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iMCRQCOTY RHOUJTION TKT CHAR 
 
 (ANSI and ISO TEST CHART No. 2) 
 
 A 
 
 ^ /APPLIED ItVMGE Ino 
 
 1653 East Main Street 
 
 RochMter. N«».York 14609 USA 
 
 (716/ 482 - 0300 - Phane 
 
 (*16) 7W-5989-Fm 
 
■ry:-,r,!Wr, ■-. 
 
PRO VINCI A L 
 
 INSURANCE COMPANY 
 
 OF TORONTO. 
 
 » > 
 
 . /■ 
 
 MAHIlSrii: DE3?A.RTMElsrT. 
 
 ^i 
 
 INSTKUCTIONS FOR *[ENTS, 
 
 H TORONTO, APRIL, 1808. 
 
 
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 TORONTO: 
 
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 ROWSELL d; ELLIS, PRINTERS, 
 
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ruoviNciAL insuiUnck company, 
 
 J OF TORONTO. 
 
 A- 
 
 ■ X 
 
 SUBSCRIBED CAMTAL, 11.987,680 ; PAID UP CAPITAI, 
 ^ 1420,266. \ 
 
 «. . ■ . \ ■ ■ . 
 
 raiaipiNT— J. S. IIOWAUD, Eng. \ 
 VlOI-PMIIfBIRT^lION. J. H. CAMEROl^. 
 — ♦— " 
 DIRECTORS. 
 
 aEOROB CRAWFORD, Ki<j. GKORQE DUflOAN, J«., EiQ. 
 
 HoM. J. II. CAMERON. Captain P. WALLACE. 
 
 A. M. CLARK, Esq., M.D. 1Io-». W. H. ROIUNSON. 
 
 W. L. I'ERRIN, Esq. J()MNCAMERON,E»q.,M.P.P. 
 
 J. 8. HOWARD, Esq. DUNCAN MAODONELL, Etq. 
 
 E. P. WFIITTEMORE, Enq. 
 
 Manaoier^Hon. J. LEANDER STARR. 
 A8«t8TANT SKOREtAIlY— J. JOSEPH WOODHOUSfi. £iq, 
 Bamkbbs— CITY BANK OF MONTREAL. 
 SotroitOHS-^lKHSKM. DUOOAN k HURNB. 
 lHjfcro'H or AoENciM—T. W. MEDLEY, E«Q. 
 
 HEAD OPPICE-Toront<wstreet, Toronto. 
 
 / 
 
 MONTREAI. LOCAL BOARD. 
 
 ALEXANDER MORRIS, Esq. 
 W, B. LAMBE, Esq. 
 lIo<j. L. RENAUD. 
 |}/HUDON, Esq. 
 AotST— J. LEANDER BRAULT, Esq. 
 
 ■ ♦ 
 
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 NEW YORK LOCAL BOABD. 
 
 Hon. M. S. BIDWELL,« . 
 
 . EDWARDM. ARCHIBALD, Esq. (British CoMol). 
 
 JOSEPH FOULKE, Esq. ■ 
 
 THOMAS RIONEY, Esq. 
 
 JOHN S. BARTLETT, M.D. , 
 Banki:es_THE BANK OF THE REPUBLIC, N.Y. 
 Pbotectivb AoKNt— A. W.. THOMPSON, Esq. 
 
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INiAND MAUINK 1N8UUAN(JK. 
 
 ProQtiuiat Jnouraiui (Soinpan}}. of Coronto. 
 
 INSTRUCTIONS FOR AOENTS^ 
 
 IN RELATION TO TIIK KFFECTINU OP IN8UIIANCR. 
 
 On application being mailo to any Agent of this Company 
 for the effecting of Marino InBuranco, the firnt duty of such 
 Agent will 1)0 to fill up an application for Insurance, Hotting 
 forth the nature of the risk and the amount to be insurtvl, 
 which he will cause to bo signed by tho Applicant; and if 
 there be nothing in tho proposed risk inconsistent with his ' 
 instructions, tho risk, if on Cargo or Freight, may ho accepted 
 at once, and on payment of tho premium a receipt may bo 
 issued, which will protect tho Applicant until the <h'livcry of 
 tho policy, which will bo iHsucd from tho head office. Hull 
 risks shall only be accepted by tho Agent conditionally, and 
 on interim receipt issued.* Tho'application should be at 
 onccf forwarded to tho head office; and should the application 
 bo approved, the policy will bo forwarded in return ; but if 
 rejected, tho Agent will bo immediately notified, and he will 
 at ^nco return tho premium and call in tho interim receipt. 
 
