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Tous les autres exemplaires originaux sont filmds en commenpant par la premidre page qui comporte une empreinte d'impression ou d'illustration et en terminant par la dernidre page qui comporte une telle empreinte. The last recorded frame on each microfiche shall contain the symbol — <»- (meaning "CON- TINUED "), or the symbol V (meaning "END"), whichever applies, Un des symboles suivants apparaitra sur la dernidre image de chaque microfiche, selon le cas: le symbole — ^> signifie "A SUIVRE", le symbole V signifie "FIN". Maps, plates, charts, etc., may be filmed at different reduction ratios. Those too large to be entirely included in one exposuru are filmed beginning in the upper left hand corner, left to right and top to bottom, as many frames as required. The following diagrams illustrate the method: Les cartes, planches, tableaux, etc., peuvent dtre film^s A des taux de reduction dif?6rents. Lorsque le document est trop grand pour fitre reproduit en un seul clich6, il est film6 d partir de Tangle sup6rieur gauche, de gauche A droite. et de haut en bas, en prenant le nombre d'images n6cessaire. Les diagrammes suivants illustrent la mithode. 1 2 3 1 2 3 4 5 6 I R KUTUi TC r i TA i: v-^^ie-laWs 1. AND REGULATIONS OP THE HOME DISTRICT MUTUAL FiRE INSURANCE COMPANY, TORONTO, UPPER CANADA. r i AS APPROVED BY BOARD OF OXBSCTORS, "WITH TARIFF OF INSURANCE. INCORPORATED BY ACT OF PARLIAMENT. zrsc Toronto X PRINTED BY W. J. COATES. 1837 * ' * t ■^3 //c^^ rv_^- ' ''^N^f/V-^^<^ A¥% U iM^i Z/d-i^ T ] « GEO JnriN T. D. F. -. ♦ ». '/^ orFxesns i f OP THE C O xTl P A i\ Y For the Year ending June, 1837 DIRECTORS. W. W. BALDWIN, Esq., PnEsroRFT. GEO RIDOUT, JnriN MONIGOMERy, T. D. HARRIS, J. LESSLIE, J. H. PRICE, F. JACKES. F. HINCKS, SflOABTART AKD TaCASVKCS. lifUli B VE-L AW S or THE HOME DISTRICT MUTUAL FiRE f^SOBAKCE COMPANY, TORONTO. UPPER CANADA. ARTICLE I. Section 1.— The annual meeting of the Company lor the election of Directors, and when the afiairs of the Company will be submitted, shall be held on the first Monday in June, the day appointed bv law at ten o'clock, A. M., at such place in Toronto as 'the Directors for the time being may order; notice of which shall be given by the Secretarv. or, on his fail- ure, by the President, or either of the Dn-ectors, stat- ing the time, place, and design of said meeting, by publication three weeks successivelv \n at least rwo newspapers printed within the District, the last of which pubHcations shall be at least ten days previous to the time of holding said meeting. Sect. 2.--Whenever. in die opinion of a majority of the whole Board ot Directo"s, the interest of tha Company shall re(|uiro it, or when thirty or more members of the said Company shall apply to the Di- rectors, setting forth, in writing, left with the Secre- tary, the purposes for which a mc^tinir is desired n special meeting of the Company may fie called, to 'bo A ;i I holden at Toronto, and notified in tho manner afore- said. iSect. 3. — At every meeting of the Compan3% the President, when present, and in his absence the senior Director, shall call to order, and preside until a chairman be chosen. The elecliun of Directors shall be by ballot, as the Act requires. All other ques- tions may be determined by voting in such way as the majority present may think proper. ARTICLIWI. Si^ct. 1 — Noti(!e of assessments shall be given by iho Treasurer by publication in two or moi-e of the ncu'jpiipers printed in the District three weeks suc- cessively, the last publication of which shall nut b-e less than thirty days prior to tlie time fixed for their payment, and in such other newspafjcis as the Direc- tors nv.iy doom njcessuiy or exi^i-dient. The Direc- tors may also cause such noL^ce to be published in haud-biils, posted up in such jjlaces as they may di- rect. Kj'ct. 2. In order that there may not be more than one assesssneMit iu auv year, and tl^nt such as- s:^ssmont m.iy be p.i; ! at the anninl meciiiig of the Compaiiy. the Ducctors ajc ^Ujthorized. m case of any loss or danng(? by ii;(j, ;.