EIGHTH ANNUAL REPORT OP THE SUPERINTENDENT OF INSURANCE FOR THE PROVINCE OF BRITISH COLUMBIA 1919 (BUSINESS TRANSACTED IN 1918) PRINTED BY AUTHORITY OF THE LEGISLATIVE ASSEMBLY. VICTORIA, B.C.: Printed by William H. Ctjllin, Printer to the King's Most Excellent Majesty, 1919. To His Honour Sir Frank Stillman Barnard, K.C.M.G., Lieutenant-Governor of the Province of British Columbia. May it please Your Honour: The undersigned has the honour to present the Eighth Annual Report of the Superintendent of Insurance for the year ended December 31st, 1918. J. W. de B. FARRIS, Attorney-General. Victoria, B.C., July 10th, 1919. REPORT OF THE SUPERINTENDENT OF INSURANCE. Department or Insurance, Victoria, B.C., July 10th, 1919. The Honourable J. W. de li. Farris, Attorney-General, Victoria, B.C. Sir,—Pursuant to the " British Columbia Fire Insurance Act" and the " Insurance Act," 1 have the honour to submit herewith a report for the year ended December 31st, 1918, being the Eighth Annual Report of the Department, but the first to the Attorney-General as Minister under the Act. I. " BRITISH COLUMBIA FIRE INSURANCE ACT." (1.) FIRE INSURANCE COMPANIES. At the close of 1918, 109 companies were licensed to carry on the business of fire insurance, the number being the same as in the previous year. Four are limited to insurance of automobiles against fire, as appears by the full list on pages 2o, 26. The origin of the different companies is shown in the following table:— Where incorporated. Dominion Licensees. Provincial Licensees. Total. 21 5 32 1 2 43 4 1 21 3 32 1 2 44 4 108 1 109 Seven companies obtained licences during 1918, namely:— American Alliance Insurance Company. British Traders' Insurance Company. Car & General Insurance Corporation, Limited. The Fire Insurance Company of Canada. New Hampshire Fire Insurance Company. The North American Accident Insurance Company. Queensland Insurance Company, Limited. The American Alliance Insurance Company, formerly known as " German Alliance Insurance Company," has held a licence for some years, but had withdrawn from the Province. The North American Accident Insurance Company is limited to insurance of automobiles against fire. The companies holding a Provincial licence which in 1918 obtained Dominion licences were as follows:— Boston Insurance Company. Fire Association of Philadelphia. Mechanics & Traders Insurance Company. National Benefit Assurance Company, Limited. Newark Fire Insurance Company. New Jersey Fire Insurance Company. Northwestern Mutual Fire Association. Union Marine Insurance Company. Limited. Vulcan Fire Insurance Company of Oakland, Cal. . , Y 6 Report of the Superintendent of Insurance, 1919 Six companies withdrew, all except the last named hailing from the United States. In every case the step was taken because their arrangements and circumstances did not warrant their complying with the requirements of the Federal " Insurance Act, 1917." It will be remembered that eight companies retired from the Province in the previous year for the same reason. Injury to the interests of the Province must have occurred through the removal of the competition of these fourteen companies. The companies ceasing business in 1918 were:— Detroit Fire and Marine Insurance Company. Industrial Fire Insurance Company. Michigan Fire and Marine Insurance Company. Minneapolis Fire and Marine Insurance Company. Reliance Insurance Company of Philadelphia. Svea Fire & Life Insurance Company. As compared with 1917, the premiums showed an increase of more than $400,000, but, on the other hand, the losses paid were larger. It may be surmised that the changes in the figures were alike due to war hazards and the rise in values. The statistics will be found in Table I., pages 29, 30. A statement has been added to the table to indicate in some measure what other sums are disbursed out of the premiums collected, over and above the amounts paid for losses. The bald figures of premiums and losses are apt to convey the misleading impression that the balance is mainly profit. On the other hand, Table IV. demonstrates that the underwriting profit in this Province must be considerable, and in some measure justifies the claim for a reduction of the rates in force. It will be observed that, if we omit Prince Edward Island and the Yukon, British Columbia has the best record in Canada for the last three years. (2.) FIRES. The subject of fire-waste and fire-prevention has received a great deal of publicity, and it is quite clear that there exists considerable apprehension and alarm over the situation. The huge losses sustained by the country year after year are, it is recognized, a peril and contribute to the upward tendency of prices. In Ontario a league was formed, and is in active operation, for the purpose of fighting the negligence and carelessness, which lies at the root of the whole problem. While the organization is affiliated with the Fire Marshal's Department, it is founded on voluntary effort in the public interest. In this Province a similar league was established independently and simultaneously (indicating the degree to which public opinion is awakened) under the title of the " British Columbia Fire-prevention League." At the close of 1918 the league had not actually commenced work, because the appointment of its first executive was not complete, and it was felt to be of paramount importance that the officers should be men to whom the public would listen and who would devote real energy to the cause. At Ottawa the Dominion's Superintendent of Insurance called together a very similar body, and has established in his Department a special branch for fire-prevention work. There is no doubt in my mind that, even though these efforts do not bear fruit in the manner visualized by their promoters, results .will come, and we can confidently anticipate that the community will before long be stirred to realize the vital necessity of diminishing the fire loss. The work of the Department in the field of fire inquiry and inspection lias been vigorously carried on by Mr. J. A. Thomas, who was appointed under the amendments of 1918 to the " British Columbia Fire Insurance Act." I cannot speak too highly of his efforts and enthusiasm, and am convinced that his services have already proved of the greatest benefit. It is obvious, however, that one man cannot cope with the work, and I submit for serious consideration the enlargement of the staff for this purpose. Ways and means are, of course, the serious factor in the present state of finances; but I may point out that in several Provinces a special tax of % of 1 per cent, of the premium income is levied on the fire insurance companies. The fund so formed is ear-marked as if it were a trust fund, for the sole purpose of fire prevention and investigation. The officials then appointed constitute an expert corps which not only carries out the instructions of the Department, but acts as auxiliary and advisory to the municipal and other officials who already exist. The Are statistics (pages 31-39) are not so satisfactory as during the past few years. There is a considerable increase in the number of fires and the amount of loss. The latter figures for the first time exceed $2,000,000, making an average loss per diem of over $5,000 and a per capita loss of $5.25, with 400,000 as a round estimate of population for the Province. It 9 Geo. 5 British Columbia. Y 7 should be observed that the losses shown in Table I. comprise only losses covered by insurance. The difference between the two sets of figures, less the amount covered by unlicensed insurance, is absolute loss. The larger figures for 1918 I ascribe in part to a more complete series of reports and to the enhanced values of property destroyed. With regard to reports, I may remark that the persons and companies responsible are filing them more promptly and in better shape than in the past. It is hoped that the importance of keeping these comprehensive statistics will be fully realized in order that effective steps may be devised for a reduction of the fire waste. In particular I should like to see a still further reduction in the number of fires of " unknown" origin. Experience gained by investigation will no doubt tend to produce that result. It is hoped, moreover, that the campaign for thrift and conservation will bear fruit and the figures for 1919 show a distinct improvement. No one who examines the statistics can fail to be struck by the numerous instances where carelessness only was the reason for the fire. Many of these fires are no doubt insignificant in themselves, but reviewed in the aggregate and with a realization of the danger attaching to every fire they are extremely serious. Analysing the figures and comparing them with 1917, we find that the losses in the district municipalities are mainly responsible for the increased loss. Burnaby, Delta, Maple Ridge, Point Grey, and Richmond show considerably higher figures; the last named due to the conflagration at Steveston. Among the cities Vancouver's fires and losses alike record increases, accounting for 75 per cent, of the total losses in city municipalities. Its per capita loss is higher than the average for the Province. The showing of Victoria is highly creditable. In the table setting forth the causes of fires the increase in number of fires due to exposure is largely attributable to the Steveston fire. Sparks from different sources caused 25 per cent, of the total number of fires. There were four lives lost by fire during the year. Fires involving a loss of more than $30,000 numbered eleven, and their importance may be estimated by the fact that their total loss amounted to $1,296,000, or over 61 per cent, of the year's loss. The balance of 39 per cent, was caused by 933 fires. These figures are striking, but tell the same story as any similar statistics for Canada and the United States. The eleven fires occurred as follows: Six on lumber-mill premises, one each in a shipyard, a factory, a warehouse, and a store, and one at Steveston. The practical importance of proper inspection is well illustrated by the Steveston fire, which was due to a defective stove-pipe. But the moral of these figures as a whole is that primary and continuous attention should be directed by all parties to the necessity of keeping plants of all descriptions free from fire hazards. Five formal fire investigations were held under the " British Columbia Fire Insurance Act" as amended in 1916, and although no case of arson came to light, there is no doubt that the inquiries were beneficial. Apart from these, Mr. Thomas has conducted numerous investigations with the aim of preventing fires, and in that field has achieved fine results. II. " INSURANCE ACT." At the end of last year 107 companies held licences under this Act for the various forms of insurance other than fire. The list is printed on page 27 and followed by some statistics of their business. I append a summary of these companies:— Where incorporated. Dominion Licensees. Provincial Licensees. Total. 