 When tho requisition has been properly filled, if you liavo 
 a sufficient knowledge of tho character and circumstances of 
 the, applicant, the value ^f tho property to bo insured, and 
 the nature of the voyngo to bo engaged in, you may at onco 
 proceed to consider thp rate of premium. If, on tJ^ contrary, • 
 tho applicant should bo of doubtful character, you will » 
 promptly reject tho application, as knaves in cvei'y instance . 
 should bo their own underwriters. Tho character of the 
 master for skill, sobriety, and -expcrionco in the particular 
 
 * Tho form of those roociptn oro nt page 21. 
 
 t Note.— TAe importance of thit promptitude on the part of Agents, in teeing 
 that the applications are received at the head office at the eauuest rossiPLl 
 MOMtm', cannot be too ttrongly urged'upon their attention. 
 
 
:/ 
 
 :■-'■,■ ' , :{ / '6-' " ./ ■ 
 
 branch of the navigation ho may ho employed in, the aea- 
 worthmess of the vessel, the nature of the voyage and the 
 season, are matters of the greatest importance, and. require 
 •your attentive consideration. No risk to bo- taken on vessels 
 not contained in the Registry of Lake Underwriters, unless 
 upon special application to, and permission from, the head 
 oflSce in Toronto. ' 
 
 Risks declined by experienced underWters are usually 
 offeaed to new Agents, who are too apt to be induced to take 
 them at high rates of premium: experience has shown that 
 no rate of premium that can be obtained is cquivaient to 
 suchrisks. • ^ 
 
 When the character of the applicant, the skill and compe- 
 tency of the master, the efiiciency of the crew, the ^ea- 
 .worthiness of the vessel, and the nature of the voyage have 
 been duly considered, and it has been deemed advisable to 
 accept the adventure, the nextconsideration will be to deter;, 
 mine the rate of premium, and as this is of the most vital 
 importance, and upon which the prosperity of the Company 
 and the stability of the institution depend, you will not decide 
 the question of premium without that due consideration which 
 its importance demands: in Fire or Life Assurance, Tables 
 and Tariffs of Rates have been established, which, with a 
 little skill and practice, will enable the Agent to apply with 
 Buccess under every variation of circumstance ; but in Marine 
 Assurance the adventures are so various, and the circurn- 
 stances attending each risk differing from each other fre- 
 quently in essential particulars, that much must be left to the 
 skill, intelligence, and practical experience of the Agent. 
 At the end of this work will be found Tariffs predicated upon 
 the most reliable data, and compiled by gentlemen of the 
 most extensive experience; you will, therefore, in determining 
 the rate, consult those Tariffs, and such other Tables of Rates 
 as may from time to time be transmitted to you from this 
 office ; and although it is understood they may not imariahly 
 be enforced, yet it is not expected that they will' lightly be 
 departed from, but that you will conform to them on ev6ry 
 occasion where you are not prepared to. offer a satisfactory 
 reason for departing from them. 
 
The requisition, when properly numbered, sigtied, and filled 
 in as above dc8cribed,'i8 to bo forwarded to this (Jffico by the 
 first mail aftbr the risk has been taken, that it may be duly 
 recorded ; and in corresponding with this office upon the 
 subject of any application, you will please always state the 
 number of it and the name of the assured. 
 
 The Agent is not to make any average, cither general or 
 particular, as representative of the Company; but he will 
 forward all tha papers, when duly checked and certified, with 
 the dates ofjj^ir presentation, to the head office without 
 delay. The necessity of those documents will appear evident 
 upon" considering the modes by which such losses arc to bo 
 adjusted: they hiive been thus defined by the best author 
 ■ itics:- — ■ /" :--■ , • ^. 
 