> borrow sucIj sum or sums of money as may be jvquii'e.l to ma { sr.e.ii L,ks or damage ; and in making ilie annual assessment the interest accruing on money borrowed, and also all incidental expenses, sliali be included in such assess- ment. ARTICLE III. Sect. 1 — The Company will make Insurance for the term of three years ; and the amount of the pre- mium note or sum to be deposited for the insurance «f any building shall be according to the hazard of U£ «f iner aforo ipany, tht the senior Ic until a ctors shall ther qucs- :h way as )i'e of the 'Ceks suc- ill njt l^e I lor their the Direc- 'hc Direc- bJishecl in y in ay di- be more such as- iig of the n case of U su!n or sr.c.ii L,ss snirnt tlie i also all :h asscss- rance for ' the pre- insurance lazard of such building, or the danger to which it may be ex- posed to loss or injury by fire ; taking into considera- tion the materials of which it k compn.sed, the man. ner of ilsconstiuoiion, the puipost.^ for wl i I, U is used, Jts situation as to nh.M builciugs, aud all oilier Circumstances affecting its risk. Srct. 2.~.Insuiances shall not be made to a rricat- er amount than £2500 on any one risk. Sect 3.— In cases when no permanent lien cnn he created, as on household fuMiiture mc rehandize .Vc the Directors may require an inden.nitv in heu I'here- ot, by an approved surety on the [ueniium note J^ect 4.--.Not mf)re than two-thirds of the es^imat- ed value of any building shall be insured by this Company. . BYE-LAWS '^: DIRECTORS. AimCLE I. Sect l--Applications for insurance on property of a doubly hazardous nature, or more exposed to'fire man ordmary, for sums not exceeding £250cnrrenev may be approved by two Directors, all si.nis not ex- ceeding £500 currency by three, and Ml si ms over ^500 currency by five or more ol the Directors. ^ec.'. 2.— Applications for insu-ance on pronerfv olher than what is referred to h, the T,rece(iinff «ee- tion, for sums not exceecing £250 eunencv nluv bo approved oy one Dijeetor, an.l r.ot exci^cdmu: £5G0 T'^^'^r?! ^''''' Di'^^ctors. and all risks over and joiity of the Directors, before the Stcretui'y shall is- sue^any policy thereon. 5fi\?T*'^"'^^ buildings and goods, or trades, as - --^licuiariy extra liazardous, may be excluded at ■il 1 I I, the discretion of the Directors, and may be insared at such rates as may be determined by a majority of the Directors. SecL 4. — Five per cent, of the premium note shall be paid and endorsed thereon at the time of effecting the insurance ; 5s. for the survey, 5s. for each policy and 2s. 6d. for each renevi^al of the same. Sect, 5. — If insurance be wanted on nore than one building in the same policy, the amount on each must be named : also the amount on furniture, goods, grain, &c. eea ascertained and paid. ARTICLE V. 'reasurer to mpany, the iiy be paid irder of the J before en- give Bonds .f the majo- Sect. 1— Whenever any member of this Comnanv e report in shall alienate or sell any {muse or bui]din<^^insurld l,« ach annual may surrender his policy to the Secretary, with a ,t ,e when re- questsigned by him to have the samecance led tole.her for his ser. *. h a certificate of the Town Clerk, o. of tKent '.t. »f the said Company in his vicinitv. or of some S ecretary to jerson knowing the fact, and the Secreta vTaH en -r procee*ngs he same on record as canc^ll^^ f. .„"_ 1" f^ >r«, and fileriay the same shall be received'by him and't ° .ne building only is alienated or soV xvherTotKr: 10 contained in the same policy, said policy may be sur- rendorcd as to tint building only, and to take effecl on the dav it .^liill be received by the Secretary, and the amount of pt-eminm on the said building so sold, shdl be en l:)rs.