34 3 20 1 2 29 2 2 10 1 2 1 1 2 34 5 30 1 4 1 30 Totals 88 19 107 Y 8 Report of the Superintendent of Insurance, 1919 During 1918 sixteen new companies were granted licences here, namely :— British America Assurance Company. British Traders' Insurance Company, Limited. Car & General Insurance Company, Limited. Continental Casualty Company. Equitable Fire and Marine Insurance Company. Great American Insurance Company. Great North Insurance Company. Maryland Assurance Corporation. North American Accident Insurance Company. Northwestern National Insurance Company. Phoenix Insurance Company. Standard Marine Insurance Company. - Tokio Marine & Fire Insurance Company. _ - Western Empire Life Assurance Company. Western Life Assurance Company. The World Marine & General Insurance Company, Limited. All hold Dominion licences, except the Western Empire Life Assurance Company, which transacts life insurance, and the Standard Marine Insurance Company, Tokio Marine Insurance Company, and the World Marine Insurance Company, Limited, which transact only marine insurance, for which no licence is issued at Ottawa. Two companies withdrew, the North American Accident Insurance Company and the Western Life Assurance Company, both having been absorbed by the companies of similar named mentioned above; Federal Acts of incorporation replacing Provincial Acts. Five companies were issued supplementary licences, as follows:— Employers Liability Assurance Corporation, Limited (automobile, burglary, steam-boiler, and plate-glass insurance). General Accident Assurance Company of Canada (guarantee insurance). Great American Insurance Company (marine insurance). Guardian Insurance Company of Canada (automobile insurance). Home Insurance Company (explosion insurance). The business done in the field of life insurance again shows a large increase, and well over $100,000,000 of life insurance is now in force in the Province. Life insurance is one index to the conditions of trade, and high wages with continuous employment are generally reflected in more new policies, fewer lapsed policies, and a smaller number of loans secured by policies. The campaign for thrift, however, should help the agents not only to secure new business, but to persuade policyholders to keep up their insurance, even though work and money should be less plentiful than during the war period. No separate figures are available to show whether the companies were called on for h^avy payments owing to the epidemic of influenza, but it may be inferred from the amount of policies which became claims during 1918 and of the unsettled claims that the ravages of the disease here were responsible for a large proportion. The statistics are given on pages 41, 42, the summary on page 42 for a five-year period being a new table. The total premiums received in 1918 for the miscellaneous forms of insurance show an increase of more than $200,000 over the previous year. The figures for health and accident insurance, automobile insurance, and marine insurance indicate a larger volume of business, while employers' liability declined. The number of companies ready to write the various forms of automobile policies has grown from thirty-two to thirty-nine. As the use of the automobile spreads the owner realizes how essential it is for him to be protected against the risks incident. The expansion of the ship-building industry accounts for the larger amount of marine insurance. The development in health and accident insurance is a good sign and likely to continue. The epidemic of influenza has brought home to the public the value of insurance against sickness, while the number of motor accidents emphasizes the need of protection in the case of accident. The usual table for miscellaneous insurance appears on pages 42-44, and a new table covering a period of five years on page 42. 9 Geo. 5 British Columbia. Y 9 III. GENERAL. In October, 1918, a conference took place at Regina of the Superintendents of Insurance for Ontario, Manitoba, Saskatchewan, and.Alberta. I was invited to attend, but did not feel that the subjects for discussion justified the length of absence necessary. The principal matter was a model set of statutory conditions for health and accident policies, a draft of which had been in my hands for suggestion and criticism. The meeting was pleased to accept a number of suggestions made by me and practically settled a draft. It remains for the draft to be submitted to the various Provincial Governments. The conference was noteworthy for the fact that it was the first at which the representative for Ontario was present. The Legislature at its session this year carried into practice the. principle of uniform legislation by enacting a new "Fire-insurance Policy Act." The statutory conditions contained in the Act are practically identical with those in force in Alberta, Saskatchewan, Manitoba, and Ontario. The other amendments to the Statutes relating to insurance do not call for special mention. Allusion should be made to the resolution of the Legislature that " early consideration by the Government of legislation with respect to State Health Insurance ... is desirable." It is a matter fraught with great potentialities for both success and failure. State insurance of this kind has, of course, been in existence for many years in Germany and for some few years in England, but in America it is a novelty. There has been recently much debate and close investigation by our neighbours across the line, and in some States the question has been put to the vote of the people; for example, in California, where it was rejected. The arguments pro and con are naturally very numerous and the considerations involved of grave importance. It may be asserted that the experience of England and Germany is of little value in determining whether such proposals are practicable in this Province. The conditions of the population and the area affected, both leading factors, are so different. There is a large body of opinion in the United States adverse to such State insurance, and the most notable element of the opposition is the American Federation of Labour, which is absolutely hostile. The public here seems to be little acquainted with the subject and its ramifications, and the hope may be expressed that the press will thoroughly investigate it before urging either its adoption or rejection. The losses by fire having during recent years grown to such perilous dimensions, legislation respecting prevention of fire was enacted in April last by Parliament. Provisions have been embodied in the Criminal Code, making negligence under certain circumstances a crime. The amendments are so important that I feel they should receive as much publicity as possible, and have therefore set them out at length on page 46 of this report. Last year I ventured to suggest in my report that the Insurance Acts referred to in the foregoing pages should be consolidated, and the experience of another year has confirmed the view I then entertained. There is, too, an increasing number of insurance agents in favour of legislation which would make a licence a necessary qualification before any one could act as such agent. Other Provinces and many States have a law of this.kind, and I believe I am correct in saying that everywhere it has proved of high value, not only to the public, but also to the insurance fraternity. The subject deserves early consideration. I have the honour to be, Sir, Your obedient servant, H. G. GARRETT, Superintendent, of Insurance. Y 10 Report of the Superintendent of Insurance, 1919 APPENDIX. INSURANCE OTHER THAN FIRE INSURANCE. Annual Statement of Provincial Licensees for the Year ended December, 31st, 1918. BRITISH COLUMBIA PLATE GLASS INSURANCE COMPANY. Head Office—Vancouver, B.C. Directors. Walter E. Graveley, President. A. G. Thynne. A. F. Beasley. H. W. Cbamberlin. F. M. Chaldecott. Alfred Farmer, Secretary-Treasurer. Amount deposited with the Government of British Columbia : British Columbia Inscribed Stock, £200; Township of Richmond bonds, $5,000; Dominion of Canada War Loan bonds, $1,000; total (par), $6,972.66. Authorized capital $25,000 00 Amount subscribed 9,600 00 Amount paid up 3,840 00 Statement for the Year ended December 31st, 1918. Assets. Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc. $14,130 68 Cash on deposit to the Company's credit and not drawn against on December 31st, 1918 1,174 84 Premiums uncollected (net commissions deducted) 2,474 48 Solicitors' balances not included above 35 00 Total assets $17,S15 00 Liabilities. Total reserve of unearned premiums, $15,956.64; carried out at SO per cent, thereof.. $12,765 30 Total amount of liabilities $12,765 30 Capital stock paid up 3,840 00 Total of liabilities and paid-up capital $16,605 30 Excess of assets over such total $ 1,209 70 Receipts. Net cash received for premiums $12,306 44 Cash received for interest 776 27 Cash from all other sources 38S 47 Total receipts $13,471 18 9 Geo. 5 British Columbia. Y 11 Expenditure. Cash paid to agents for commission, salaries, and bonus $ 4,328 83 „ for statutory assessment and licence fees '. 292 38 „ salaries, directors' and auditors' fees 349 50 „ „ postage 10 00 „ „ other expenses 24 50 Total expenses of management $ 5,005 21 Amount paid for losses occurring during the year 7,382 81 Cash paid for debentures, mortgages, etc. (not extended), $3,642.50. Total expenditure $12,388 02 List of Shareholders. H. Bell-Irving W. G. Graveley A. McCreery A. F. Beasley T. O. Richards H. W. Chamberlin H. C. Aokroyd D. B. Charleson W. J. Albutt R. Martin J. Rogers *A. G. Thynne F. M. Chaldeoott C. E. Hope T. A. Blvthe (Estate of) P. W. Charleson Vancouver. Victoria . . Vancouver. No. of Shares. 5 5 1 7 1 5 1 1 17 1 2 35 5 2 3 96 Amount subscribed. $ 500 500 100 700 100 500 100 100 1,700 100 200 3,500 500 200 300 500 $9,600 Amount paid. $ 200 200 40 280 40 200 40 40 680 40 80 1,400 200 80 120 200 $3,840 Y 12 Report of the Superintendent of Insurance, ; . 1919 CANTON INSURANCE OFFICE, LIMITED. Head Office—Victoria, Hong Kong. Consulting Committee. The Hon. Dr. David Landale, Chairman. Sir Robert Ho Tung. The Hon. Sir Paul Chater, C.M.G. F. Maitland. C. S. Gubbay. T. E. Pearce. A. H. Compton. H. P. White. General Agents. Messrs. Jardine, Matheson & Co., Limited, Hong Kong. Capital authorized and subscribed $2,500,000 00 Amount paid up 500,000 00 Statement for the Year ended December 31st, 1918. Assets. ' Cash in hand, in transit, and on current account and fixed deposits with banks... $1,173,310 84 Gold investments— British, Indian, and Colonial Government bonds and stocks 3,617,097 35 Foreign Government loans .' 416,645 96 British, Colonial, and Foreign railway and port trust bonds and stocks 252,087 21 Silver investments—■ Hong Kong Government 6% War Loan of 1916 100,000 00 Mortgages, loans, and debentures 1,491,879 75 Other investments '. 444,099 49 Agency balances 518,965 42 Accounts receivable 143,280 74 Total assets $8,157,366 76 Liabilities. Capital, 10,000 shares of $250 each = $2,500,000, of which $50 per share has been paid up $' 500,000 00 Reserve Fund 1,192,546 58 Reinsurance Fund 1,179,804 SI Investment and Exchange Fluctuation Account 377,619 41 Underwriting Suspense Account , ' 304.531 25 Uncollected dividends 30.457 00 Accounts payable .' 122,071 65 Working Account, 1917 $1,479,155 28 Less interim dividend at $18 per share paid on May 17th, 1918.. 1SO,000 00 1.299,155 28 Working Account, 1918 3,151,180 78 Total liabilities $8,157,366 76 Note.—Dollars in Hong Kong currency, with sterling exchange standing at Ss. iYxA. 9 Geo. 5 ■■■-... - British Columbia. > : Y 13 THE GREAT NORTH INSURANCE COMPANY. • '■,-- Head Office—Calgary, Alberta. ' - Directors. . W. J. Walker, President. Edward J. Fream. Hon. A. C. Rutherford. Geo. H. Ross. . '['., Hon. P. E. Lessard. , .. J. K. Mclnnis. Lieut. F. A. Walker. .." i .'.-., J. T. North, Secretary. Amount deposited with the Government of British Columbia: $5,000 in cash;- Authorized capital XX. •■•,••• $500,000 00 Amount subscribed .* 1\......... 221,700 00 Amount paid up in cash 46,731 24 Statement for the Year ended December 31st, 1918. - Assets. Cash value of mortgages, exclusive of interest ,, ..,,$ 7,300 .00 Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc., 40,672 37 Cash on hand at Head Office 2,985 78 Cash on deposit to the Company's credit and not drawn against on December .31st,, ,, . 1918 55,774 35 Agents' balances and premiums uncollected . , .... . 15,467 33 Bills receivable one year or more overdue (not extended), $17,071.76. Premium notes in course of collection 6,056 62 Amount of all other assets' 7;479 65' Office furniture, etc. (not extended), $5,000. Total assets XX.. $136,336 10 Liabilities. Claims.or losses adjusted • • • • .r. $ 883 85 Claims or losses resisted .. A......... A .......'. '-. 1,000 00 Claims or losses in suspense, or supposed, or reported ... .....'. 5,950 00 Total amount of losses or,claims unpaid .,.,.,,... •... ..-,. ■ •. $ 7,833 85 Live-stock reserve, 50 per cent, .of .premiums in force ....,..,,,........ 33,378 48 Total reserve of unearned premiums for all outstanding risks .. 28,767 0o Dividends declared and remaining unpaid 4,638 58 Amount of all other liabilities . . . ... -.:•....;..'.-...', ■:. ■-. .....:::'. 11,031 11 Total amount of liabilities .. $ 63,647 06 Capital stock paid up in cash 46,731 24 Total of liabilities and paid-up capital, $110,378 30 Excess of assets,over such total, .., ....,..,.,.,.... ,.....,..,. $ 25,957 80. Receipts. Net cash'received for-premiums ■ • ■ ■ $231,280 91 Cash received for interest .' ■ •. 