 "As clearness and precision are necessary upon ail'subiccts. 
 and more especially upon this, it will be proper to observe J.hal 
 when Ave speak of thoundcrwriter bcinp liable to. pay, wheHier 
 lor total or partial losses, it must be always understood' that thcv 
 are liable only in proportion to the sums which Uiey liave under- 
 written. Thws, if a man underwrites one Iknidrecl poands' 
 upon property vakied five hundred pounds, and total loss bap- 
 pen, he shall be answerable .fpr one hundred pounds and no 
 niore, that being the amount of his subscription : if only a nar- 
 tial loss amounting to sixty or seventy pounds ^.cr cc4 upon 
 the whole- value, he s mil pay sixty or seventy pounds, being 
 his proportion of the ioss."-Farke's System of Law of Marine 
 insurances. 
 
 "The value upon xvhich the premium is paid is, as between 
 the assured, and underwriter, the sole value to be regarded in 
 estimating the amount of the underwriter's liability- he navs 
 no loss upon that for which he receives no premium; If o-oods 
 which have been,insured for £500 would have realized in the 
 market to vvhich they were being sent £1,. 500, but for the 
 occurrence of a particular average loss, which prevents them 
 from selling for morei than £1,200, it is plain that these goods 
 have been deteriorated to the extent of £m), or one-fifth 
 of the yalu(i they would otherwise have realized: the under- 
 writer, m such case, vs not bound to repay the assured £300. 
 or the whole amount of the actual loss sustained, butonlv£100 
 or a fifth part of the sum for which the goods were inisured :' 
 that IS, he IS bound to pay the assured the same proportion of 
 the sum insured, as the damage may have deducted from the 
 , value „they would otherwise have real i zed. "-^n,o?d'8 Treatise 
 mi the Law of Marine Insurance and Average. 
 There arb certain rules and restrictions which it will b© 
 
 * 
 
 ■■'a 
 
8 
 
 y 
 
 well to state before giving the Tariff of Rates; and from these 
 the Agent should riot deviate without the sanction Of the 
 head otDce, on spceial application made thereto. 
 
 The whole value of the vessel must be declared- the data 
 for the adjustment of average losses. 
 
 Open policies can only bo granted in «pe(??a^ cases, as they 
 are not deemed desirable, and no Agent can accept such an 
 application. These, when mode, must be referred to the 
 head ofl^ce' for decision. . 
 
 The maximum proportion of insurance on hulls, including 
 any insui'ance with this office, shall in no case exceed two- 
 thirds of the valuation, except on first-class vessels, on which 
 thrcle-fourtbs may be permitted. 
 
 The limit of insurance with this office oh hull risks shall 
 be, on A 1 steam-vessels, $6,000; and on other steamers, 
 propellers, and sail-vcssclS, $5,000; which limit shall in no 
 case bo exceeded unless by the express sanction (in a,ny 
 special case referred to him) of the head office ; and no hull 
 risk shall be taken bn any vess9l classed under B 1 without 
 like special permission. * ^ 
 
 No vessel insured under a general hull policy shall engage 
 in the lumber business on the shores of Lakes Huron and 
 Michigan without special permission from the Company. 
 
 The rates to be calculated on American measurement. 
 
 LIl 
 
 \ 
 
 :i$S OF SEASON RISKS, &c. 
 
 The attention oj Agenp is specially directed to the following 
 recent decision^ of the Board of Directors. 
 
 "No risks on steamers and propellers /to be taken on 
 Lake Superior or Lake Michigan later than the 1st of 
 November, but that they may be taken on select vessels to 
 the 30th of NovenEiber on Lakes Erie, Huron and Ontario 
 but no sailing vessel later than the 15th of November on 
 Lakes above Ontario; and on Lakes Superior and Michigan 
 not later than the first of November." 
 
LOSS OR DAMAGE ON VESSELS. V 
 
 When vessels are in distress and driven on sliore in the 
 neighbourhood of the port wlicre the Agent resides, he will 
 oflGor to the roaster such services as the nature of the case 
 may require; and in case of shipwrecks, where neither the 
 owners of the vessel or goods, nor their representative, arc 
 on the spot, the Agent is to take such steps as he may dqcHf 
 best for the pre^servatipn of the property. -< 
 
 REPAIRS OF VESSELS. ' 
 
 The Agent will see that intelligent, ^and, if practicable, 
 professional men, are appQin ted Surveyors; and that in their 
 survey and estimate tliey distinguisji, as'.far as possible, 
 between the damage sustained during the voyage on which 
 the vessel is actually engaged, and the damage and defects 
 existing, prior thereto, and which are chargeable to the 
 owners ; and in case she cannot be repaired so as to proceed^ 
 and het condemnation becomes unavoidable, it will then be 
 his duty carefully to investigate whether the eondemnation 
 is occasioned by any natural defect or decay, and whether jor 
 not the disaster was occasioned b/ the want of sufficient 
 anchors and cables, or other necessary stbrcs.^ 
 
 In all cases of particular average upon vessels where 
 repairs have been made, a deduction of one-third will be 
 made as the difference between new and old, unless the vessel 
 be less than one year old; such deductions being in accjS-d- 
 ance with the invariable practice both in England, and the 
 United States. ' - X 
 
 \ 
 
 COMPENSATION. 
 
