264,204
8,300
74,092
296
—63,233
10,157
—486
—6282
2,600
—722
..
14,024
State Farm Fire & Casualty Co	
  1
25,503
2,550
7,548
904
16,999
28,267
15,673
2,315
1,508
579
3,376
31,649
129,104
—1
5,684
2,063
54
66,319
770
—128,392
United States Fire Insurance Co.	
—18
10,566
4,483
—2,593
2,140
605,141
24
10,000
28
15,118
15,336
Totals for 1978	
1,929,074
353,592
6,459,741
239,263
Totals for 1977	
1,779,618
1,179,752
6,364,912
2,094,139
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1978
65
TABLE VIII—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1978—Continued
.
Liability
Boiler and Machinery
Name of Insurer
Net
Premiums
Written
Net
Losses
Incurred
Net
Premiums
Written
Net
Losses
Incurred
$
i
$
$
$
16,523
152,194
5,654
-24,101
23,162
88,424
259
—3
10,460
17,159
—800
1,069
1,223,120
6,156
317,335
467,232
947,923
—23,701
410
286,185
236,792
92,554
326,683
287
1,331,411
2,258,173
39,746
73,619
37,831
594,448
-5,564
562
4,246
10
11,478
7,864,922
128,171
10,085
4,222,352
	
106,701
2,398
49,905
244,796
398,369
.
38,600
413
103,945
167,829
197,519
317
4,090
51,983
47,077
1,506,385
1,914,184
663,174
1,023,224
78,556
62,190
559,784
452,983
116,203
4,551
97,318
336,358
257,971
3,150
719,401
153,150
11,829
52,219
—6,675
16,594
—36,786
116,686
2,500
23,390
763
—3,570
73,696
—463
—4,315
254,118
1,932
411,864
7,248
Employers Re-Insurance Co    .
English & American Insurance Co. Ltd—   -	
319,627
190,226
—1,306
1,350
353,049
67,218
-96,152
—61,208
47,262
4,858
2,778
 66
BRITISH COLUMBIA
TABLE VIII—MISCELLANEOUS INSUBANCE PREMIUMS AND LOSSES
FOR 1978—Continued
Liability
Boiler and Machinery
Name of Insurer
Net
Premiums
Written
Net
Losses
Incurred
Net
Premiums
Written
Net
Losses
Incurred
$
$
1,830
128,051
344,575
$
$
215,427
1,016,026
1,855
60
Fireman's Insurance Co. of Newark, N.J..	
Foremost Insurance Co. of Grand Rapids, Mich	
272
360
1,918,504
544,269
General Accident Fire & Life Assurance Corp. Ltd	
135,340
—115,014
General Security Assurance Corp. of N.Y-	
411,393
1,536,334
259,189
236,748
949,922
115,138
837,739
24,105
241,529
73,500
112,015
21,926
4,254
50,449
17,908
2,852,922
1,322,845
14,868
4,764
385,101
322
9,931
65,091
319,699
2,411
—90,901
30,693
418
1,071
196
167,342
15,026
505
2,480
258,364
Liverpool & London & Globe Ins. Co. Ltd  	
9,758
1,377
470,521
186,512
1,007
92,607
404,449
38,981
-14,436
National Employers' Mutual General Insurance Assoc. Ltd.
New Hampshire Insurance Co  	
10
349,096
6
84,000
Non-Marine Underwriters, member of Lloyds, London, Eng....
977,830
605,432
281,405
16,099
-251
2,161
345
15,033
48,394
	