^d after thirty days from the date of surrender, on s liJ member's p-emium note, or such portioa thereof as shall not have been paid or ex- pended. Primhd further, tliiit whenever the grantee or alien'^e, sh ill procure an assin^iiment and transfer of a policy, when he sh ill hive purchased the whole pro- pii-tv insured, and shall within thirty days from the (iiy'lie purc'iMses the same, forward the said pchcy and assii^nuient to the Secretary, he may have tho Sim- couiirmeJ anl ratilied to him; and when said a^si'Tumenl shall be approved by the Directors, as afjresiid. the Secretary shall record the same, and the coniirnvition thereof by order of the said Director, when the suid grantee or ;\lienee, shall have given sat- isldciorv security for the payment of the nsiduc of the premium note i^lven for the said p:>li:v. Sect. 2. Whenever any member of this Company, who has an insurance on goo.ls or other personnl pro- perty only, shdl bona fuh aliennte or sell out said trinds or other property^ he may have the same privi- Ic^reof surrenlerinj his policy, and under the same re'^u! itions as if his p >licv was on buildings, and havo i\\l same c:in lelhnl : and wh mi goods, tjr other per- sonal propertv, are insured with bu Kdigs, and goods, or part arc sold, said policy may be cancelled as to that part only, under the 'same regulations as men- tioned \\\ tbe preceding section. SpcI, 3. Whenever any alteraticms, or additions, or change of occupants, shall be made to any building insured,°application may be made to the agent in the town or vicinity, who shall certify his opinion whether the same increased the hazard or not, and forward the same, and a statement of said applicant, by him signed to the I di''ecto: be mad approv policy, the insi or Seci tions, d much, I risk, an said, th( record certifici Sect. hall a shall be thereof and to give th( policy, the sam Sect. time th policy t note, or and an) plicatioi upon sa curity a to said : true cer cretary, said pol Sect, building Com pan may dcr of the ( - .mwiai mmm^ lay be sur- take effecl •etary, and ng so sold, ihe dato of te, or such Daid or ex- grantee or 'anster of a whole pro- s from the said pciicy y have the when said irectors, as same, and id Director, e fjiven sat- siduc of the 3 Company, M'sonnl pro- sll out said same privi- r the same s, and havo other per* and goods, celled as to ns as men- r additions, .ny building gent in the ion whether forward the ' him signed to the Secretary, who shall submit the same to the di'-ectors i'or their approval ; or said application may bo made to a Director, or the Secretary, and when approved, the Secretary shall enter on record of said policy, that the same is not endangered, and return to the insured a certificate thereof; but in case the agent or Secretary, shall judge that said altciations or addi- tions, do increase the risk, then they shall say how much, and take an additional note foV such increased risk, and when approved by the Directors, as afore- said, the Secretary shall enter a minute thereof, on the record of said policy, and forward to the insured a certificate thereof. Sect. 4. — Whenever any one, hereafter insured, shall alienate conditionally, by mortgage, his policy shall be void, unless he shall make a representation thereof in writing to the Directors, stating the amount and to whom mortgaged, who shall have power to give their assent to said mortgage, or to cancel said policy, as they shall judge proper on examination of the same. Sect. 5. — When buildings are mortgaged at the time they are insured, the mortgagee may have the policy assigned to him on his signing the premium note, or giving security for the payment of the same ; and any Agent Director, or the Secretary, when ao- plication shall be made to him, shall be*^ authorized, upon said applicants signing said note, or giving se- curity as aforesaid, to give the assent of the Company to said assignment, which assent and assignment, or a true certificate thereof, shall be forwarded to the Se- cretary, who shall enter the same on the record of said policy. Sect, 6.