 You will be allowed to deduct and retain for your own use 
 out of any premiuips you may receive on behalf of the Com- 
 pany a commission of 5 per cent, on the gross amount paid 
 to you in cash for premiums, and 5 per cent, of the premium 
 notes when the same become due and are paid, and 10 
 
 .^m--' 
 
 U 
 
. per (oent^ in addition on the net profits of your Agency, as 
 y ascertained after the expiration of each year, ending Slst 
 Decembicr. , / 
 
 VFho Policy fee of fivo shillings each may be charged oh 
 each Policy of Marino Assurance (if such charge is customary 
 and usual at the port at which you reside, but pot otherwise), 
 and it may be retained by you; but, except for specific 
 expenses authorised by the Company, no further deduction is 
 to be made from the money that may come into your hands 
 on the Company's account. You will, however, be held 
 harmless, and it is hereby understood that you are not in any 
 ~ manner liable, answerable, or accountable for or on account 
 of any insurance to be made by you; or for any other act 
 or acts to bo done by you under, or by, virtue, or in pursu- 
 ance of the authority granted -to yoi^ by the Company; and 
 that you will be indemnified and saved harmless by the 
 Company from and against all costs, charges, expenses and 
 losses, and damage whatsoever which you may sustain in 
 Consequence of the performance of your duty as such Agent, 
 pursuant to the instructions contained herein, or Tnhich you 
 may from time to° time receive from the head office. 
 
 !■. •■ 
 
 ACCOUNTS. 
 
 You will make out your accounts with the Company on the-, 
 first of each month, and transmit the sjimc within the first 
 week of the month to the head office in Toronto, together 
 (in all cases) with a remittance of the precise balance ; and 
 you will, at the same time, transmit the premium notes 
 then held by you. 
 
 ^ Xhe following is an extract from the minutes of the last 
 meeting of the Convention of Lake Underwriters, viz. :— 
 
 Resolvfed, that when promissory notes are taken for premiums 
 on bulls, the credit or timvshallinotcxtend beyond four months; 
 and if the loss be made payable to another party, such payee 
 shall guarantee the payment of the^premium note before the -^ 
 policy attaches to the risk; or when perriiission is asked to 
 assign the policy, the assignee shall guarantee thtf payment of 
 th6 note before the assent is given. Further, • 
 
 ■ i 
 
11 
 
 Resolved, that all premium notes on policies for the season, 
 or portions df the season, slmll mature by or before the first day 
 of November of tliat season, 
 
 No premium notes aro taken except on insurance on huth, 
 and all other premiums aro payable in cash on delivery of 
 the interim receipt. * 
 
 CONVENTION OF LAKE UNDERWRITERS 
 
 • AT BUFPAtO, FEBRUARY, 1858. 
 
 Rules and Regulations adopted by the former meetings, 
 that da not conflict with the proceedings of this, are re- 
 adopted and incorporated into the proceedings of this 
 Association for 1858. 
 
 HULL RATES FOR SAIL VESSELS. 
 
 :\ • 
 
 
 FOR THE BIASON 
 
 1. A 
 
 A 2. 
 
 B 1. 
 
 B2. 
 
 ci. 
 
 
 Leas than 200 tons, 
 
 6 pr. ct. 
 
 6J pr. ct. 
 
 7 pr. ct. 
 
 SJpr.ct. 
 
 10 pr. 
 
 ct. 
 
 From 200 to 300 tons 
 
 ? pr. ct. 
 
 li pr. ct. 
 
 8pr. ot. 
 
 9 pr. ct. 
 
 n pr. 
 
 ct. 
 
 From 300 to 400 tons, 
 
 8 pr. ct. 
 
 8J pr. ot. 
 
 p*. ct. 
 