87,167
—25,950
250
-1,047
	
483
41,687
	
	
 I 	
1
 REPORT OF THE SUPERINTENDENT OF INSURANCE,  1978
67
TABLE VIII—MISCELLANEOUS INSUBANCE PBEMIUMS AND LOSSES
FOR 1978—Continued
Liability
Boiler and Machinery
Name of Insurer
Net
Premiums
Written
Net
Losses
Incurred
Net
Premiums
Written
Net
Losses
Incurred
$
$
$
171,297
$
147,003
354
4,323
2,469
145,936
133,128
1,086,359
261,426
48,785
52,269
2,680,579
378,736
380,063
10,482
5,071
336,230
—837
—59,645
3,162
—287
14,229
2,076
1,545
-11
— 77
32,520
7
61,483
—6,420
325,448
232,584
12,704
39,428
4,114
1,792
—588
26,651
414
32,863
961,787
9,506
3,614,128
3,427
— 762
33,270
....
44,175
369,534
1,229
12,577
403
12
283,888
1,727,592
15,002
462
147,934
964,022
1,386
944
58
891,130
918,185
194,823
1,172,760
78,167
127,232
61,609
155,496
2,052
1,847
607,547
115,050
5,855
Totals for 1978 ._	
34,052,552
26,218,228
5,103,125
3,689,197
Totals for 1977                                          .    .
39,022,581
27,475,231
5,200,096
1,552,256
 68
BRITISH COLUMBIA
TABLE VIII—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1978—Continued
Aircraft
Marine
Name of Insurer
Net
Premiums
Written
Net
Losses
Incurred
Net
Premiums
Written
Net
Losses
Incurred
$
1
1         $
$
....
$
32
73,602
1
5,323
15,008
-29,192
72,135
1,446,725
247,350
-10,959
135,013
391,547
1,456
3,204
669,063
914,929
—5,945
19
2,452
1,082
83
1,029,336
1,368,746
235,149
263,284
214,578
1,381,452
175,834
2,027,547
953,751
682,176
1,938
196,533
286,343
314,663
303 227
113
92,452
99 676
196,574
339,299
1,422
404,290
523,379
14
220
86,986
39,339
5,542
247,853
317,987
2,718,162
7,369
204,750
102,807
1,542,176
—5,930
51,775
180
91
—13,168
157,105
728,332
654
568,208
—99
280,098
27,372
Home & Overseas Insurance Co. Ltd.	
— 7,431
5,271
448
	
121,112
167,979
455,962
183,088
London & Hull Maritime Insurance Co. Ltd	
London & Scottish Assurance Corp..	
165
7,069
Malvern Insurance Co. Ltd..	
Maritime Insurance Co. Ltd. __   __.
	
1
1
3,779 |
—5
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1978
69
TABLE VIII—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1978—Continued
'
Aircraft
Marine
Name of Insurer
Net
Premiums
Written
Net
Losses
Incurred
Net
Premiums
Written
Net
Losses
Incurred
$
9,720
$
$
$
Maryland Casualty Co. _.
Middlesex Mutual Insurance Co.	
3,060
131,856
92,095
Non-Marine Underwriters, member of Lloyds, London, Eng. __
2,754,519
3,885,804
309
Northern Assurance Co. Ltd.	
90,123
131,106
5
27,085
88,703
3,104,100
2,149,440
89
22,040
480,040
17,499
Phoenix Assurance Co. Ltd. ,	
571,046
511,996
309,726
6,761
—65
1,200
396,459
172,146
42,486
70,011
313,558
6,176
203,132
5,501
301,850
213,574
53,580
223,191
201,006
145,216
101,831
1,237,146
—21,546
176,660
8,717
88,592
3,080
66,641
12,475
1,200
207,319
209,478
World Auxiliary Corp. Ltd _.. .._	
Totals for 1978	
11,211,573
11,433,567
10,682,210
8,476,101
Totals for 1977    .
23,188,169
9,844,225
18,239,455
16,908,680
 70
BRITISH COLUMBIA
TABLE VIII—MISCELLANEOUS INSUBANCE PREMIUMS AND LOSSES
FOR 1978—Continued
Credit
Title and Mortgage
Name of Insurer
Net
Premiums
Written
Net
Losses
Incurred
Net
Premiums
Written
Net
Losses
Incurred
$
58,366
1
$
3,081
I
$
—5,765
1,264
32,965
1,565,479
6,023,978
1,553,011
3,947,276
...
Totals for 1978 —  	
7,680,788
347,389
5,497,603
3,910
1,264
5,538,979
Totals for 1977	
	