3,830 51 Cash received for calls on capital stock 7,931 78 Total receipts $243,043 20 Y 14 Report of the Superintendent of Insurance, 1919 Expenditure. Cash paid to agents for commission, salaries, and bonus $ 58,252 98 for law costs 1,609 11 „ fuel and light 27 22 „ investigation and adjustment of claims 2,370 14 „ interest, discount, and exchange 335 73 ,, statutory assessment and licence fees 9,054 88 ,, travelling expenses 7,123 21 „ rent and taxes 971 48 „ salaries, directors' and auditors' fees 28.340 47 „ printing, stationery, and advertising 4,707 11 „ postage, telegrams, and express 1,032 59 „ other expenses 14,542 €9 Total expenses of management $128,367 59 Net amount paid for losses occurring prior to 1918 1,222 88 Net amount paid for losses occurring during 1918 82,885 92 Cash paid for dividends 5,643 75 Cash paid for other expenditure 1,131 22 Total expenditure $219,251 36 Returns for British Columbia. Deposit with Government, cash $5,000 00 Other assets 250 00 Liabilities 16 00 Premiums written, less return premiums 32 00 Losses incurred, net Losses paid, net Net amount at risk 4'W 00 LONDON & PROVINCIAL MARINE & GENERAL INSURANCE COMPANY, LIMITED Head Office—London, England. Directors. Edwin Gray, Chairman. Richard de Neufville. James W. Arbuthnot. Herbert E. Secretan. James Hamilton. William M. Strachan. Irving G. Cortazzi, Secretary. Capital authorized and subscribed £1,000,000 Amount paid up 100,000 Statement for the Year ended December 31st, 1918. Assets'. £ s. d. By Investments (valued as at December 31st, 1913; Investments made since that date are valued at cost) 1,295,442 4 7 Interest accrued 16,518 18 1 Cash on deposit and at bankers 62,407 8 11 Outstanding accounts due at home and abroad 84,497 5 8 Policy stamps 187 7 5 Total assets £1,453,053 4 8 9 Geo. 5 British Columbia. Y Ie Liabilities. £ s. d. To Authorized capital, 100.000 shares of £10 each = £1,000,000. Paid-up capital, 100,000 shares of £10, £1 paid 100,000 0 0 Reserve Fund 200,000 '0 0 Sundry creditors 68,560 10 3 Investment reserve 100,000 0 0 Underwriting Suspense Account to meet all claims and other liabilities on 1917 and previous years 279,500 6 3 Balance of Underwriting Account, 1918 519,727 5 3 Balance of Profit and Loss Account 185,265 2 11 Total liabilities £1,453,053 4 8 MARITIME INSURANCE COMPANY, LIMITED. Head Office—Liverpool, England. Directors. E. H. Cookson, Chairman. J. A. Cook. J. F. Caroe. J. M. Wood. Wm. C. Aikman. John Crosby Nicholson, Secretary. Authorized capital £1,000,000 Amount subscribed 500,000 Amount paid up 100,000 Statement for the Year ended December 31st, 1918. Assets. £ s. d. By Investments 1,375,356 18 9 Sundry debtors 148,867 11 7 Interest and dividends accrued, but not payable until after December 31st, 1918 5,794 3 11 Cash on deposit, in hand, and on current account 63,275 18 1 Total assets £1,593,294 12 4 Liabilities. £ s. d. To Shareholders' capital paid up 100.000 0 0 General Reserve Fund 200.000 0 0 Underwriting Fund 922,494 17 0 Profit and Loss Account 143,617 8 9 £1,366,112 5 9 Sundry creditors 227,182 6 7 Total liabilities £1,593.294 12 4 Y 16 Report of the Superintendent of Insurance, 1919 NATIONAL PLATE GLASS INSURANCE COMPANY. Head Office—Winnipeg, Man. Amount deposited with the Government of British Columbia : City of Salmon Arm bonds, $5,000; City of Nelson bonds, $300; City of Alberni bonds, $210;' total (par), $5,510. Authorized capital $30,000 00 Amount subscribed 15,000 00 Amount paid up . .. 5,430 00 No business transacted in British Columbia during 1918. THE OCEAN MARINE INSURANCE COMPANY, LIMITED. - ■ , . Head Office—London, England. Directors. Hon. Charles Napier Lawrence, Chairman. Phillipp Moritz Deneke. Sir Alex. Drake Kleinwort. Maurice Ruffer. Herbert Robinson Arbuthnot. - , • . . • • ■ Philip Secretan. Harry Cunningham Brodie. David Nairn Shaw. James Blyth Currie. H. T. Russell Ross, Secretary. Capital authorized and subscribed ''.". £3,0CXJ,000 Amount paid up :. 100,000 Statement for- the Year ended December 31st, 1918. .... - . Assets. , ,,.-.■• £ s. d. British Government securities ........... 393,1S5 15 0 Public boards, United Kingdom , 32,331 5 0 Municipal and county securities, United Kingdom 33,767 10 0 Indian and Colonial Government securities 69,795 12 6 Foreign Government securities 191,216 7 0 Colonial municipal securities 21,468 15 0 Foreign municipal securities 66,460 13 11 Guaranteed and other Indian railway stock 32,180 0 0 Indian Government railway annuities 9,975 0 0 Railway and other debentures and debenture stocks, home and foreign 141,835 6 5 Railway preference and guaranteed stocks 9.000 12 8 Railway ordinary stocks 21,S35 16 0 Loans on stocks and shares -. . 233,437 10 0 -, ■ ' £1,258.490 3 6 Freehold premises 126.000 0 0 £1,382,490 3 G £ s. d. Agents' balances 121,618 14 7 Outstanding premiums, etc '. 76,891 7 0 Bills receivable ,..,....,... .■- 99 0 0 Interest accrued but not yet payable 12,176 0 0 Policy stamps on hand 226 13 9 Cash— On deposit 92,146 10 7 In hand and on current account 14,543 6 6 Total assets £1,700,191 15 11 9 Geo. 5 British Columbia. Y 17 Liabilities. £ s. d. Capita], 40,000 shares of £25, paid up £2 10s. per share (now vested in the North British and Mercantile Insurance Company) 100,000 0 0 Marine Fund— Reserve £500,000 0 0 Profit and loss 237,551 7 9 737,551 7 9 Underwriting Reserve 102,685 1 1 Balance of Underwriting Account, 1918 413,526 9 6 Sundry creditors 346,428 17 7 Total liabilities £1,700,191 15 11 QUEENSLAND INSURANCE COMPANY, LIMITED. Head Office—Sydney, Australia. Directors. Col. the Hon. Sir James Burns, K.C.M.G., M.L.C., Chairman. P. G. Black. Hon. Thomas Waddell, M.L.C. A. R. Troup. W. T. MacPherson. H. W. Horn, Secretary. Authorized capital £500,000 Amount subscribed 350,000 • Amount paid up 350,000 Statement for the Year ended September 30th, 1918. Assets. By Government securities £312,01? 19 10 Fixed deposits with various banks 174,500 0 0 Municipal debentures 45,565 0 0 ; Freehold properties 110.918 2 3 Casli deposits at call 98,500. 0 0 Cash In hand and at bankers 22,224 15 £ s. 3. 763,721 3 6 Sundry debtors 9,025 12 2 Premiums outstanding 23,039 7 5 Reinsurance claims, return premiums, and refunds outstanding 7,370 2 0 £S03,162 5 1 Liabilities. d. To Authorized capital, 500,000 shares of £1 each = £500,000. Subscribed capital, 350,000 shares of £1 each 350,000 0 O Reserve Fund 75,000 0 0 Unearned premiums 117,5S5 17 1 Officers' Provident Fund 17,600 9 8 Sundry creditors, reinsurances, claims, and provision for taxation 152,04S 14 10 Branch and agency balances 44,064 17 9 Revenue Account 46,862 5 9 £803.162 Y 18 Report of the Superintendent of Insurance, 1919 THE RELIANCE MARINE INSURANCE COMPANY, LIMITED. Head Office—Liverpool, England. Directors. Gilbert W. Fox, Chairman. J. U. Hodgson. George Atherton. Oswald Dobell. Lieut.-Col. F. R. S. Balfour. The Hon. Evelyn Hubbard. R. A. Love . R. S. Sharpies. F. R. Edwards, Secretary. , Authorized capital , £500,000 Amount subscribed 500,000 Amount paid up 100,000 Statement for the Year ended December 31st, 1918. Assets. £ s. d.' By Investments at market value £503,590 5 8 Less loans on war stock 27,500 0 0 476,090 5 8 Policy stamps 212 14 1 Cash at bankers and in hand 24,194 8 11 Interest accrued but not received 3,758 12 1 Accounts due to the Company for premiums, salvages, etc 132,037 14 4 £636,293 15 1 Liabilities. £ s. d. To Capital, 50,000 shares at £10 per share, £500,000; paid up £2 per share 100,000 0 0 Reserve Fund 150,000 0 0 Balance of Profit and Loss Account £S2,896 18 0 Less interim dividend paid July 1st, 191S .- 7,500 0 0 75,396 IS 0 Balance of Marine Account, 191S 140.468 18 6 Fire Insurance Fund 48,919 13 0 Suspense and Special Reinsurance Accounts 54,316 19 10 Accounts due by the Company 67,168 14 0 Dividends unpaid 22 11 9 £636.293 15 1 9 Geo. 5 British Columbia. Y 19 ROYAL PLATE GLASS INSURANCE COMPANY OF CANADA. Head Office—Vancouver, B.C. Directors. Dr. D. H. Wilson, President. R. W. Harris. J. P. Nicolls. A. P. Bogardus. W. H. Malkin. C. A. Wickens, Secretary-Treasurer. Amount deposited with the Government of British Columbia: Deposit receipt of Canadian Bank of Commerce, $125; Dominion War Loan bonds (par), $5,000; total, $5,125. Authorized capital $25,000 Amount subscribed 10,000 Amount paid up 2,750 Statement for the Year ended December 31st, 1918. Assets. Cash value of real estate, less encumbrances $ 2,250 00 Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, ete. 7.000 00 Cash deposited with Government 125 00 Cash on deposit to the Company's credit and not drawn against on December 31st, 1918 198 76 Agents' balances and premiums uncollected 202 37 Interest due or accrued and unpaid 64 83 Commissions paid in advance 732 66 Total assets $10,573 62 Liabilities. Reserve of unearned premiums, $2,169.0S; carried out at 80 per cent, thereof $ 2,711 36 Amount of all other liabilities 673 18 Total amount of liabilities $ 3,384 54 Capital stock paid up 2,750 00 Total amount of liabilities and paid-up capital $ 6,134 54 Excess of assets over such total $ 4,439 08 Receipts. Net cash received for premiums $ 2,817 43 Cash received for interest 614 90 Total receipts $ 3,432 33 Expenditure. Cash paid to agents for commission, salaries, and bonus $ 817 S2 „ for interest, discount, and exchange 48 17 „ „ statutory assessment and licence fees 64 57 „ rent and taxes • 23 4S „ „ other expenses IS 10 Total expenses of management $ 972 14 Amount paid for losses occurring prior to 1918 313 36 Amount paid for losses occurring during 1918 1,136 90 Cash paid for debentures, mortgages, etc. (not extended), $1,460.73. Cash paid for other expenditure B2 40 Total expenditure $ 2,454 80 Y 20 Report of the Superintendent of Insurance, 1919 List of Shareholders. Name. Residence. No. of Shares. Amount Subscribed. Amount paid. 10 14 14 14 8 8 5 12 5 5 5 $1,000 1,400 1,400 1,400 800 800 500 1,200 500 500 500 $10,000 $ 275 CO 1). H. Wilson 385 00 R. W. Harris 385 00 W. H. Malkin C. A. Wickens 385 00 220 00 P. G. Mason 220 00 J. P. Nicolls 137 50 Boston, U.S.A Binghampton, U. S. A. 330 00 M. Douglas R. T). Douglas N. S. Douglas 137 50 137 50 137 50 ■ 100 $2,750 00 STANDARD MARINE INSURANCE COMPANY, LIMITED. Head Office—Liverpool, England. Directors. F. W. Pascoe Rutter, Chairman. Walter B. Duckworth. Jas. W. Alsop. . James G. Nicholson. John H. Clayton. N. B. Barnes, Secretary. Capital authorized and subscribed £500,000 Amount paid up 100,000 Statement for the Year ended December 31st, 1918. Assets. £ s. a. Investments and loans 870,795 5 3 Cash at bankers and in hand 113.029 10 10 Bills receivable 2,067 17 8 Sundry debtors 248,054.18 3 Accrued interest ....'. 10,250 0 4 Stamps in hand 366 17 4 Total assets £1,244,564 9 S Liabilities. £ s. cl. Capital, 25,000 shares of £20 each, £4 per share paid 100,000 0 0 Reserve Fund 500,000 O 0 Reserve for unexpired risks : 126,578 0 0 Provision for income-tax, 1918, and excess-profits duty, 1917 and 191S 127,560 15 0 Balance, Profit and Loss Account 58,734 11 3 Dividend for the year 1918 35,000 0 0 Bills payable 3,350 4 4 Claims outstanding 153,389 0 0 Sundry creditors 139,945 19 1 Total liabilities £1,244,564 9 S 9 Geo. 5 British Columbia. Y 21 THE TOKIO MARINE & FIRE INSURANCE COMPANY, LIMITED. Head Office—Tokio, Japan. Directors. M. Suyenobu, Chairman. K. Mimura. T. Abe. S. Sasaki. S. Komuro. H. Shoda. Baron R. Kondo. Baron K. Sonoda. Capital authorized and subscribed Y. 15,000,000 Amount paid up 7,500,000 Statement for the Year ended December 31st, 1918. Assets. Yen sen. Capital unpaid 7,500,000 00 Office premises, etc 1,660,000 00 Japanese Government securities 3,537,616 28 British Government securities 4,376,076 92 United States Government securities . 1,245,588 23 Anglo-French 5% External Loan Bonds 88,235 29 Japanese and foreign municipal bonds 1,134,445 02 United States railroad and other bonds and shares 1,531,960 82 Bonds and debentures of various companies • 3,243,123 OS Shares in various companies 8,317,075 00 Loans on mortgage, etc 11,341,223 13 Accounts due to the Company 11,113,225 98 Amount due by Government under " War Risk Indemnity Act" 5,284 72 Amount due by Government under " War Risk Reinsurance Act " 733.813 £5 Cash at bankers, on deposit and current accounts, and in hand 25,526,977 91 Sl,354,646 23 Liabilities. Yen sen. Share capital 15,000,000 00 Legal Reserve Fund , 2,500,000 00 Underwriting Fund— Underwriting Reserve Y. 35,250,000.00 „ Suspense 9,510,303.51 44,760,363 51 Staff Pension Fund 3S1,446 15 Accounts due by the Company 13,273,176 24 Premium due Government under " War Risk Reinsurance Act " 410,179 97 Profit and Loss Account 5,029,480 33 81,354,646 23 Y 22 Report of the Superintendent of Insurance, 1919 THE WESTERN EMPIRE LIFE ASSURANCE COMPANY. Head Office—Winnipeg, Man. Directors., Wm. Smith, President. S. D. Hannah. R. W. Craig, K.C. G. N. Broatch. A. J. Fraser, M.D. G. E. Graham. W. P. Rundle. P. D. Byers. F. C. O'Brien, Secretary. Amount deposited with the Government of British Columbia: 27 Dominion Victory Loan bonds (par), $27,000. Authorized capital .' $1,000,000 00 Amount subscribed 645,100 00 Called capital 161,275 00 Amount paid up in cash 134,448 85 Statement for the Year ended December 31st, 1918. Assets. Cash value of real estate, less encumbrances $ 15,125 35 Cash value of mortgages, exclusive of interest 93,356 84 Policy loans 20,447 66 Cash value (excluding interest and dividends) of stock, shares, bonds, debentures, etc. 103,985 00 Cash on hand at Head Office 3,223 77 Cash on deposit to the Company's credit and not drawn against on December 31st, 1918 11,828 92 Agents' balances 9,527 56 Premiums uncollected (net commissions deducted) 47,818 50 Bills receivable on premiums on capital stock 63,990 45 Interest due or accrued and unpaid 9,948 26 Office furniture (not extended), $4,337. Total assets ' $379,252 31 Liabilities. Claims or losses in suspense or reported $ 28,467 53 Reinsurance reserve for life-insurance contracts in force 190,651 00 Amount of unpaid loans 37,000 00 Amount of all