 10 pr. ct. 
 
 12 pr. 
 
 ct. 
 
 Upwards of 400 tons, 
 
 8} pr. ct. 
 
 9 pr. ct. 
 
 10 pr. ct. 
 
 12 pr. ct. 
 
 15 pr. 
 
 ct. 
 
 For the year add ^ per cent, to the above rates. 
 
 Vessels in the lumber trade on the east shore and ports 
 of Lake Michigan, (Graind, Traverse Bay excepted,') and east 
 shore of Lake Huron, to pay 2 per cent, additional. 
 
 ■ i 
 
 . . *..,.■■ ■.'■■■■ .. -■ ■ ■ 
 
 HULL RATES FOR STEAM VESSELS 
 
 FOR TUB SKASON. ' A. B. 
 
 Less than 450 tons............... i3 per ct. ' 9 per ct. 
 
 Over 450 and less than 600 ton's,... 9 per ct, 10 perct. 
 Over 600 tons, lOperct. llperct. 
 
 * 
 
 C. 
 
 l&per ct. 
 ITperct. 
 20 per ot. 
 
 For the year add 1 per cent, to above rates. 
 
 For passengers and mail steamers and first class propel- 
 
,w-.- 
 
 12 
 
 ♦ ' 
 
 ler8, navigating Lake Ontario only, to Ogdonaburgh, deduct 
 10 per cent, from above rates. 
 
 SHORT RATES TO NOVEMBER 80. 
 
 April having expired deduct from above rates.... 10 per oaot. 
 
 Mity having expired deduct from above rates..., 20 per cent. 
 
 June having expired tlediict from above rates 25 per cent. 
 
 July having expired di'duct from above rates. 30 per cent. 
 
 Aug. having expired deduct fro* above rates;. .,.....'35 per cent, 
 
 Sept. , having expired deduct from above rates ...45 per cent. 
 
 Oct. having expired deduct from above rates 66 per cent. 
 
 If "the month in which application i.<j made, bo partially 
 expired, no doduMiQJM)»«U-bcraado therefor. ' 
 
 Season from April Ist, noon, to November 80th, noon, on 
 Lakes Michigan, Iluroh, St. Clair, Erie, Ontario and River 
 St. Lawrence to Montreal. 
 
 Hull ri.sk on Lake Superior to terminate .November 20th, 
 but maybe extended to Noyember 25th for 2 per cent, 
 additional. 
 
 The ma.ximum proportion of insurance on hulls, shall be 
 
 two-thirds of the valuation on Vessels valued at ^5,000 and 
 
 under \ three-fourths o|i vessels valued over ^5,000 and less 
 
 "than $10,000 ; and four-fifths on vessels valued at |10,000 
 
 and overT^ 
 
 Four monthsshallL bo the longest time for credits on pre- 
 miums for hulls, and nOtea. for premiums on huH policies, 
 for tlfe season or parts of seasdny^ghpll mature on or before 
 the Ist day of November of that Scaaon,-«nd no extra allow- 
 ance by way of discount, shall in any case be made. 
 Rates of particular average on vessels classed A 1 and 2 not less than >pe|-ct. 
 Rates of particular average on vessels classed B 1 and 2 not less than 7 «• 
 Rates of particular average on vessels classca C 1 and 2 not less than 10 " 
 
 PRODUCE CARGO RATES. 
 
 Shipped on A*l Vessels... ...deduct 6 per cent, from standard rates. 
 
 Shipped on A 2 Vessels. .....charge standard rate. 
 
 Shipped on B 1 Vessels .charge same rate. 
 
 Shipped on B 2 Vessels .....add 6 per cent, to standard rate. 
 Shipped on 1 Vessels..... .add 10 per cent, to standard rate. 
 
"■■:. M: 
 
 Dduct 
 
 ially 
 
 
 > on 
 
 
 iver 
 
 
 0th, 
 
 
 cnt. ^ 
 
 
 Ibe 
 and 
 
 less • • 
 000 
 
 
 pre- 
 ics, 
 'or© 
 ow- 
 
 rct. 
 
 ••18 ■ :■•■.;.■ 
 
 EXTENSIONS. ' 
 
 Sail and steam vcrsoIs loaded and ready to nail from 
 ports on one lake, to ports on another lake, on or before the 
 20th November, at o'clock P. M., may- have five days 
 extension ; and if from one port to another port on the same 
 lake, if loaded and ready to Sail before November 26th, at 
 6 o'clock P. M., may have an extension of five days. 
 