— -It is hereby provided, that in case any building, goods, or other property insured bv said Company shall be burned or damaged, the Directors may demand an additional security for the payment of the deposit note given for the' insurance of said 12 \ property, by the insured flepositiiig v/itli the Ti-onsiir- er the amount that sh.'ill remain unpaid on t'nid noto, which deposit tiiall ccnsi; t of a part of the insurance money duo said msurcd, to he retained by tiie 'I'reas urer until the ex{)ira(ion of the term of liis policy when the insured shrdl have the right to dem{3nd am receive such part of the said sum deposited as has not been expended in losses and assessments ; and i shall be the duty of the Treasurer to pay the same after thirty days from the expiration of his said po licv. Sect, 7. — All persons insured by thisCornprmy. and sustaining loss or damage by fire, are forthwitli to give notice thereof to the Comi^an}', and, within thirty days after said loss, to deliver in a pjirticular account of such loss or damage, signed by their ovai hands, and verified by their oath or airirmation ; and also, it required, by their books of account, or other proper vouchers : they shall also declare, on oath, whether anv» Jinti what, other insurance has hrcn made on the same property. If there be any fraud nv ialse swear ing, the claimant shall forfeit all claim, by virtue o his policy. ^ ARTICLE Vl. Sect, 1. — There shall bo a regular mcetin'^ of the Directors, at the Secretary's Ollice, on the first Wed nesday of every month, at 10 of the cAodi, A. M. Sect, 2. — Any two of the Din^ctors may direct the Secretary to call a special mo(ningof the Hoard ; am in his absence, may notify the other Din-ctors of saii special meeting. Sect. 3.— The Directors shall be allowed the sun cf 73. Od. per day for each, day they attend, and -Id per mile for travel each way. Sect, 4.— All orders on the Tro-i surer for sue! sums as shall be allowed by thf^ IHiectors, shall h< signed by the President or Chuirniun of the Board he i j'onfvjr ][ i'i}\d note, f liis nolic'V ;lcm{3i)(i aiK :cl as has not iits ; {iikI i iiv the same his said po inipany. and forthwith to within thii'lv iilar account own hands and also, it :)ther proper ith, wh(?thoi made on the ialse swear- by virtue o ^etin^ of th( 10 first Wed k, A. i\I. av direct the 3 Pi'r,n\\ ; an( Mitors ol' Miit ►wed the sun Lend, and -Id rer for suel tors, shall h< [)f the Boarc 13 and fX!!.intor^:i';::rd hy il:c ricerctnry ; and the Trea- surer is dirccicd to puy id: such orders. Sect. 1 — ^l'} farnitr-rc, iis'uallv denominated fix- tures, machinery, or orl;er kgd or constructed im- moveables, contained in any building, Lhall be held to be insured, or as accessai-y to the san:ie ; and the in- surance on any building yhall not bo held to include any thing outside thereof, such as galleries, porches, apparatus, slices, or otlier buildings, except the same be specially valued in the policy. Sect. 2. — If any buildings, or other property, insur- etl at tliis oiiice shall be described in the application of the assured as being less hazardous than they real- ly are, such insurance shall be void and of no* effect, whether said builc'ings or property may have been visited by any member, oiiicer, or servant of this Company or not. i'^ect. 3. — The following to be considered as hazard- ous, and doubly hazardous risks, viz. : — ILizanlous. — Apothecaries, blacksmiths, boat build- ers, brewei'F, booksellers' stock, dvers, druonrists,ojnth- r'nware, chnia, and glassware, in packages, groceries jewellers, oil, pilch, printing- oflices, sail-makers, spirit uous hquors. saltpetre, sulphur, tar, and turpentine. Douhhf Ilazfit'doiis. Acpiafortis, ether, barns, bake-houses, c(jach-ma kers, cabinet-makers, carpen- t(!rs, chair-makers, coo})ei's, chemists, shi|) and tallow chandlers, charcoal, distilleries, earthen and glass- ware, retailers, founders, t'oddcu", flax, grain unthresh- cd, gunpowder, hay, hemp, joiners, lime un:dnckcd, and other articles bcH'oming spont.'ineously ignitf;d or combustible, musical itustrument makers,, oil nulls and machinery, and all manufactories which contain fur- naces, ovens, coakles, kilns, stoves, or otherwise using lire heat, malt-houses, potash works, rope-makers, I I ! U stables, su-a.., ^^^of;^^^:^::^'^!^^^- J tpt in'rrdwa.. and dry .-d^,^--- — '. are not combustible. commission, JrLt„-;;StssSothSe this poUcywm not '^"'sTcrcl^jS'-dals, plate, platod™ pic- -S r SJoVrcinCLscripts, written se be held .nsured by any F «y/^,„„^^^j fo^ l„ss or dam- enemy, "'«""«'="°"°'^,.'' ! ' Sae done by fire, occa- sioned by the ^"["'"S " j,, j^c Company cleanngoflandsmthecouniy, 1 ^^^^^ be -r "n'to':U\^^ eXsc ^orothcr property CnaS heating buVthe Company .ill make good pany, oi by ""7 F , , j^ ,he Company, and So"erin.