other liabilities : 7,279 40 Total amount of liabilities $203,397 93 Capital stock paid up in cash 134.448 85 Total of liabilities and paid-up capital $397,846 78 Excess of liabilities $ 1S.594 47 Receipts. Net premiums received in cash $ 82,274 67 Cash received for interest 17,765 29 Cash received for calls on capital stock 2,782 30 Cash from ail other sources 2,503 85 Cash received for debentures, mortgages, etc. (not extended), $11,610.14. Total receipts $105,326 11 9 Geo. 5 British Columbia. Y 23 Expenditure. Cash paid to agents for commission, salaries, and bonus $ 28,153 70 for law costs 1,690 4~8 „ medical examiners' fees 3,298 50 ,, Interest, discount, and exchange 3,289 96 ,, statutory assessment and licence fees 1,066 78 ,, travelling expenses 361 20 „ rent and taxes 1,269 00 ,. salaries, directors' and auditors' fees 14,004 00 ., printing, stationery, and advertising 3,521 32 „ postage, telegrams, and express 1,096 62 ,, other expenses 7,393 62 Total expenses of management $ 65,143 18 Net amount paid for losses 18,218 75 Cash paid for dividends to policyholders 775 93 Cash paid for other expenditure 1,448 00 Cash paid for debentures, mortgages, ete. (not extended), $52,256.69. Total expenditure $ 85,585 86 Returns for British Columbia. Deposit with Government, Victory Loan bonds (par) $ 27,000 00 Other assets (real estate, $15,125.35; mortgages, $13,000; loans, $1,021; cash, $460.33; agents' balances, $3,455.41) 33,062 09 Liabilities 7,883 00 Losses incurred, net Losses paid, net Net amount at risk 133,000 00 THE WORLD MARINE & GENERAL INSURANCE COMPANY, LIMITED. Head Office—London, England. Directors. Major-General Sir Ivor Philipps, K.C.B., D.S.O., M.P.. Chairman. Herbert Ballard. A. R. Marshall. Norman S. Douglass. Hon. J. C. Maxwell Scott. John Godwin. Sir John B. Wimble, K.B.E. Irving H. Cortazzi, Secretary. Capital authorized and subscribed £250,000 Amount paid up 100,000 Statement for the Year ended December 31st, 1918. Assets. £ s. d. By Investments at cost £860,925 1 7 Yorkshire Insurance Company, Limited, 17,409 shares of £5 each, 10s. paid, at cost (£5) S7,045 0 0 £947,970 1 7 Less special reserve against depreciation in value 43,000 0 0 = 904,970 1 7 Sundry debtors 142,063 18 7 Interest and dividends accrued 5,123 17 1 Cash at bankers, on deposit, and in hand 56,896 8 5 Policy stamps 245 6 5 Total assets £1,109,299 12 1 Y 24 Report of the Superintendent of Insurance, 1919 Liabilities. 'To capital authorized, 50,000 shares of £5 each = £250,000. £ s. d. Capital issued, 50,000 shares of £5 each, £2 paid 100,000 0 0 Sundry creditors 109,344 4 0 Reserve Fund— As at December 31st, 1917 £120,000 0 0 Amount added for the year ended December 31st, 1918 £0,000 0 0 200,000 0 0 Underwriting Account balance 462,036 5 9 Profit and Loss Account balance £322,319 1 10 Less transfer to Reserve Fund 80,000 0 0 £242,319 1 10 Less interim dividend paid, July 1st, 1918 5,000 0 0 237.319 1 10 Total liabilities £1.109.299 12 1. THE YANG-TSZE INSURANCE ASSOCIATION, LIMITED. Head Office—Shanghai, China Directors. John Prentice, Chairman. A. W. Burkill. C. W. Wrightson. H. E. Arnhold. B. A. Clarke. A. I. D. Stewart. T. A. Clark, Secretary. , Capital authorized and subscribed $1,200,000 00 Amount paid up 720,000 OO Statement for the Year ended December 31st, 1918. Assets. British, Indian, and Colonial Government bonds and stocks $ 810,389 SS Foreign Government bonds and stocks 2S9,530 17 British, Colonial, and Foreign railway and other stocks, bonds, and shares 1,259,600 15 Loans and mortgages 2.206,305 57 Cash at bankers on fixed deposit and current account 1,575,811 00 Property, land, Head Office, and other buildings 702,457 34 Policy stamps at agencies 1,241 15 Head Office and agencies, furniture 13,320 90 Due by agencies, premiums in course of collection, and sundry outstandings 574,302 42 Total assets $7,432,958 64 Liabilities. Capital, 12,000 shares of $100 each, upon which the sum of $60 per share has been called and fully paid up $ 720,000 00 Reserve Fund 1,000,000 00 Reinsurance Reserve Fund 1,000,000 00 Building Reserve Fund 116,279 20 Working Account, 1918 2,614,060 14 Working Account, 1917 and former years 1,979,484 92 Uncollected dividends 3.134 38 Total liabilities $7,432,958 64 Note.-—Dollars are in Hong Kong currency, with sterling exchange standing at os. 2d. 9 Geo. 5 British Columbia. Y 25 LIST OF COMPANIES LICENSED UNDER THE " BRITISH COLUMBIA FIRE INSURANCE ACT," DECEMBER 31st, 191,8. Name of the Company and Head Office. Attorney to receive Process in British Columbia. (Corrected to July 10th, 1919.) The Acadia Fire Insurance Company. Halifax, N.S Aetna Insurance Company, Hartford, Co'nn Agricultural Insurance Company, Watertown, N.Y Alliance Assurance Company, Limited, London, England Alliance Insurance Company of Philadelphia "■American Alliance Insurance Company, New York, N.Y American Central Insurance Company, St. Louis, Missouri Atlas Assurance Company, Limited. London, England Beaver Fire Insurance Company, Winnipeg, Man Boston Insurance Company, Boston, Mass British America Assurance Company, Toronto, Ontario British Colonial Fire Insurance Company, Montreal, Que British Crown Assurance Corporation, Ltd., Glasgow, Scotland.... British North Western Fire Insurance Company, Winnipeg, Man... British Traders' Insurance Company, Ltd.. Victoria, Hong Kong.. Caledonian Insurance Company, Edinburgh, Scotland California Insurance Company, San Francisco, Cal Canada Accident Assurance Co., Montreal, Que Canada National Fire Insurance Company, Winnipeg, Man Canadian Fire Insurance Company, Winnipeg, Man Car & General Insurance Corporation Limited, London, Eng The Century Insurance Company, Limited, Edinburgh, Scotland. . . Citizens Insurance Company of Missouri, St. Louis, Mo Commercial Union Assurance Company, Limited, London, England Commercial Union Fire Insurance Company of New York Connecticut Fire Insurance Company, Hartford, Conn Continental Insurance Company, New York, N.Y Dominion Fire Insurance Company, Toronto, Ontario The Dominion of Canada Guarantee & Accident Insurance Company, Toronto, Ont. The Eagle, Star & British Dominions Insurance Co., Ltd., London, England Employers Liability Assurance Corporation, Limited, London, Eng. Equitable Fire & Marine Insurance Company, Providence, R.I Fidelity Phenix Fire Insurance Company, New York, N.Y.. Fire Association of Philadelphia, Philadelphia, Pa The Fire Insurance Company of Canada, Montreal, Quebec Fireman's Fund Insurance Company, iSan Francisco, .Cal.. Firemen's Insurance Company of Newark, New Jersey. . . . General Accident Fire & Life Assurance Corporation, Limited, Perth, Scotland General Fire Assurance Company, Paris, France Glens Falls Insurance Company, Glens Falls, N.Y Globe & Rutgers Fire Insurance Company, 'New York, N.Y Globe Indemnity Co. of Canada, Montreal, Que Great American Insurance Company, New York, N.Y Guardian Assurance Company, Limited, London, England. Hartford Fire Insurance Company, Hartford, Conn Home Insurance Company, New York, N.Y Hudson Bay Insurance Company, Montreal, Que flmperial Guarantee & Accident Insurance Company of Canada, Toronto, Ont. Imperial Underwriters Corporation of Canada, Toronto Insurance Company of North America, Philadelphia, Pa The Insurance Company of the State of Pennsylvania, Philadelphia, Pa. Law, Union & Rock Insurance Company, Limited, London, England Liverpool & London & Globe Insurance Company, Limited, Liverpool, England Liverpool-Manitoba Assurance Company, Montreal, Quebec London Assurance Corporation, London, England London & Lancashire Fire Insurance Company, Ltd., Liverpool, England London Guarantee & Accident Co., Ltd., London, England London Mutual Fire Insurance Company of Canada, Toronto, Ont.. ^Marine Insurance Company, Limited, London, England! Mechanics & Traders Insurance Company, New Orleans, La Mercantile Fire Insurance Company, Waterloo, Ontario Merchants Fire Assurance Corporation of New York, N.Y Millers National Insurance Company, Chicago, 111 Mount Royal Assurance Company, Montreal, Quebec National Ben Franklin Fire Insurance Company, Pittsburgh, Pa.. National Benefit Assurance Co., Ltd., London, Eng National Fire Insurance Company of Hartford, Hartford, Conn.. . The Nationale Fire Insurance Company, Paris, France National Union Fire Insurance Company, Pittsburgh, Pa Newark Fire Insurance Company, Newark, N.J New Hampshire Fire Insurance Co., Manchester, N.H. New Jersey Fire Insurance Company, Newark, N.J Niagara Fire Insurance Company, New York, N.Y Northern Assurance Company, Limited, London, England §The North American Accident Insurance Co., Montreal, Quebec... North British & Mercantile Insurance Company, London, Eng North Empire Fire Insurance Company, Winnipeg, Manitoba F. W. Rounsefell. Vancouver. « J. E. Kinsman, Victoria. R. G. Heddle, Vancouver. W. A. Anderson and H. Miskin, Vancou- G. F. Rennie, Vancouver. [ver. O. D. Lampman, Vancouver. D. W. Campbell, Victoria. John S. Gall, Vancouver. Waghorn, Gwynn & Co., Ltd., Vancouver. A. Z. DeLong, Vancouver. P. R. Brown, Victoria. E. B. McDermid. Vancouver. A. S. Matthew, Vancouver. F. Carter-Cotton, Vancouver. C. R. Elderton. Vancouver. A. AV. Jones, Victoria. A. W. Ross, Vancouver. A. W. Ross, Vancouver. R. W. Perry, Victoria. F. C. Paterson, Victoria. J. H. Lawson, Vancouver. Thos. W. Greer, Vancouver. D. E. Brown, Vancouver. A. W. Ross, Vancouver. A. W. Ross, Vancouver. Robt. II. Swinerton, Victoria. W. A. Lawson, Vancouver. G. II. L. Hobson, Vancouver. E. P. Withrow, Vancouver. R. J. Loewen and R. G. Harvey, Vancouver. Jas. A. Young. A. M. Pound, Vancouver. Arthur Coles, Victoria. Leeming Bros., Ltd., Victoria. C. G. Hobson, Vancouver. E. D. Todd, Victoria. Alexander Dow, Vancouver. E. J. Enthoven, Vancouver. W. S. Holland, Vancouver. G. L. Hobson, Vancouver. H. Bell-Irving & Co., Ltd., Vancouver. F. W. Rounsefell, Vancouver. W. A. Wand, Vancouver. R. S. Day, Victoria. George Allan Kirk, Victoria. H. W. Dyson, Vancouver. F. W. Walker, Vancouver. Donald Cramer, Vancouver. A. Wearing Giles, Vernon. G. F. Rennie, Vancouver. H. A. Robertson, Vancouver. R. S. Day, Victoria. R. C. Hall, Victoria. L. U. Conyers, Victoria. Harold B. Girdwood, Victoria. Wm. Thompson, Vancouver. J. H. Watson, Vancouver. Christopher G. Hobson, Vancouver. W. W. Johnston, Vancouver. W. S. Holland, Vancouver. Wm. Thompson, Vancouver. C. G. Hobson, Vancouver. C. G. Hobson, Vancouver. C. G. Hobson, Vancouver. J. H. Johnston, Victoria. Jayne, Vancouver. Barnes, Victoria? C. G. Hobson, Vancouver. E. E. Rand, Vancouver. F. W. Walker, Vancouver. A. Z. DeLong, Vancouver. H. A. Robertson, Vancouver. D. Leeming, Victoria. Bernard C. Mess, Victoria. J. Edward Sears, Vancouver. E. E. Hill, Vancouver. John W. Wilson, Vancouver. B. J. II. T. Y 26 Report of the Superintendent of Insurance, 1919 List of Companies licensed under the " British Columbia Fire Insurance Act -Concluded. Name of the Company and Head Office. North West Fire Insurance Company, Winnipeg, Manitoba Northwestern Mutual Fire Association, Seattle, Washington Northwestern National Insurance Company, Milwaukee, Wis Norwich Union B'ire Insurance Society, Limited, Norwich, England Ocean Accident & Guarantee Corporation, Limited, London, England Occidental Fire Insurance Company, Winnipeg, Manitoba Pacific Coast Fire Insurance Company, Vancouver, B.C Palatine Insurance Company, Limited, London, England The Phenix Fire Insurance Company of Paris, France Phoenix Assurance Company, Limited, London, England The Phoenix Insurance Company, Hartford, Conn Providence Washington Insurance Company, Providence, R.I Provincial Insurance Co., Ltd., Bolton, England Quebec Fire Assurance Company, Quebec, Que Queen Insurance Company of America, New York Queensland Insurance Company, Limited, Sydney, Australia "■'Rhode Island Insurance Company, Providence, R.I Royal Exchange Assurance, London, England Royal Insurance Company, Limited. Liverpool, England St. Paul Fire & Marine Insurance Company, St. Paul, Minn Scottish Union & (National Insurance Company, Edinburgh, Scotland Springfield Fire & Marine Insurance Company, Springfield, Mass.. . Stuyvesant Insurance Company, New York, N.Y Sun Insurance Office, London, England Union Assurance Society, Limited, London, England The Union Fire Insurance Company, Paris, France Union Insurance Society of Canton, Ltd., Victoria, Hong Kong. .. . ||Union Marine Insurance Company, Limited, Liverpool, England... Vulcan Fire Insurance Company of Oakland, Cal Western Assurance Company, Toronto, Ontario Westchester Fire Insurance Company, New York, N.Y Yorkshire Insurance Company, Limited. York. England Attorne}- to receive Process in British Columbia. " (Corrected to July 10th, 1919.) Chas. II. C. Payne, Victoria. N. B. Whitley, Vancouver. W. B. Plane, Vancouver. B. S. Heisterman, Victoria. John R. Hannah, Vancouver. A. E. Short, Vancouver. Thos. W. Greer, Vancouver. A. W. Ross, Vancouver. J. A. Griffith, Victoria. F. W. Rounsefell, Vancouver. Arthur E. Haynes, Victoria. Richard W. Douglas, Vancouver. A. Z. DeLong, Vancouver. Wm. Thompson, Vancouver. R. P. Rithet & Co., Ltd., Victoria. C. Gardner-Johnson, Vancouver. H. T. Devine & Co., Ltd., Vancouver. H. G. Lawson, Jr., Victoria. F. W. Walker, Vancouver. B. S. Heisterman, Victoria. Pemberton & Son, Victoria. Chas. H. Macaulay, Vancouver. H. A. Robertson, Vancouver. F. B. Pemberton, Victoria. D. C. McGregor, Vancouver. Franco-Canadian Trust & Mortgage Co., Vancouver. C. R. Elderton, Vancouver. C. H. Macaulay, Vancouver. T, W. Greer. Vancouver. R. W. Douglas, Vancouver. H. N. Ferguson, Victoria. H. W. Dyson, Vancouver. * Approved bond for $2-5.000 deposited as security under the Act. t Licence under " B.C. Fire Insurance Act," limited to insurance of automobiles against fire; also licensed under the " Insurance Act " to transact guarantee, accident, sickness, automobile, and plate-glass insurance. i Licence under " B.C. Fire Insurance Act," limited to insuring automobiles against loss or damage by fire ; also licensed under the "Insurance Act" to transact automobile and inland transportation insurance, § Licence under " B.C. Fire Insurance Act," limited to insuring automobiles against loss or damage by fire; also licensed under the " Insurance Act" to transact automobile, burglary, accident, sickness, and plate-glass insurance. || Licence under " B.C. Fire Insurance Act," limited to insuring automobiles against loss or damage by fire; also licensed under the "Insurance Act" to transact marine, inland marine, inland transportation, automobile, and accident insurance. Note.