 Two per cent, shall be paid for extension. 
 
 Fire insurance for the winter on yearly hull policies, 
 covers the equipments on board the vessel only— if removed, 
 an additional premium to bo charged" thereon. TT 
 
 No vessels shall load with Kail Road Iron, Pig Metal, 
 Stone, Ores or Marble, wholly, beyond her registered or 
 American Custom House tonnage measurement, but if half, ' 
 or less than half of her tonnage be laden with above articles, 
 her lading shall not exceed her tonnage more than twenty per 
 cent., or, if Canadian measurement, fifty per cent. 
 
 Vessels laden with grain cargoes, in bulk, shall be provid- 
 ed with good and suflScicnt shifting boards, properly and 
 securely put in their place. 
 
 Each Company^elonging to this Board shall insert in 
 their policies, a clause making it obligatory upon vessels 
 laden with gra^n, to have good and sufficient siiiftinq boauds 
 to prevent the cargo from shifting, and thereby endangering . 
 the vessel aijd cargo. 
 
 Th€> general powers and duties of the Inspectors arc de- 
 fined as follows : 
 
 1st. To make surveys an^ inspection of all vessels being 
 built or moored in their respective beats, and to report 
 weekly to the' Secretary. 
 
 2d. They shall examine and inspect all vessels that come 
 ixitotheir respective beats during the navigation season, as 
 faras-pQssiblc, and report as set forth. 
 
 3d. WhenQver a disaster occurs in the beat of any In- 
 spector, he shall >ep^tO the spot in person, if possible ; if 
 not he shall send a competent man, and notify the Company 
 or Companies of the Board,^fem^ risks on said vessel^ and 
 
 .;i 
 
 ■i 
 
/; - 
 
 
 ,14 . \ 
 
 ho Bhall keop cIobo Buporvision of tho whole proportyj and 
 rondor fluch aid as ho can, until the Oompanf/ having the 
 riak can send ita own wreekera. Ilq shall enquire into the 
 circumstances of the loss and the management of the master, 
 and report to the Company or Companies having the risk, if 
 he think it will conduce to thoir interest. The Companies to 
 furnish each Inspector with a list of its hull risks as taken, 
 which they shall hold as confidential from all persona. 
 
 If casualty happen in tho adjacent )beat of any Inspector, 
 ho hearing thereof first, shall telegraph the proper Inspector, 
 and ho shall proceed and render the same assistance as if in 
 his own beat, until relioved by tho proper Inspector. 
 
 Tho expenses of tho salvage, and expenses of the Inspector 
 and his time, at the rate of five dollars per day, on such 
 oocjision, shall be charged on the property, and he shall give 
 the board credit on his salary for what ho so receives on l^is 
 time. 
 
 The expense and time of tho substitute, if any, to be charg- 
 ed by the party, and by him collected on tho property, if 
 practicable ; otherwise from the Companies having the several 
 risks. 
 
 No Inspector of this Board shall act as an agent for any 
 Company, or in any manner influence or solicit business for 
 any Cdmpany. 
 
 No Company shall be authorised to change the classifica- 
 tion of a vessel on its register, except on the report and 
 authority of the Secretary, and that the rato of the vessel 
 and the rate of the cargo, shall be the rate fixed by the tariff 
 founded on the classification by the Inspector of the Board. 
 
 Agents, shippers^ and all other, persons who hold open 
 policies of any Company of this Board, shall not directly nor 
 indirectly insure any freight, cargo or property, eiicept by 
 the classification and rate specified. 
 
 Tlie Megisters of the Board shall be placed only in the 
 hands of Agents, who shall not expose nor permit them to be 
 copied, nor furnish copies; but they shall be regarded a$ 
 Strictly confidential, except in reply to their customers wishing 
 to learn for a paj^icular shipment* 
 
 Ky 
 
 OQ: 
 
 QD: 
 
 H: 
 
 H 
 
 < 
 EH 
 
 W 
 
 
 u 
 
 
 
15 
 
 _^ .i--_.^..j 
 
 _ - . V . 
 