1,701,183
 REPORT OF THE SUPERINTENDENT OF INSURANCE,  1978
71
TABLE VIII—MISCELLANEOUS INSUBANCE PREMIUMS AND LOSSES
FOR 1978—Continued
Personal Accident and Sickness
Name of Insurer
Net
Premiums
Written
Net
Losses
Incurred
$
$
Alliance Assurance Co. Ltd.	
18,653
-53,536
—1,660
275,666
757
442,779
1,718
2,063
958
520,118
9,389
1,413,430
322,689
2,779
520,106
2,821
7,470
29,619
5,532,393
5,423,559
40
20
3,177,506
1,786,991
456,890
324,808
9,813,647
5,967,665
1,083,333
1,176,743
3,221
30
139,502
556,758
26,705,131
—200
121,374
310,722
20,908,560
7,089
23,234
313
185,779
1,892,787
51,631
9,819
114,710
1,613,502
Dominion of Canada General Insurance Co 	
75,911
13,099
12,299
2,119
4,547
119
527,085
372,004
4,363,213
4,284,426
933
 72
BRITISH COLUMBIA
TABLE VIII—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1978—Continued
Name of Insurer
Personal Accident and Sickness
Net
Premiums
Written
Net
Losses
Incurred
Fidelity & Casualty Co. of New York	
Financial Life Assurance Co. of Canada-
Fireman's Fund Insurance Co....	
Fireman's Insurance Co. of Newark, N.I.Ford Life Insurance Co 	
Foresters Indemnity Co	
Franklin Life Insurance Co	
Fraser Valley Mutual Insurance Co	
Fruit Growers Mutual Insurance Co _	
General Accident Assurance Co. of Canada	
General Accident Fire & Life Assurance Corp. Ltd..
General Fire & Casualty Co..
Globe Indemnity Co. of Canada-
Globe Life Insurance Co.	
Great American Insurance Co	
Great Eastern Insurance Co	
Federated Life Insurance Co..	
Great-West Life Assurance Co	
Guarantee Co. of North America .
Guardian Assurance Co. Ltd 	
Guardian Insurance Co. of Canada-
Guildhall Insurance Co. of Canada .
Halifax Insurance Co. 	
Hartford Fire Insurance Co	
Hudson Bay Insurance Co-
Imperial Guarantee & Accident Insurance of Canada-
Imperial Life Assurance Co. of Canada	
Income Disability & Reinsurance Co. of Canada	
Industrial Indemnity Co.—	
Insurance Co. of North America 	
Insurance Corp. of Ireland Ltd.
John Hancock Mutual Life Insurance Co..
Laurier Life Insurance Co 	
Liberty Mutual Insurance Co.	
Life Insurance Co. of North America...
Liverpool & London & Globe Insurance Co. Ltd-
London & Lancashire Insurance Co. Ltd	
London & Midland General Insurance Co.	
London & Scottish Assurance Corp. Ltd	
London Assurance-
London Life Insurance Co	
Loyal Protective Life Insurance Co.	
Lumbermen's Mutual Casualty Co	
Maccabees Mutual Life Insurance Co-
Manufacturers Life Insurance Co	
Maritime Life Assurance Co  	
Markel Insurance Co. of Canada	
Maryland Casualty Co-
Maryland Life Insurance Co. of Baltimore-
Metropolitan Life Insurance Co	
Ministers Life & Casualty Union 	
Monarch Life Assurance Co	
Montreal Life Insurance Co.	
Mony Life Insurance Co. of Canada..	
Mutual Life Assurance Co. of Canada	
Mutual Life Insurance Co. of New York	
Mutual of Omaha Insurance Co 	
National Fidelity Life Insurance Co	