—Licensed since December 31st, 1918 :— Canadian Surety Company, Toronto, Ont. ; Wrm. Savage, Vancouver. General Accident Assurance Co. of Canada. Montreal, Quebec ; George Rorie, Vancouver. Guardian Insurance Company of Canada. Montreal. Quebec; R. G. Heddle, Vancouver. Scottish Metropolitan Assurance Co., Ltd.. Edinburgh. Scotland : Lawrence W. Peel, Vancouver. United States Fire Insurance Co., New York, N.Y. ; H. A. Robertson, Vancouver. "^?pii-W|i5r!rS-f|fli^^ 27 LIST OF COMPANIES LICENSED UNDER THE "INSURANCE ACT," DECEMBER 31st, 1918. Name of Company and Head Office. Mtna Insurance Co., Hartford, Conn Alliance Assurance Co., Ltd., London, Bing The Boiler Inspection & Insurance Co. of Canada, Toronto, Ont "Boston Insurance Co., Boston, Mass The British and Foreign Marine Insurance Co., Ltd., Liverpool, Eng. British America Assurance Co., Toronto, Ont (1.) The British Columbia Plate Glass Insurance Co., Vancouver, B.C. British Crown Assurance Corporation, Ltd., Glasgow, Scotland British Traders Insurance Co., Ltd., Victoria, Hong Kong The Canada Accident Assurance Co., Montreal, Que Canada Life Assurance Co., Toronto, Ont. The Canadian Surety Co., Toronto, Ont. The Canton Insurance Office, Limited, Victoria, Hong Kong The Capital Life Assurance Co. of Canada, Ottawa, Ont Car and General Insurance Corporation, Ltd., London, Eng Confederation Life Association, Toronto, Ont Continental Casualty Co., Hammond, Ind The Continental Life Insurance Co., Toronto, Ont The Crown Life Insurance Co., Toronto, Ont The Dominion ol Canada Guarantee & Accident Ins. Co., Toronto, Ont. Dominion Gresbam Guarantee & Casualty Co., Montreal, Que The Dominion Life Assurance Co., Waterloo, Ont The Eagle Star & British Dominions Insurance Co., Ltd., London, Eng. Employers Liability Assurance Corporation, Ltd., London, Eng Equitable Fire & Marine Insurance Co., Providence, R.I The Equitable life Assurance Society of U.S., New York, N.Y. The Excelsior Life Insurance Co., Toronto, Ont The Fidelity & Casualty Co., New York, N.Y Fireman's Fund Insurance Co., San Francisco, Cal General Accident Assurance Co. of Canada, Toronto, Ont. General Animals Insurance Co. of Canada,. Montreal, Que. Globe Indemnity Cc. of Canada, Montreal, Que Great American Insurance Co., New York, N.Y (2.) Great North Insurance Company, Calgary, Alta. .... The Great West Life Assurance Co., Winnipeg, Man Gresham Life Assurance Society, Ltd., London, Eng Tne Guarantee Company of North America, Montreal, Que. Guardian Insurance Co. of Canada, Montreal, Que Home Insurance Co.,-New York. N.Y - Imperial Guarantee & Accident Insurance Co. of Canada, Toronto, Ont. Imperial Life Assurance CO. of Canada, Toronto, Ont Insurance Company of North America, Philadelphia, Pa Law, Union & Rock Insurance Co., Ltd., London, Eng Lloyds Plate Glass Insurance Co., New York, N.Y London Assurance Corporation, London, Eng London Guarantee & Accident Co., Ltd., London, Eng ."..'. The London Life Insurance Co., London, Ont The London & Lancashire Guarantee & Accident Co. of Canada, Toronto, Ont. .. The London & Lancashire Life & General Assurance Association, Ltd., London, Eng. London & Provincial Marine & General Insurance Co., Ltd., London, Eng. Loyal Protective Insurance Co., Boston,' Mass The Manufacturers Life Insurance Co., Toronto, Ont The Marine Insurance Co., Ltd., London, Eng Maritime Insurance Co., Ltd., Liverpool, Eng.- Maryland Assurance Corporation, Baltimore, Md Maryland Casualty Co., Baltimore, Maryland Merchants Casualty Co., Winnipeg, Man :. Metropolitan Life Insurance Co., New York, N.Y The Monarch Life Assurance Co., Winnipeg, Man Mutual Life Assurance Co. of Canada, Waterloo, Ont. .. The Mutual Life Insurance Co. of New York, N.Y National Life Assurance Co. of Canada, Toronto, Ont. National Provincial Plate Glass & General Insurance Co., National Surety Co., New York, N.Y Niagara Fire Insurance Co., New York, N.Y Ltd., London, Eng. New York Life Insurance Co., New York, N.Y New York Plate Glass Insurance Co., New York, N.Y The North American Accident Insurance Co., Montreal North American Life Assurance Co., Toronto, Ont Northern Life Assurance Co. of Canada, London, Ont. Northwestern National Insurance Co., Milwaukee, Wis Norwich Union Fire Insurance Society, Ltd., Norwich, Eng Norwich Union Life Insurance Society, Norwich, Eng The Ocean Accident & Guarantee Corporation, Ltd., London, Eng. Ocean Marine Insurance Co., Ltd., London, Eng Phoenix Assurance Co., Ltd., London, Eng Phoenix Insurance Co., Hartford, Conn Protective Association of Canada. Granby, Que. The Prudential Insurance Co. of America, Newark, Queen Insurance Co. of America, New York, N.Y. . . Queensland insurance Co., Ltd., Sydney, Australia . Railway Passengers Assurance Co., London, Eng. ... The Ridgely Protective Association, Worcester, Mass. Reliance Marine Insurance Co., Liverpool, Eng Royal Exchange Assurance, London, Eng N.J. Royal Insurance Co., Ltd., Liverpool, Eng (3.) Royal Plate Glass Insurance Company of Canada, Vancouver, B.C. St. Paul Fire & Marine Insurance Co., St. Paul, Minn. Scottish Union & National Insurance Co., Edinburgh, Scotland The Sovereign Life Assurance Co., Winnipeg, Man The Standard Life Assurance Co., Edinburgh, Scotland Standard Marine Insurance Co., Ltd., Liverpool, Eng Sun Life Assurance Co. of Canada, Montreal, Que Tokio Marine & Fire Insurance Co., Tokio, Japan Travelers Indemnity Company, Hartford, Conn The Travelers Insurance Co., Hartford, Conn Travellers Life Assurance Co. of Canada, Montreal, Que X . Union Insurance Society of Canton, Ltd., Victoria, Hong Kong Union Marine Insurance Company, Ltd., Liverpool, Eng Union Mutual Life Insurance Co., Portland, Maine ... United States Fidelity & Guaranty Co., Baltimore, Md. Western Assurance Company, Toronto, Ont. (4.) Western Empire Life Assurance Co., Winnipeg, Man Western Life Assurance Co., Winnipeg, Man • The World Marine & General Insurance Co., Ltd., London, Eng. The Yang Tsze Insurance Association, Ltd., Shanghai, China .. Yorkshire Insurance Co., Ltd., York, Eng i n .1 'j ,! if i i ii Attorney to receive Process in British Columbia. (Corrected to July 10th, 1919.) J. E. Kinsman, Victoria , W. Anderson and fl. Miskin, Vancouver R. V. Wiilch & Co., Ltd., Vancouver : A. Z. DeLong, Vancouver B. C. Mess, Victoria : P. R. Brown, Victoria Head Office, Vancouver A. S. Matthew, Vancouver „C R. Elderton, Vancouver A. W. Ross, Vancouver F. ,W. Marsh, Vancouver, William Savage, Vancouver Wm. Monteith & Co., Ltd., Victoria . W. D. Kennedy, Vancouver J. H. Lawson, Vancouver J. Ie Kerr, Vancouver A. S. Matthew, Vancouver N. B. Bailey, Vancouver F. fi. McD. Russell, Vancouver ; E. P. Wlthrow, Vancouver H. T. Devine, Vancouver F. W. Parkin, Vancouver R. J. Loewen and R. G. Harvey, Vancouver. Jas. A. Young, Vancouver A. M. Pound, Vancouver U. H. Campbell, Vancouver F. J. Gillespie, Vancouver . Seeley & Co., Vancouver .. E. D. Todd, Victoria ..".,..' G. E. Rodwell, Vancouver . . . R. W. Douglas, Vancouver .-. F. W. Rounsefell, Vancouver W. A. Wand, Vancouver ..... J. Edward Bird, Vancouver J. A. Johnson, Vancouver ., Hi E. Boorman, Vancouver C. A. Holland, Victoria ... | W. E. Graveley,""Vancouver H-. W. Dyson, Vancouver .. D. Cramer, Vancouver Stanley Henderson, Vancouver G. F. Rennie, Vancouver ft. 8, Day, Victoria .-.,.' C. A. MacMorran, Vancouver .... R. V. Winch & Co., Ltd., Victoria, J.. H. Watson, Vancouver William B. Ryan, Victoria Wm. Thompson, Vancouver H. J. Woodley, Vancouver R. V. Winch & Co., Ltd., Victoria G. H. Grant, Vancouver W. B. Barwis, Vancouver W. W. Johnston, Vancouver R. P. Rithet & Co., Ltd., Victoria D. A. Genge, Victoria J. H. Lawson, Victoria A. J. B. Love, Vancouver Wm. Murphy, Victoria R. W. Harris, Vancouver W. J. Twiss, Vancouver ..-. A. Callander, Vancouver Lindley Crease, Victoria F. W. Rounsefell, Vancouver ... . R. V. Winch, Vancouver D. Leeming, Victoria Milo Phelps, Vancouver A. S. Matthew, Vancouver J. E. Sears, Vancouver Ellis W. Keenleyside, Vancouver . W. H. Clarke, Vancouver ,'. J. Edward Sears, Vancouver B. S. Heisterman, Victoria B. S. Heisterman, Victoria - J. R. Hannah, Vancouver ....... R. V. Winch & Co.,.Ltd., Victoria F. W. Rounsefell, Vancouver A. E. Haynes, Victoria F. G. Bell, Vancouver Chas. Preston, Vancouver R. P. Rithet & Co., Ltd., Victoria C. Gardiner Johnson, Vancouver British American Trust Co., Vancouver John Dunlop, Nelson R. P. Rithet & Co., Ltd., Victoria H.'G. Lawson, Jr., Victoria F. W. Walker, Vancouver Head Office, Vancouver B. S. Heisterman, Victoria F. B. Pemberton, Victoria A. C. Stewart, Vancouver J. W. Kerr, Vancouver . C. Gardner Johnson, Vancouver N. O. Leach, Vancouver ....... B. G. D. Phillips, Vancouver .. R. C. Hall, Victoria R. C. Hall, Victoria J. D. Mather, Vancouver C. R. Elderton, Vancouver C. H. Macaulay, Vancouver Viggo F. Laursen, Vancouver Leslie H. Wright, Vancouver R. W. Douglas, Vancouver . . C. Wilson, Vancouver H. R. King, Vancouver B. C. Mess, Victoria . B. G. D. Phillips, Vancouver H. W. Dyson, Vancouver Description of Insurance Business for which licensed. (Corrected to July 10th, 1919.) •Automobile and marine. * Marine, accident, sickness, guarantee, automobile, burglary, plate glass, and Steam-boiler. [hail. •Mai ine. ' Marine, inland- transportation, sprinkler leakage. ♦Hail, ocean, marine, inland marine, inland transportation, and automobile. Plate glass. Automobile (excluding insurance against loss by reason of bodily injury to the person). "Automobile and marine. *Aecldent, sickness, plate glass, and guarantee. Life. . Guarantee, burglary, plate glass, and automobile. Marine. Life. * Accident, hail, automobile, and sickness. life. Accident, sickness, and automobile. Life. Life. * Accident, guarantee, sickness, burglary, and plate glass. Accident, sickness, guarantee, burglary, and automobile. Life. 'Marine. * Accident, sickness, guarantee, automobile, burglary, steam-boiler, and plate glass. 'Automobile (excluding insurance against loss by reason of bodily injury to the person). Life. life. Accident, sickness, burglary, steam-boiler, and plate glass. 'Marine, inland transportation, and insurance against loss or damage to automobiles by accident, burglary, or theft.- , Accident, sickness, steam-boiler, and guarantee. Live stock, '^tfv 'Accident, sickness, burglary, automobile, and guarantee. 'Hail, tornado, sprinkler leakage, marine and auto (excluding insurance against loss by reason of bodily Injury). Live stock. -lice. Life. Guarantee. Accident, sickness, guarantee, plate glass, burglary, and automobile. 'Automobile, sprinkler leakage, hail, tornado, and explosion (including riot and civil commotion). Guarantee, accident, sickness, automobile, and plate glass. (Also licensed under " B.C. Fire Insurance Act" to transact the business of insurance of automobiles against fire.) life. 'Inland transportation, automobile (excluding injury to the person), marine, and explosion (including riot and civil commotion). I*Accident and sickness. Plate glass. 'Marine. 