^"ioSed on the policy, othcrw.so Uie policy to be void. ^ ^^^ .^^ ^^ members a iso no ec bu ■», r 1\0. f*0 * chi No. 3.- co No. 4.- en ga hi: No. I. pa ou lia hn No. 2. No. 8. tic of i! ;e A, Pof Cvni. 17 For Ceut. Yo. 3. — When not, isolated or securely jirolected as mIjovo, but (iistimt irom wooden buildings, s.) as not to be en- danijered by thLin 4! lYo. 4.— When in unravourahlo situations, or '.'ndanij^eied bv wooden [juildinirs, or in very narrow streets 5 ij seco?:d class. Xo. 1.— BuildiniTS of stone or l;vick, co- vered with wocHJ ; no hn/ai-dous fade or occupation i\V. 'wed ib< lein ; isolated from all otiifU' i)u;!dings, and not having wooden j.^orchcs or cover- ed galleiics connecied wiih oilier buildings 5.^ No. 'i.— The snme when they adjoin lii'st class buildings G No. 3.— The same when thev aviioin ; - cond class buildings Qh No. 4. — T\\() same endanmned bv w^ood- en buildings, or porches, or C(jvered galleries csrd to risk from tirst or second cliiss buildings No. ;;.— Detached, but witlun from 40 to (^0 leet of w<,)oden buildings No. -l.— i->etached, but within from 25 to 40 l(H!t of wooden buildings Ni^. 5.-- Adjoining wooden buildings on 'onr. side, and within a short distance from tlie other ^ js^fj^ ().— A -. * 19 Per Cent. 8 to 10 2 to 3 Oi ^h 8 9 to 10 r> remiums. rot C^nt. ,„o„,.;„....Whon extra or doublv har.ard- ous ffowis are deposited m Ihe buiUl- inPS^ earthenware, eliiiia or glass- ware, or packages, hemp, flax, upon building and contents,. . ...••• • • • • A,V,//,,....When the goods insured con- sist of the stock ol retad dealers m earthenware, china, glassware.watch- .nakcrs' gold, or silversmiths' (]ewol. ■ lers' stocdv not included which IS spe- cial,) apothecaries', druggists, v]>on fou7tkhj.---\Vhen the goods insured con- sist of the stock of retail dealers m ' oil, tallow, ship chandlers, upon the _ tmildinfr and contents, • ^^ Vri///Vr--When the following traces or occupations are carried on, on build- inrr and contents *• , ^ 1 All retail shops, not before enume- ' rated, and boarding houses, also dye houses, ^ "i" V *i* ;« 2. Sail makers, (no tar to be heated m the premises,) printing othccs, hotels and taverns, bakers, blacksmiths, tm smiths, armourers, and other smiths, 3 f Confectioners, chymists,hat manuiac- ' tories, rope makers, (the tar house o be out of danger and not insured,) 4. Stables and barns, 5. Carpenters, joiners, cabinet makers, coopers, musical instrument makers, and all other workers in wood, at their workshop or manufactories, . 6. Houses and buildings under repair, or building where any wood work occasioning chip, and shavings is to 2 Ulo 2i 2 to 3^ I 3 2 to to 4 3 5 to 10 ] I S 1 5 to 6 1 to 2 20 made in the building's, or in any other by which it is eiKlangorcd, 7-^ to 15 7. Baildiniijs of stone or hriclv, haviiig the partitions and coilinirs of \v<>od, to bo oonjiklered as an isolated wood- en baiiding, No. 1, and pay accord- i'^igly 8. Jewellers' stock special. 9. Chm'chos, lowest rates of tlieir re- spective classes, excepting vvlien hav- ing spires, and unprotected with me- tallic liGjlitnincc conductors of sufli- ciont eilicacy, when the extra charge will be, 10. For every additional tenant under the same roof, in first and second class buildings, Do. every additional tenant under the same roof, in third and fourili class buildings, SPECIAL RATES. Grist mills worked by water, Saw mills, Carding mills, oil mills, kilns, nr^iit houses, clothers' works, paper mills, Nail factories worked by water, Tobacco manufactories and India rubber ditto, Breweries, (second class bailJings one quarter more than stone.) Distilleries 10 to 20 do. 15 to ao 10 to 2o do. Soap and can^lle manufactories, Tanneries, (second class buildings, one quarter more than stone,) Founderies, * do. ,......, do. . . , 10 to 20 15 tu 25 10 to 23 10 to 20 10 to 20 7i to 15 5 to 6 1 to 2 I 10 to 20 do. 15 to ao 10 to 2:* do. 10 to 20 15 tu 25 10 to 20 10 to 20 1 10 to 20 I w