National Life Assurance Co. of Canada
New York Life Insurance Co	
Niagara Fire Insurance Co..
Non-Marine Underwriters, member of Lloyd's, London, Eng..
North American Life & Casualty Co.  	
North American Life Assurance Co  	
North British & Mercantile Insurance Co. Ltd 	
Northern Assurance Co. Ltd  	
110,629
3,962
1,106
7,472
15,433,710
750
206,604
35,721
306
1,091
127,371
579,650
381
6,234,229
267,602
4,505
64,438
117,326
734,099
302,652
964,749
1,425,119
2,268
1,277
23,804
64,799
114,257
5,664,213
231,720
259,468
2,188,377
2,344
963,056
37,879
29,739
40,689
—235
13,054,979
12,952
-1,549
3,033
22,372
—373
191,588
295,201
5,362,175
106,603
55,243
49,219
768,008
167,270
411,673
1,263,455
719
1,277
11,658
1,253
98,080
3,221,742
36,542
240,004
604,095
706,336
 REPORT OF THE SUPERINTENDENT OF INSURANCE, 1978
73
TABLE VIII—MISCELLANEOUS INSURANCE PREMIUMS AND LOSSES
FOR 1976—Continued
Personal Accident and Sickness
Name of Insurer
Net
Premiums
Written
Net
Losses
Incurred
$
32,964
$
11,612
3,023,859
2,127,852
1,202,266
349,018
303,289
22
99,597
10,568
4,018
73
5,288,585
4,983,326
Queensland Insurance Co. Ltd.               -
22,139
596,540
8,155,809
49,980
1,862
-3,454
292,312
41,305
St. Paul Fire & Marine Insurance Co	
906
178
State Farm Fire & Casualty Co            	
71,814
60,960
6,987,715
7,251,763
81,997
3,541,052
3,414,769
26,203
42,668
122
1,617
1,175
2,762
365
96
2,182,158
—66,388
1,536,282
Totals for 1978...                    	
124,637,510
90,584,059
Totals for 1977                                  	
116,058,155
106,460,417
1
 74
BRITISH COLUMBIA
TABLE IX—OTHER INSURANCE (TABLE VIII) SUMMARY
(000's omitted)
Class of Insurance
1974
1975
1976
1977
1978
Property, P..
Property, L...
Fidelity, P	
Fidelity, L	
Surety, P	
Surety, L...
Boiler and machinery, P	
Boiler and machinery, L	
Liability, P._	
Liability, L  	
Personal accident and sickness, P.
Personal accident and sickness, L.
Aircraft, P.  	
Aircraft, L..  —	
Marine, P „.  	
Marine, L -	
Other forms, P..  	
Other forms, L	
Totals, P..
Totals, L-
114,511
96,506
1,055
393
3,425
1,470
4,211
6,252
15,225
8,403
65,447
48,739
8,899
7,769
13,680
6,673
3,691
56
230,144
176,261
137,819
97,114
1,233
712
4,846
—791
3,931
489
18,719
11,234
71,730
53,801
13,516
8,779
12,640
10,300
3,726
132
$
209,699
112,422
1,472
580
5,827
679
4,831
1,831
27,092
22,325
99,533
70,781
14,229
11,772
17,666
12,056
4,485
1,214
268,160
384,834
$
248,230
101,324
1,780
1,180
6,365
2,094
5,200
1,552
39,023
27,475
116,058
106,460
23,188
9,844
18,239
16,909
5,886
1,705
221,051
106,333
1,929
354
6,460
239
5,103
3,689
34,053
26,218
124,638
90,584
11,212
11,434
10,682
8,476
7,682
5,498
463,969      |    428,810
181,770
233,660      I    268,543
252,825
-Premiums.
L.—Losses.
Queen's Printer for British Columbia ©
Victoria, 1980
1030-580-3748

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