'Accident, sickness, guarantee, and burglary. Life. Accident, sickness, guarantee, plate glass, and automobile. Life. Marine. Accident and sickness amongst members of I.O.O.F. , '-■ Life. Inland- transportation and automobile. (Also licensed under "• B.C. Fire Insurance Act" to insure automobiles against loss or damage by fire.) Marine. Accident and sickness. Accident, burglary, guarantee, plate glass, and steam-boiler. Accident (excluding employers' liability) and sickness. ,Iife. life. Life. life. Life. afe*} Plate glass. Guarantee. 'Tornado, automobile (including damage to automobiles in transit by rail), marine, and explosion (including riot and civil commotion). Life. I Plate glass. 'Accident, sickness, plate glass, automobile, and burglary. Life. Life. f Automobile. 'Accident, sickness, plate glass, automobile. Life. 'Accident, sickness, guarantee, plate glass, automobile, and burglary. Marine. 'Life. 5Marine and automobile (excluding insurance against loss by reason of injury to the person). Accident and sickness restricted to members of the Masonic Order. Life. 'Automobile and inland transportation. Marine. Accident, sickness, guarantee, plate glass, and automobile. Accident and' sickness amongst members of I.O.O.F. Marine. 'Accident, sickness, automobile (restricted to loss from the automobile by burglary or theft). 'Life and marine. Plate glass. 'Automobile, inland transportation, and marine. Tornado, sprinkler leakage, and automobile. Life. Life. Marine. Life. Marine. Accident, sickness, steam-boiler, plate glass, burglary, automobile, fly-wheel. Life and accident. Life. 'Marine and automobile. Marine, inland marine, inland transportation, accident, automobile. (Also licensed under " B.C. Fire Insurance Act" to insure automobiles against loss or damage by fire.) Life. Guarantee, accident, sickness, burglary, plate glass, and steam-boiler. 'Marine, inland transportation, explosion (including riot and civil commotion), tornado, and automobile. Life. Life. Marine. Marine. 'Accident, sickness, plate glass, and live stock. B.C. Inscribed "Stock, $973'.3'2. Canadian Bank of Commerce, $125. * Also licensed under " B.C. Fire Insurance Act" to transact fire insurance. Securities (par value) deposited under the Act:— (1.) War Loan Bonds, $1,000; Municipal Securities, $5,000; (2,) Cash, $5,000. (:;.) Dominion War Loan Bonds, $5,000, and deposit receipt] (4.) Dominion War Loan Bonds, $27,000. Note.—Licensed since December 31st,- 1918 :— Aetna Life Insurance Co., Hartford, Conn.; attorney, John F. Brandt, Vancouver; to transact life insurance. American Alliance Insurance Co., New York, N.Y. ; attorney, 0. D. Lampman, Vancouver; to transact automobile insurance Newark Fire Insurance Co., Newark, N.J. ; attorney, F. W. Walker, Vancouver; to transact marine and automobile insurance New Zealand Insurance Co., Ltd., Auckland, N.Z. ; attorney, J. T. Summerfleld, Vancouver; to transact marine insurance: Northern Assurance Co., Ltd., London, Eng.; attorney, R. V. Winch & Co., Ltd., Vancouver; to transact marine insurance. Scottish Metropolitan Assurance Co., -Ltd.. Edinburgh, Scotland ; attorney, Lawrence W. Peel, Vancouver; to transact accident United States Lloyds, Inc., New York, N.Y.; attorney, B. G. D. Phillips, Vancouver ; to transact marine insurance.- Western Casualty Co., Denver, Col. ; attorney, W. II. Biegel, Vancouver; to transact accident and sickness insurance. (excluding (excluding Insurance against insurance against loss by reason of 1 loss by reason of 1 njury to the person), njury to the person). sickness, guarantee, and automobile insurance. 9 Geo. 5 British Columbia. Y 29 TABLE L—NET FIRE INSURANCE PREMIUMS AND NET LOSSES, 1918. Name of Company. Acadia Fire Insurance Co Aetna Insurance Co Agricultural Insurance Co Alliance Assurance Co., Ltd Alliance Insurance Co. of Philadelphia. American Alliance Insurance Oo American Central Insurance Co Atlas Assurance Co., Ltd Beaver Fire Insurance Co Boston Insurance Co ^.,. British America Assurance Co '. British Colonial Fire Insurance Oo British Crown Assurance Corporation British Northwestern Fire Insurance Co British Traders Insurance Co., Ltd Caledonian Insurance Oo California Insurance Co Canada Accident Assurance Co Canada National Fire Insurance Co Canadian Fire Insurance Oo Century Insurance Co., Ltd Citizens Insurance Co. of Missouri Commercial Union Assurance Co., Ltd Commercial Union Fire Insurance Co. of N.Y ... Connecticut Fire Insurance Co Continental Insurance Co Dominion Fire Insurance Co Dominion of Canada Guarantee & Accident Insurance Co. Eagle Star & British Dominions Insurance Co., Ltd Employers Liability Assurance Corporation Equitable Fire & Marine Insurance Co Fidelity Phenix Fire Insurance Co Fire Association of Philadelphia Fireman's Fund Insurance Co Firemen's Insurance Co , General Accident Fire & Life Insurance Co General Fire Assurance Co. of Paris Glens Falls Insurance Co Globe & Rutgers Fire Insurance Co Globe Indemnity Co. of Canada.. Great American Insurance Co Guardian Assurance Oo., Ltd Hartford Fire Insurance Company Home Insurance Company Hudson Bay Insurance Company Imperial Guarantee & Accident Insurance Co Imperial Underwriters Corporation Insurance Co. of North America Insurance Co. of State of Pennsylvania Law Union & Rock Insurance Co., Ltd.... Liverpool & London & Globe Insurance Co Liverpool-Manitoba Assurance Co London & Lancashire Fire Insurance Co London Assurance Corporation London Guarantee & Accident Co., Ltd London Mutual Fire Insurance Co Mechanics & Traders Insurance Co Mercantile Fire Insurance Co Merchants Fire Assurance Corporation Millers National Insurance Oo Mount Royal Assurance Co National Ben Franklin Fire Insurance Co National Benefit Assurance Co., Ltd National Fire Insurance Co. of Hartford National e Fire Insurance Co National Union Fire Insurance Co Newark Fire Insurance Co New Hampshire Fire Insurance Co New Jersey Fire Insurance Co Niagara Fire Insurance Co Northern Assurance Co North American Accident Insurance Co North British & Mercantile Insurance Co North Empire Fire Insurance Co North West Fire Insurance Oo Northwestern Mutual Fire Association Northwestern National Insurance Co Norwich Union Fire Insurance Society. Ocean Accident & Guarantee Corporation Occidental Fire Insurance Co Pacific Coast Fire Insurance Co Palatine Insurance Co., Ltd Phenix Fire Insurance Co Phoenix Assurance Co Carried forward . Net Premiums. Net Amount of Losses incurred. Net Amount of Losses paid. $ 26,941 79 $ 8,889 57 $ 10,066 61 63,170 23 2,704 16 2,542 39 12,469 83 2,895 53 2,778 26 29,387 55 3,114 85 2,857 85 21,445 15 6,766 61 6,265 02 6,501 36 2,089 57 1,583 57 13,309 72' 1,454 81 1,459 18 27,951 99 5,755 70 5,755 70 4,731 96 30 00 708 94 36,662 70 23,716 10 20,878 28 64,868 54 21,103 53 17,171 02 16,168 21 8,465 41 8,465 41 54,614 57 17,720 54 19,490 54 5,008 31 sa. 391 73 14,614 01 444 19 444 19 43,399 34 5,378 35 5,301 35 28,031 41 12,925 07 7,415 07 19,442 54 11,673 06 5,179 22 36,388 47 7,006 45 6,008 45 22,682 44 3,889 18 6,768 61 23,272 53 2,794 80 3,012 02 32,912 51 2,935 65 2,939 64 114,441 90 45,080 10 33,959 77 8,388 29 1,730 83 1,729 27 44,689 05 15,484 01 12,961 28 40,768 99 9,256 84 9,251 72 10,080 97 1,573 99 1,573 99 2,125 01 Nil. 1 05 31,174 16 164 97 163 77 55,798 88 11,647 83 12,278 05 7,885 31 6,136 67 5,004 67 56,028 41 11,173 43 11,149 05 24,707 84 13,572 01 12,221 68 67,516 32 14,021 25 5,099 90 14,797 99 21,326 00 2,257 65 25,404 34 3,304 30 694 49 17,358 19 6,374 25 *6,373 25 37,372 30 6,410 11 5,785 11 49,698 86 12,721 85 6,941 62 ,41,236 43 1,077 50 1,027 50 49,786 76 18,717 77 22,894 77 102,119 67 14,264 98 16,116 69 91,677 59 30,141 14 26,734 25 75,451 91 12,884 72 13,640 72 40,154 47 25,434 89 25,414 89 3,262 69 423 20 442 82 50,623 05 4,489 04 4,738 04 74,380 92 24,386 33 21,238 80 40,461 41 14,304 61 13,302 08 14,182 56 5,082 10 3,935 48 158,217 65 14,449 74 20,455 34 41,038 95 30,440 94. 28,731 52 99,193 73 13,176 09 10,309 09 76,510 01 20,359 07 20,077 07 24,241 81 10,542 04 3,551 85 41,420 95 7,558 07 8,662 36 25,018 77 16,493 33 15,293 33 23,734 09 10,131 86 9,621 86 17,116 57 3,446 71 3,446 71 4,969 49 1,039 14 1,034 34 49,869 54 9,013 93 9,170 78 16,143 24 4,135 73 4,035 05 1,677 88 4,200 00 100 00 88,461 52 13,104 42 9,720 42 31,506 55 5,080 95 4,724 43 18,648 62 13,215 99 15,038 62 11,045 73 5,728 32. 5,747 82 11,757 55 2,098 28 2,087 71 36,680 27 20,809 12 20,522 52 42,250 46 16,232 32 15,956 32 91,732 05 7,124 00 7,152 00 277 66 sg,. sa. 67,005 38 7,345 34 6,736 09 16,910 61 2,266 92 2,266 92 10,221 19 2,194 83 2,014 54 15,294 14 2,250 58 2,250 58 24,180 08 7,326 61 7,326 61 73,080 77 21,825 14 19,621 35 11,670 34 1,814 53 1,829 53 9,868 97 96 03 506 05 26,950 87 4,161 07 4,500 71 36,887 61 20,225 77 14,495 66 14,931 39 5,852 49 5,852 49 242,867 18 .$2,326,759 99 55,774 24 $619,588 77 66,367 71 $544,667 56 Y 30 Ebport of the Superintendent of Insurance, 1919 TABLE I.—NET FIRE INSURANCE, ETC.—Concluded. Name of Company. Brought forward Phoenix Insurance Co., Ltd Providence Washington Insurance Co... Provincial Insurance Co., Ltd Quebec Fire Assurance Oo Queen Insurance Co. of America Queensland Insurance Co., Ltd Royal Exchange Assurance Royal Insurance Co., Ltd. St. Paul Fire & Marine Insurance Co... . Scottish Union & National Insurance Co Spring-field Fire & Marine Insurance Co. Stuy vesant Insurance Co Sun Insurance Office Union Assurance Society, Ltd Union Fire Insurance Co. of Paris Union Insurance Co. of Canton, Ltd.... Vulcan Fire Insurance Co Western Assurance Co Westchester Fire Insurance Co Yorkshire Insurance Co., Ltd Total Net Premiums. $2,326,759 99 53,242 51 24,556 62 6,805 20 29,432 81 74,767 99 10,359 80 55,983 03 115,137 32 27,163 35 57,443 33 48,674 25 21,191 83 69,295 47 59,030 79 21,070 68 51,269 11 6,163 54 63,483 57 35,497 19 27,822 19 Net Amount of Losses incurred. $619,588 77 42,897 41 17,367 70 362 21 2,996 53 36,463 77 4,350 83 34,921 10 52,500 70 6,537 69 25,227 74 14,168 85 3,884 99 9,124 16 19,829 31 12,761 62 37,199 70 1,514 55 23,999 61 10,152 14 14,850 59 Net Amount of Losses paid. 8544,667 56 39,002 07 15.495 66 447 41 2,996 53 36,313 77 3.350 83 35,115 40- 53,629 70 4,748 16 25,113 74 15,065 OS 5,786 25 9,124 16 16,393 31 12,761 62 32,983 08 1,513 95 25,780 87 7,482 31 14,120 61 1,120,475 80 TABLE IL—FIRE INSURANCE SUMMARY. Year. Net Premiums. Net Amount of Losses incurred. Net Amount of Losses paid. 1914 $ 3,592,878 30 3,180,168 66 3,121,885 87 4,609,442 65 4,086,219 68 $1,696,780 49 1,176,835 11 1,378.764 79 887,639 01 1,214.162 65 $6,354,182 05 $1,542,S45 20 1915 „ , 1,313,759 23 1916 1,290,641 50 1917 958,460 60 1918 1,120,475 80 Totals 817,688,595 16 $6,226,182 33 TABLE III.—DISPOSITION OF PREMIUMS RECEIVED. Rate of losses paid per cent, of premiums received Rate of dividend or bonus to stockholders per cent, of premiums received (Canadian companies only) Rate of general expenses per cent, of premiums received Rate of premiums charged per cent, of risks taken 3.93 34.85 1.01 1917. 53.58 7.90 32.94 1.006 2.77 36.17 1.00 Note.—Tlie figures are taken from the reports of the Superintendent of Insurance for the Dominion for 1917-8-9, and cover the business throughout Canada of the companies to which they refer. TABLE IV.—RATIO OF LOSSES INCURRED TO PREMIUMS WRITTEN IN THE VARIOUS PROVINCES. Provinces. 1918. 1917. 1916. 43.86 28.93 60.89 41.90 51.33 67.99 20.89 52.81 48.04 25.27 50.91 32.87 25.40 59.15 59 54 69.29 62.77 48.52 60.98 44.44 5.26 55.62 47.90 45.00 52.09 60.50 50.16 77.46 210.13 49.18 39.72 58.78 Note.—The figures are abstracted from the report for 1918 of the Superintendent of Insurance for the Dominion. 9 Geo. 5 British Columbia. Y 31 TABLE V.—FIRES REPORTED. Districts reporting, Number. Amount of Loss. City Municipalities (85). i 3 7 5 2 "e 5 2 7 1 6 17 10 28 14 4 2 2 8 4 9 12 1 . 2 1 3 325 1 110 $ 800 3,474 1,774 1,880 317 5,036 2,596 930 9,910 50 2,963 2,320 16,811 1,720 5,647 26,190 2,570 4,216 1,050 410 59,870 2,729 5,687 10,321 2,788 25 360 5 3,993 606,123 2,000 16,097 Totals 619 $800,668 District Municipalities (%8). 17 8 "i 4 8 2 4 1 5 3 5 10 3 6 1 8 86 8 1 20 4 1 3 3 ti S} 107,828 16,325 700 29,800 3,819 1,968 3,350 26,010 1,200 4,215 4,620 913 194 2,802 2,610 400 78,770 530,934 16,525 2,100 12,052 2,275 193 672 9,570 3,561 Delta .- Kent Oak Bay 220 $863,306 Insurance Districts (15). 7 3 4 3 9 10 14 7 15 $ 16,696 16,989 3,070 3,281 18,191 47,222 178,966 21,396 62,707 72 $368,518 Y 32 Eeport of the Superintendent of Insurance, 1919 TABLE V.—FIRES REPORTED—Concluded. Districts reporting. Number. Amount of Loss. Insurance Districts.—Concluded. 72 6 9 ""s 10 $ 368,618 7,474 28,149 11,190 Yale 15,921 Totals 105 $ 431,252 944 $2,095,226 Note.—Construction of building:s- Fire-resisting Brick Frame . sa, 95 . 