16 
 
 L 
 
 FROM CANADIAN PORTS ON LAKE ERIE TOBUF- 
 
 FALO OR ANY AMKRIOAN PORT ON LAKE 
 
 ERIE, AND VICE VERSA. 
 
 From ports oast of Long Point, namo ratoi as from Clovo- 
 lund to Ruflalo, and vice vcrBii. 
 
 From port* west of Long Point, lamo ri^tog ui from Toledo 
 to Buflulo, and vice voraa. 
 
 If loaded off shore add ^ por cdnt. 
 
 TO PORTS ON LAKE ONTARIO. 
 Fronr]ibrt> on other Lakes to ports on Lake Ontario, via 
 Wdland Canal, add to the rates to Buffalo, as follows : 
 To porn not below KingRton or Capo VinCoDt, fof April, add f n«r o«Dt 
 
 From May Igt to September I4th, add......^,. j .. • 
 
 " Ssptembcr Ifitb to October 3lHt^ odd... ^, » .1 
 
 " ^ November Ist to November 80tb, add .T^T^.... 1 •• 
 
 Add/«rM«r to Ogdcnsbiirgh,..,.. „... 1 it 
 
 Or i per cent, if ^0 Montreal by Cabals. 
 
 > 
 
 .-.^ 
 
 FROM L. MICHIGAN via COLLINGWOOD ROUTE. 
 
 To ports on Lake Ontario, not below Kingston and Cape 
 Vincent, and vice versa, same as rates between Lake Michi- 
 gan and Buffalo. 
 
 If to Toronto, oiily deduct J per cent. 
 
 Same addition as above (J or J per cent. ) to Ogdensburg 
 or Montreal. 
 
 LAKE SUPERIOR CARGO RATES. 
 
 Same as the rates from Ljike Michigan to Lake .Erie, if 
 not beyond La Pointc. ' ♦ 
 
 Add J per cent, from La Pointe to Superior. If to the 
 north of Isle Royale, add 1 per cent. 
 
 Iron and Copper Ores, in bulk or barrels, same rates as 
 Grain. 
 
 If to or from Detroit only/ deduct | per cent. . 
 From Lake ports to New York, for Grain, add.... J per. cent. 
 Fo]^ Rolling Freight, add......... | 
 
 « 
 
K 
 
 17 
 
 CARGO AVERAGES. 
 
 Particular average on Grain, 10 por cent. 
 
 Silt,.»....... 20 per cent. 
 
 (I 
 
 u 
 
 t( 
 
 LAKli: ONTARIO. 
 
 Tariff of Cargo Ilatca oommenoinK aod 
 ttrminatlog at porU on LAKH ONTARIO 
 for itoam and mil Ttaacla, olaiaod A 2 
 and n 1. For A 1 TMaelR deduct 6 por 
 oeot. ; for D 2 add per cent. ; for C 1 
 add 10 par oant to thia Tariff.... 
 
 From and to any port on Lake Ontario, woal 
 of Uoneioe lUvqr and Cubourg, and vice 
 toraa. From and to any port oo Lalte 
 Ontario, eait of Ueueaeo KiTer aod Co 
 bourg, and vice Tersa ■', ,..^ 
 
 I 
 
 From porta abOTe to porta abore the line 
 of Ooneiee RiTer and Cobourg, and vice 
 
 veraa. 
 
 B 
 < 
 
 S' 
 
 
 i 
 
 i 
 
 3;! 
 
 CI CO 
 
 ii 
 
 * J 
 
 li 
 
 
 it 
 
 
 I 
 
 II 
 
 I 
 
 3 
 
 U 
 
 To Ogdonsburgh J per cent, additional, and to Montreal 
 by Canals, J per cent. 
 
 First Class— Grain, Salt, Seed, Sugar, Cement, Plaster, 
 Coal, and other like articles. , i 
 
 Second Class— Flour, Provisions, and other rolling freight 
 • Wool and Lumber. , , \ 
 
 Railroad Iron, Pig Iron, Marble, Stone and Ores, same 
 rates as Grain in same vessels. \. ^^ 
 
 Deck Rates. — Rates of premium on cargoes shipped upon 
 decks of sailing vessels are, for the months of April, Septem- 
 ber, October, Nov., three titles the under de(;k rates ; and 
 . for the months of May, June, July and August, double the 
 amount of under deck rates. Deck cargoes on sailing vessels 
 insured against total loss of packages only; the minimum 
 rate of loss^ to make a claim, shall be ten per cent., except 
 iialt, which shall be twenty per cent, of the whole value 
 insured on deck. Apd in all cases on deck risks, to be free 
 from damage by wet, breakage, leakage or etposure. 
 