849 Total Average loss per diem, $5,740.30. Loss per capita — The Province, estimated population, 400,000 July 5th, 1919, City of Vancouver, estimated population, 110,000. it 10th, .. City of Victoria, „ 50,000. „ 2nd, ii City of New Westminster, i, 16,500 n 7th, ii City of Fernie, u 5,000 ,i 8th, u Citv of Nelson, „ 6,000. loss Nil. „ $ 191,877 it 1,903,349 $2,095,226 $5.25 5.51 .32 1.56 1.00 .90 TABLE VL—CAUSES OF FIRES. Causes of Fires. Ashes against wood Back-fire from oil-burner furnace Back-draught from boilers Blankets ag-ainst stove-pipe in attic Boys set fire to shingles Brick thrown from exploding locomotive Broken gas-pipe in carburettor Candle carelessness Carburettor back-firing- Child placed bath-robe on live ashes ... Children lighting- paper at open stove Christmas tree caught fire Clothes dropped on gas-jet Clothes too near stove Collision of trucks loaded with matches .". Curtain caught fire Cushion fell ag-ainst fire-screen Defective chimney. Defective fireplace Defective furnace Defective stove or stove-pipes ., Defective wiring1 Electrical appliances Elevator-motor Exposure Film ignited by friction Fire-crackers. Fires coming through check-draught in pipe Flame from vulcanizer Friction in feed-pipe Friction of belt on motor-shaft set grease around motor on fire Fumigating carelessness Furnace explosion Furnace or furnace-pipes insufficiently protected . . Gas-burner insufficiently protected Gasolene carelessness Gasolene-torch ignited tar-paper between joists Gasolene-torch exploded Grease ignited from fire under grating Grease on stove or range Heat from grate fire ignited mantelpiece Heating-torch blew off, causing- coal-oil to spread to hot rivet on top of boiler. Hot bearing Carried forward. Number. Amount of Loss. 17 $ 5,784 1 200 1 10 1 5 1 5 2 125 1 1,000 7 224 10 757 1 4 1 75 1 5 1 12 6 3,808 1 1,779 4 24 1 15 39 43,658 14 560 1 11,244 15 9,047 15 10,938 24 21,826 1 25 119 545,705 1 49 3 200 1 100 1 2,800 1 11,550 1 175 1 65 1 700 10 43,091 1 373 4 850 1 3 1 452 1 700 1 379 1 10 1 166 3 7,985 $726,483 9 Geo. British Columbia. Y 33 TABLE VI.—CAUSES OF FIREiS—GoncludeU; Causes of Fire. Brought forward. Incendiary Lamp explosion Lamp upset Lightning Lime setting fire to waste paper Live coals Match carelessness Matches, children with Mattress falling on stove Molten steel overflowed from open-hearth furnace.. Oil-stove explosion Overflow of oil in furnace Overheated fan-bearing ignited dust Overheated pipes Oven insufficiently protected Paper from stove Peat fire Rubber tubing ignited Short circuit Smokers' carelessness Soot from chimney Sparks from automobile ignited gasolene on floor... Sparks from boiler ignited contents of shaving-bin , Sparks from burner Sparks from burning- rubbish Sparks from bush fire i Sparks from chimney. Sparks from fireplace Sparks from furnace Sparks from locomotive Sparks from retort Sparks from stove or stove-pipe Spark from tempering-tool Sparks igniting gas near tar-well Spontaneous combustion Stove or stove-pipe insufficiently protected Stove explosion Stove-pipe chimney Sun's rays shining through spectacles in window ... Tar boiling over on gas-meter or stove Torch ignited woodwork Tramps Un known Wood too close to boiler Wood or wood-box too close to stove Wood on top of furnace Totals. Number. Amount of Loss. 319 $726,483 10 13,443 4 2,562 9 8,621 • 9 5,485 1 25 4 170 21 7,487 19 4,294 1 3 1 165 4 188 1 261,205 1 1,943 1 8,800 2 82,800 i 375 i 10 i 1 27 13,534 42 23,620 1 2 1 50 1 99,850 13 42,373 6 265 11 11,097 190 49,519 10 251 4 4,078 2 500 1 10 11 10,637 1 70 1 337 11 63,278 37 28,697 2 2,151 3 1,125 1 12 6 3,394 1 16 3 6,053 140 609,834 1 5 3 623 4 285 944 $2,095,226 TABLE VII.—CLASSIFICATION OF PROPERTY BURNED AND CAUSES. Property. Apartment-houses . Automobiles. Carried forward., Ashes agai nst wood 1 Back-fire from oil-burner furnace 1 Curtain from stove 1 Defective chimney 1 Defective wiring 2 Electrical appliances.. Elevator-motor Fire coming through check-draught in pipe Furnace explosion Match carelessness Matches, children with Smokers' carelessness Spark from chimney Spark from rubbish Unknown Carburettor back-firing ; 7 Exposure 2 Gasolene carelessness 1 Hot bearing 1 Match carelessness 3 Rubber tubing igniting 1 Short ci rcuit 4 Smokers' carelessness 1 Amount of Loss. 200 5 25 640 669 25 100 700 20- 132 153 20 10 58 480 3,050 10 25 475 1 2,050 10 $2,759 Y 34 Report of the Superintendent of Insurance, 1919 TABLE VII.—CLASSIFICATION OF PROPERTY BURNED AND CAUSES—Continued. Property. Brought forward,. Bakeries Banks Barber-shops Barns . Bath-houses Blacksmith-shops. Boat-houses .. Boiler-houses . Bunk-houses 5 Butcher-shops... Breweries Canneries Chicken-houses. Churches Club-houses 3 Dog-kennels. Drv-kilns.... Dwellings 541 Carried forward. Unknown 1 Smokers' carelessness 1 Exposure 1 Spark from chimney 1 Incendiary 2 Lightning 1 Matches, children with 2 Sparks from hush fire 1 Unknown 4 Smokers' carelessness 1 Exposure 2 Exposure 1 Unknown 2 Sparks from chimney 1 Sparks from stove 1 1 ... 1 1 Exposure Sparks from furnace . Unknown Sparks from chimney 2 Sparks from locomotive 1 Unknown 2 Exposure 3 Sparks from chimney. 1 Exposure 4 Fumigating carelessness .... 1 Unknown 3 Gasolene-torch ignited tar-paper between joists Short circuit Spark from rubbish Exposure 1 Stove insufficiently protected 1 Unknown l Overheated pipes 1 Spark from burner 2 Unknown .... 2 Ashes against wood 11 Blankets against stove-pipe in attic 1 Boys set fire to shingles 1 Brick thrown from exploding locomotive 2 Candle carelessness . 5 Child placed bath-robe on live ashes 1 Children lighting paper at open stove 1 Christmas tree caught fire 1 Clothes too near stove 4 Curtain caught fire 2 Cushion fell against fire-screen 1 Defective chimney 32 Defective fireplace 13 Defective stove or stove-pipe , 12 Defective wiring 7 Electrical appliances 13 Exposure 54 Fire-crackers 2 Furnace or furnace-pipes insufficiently protected 4 Incendiary ; 5 Lamp explosion 4 Lamp upset 6 Lightning 7 Live coals 3 Match carelessness 11 Matches, children with 12 Mattress falling on stove 1 Oil-stove explosion 3 Peat fire 1 Short circuit 6 Amount of Lo 150 650 4,755 4,500 820 1,200 17,100 $ 1,000 9,000 S 10 50 * 2,308 2,500 450 $ 1,312 350 3,668 $ 65 835 $ 3 84 50 s 6,000 177 2,660 $ 8,800 64 70,446 946 5 5 125 50 4 3,448 11 15 43,313 470 7,343 3,226 3,179 39,231 75 3,305 4,947 2,562 3,038 493 70 5,767 3,154 3 118 10 1,090 S 8,860 3,264 28,435 780 10,000 5,258 5,330 14,958 418 202,705 137 8,827 22,000 81-25,! $392,287 9 Geo. 5 British Columbia. Y 35 TABLE VII.—CLASSIFICATION OF PROPERTY BURNED AND CAUSES—Continued. Property. Brought forward. Dwellings— Concluded Dyers and cleaners 1 Engine-houses 2 Factories (match) i Factories (mattress) 1 Factories (overall and shirt) 1 Factories (paper) 1 Factories (pipe) 1 Factories (sash and door) 1 Factories (soda-water) 2 Factories (wire and nail) 1 Fences 1 Fish plants 1 Foundries 1 Garages 12 Gas plants 1 Gasolene-stations 1 Granaries 1 Halls 1 Hospitals 4 Hotels 20 House-boats.. Carried forward 692 3 Causes. 319 Smokers' carelessness 11 Soot from chimney 1 Sparks from burner 2 Sparks from bush fire.. 6 Sparks from chimney 159 Sparks from fireplace , 10 Sparks from rubbish 3 Sparks from stove or stove-pipe 9 Spontaneous eombustiotr 3 Suns rays shining through spectacles in window' 1 Stove explosion 1 Stove or stove-pipe insufficiently protected 31 Stove-pipe chimney 3 Tar boiling over on stove 4 Torch ignited woodwork 1 Tramps 1 Unknown 63 Wood or wood-box too close to stove 3 Wood on top of furnace 3 Clothes dropped on gas-jet , 1 Sparks from bush fire 1 Sparks from locomotive 1 Collision of trucks loaded with matches 1 Match carelessness 1 Sparks from chimney 1 Furnace insufficiently protected 1 Spontaneous combustion 1 Match carelessness 1 Sparks from chimney 1 Unknown 1 Oven insufficiently protected 1 Sparks from bush fire , 1 Exposure 1 Spark from retort 1 Carburettor back-firing 1 Exposed flame from vulcanizer 1 Gasolene carelessness 2 Incendiary 1 Smokers' carelessness 1 Short circuit 2 Spark from automobile ignited gasolene on floor 1 Spontaneous combustion 1 Unknown 2 Sparks igniting gas near tar-well 1 Short circuit 1 Incendiary 1 Defective chimney 1 Defective wiring 1 Electrical appliances 1 Sparks from furnace 1 Smokers' carelessness 1 Defective chimney 1- Defective fireplace . 1 Electrical appliances 2 Incendiary 1 Lamp upset 1 Oil-stove explosion ,. 1 Smokers' carelessness 7 Sparks from chimney 1 Spontaneous combustion 1 Unknown 4 Sparks from burner 3 Amount of Loss. $125,983 $392,287 1,932 2 35 5,193 46,003 251 200 10,557 2,577 12 2,150 27,428 1,125 3,055 16 892 108,816 623 275 337,225 12 850 150 6 780 2,800 665 1,100 700 5,519 50 1,462 4,375 560 7 75 115 150 90 48 500 12 70 169 252 10 37,217 1,000 1,779 250 80 10,781 100 190 786 82,45 7 18,985 10 16,673 337 25 2,141 10 38,518 30 §904,433 Y 3G Report op the Superintendent of Insurance, 1919 TABLE VII.—CLASSIFICATION OF PROPERTY BURNED AND CAUSES—Continued. Property. Brought forward , 692 Ice-houses 1 Launches 3 Laundries 6 Logs Lumber-mills .. Lumber-yards.. Machine-shops 2 Mess-houses 4 Mining property 4 Motor-cycles Motor-repair shops. Motor-trucks Motors Net-racks.. .. Nurses' home. Offices Offices and dwellings. Oil-tanks Orphanage Planing-mills Platforms Police-stations Pool-rooms Post-offices 1 Power-houses 1 Printing-offices 3 Matches, children with 1 Defective wiring 1 Lamp upset 1 Spontaneous combustion 1 Clothes too near stove 1 Sparks from chimney 1 Sparks from furnace 1 Unknown 2 Wood too close to boiler 1 Unknown 1 Unknown 4 Sparks from burner.. .. Sparks from bush fire.. Oven insufficiently protected. Short circuit Defective stove-pipe 1 Exposure. ,- 2 Unknown 1 Furnace insufficiently protected Overheated fan-bearing- ignited dust. Spontaneous combustion Tramps Carburettor back-firing Sparks from tempering-tool.. Broken gas-pipe in carburettor. Defective-wiring Carburettor back-firing- Short circuit ,. Exposure. Unknown. Exposure .... 1 Electrical appliances 1 Candle carelessness 1 Defective chimne}' , 1 Exposure 1 Furnace or furnace-pipe insufficiently protected 2 Smokers' carelessness 1 Sparks from chimney 4 Unknown 2 Heat from grate fire ignited mantelpiece. Friction in feed-pipe ( Matches, children with Back-draught from boilers. Matches, children with Short circuit Amount of Lc 60 400 5 350 10 489 490 5 30,809 2,250 350 651 1,425 1,622 2,.'00 26,475 1,943 43 3,761 1,000 50 250 400 1,100 500 100 1,000 420 175 45 1,085 Exposure Stove insufficiently protected.. Exposure Short circuit.. Pump-houses . Railway-cars. Defective furnace Hot bearing Sparks from chimney. Lightning Exposure Short circuit Smokers' carelessness 1 Unknown 2 Carried forward 763 , 763 $ 6,000 15 $ 11,244 160 — 25 $ 1,029 116 10 1,462 $904,433 40 1,344 165 5,247 32,222 25 1,600 614 2,902 10 11,550 46 10 2 5 5,015 100 11,429 492 2,617 $1,097,851 9 Geo. 5 British Columbia. Y 37 TABLE VII.—CLASSIFICATION OF PROPERTY BURNED AND CAUSES—Continued. Property. Brought forward 763 Railway-stations 2 Restaurants 14 Rooming-houses 10 Sanatoriums 1 Sawmills 11 Schools 4 Sheds 11 Shingle-mills 4 Shipyards 3 Slaughter-houses 1 Smoke-houses 1 Stables 10 Steel plants 1 Stores 45 Stores and dwellings, over 17 Stores and halls, over 2 Carried forward 900 .763 Smokers' carelessness 2 Defective stove-pipe 1 Exposure 7 Grease on range 1 Smokers' carelessness 1 Spark from chimney 2 Stove insufficiently protected ■ 1 Unknown 1 Ashes against wood 1 Curtains caught fire 1 Exposure 1 Smokers' carelessness 2 Sparks from chimney 4 Unknown .. 1 Sparks from stove.. Defective wiring Sparks from boiler ignited contents of shaving-bin. Sparks from burner Sparks from furnace Spontaneous combustion Tar boiling over.. ... 1 ... 1 ... 1 ... 1 ... 1 ... 1 Unknown ; 5 Sparks from chimney 2 Stove-pipes insufficiently protected 1 Unknown 1 Ashes against wood , 2 Short circuit - 1 Smokers' carelessness 3 Sparks from burner 1 Sparks from chimney... .• 1 Unknown. 3 Hot bearing - 1 Unknown 3 Heating-torch blew off, causing coal-oil to spread to hot rivet on top of boiler 1 Overflow of oil i n furnace 1 Unknown 1 Spark from furnace Grease ignited from fire under grating'. Matches, children with Unknown Molten steel overflowed from open-hearth furnace 1 Ashes against wood 1 Candle carelessness 1 Defective wiring 1 Electrical appliances 2 Exposure 14 Fire-crackers 1 Friction of belt on motor-shaft set grease around motor on fire 1 Furnace-pipe insufficiently protected 1 Gas-burner insufficiently protected 1 Lamp upset .' 1 Match carelessness 2 Smokers' carelessness 4 Sparks from chimney 2 Sparks from furnace 1 Spontaneous combustion 1 Stove insufficiently protected 2 Unknown 9 Clothes too near stove 1 Electrical appliances 1 Exposure 10 Spark from chimney 1 Unknown 3 Wood on top of furnace 1 Ashes against wood.. Exposure Amount of Loss. $1,097,851 310 274 11,400 379 150 90 30 2,060 55 8 6,000 32 257 841 6,000 99,350 043 5 7,256 10 88,429 160 727 2,000 $ 60 1,100 860 3 5 500 $ 7,800 02,350 I 166 261,205 152 100 17,694 2,213 97 400 17,849 19,036 125 175 10 373 5,171 43 435 45 1,898 1,825 315 56,487 10 3 53,669 20 5,233 10 2,508 224 7,193 SO 2,887 2,528 70,150 261,523 2,100 700 17,794 165 106,497 58,945 2,732 1,847,771 Y 38 Keport of the Superintendent of Insurance, 1919 TABLE VII.—CLASSIFICATION OF PROPERTY BURNED AND CAUSES—Concluded.. Property. Causes. Amount of J OSS. Brought 900 5 12 1 900 $1 847,771 1 175 375 1,702 2,700 1 2 Electrical appliances 1 3 1 1 4,952 Stores and rooms $ 1 $ 60 3 22 2,100 114 25 36 8 10 3 49 628 375 15,000 1 1 1 1 1 Stove insufficiently protected 1 1 1 2,381 25 Tents 1 2 1 2 1 1 Theatres (moving 1 1 1 677 1 ....'. 1 1 4 15,375 329 $ 100 400 $155,535 25 100 100 1,597 603 1,400 55,306 $ 500 7,500 $ 2 452 13 2 500 1 Tramps 1 1 2 1 2 1 1 214,750 1 2 944 8,000 1 1 454 944 Totals $2 095,226 9 Geo. British Columbia. Y 39 TABLE VIII.— SUMMABY. 1918. January February March April May June July August September October November December Totals, 1918. Totals, 1917. Totals, 1916. Totals, 1915. Totals, 1914. Grand totals Cities (35). 26 45 41 72 82 76 69 44 49 28 43 44 619 422 496 469 535 Fires rsported. Other Municipalities (28). . 9 5 10 19 101 9 16 11 11 13 220 123 172 240 223 Insurance Districts (15). 3 5 5 8 11 17 18 105 117 Total. 38 55 56 99 194 102 94 58 80 44 69 944 662 668 709 758 3,741 Cities (35). 25,275 18,987 25,724 32,534 308,707 71,478 103,654 30,200 21,059 44,685 21,866 96,439 $ 800,668 756,427 1,041,440 865,093 1,249,723 $4,713,351 Amount of Loss. Other Municipalities (28). 7,115 1,025 13,007 49,052 615,286 23,606 89,525 12,243 15,456 9,781 11,789 15,361 863,306 227,442 339,512 365,717 390,111 $2,186,088 Insurance Districts (15). $ 4,050 4,936 2,236 22,673 12,161 76,333 34,826 7,690 70,121 136,682 13,309 46,235 $431,252 558,009 $989,261 Total. 36,440 24,948 41,027 104,259 936,214 171,417 228,005 50,133 106,636 191,148 46,964 158,035 $2,095,226 1,541,878 1,380,952 1,230,810 1,639,834 $7,88S,700 TABLE IX.—LOSS OF LIFE. 1910-18. Cause of Fire. Loss of Life. Occupancy. Adults. Children, 1 1 1 1 Total 4 8 6 Totals, 1917. 1 9 Y 40 Report op the Superintendent of Insurance, 1919 TABLE X.—INVESTMENTS IN BRITISH COLUMBIA OF COMPANIES OTHER THAN LIFE INSURANCE COMPANIES. (For British Columbia investments of Life Insurance Companies sec Abstract of Returns of Life Insurance Companies, post.) Name of Company. American Central Insurance Co Boiler Inspection & Insurance Co. of Canada Boston Insurance Co British America Assurance Co British Columbia Plate Glass Insurance Co British Colonial Fire Insurance Co British Crow-n Assurance Corporation, Ltd Caledonian Insurance Co., Ltd California Insurance Co Canada Accident Assurance Co Canada National Fire Insurance Co Canadian Surety Co Century Insurance Co., Ltd Commercial Union Assurance Co., Ltd Dominion Fire Insurance Co Dominion of Canada Guarantee & Accident Insurance Co. General Accident Assurance Co. of Canada General Accident Fire & Life Assurance Corporation, Ltd. Glens Falls Insurance Co Globe & Rutgers Fire' Insurance Co Globe Indemnity Co. of Canada , Guardian Assurance Co., Ltd Guardian Insurance Co. of Canada Hartford Fire Insurance Co Home Insurance Co Hudson Bay Insurance Co Imperial Guarantee & Accident Insurance Co Imperial Underwriters Corporation of Canada Insurance Co. of the State of Pennsylvania Law Union & Rock Insurance Co., Ltd Liverpool-Manitoba Assurance Co London & Lancashire Guarantee & Accident Insurance Co London Assurance Corporation.' London Guarantee & Accident Co., Ltd London Mutual Fire Insurance Co. of Canada Loyal Protective Insurance Company Maryland Casualty Company National Ben Franklin Fire Insurance Co National Benefit Assurance Co., Ltd National Fire Insurance Oo. of Hartford National Union Fire Insurance Co North American Accident Insurance Co North British & Mercantile Insurance Co North Empire Fire Insurance Co Northern Assurance Co., Ltd Northwestern National Insurance Co Norwich Union Fire Insurance Society, Ltd Pacific Coast Fire Insurance Co Phoenix Insurance Co Queen Insurance Co. of America Royal Insurance Co., Ltd Royal Plate Glass Insurance Co. of Canada . .: Springfield Fire & Marine Insurance Co Union Marine Insurance Co., Ltd Totals Mortgages. $1,193,932 00 391,035 12 14,000 00 37,233 96 103,558 '66 380,000 66 48,500 66 546 70 237,709 90 290,000 00 2,250 00 $3,201,399 01 In other Securities. $ 30,060 00* 44,000 00* 25,000 00 160,866 66 5,973 33 3,000 00 23,219 86 69,164 00 25,000 00* 19,000 00 25,733 33* 26,000 00t 33,460 64t 93,911 50* 33,332 64* 45,779 47* 20,000 00 48,180 00 5,000 00 56,590 001 39,767 36t 76,000 00* 50,000 00* 102,779 49 29,676 50} 30,434 75} 53,200 00* 30,666 66* 447 80J 176,000 00 356,107 44 25,975 00 9,400 OOt 61,684 26t 39,997 12} 32,739 66t 22,984 75 35,000 00* 15,437 00} 148,600 00* 45,000 00} 250,000 00 52,827 05} 75,200 00* 511,367 49} 18,400 00 32,000 00* 214,860 67* ssXo'oot 22,212 92 $3,387,060 69 * Tar value. 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Fh . (U ■ c itt *•» § c "-- St) " - c o o " - H~ ~ o o --1 ■ sh"E! . . cos : •§ fo : b- 'rt'rt ;| PQ O Eh o <" Ph H 02 rr 1 M H tt a o Q ■ rt :° c : °-J d d.Sl o o Z g ^ a. il'S IS © rS 331 •8 "31 flrS* B ftB si dC OOC 6 o B c 5c 3| a e =0 & - c O s- o - 1 < a r- 2 cc 'o o c 3 3 l| "77 0, £ - rH P 3r= £ 0 a C ■ d 4- : s s r^X-5 W — E a> t—' t- o -—,— -B o cs3 o !s3 c « J '" OJ B -h1 lie B £C B -rS COS CD Pi 3 c C c C! t- s a c 0 C cS - C d xO a H ° « C B P B £ IPs ^H i—i CD -B CD CD -tJ f- ■** i3 *-»3 -s B B ci a ■ rt CD " CSS J- .9 S'S :.S ? "-" O o eg J 33 ^ CI2 ■ t- 3: « O 0> :Or5 S • s • -c- g O S «"»? SQ g+c 0 188 -5 3l31i o CJ o = i X ~ "B « ,q C ri ri'o d Q 8 fl Sc i : CD P CD o & 0 x'l a c 0) C od ri o B O ri B "8 ri B HrMCO^maNMCJOHiMco Trim (OI-COaiOrHOlCOTflo COI-^OOOOt-HCMCOtt i-H 1- H r~ rH i—' rH i—1 r- o ess G> CM OO CM 0 Ol 01 0 CO OO C- CO «r Y 42 Report op the Superintendent op Insurance, 1919 TABLE XII.—LIFE INSURANCE SUMMARY. 1914. 191." 1916. 1917 1918. Premiums for year . . Net amount in force Claims paid $ 2,817.000 84,149.000 678,000 $ 2,761.000 83.204,000 1,021.000 $ 2,906,000 87.983,000 1,034,000 $ 3.313,000 95,309,000 1,302,000 $ 4.026.000 112.978,000 1,558,000 TABLE XIV.—MISCELLANEOUS INSURANCE SUMMARY. 1914. 1913. 191ft. 1917. 1918. L $157,000 71.000 68,000 20,000 559,000 244,000 102,000 44,000 112,600 63,000 $139,000 62.000 68,000 32.000 279,000 155,000 57,000 33,000 130,000 68,000 73.000 28,000 $126,000 47,000 100,000 43,000 282,000 191,000 93,000 28,000 200.000 120,000 69,000 28,000 $197,000 111,000 50,000 21,000 68,000 103,000 135,000 50,000 283.000 152,000 74,000 22,000 $221,000 78,000 73 000 L 41 000 Liability, P 31,000 14,000 230,000 65,000 404,000 125,000 79,000 21.000 L Ic ;, u L -Premiums. -Losses. 43 TABLE XIII.—MISCELLANEOUS BUSINESS: NET PREMIUMS AND LOSSES, 1918. NAME OP COMPANY. !"•» ■ \'. Accident. Sickness. Liability. Automobile. Burglary. Guarantee. Plate Glass. Marine. Live Stock, Steam-boiler, Sprinkler Leakage, Inland Transportation, FliT-WHBEL AND EXPLOSION. (Indicated by Initial letters.) Total Premiums. Total Losses. Unsettled Claims. Premiums. Losses. Premiums. Losses. Premiums. Losses. Premiums. 9 1,490 35 2,294 48 Losses. Premiums. Losses. Premiums. Losses. Premiums. Losses. Premiums. Losses. Premiums. Losses. 9 26 00 1,093 11 $ 46,493 35 6,789 11 9 18,704 77 154 64 $ 47,983 70 9,547 34 1,025 95 24,670 91 25,829 00 2,067 45 12,273 28 6,857 22 6,952 96 11,221 10 4,599 73 87,635 01 57,162 43 67,011 11 10,851 70 25,390 25 19,318 59 122 18 5,266 82 41,862 61 20,710 57 530 45 42,149 91 11,134 49 . 32 00 8,015 56 3,560 14 3,217 92 17,373 77 43,002 67 4,140 76 3,105 24 5,995 70 34,581 05 26,583 42 3,823 61 3,439 75 6,585 03 233 94 446 75 6,302 98 33,461 71 1,422 03 1,895 05 3,362 31 2,887 74 8,876 44 2,919 54 19,431 40 27,674 05 2,605 31 26,956 18 8,907 30 4,817 73 3,530 26 33,519 90 1,614 50 1,579 84 9,408 11 2,817 48 29,503 64 4,685 36 29,001 14 8,144 56 3,209 03 5,803 69 39,744 42 9,821 76 15,167 64 12,942 03 11,252 64 11,834 49 768 30 $ 13,720 77 1,267 65 JfU. 13,847 94 bu MU. 7,021 78 ' 2,824 82 ya. 2,016 11 94 24 13,591 61 28,204 43 15,451 35 1,703 05 15,402 30 21,268 39 16 59 669 96 10,085 24 3,750 37 XU, ' 16,520 58 362 34 ya. ya. 1,273 02 626 11 7,007 22 16,773 25 292 79 933 98 497 39 10,249 20 6,890 55 1,002 00 2,833 61 2,141 09 BU 303 33 488 43 13,268 24 1,066 35 6,033 80 1,064 95 690 56 5,187 66 50 95 2,465 31 12;034 47 2.009 35 12,825 85 5,590 69 338 96 ya. 7,683 21 743 66 371 68 2.010 79 1,455 26 1,223 49 1,035 20 23,433 60 NU 1,688 57 259 39 11,285 72 2,412 08 2,230 93 9,428 76 . 4,936 15 2,403 86 95 75 $357,795 57 9 2,963 42 au Nil. Nil. ya. 50 00 NU ' 979 65 1 S 101 26 BU.' $ 72 60 $ 20 00 9 20000 yu. 2 S.B. $1,025 95 .mi. 8 24,670 91 26,829 00 13,847 94 ya. ■ 4 6 2,067 46 bu 6 9 12,273 28 S 7,021 78 7 6,867 fee 2,824 82 8 6,962 96 - ya. 0 8,488 44 9 764 82 1,706 12 000-81 4,967 57 247 21 ISO 01 94 24 9 08 08 30 00 ya. mi. 181 02 4,322 52 BU mi. 693 97 280 07 800 00 126 00 900 00 4,977 52 NU. 560 99 2,903 00 4,665 00 NU Nil. 2,025 55 12,559 10 240 00 16,311 08 614 00 NU ya. 4,865 91 NU 18,214 37 1,177 00 360 00 112 88 NU. 81,290 00 401 00 NU 600 00 574 46 Na. 748 98 1,011 00 4,124 60 NU 5,327 30 352 59 126 00 170 00 Nil 951 50 3,916 00 NU 3,111 00 NU 150 00 1,434 27 4,945 00 818 65 NU 678 62 Na. 84 15 634 00 3,840 00 Na. NU NU 1,400 00 8,632 00 2,500 00 146 58 1,760 50 75 00 10 11 37,635 01 13,591 61 12 35,320 01 29,496 49 4,068 15 13,858 43 6,924 16 299 99 18,091 67 18,932 20 2,358 95 12,277 05 6,497 97 1,230 39 8,760 86 20,541 72 8,647 70 2,068 05 3,660 87 4,172 67 13 68 76 300 03 bu mi. 1,780 76 202 87 yu. JHL 1,101 10 368 36 14 9 274 00 BU 15 26,300 25 16,402 30 10 4,949 23 10,220 29 2,102 82 908 21 2,120 46 9 6,618 12 8,081 62 122 18 982 62 4,410 79 6,362 70 1,461 77 16 50 8 25 448 66 911 68 2,064 66 9 2,000 00 17 18 19. Fidelity & Casualty Co 590 49 nu. 395 73 147 66 1,003 66 Nil. 1,116 03 yu. 500 34 514 05 /S.B. 385 06 \P.W. 343 00 Nil \ Nil. f 19 87,451 82 9,641 69 20 *5,293 03 928 61 8,246 86 1,010 18 678 08 NU. S.B. 231 32 US. 530 45 Nil. Nil. 21 m 18,841 34 4,261 01 12,866 26 10,181 03 826 72 28 06 9,149 42 3,464 61 2,060 49 362 34 93 00 878 17 23 7,669 98 bu 24 L.S. 82 00 NU. 26 8,015 56 54 25 ya. ya.. 26 •1,628 24 514 12 444 97 276 76 1,340 18 2,504 17 6,890 93 18,900 91 276 76 626 11 8,610 81 3,871 13 16 26 NU. 76 26 205 40 27 E. 713 75 NO. 98 6,479 65 1,888 17 • 8,046 15 2,456 44 770 03 20 60 178 11 81 20 29 20,024 26 12,899 62 I.T. 77 60 9 2 50 30 602 43 87 60 . 573 17 149 64 ^ 2,765 16 106 66 81 3,106 24 933 9S 82 5,096 70 497 39 33 10,220 34 4,166 60 1,166 24 721 78 966 31 1,970 12 692 14 488 17 4,078 90 930 03 8,717 56 18.20 14,732 98 14,424 08 4,773 26 4,664 74 4,682 62 2,874 47 34 ya. 2,220 18 • 1,052 71 35 3,828 61 1,002 00 3fi 3,430 76 2,333 61 37 6,585 03 2,141 09 38 233 94 bu. 89 218 44 143 81 ♦83,461 71 828 81 125 10 303 88 610 24 40 249 90 18,268 24 ,1,604 00 2,192 54 66 00 604 76 686 34 -293 08 467" 37 S.L. 378 10 41 4ft 1,422 OS 1,056 86 48 1,895 06 6,033 80 44 3,362 81. 1,054 95 45 128 54 2,887 74 8,926 00 2,919 54 8,563 85 9,058 85 690 66 2,999 20 60 95 933 52 1,439 50 46 3,858 96 603 64 417 48 278 20 1,001 60 646 51 806 12 47 48 8,893 68 •18,936 79 464 73 9,292 45 6,591 78 814 86 608 10 1,971 00 10 00 583 15 773 09 - 2,298 71 242 20 719 87 49 64 40 244 30 ■ if a. 50 2,605 31 4,842 94 2,009 35 2,714 34 51 22,613 24 10,111 81 52 *8,907 30 6,590 69 68 4,817 78 338 96 54 3,530 26 ' Nil. 55 13,034 58 ♦1,614 60 4,074 96 748 66 6,687 00 2,750 10 2,86S 60 73 60 11,019 53 2,878 67 53 84 SBU 708 99 -2,687 29 649 46 684 18 66 57 1,579 84 871 68 68 •817 50 009 09 606 60 446 45 ' 1,352 66 6,726 46 666 22 60 2,817 48 1,466 26 60 4,553 60 4,597 86 1,223 49 1,036 20 24,925 79 Nil I.T. 24 25 S.L. 87 50 Nil. Nil. 61 62 29,001 14 8,144 56 23,433 60 Mu. 68 64 1,043 49 6,803 69 114 00 259 39 2,165 64 ;i,524 57 65 66 . 2,146 16 7,680 05 1,427 38 1,497 86 1,182 76 2,338 39 245 93 bu 87,598 26 2,241 70 10,102 97 78 67 07 68 780 60 >. 68 57 686 00 760 67 2,431 66 170 86 847 67 yu. 7,807 86 142 17 1,337 67 858 24 I.T. 787 01 248 86 69 10,657 67 11,252 64 11,834 49 9,179 91 4,936 16 2,403 86 70 71 72 04 00 06 00 60 76 188 00 bu. 215 25 86 00 L.S. 175 05 Nil. 78 $230,344 54 S13£,967 29 8221,568 38 $ 78,622 97 8 73,523 55 $ 41,807 03 • 31,339 80 9 14,508 01 8 65,287 OS 9 3,292 61 ya. 9 87,302 15 $ 4,215 35 8 34,289 11 $ 17,136 49 $405,674 50 $ 4,740 93 9 251 35 $1,041,976 57 $149,955 02 ♦Accident and sickness. 9 Geo. 5 British Columbia. Y 45 33 & rH •a) 3 o D m o <1 8 is 03 l-H H Z s g "* 50 j_ CD ._■ t~ O (M 5."S € o c & -* O CO t> H .SQ .E c e© u bcc 5 5fl ^* Ci CO C IP CJ €& 9 5 e ' ■< w-d § s O i— ei co" 11 r-i CO CO o x m° r-irP£>-* Ol -* O t~ t fl 5 3 <& S& & ■* be 3 be © = EC CO CO a fl£ e& jj © K co Ol r- 40 €©= (3 c o o c u 9 c S C p to ai ; 3o£!J o s CO CJ fc < PS . ££ co £ 3 0 H I ll'l IO c -1 .3 9 S3 g.-sf *■ as ■ac-o ftft 05 o 5 0> Q.-C £ ?3 •Si -CC P-O o H OS O I-H OX Tcfl CO lO "^ 00 1> J>- ■>* iQ tr. ■* r~- N»MM co ic- eo 0 a>£ 2 S &£ 93= 00 - »n ] .00 ] tf* ' .Silo rH r- O^ rH CO CM CO t- -Oi CO