 ,^ 
 
./ '*■ 
 
 H s-r 
 
 L-^--^^ 
 
 ^: 
 
 -^' 
 
 i 
 
 It 
 
 M£ii(JlIANDI9E 
 oof 
 
 li\mrltm rfay* /rom fiKW YORK to bt allowti 
 to ttaek Ikt tkwpmij plart nn Iht l.ak*, nftpling 
 tin Kn* RaU Ko«d to Dunkirk, and via Kri* Rati 
 komd to Ji^faio, whm thru dig* onlg art to tn 
 
 LAKE CRIU. 
 
 md, MMt M tk« OiBkl* 
 
 ANIlMAItJ 
 
 nMNM OR TNI 
 
 
 I 
 
 from RufTAL* or liuniim in nl 
 
 lm»t Kru, not «>rt ol Clndm 
 
 •III*, nut ««iil of /W Utnlf 
 frnm liurrtui »r Oumiii to plans od th« Huiilli altlo nf 
 
 //ui< X'tr, wMt of rlumJantl, *u<l not wnat of Iktnm 
 
 •nit to |ilac»( uii III* 0»niil* Alia not wmtl of H'lmlwr.... 
 
 IJUCB HUSOW. 
 Vrom HvrrtMi «r l)ij> M «K to pluMm iHiTrnul IMroti, ind tii 
 
 fil•ral* lint twyad&PK /i(<in<< «/ MarktiMw, on tlm IIiiIUhI 
 t«Ut« nldv. iknlpt Itw ('(iiad* hIiIk North of Wlnilanr, ■nil 
 
 But lnyoiiJ t«p<r H<^ 
 
 rrom |lurri||»or DuMwi to tilamion lb* Om*4« tlikiof 
 Xoilra IIUAM, north of fli|M llur<i, iDil to pltara liatWMO 
 ttatkiiMVi tnil AiuU W. MarU, iDcludloK AbuU M. Marit.. 
 
 LAKH MIOHIOAN. 
 froDi OuvfiiLa or UvNliit to ulnoui baironil Ibn Ittand i\f 
 
 Matkinam, and to plooM not bryonU tba Buuthvrn (nil of 
 
 tiffn Hay 
 
 rran BvrrAU) or Du«iim to tlUwauket, Chicago, onil othor 
 
 pUoM on tlm WMt ltd* of /,<i*« UitMgam 
 
 from BorrAU) nr UuNliiiK to Michigan Otty, and othvr pi 
 
 on Um Kait lida otlake Michigan ,......, 
 
 LAKB nmSRIOB. 
 from BotVALO or Donuii to placM bojrond MauU A, l/lirir, 
 and to plant* nn th* Houth nlda of l.akt Suptrior, ' 
 bvvond tha (Mliinagon Hivtr.. 
 " dknt 
 
 mmi ■ 
 
 I Hvrr«u>orDviniikK topla<«iioQ tliw North 
 lUtptriiir, and l>^|MI ">• Ontonagon Hivfr 
 
 f nun CLaVKi. A n d to plaoni on tbo Houtb ilde of 
 not Iwyoiid Dntnnagan Hivtr j 
 
 from placa* W««t orCuviuND, und not Wert -. ....,„.,, », 
 pl*aui on th« Death •Idu at l,idct Superior, not beyond the 
 Ontonagon Hirtr 
 
 from Savlt 8t. Mark to plncra on the itonth ildo of Lakt 
 Superior, not tiajrond th« Ontonagon Hivtr 
 
 from plar«* on f.AKa MiciiiaAM, Iwyond ths Ronthivrn nndof 
 Grtrn /lay. lo plarei on tlio 8outh pida of Lakt Suptriot 
 Mi\MJomAt:tioOnU>nagonHixtr „.., ' 
 
 ,f ZJkKB ONTARIO-<OoBtina«4). 
 
 KItkiiJ'eonnaelcd with lakt trit or tha upper I^koi wlili-|i 
 
 >^iiKP''>l>^ HUbfurf Omfjiand /.<iit« Oiiiiirio(wltb or 
 
 wl(Ml4t«PP>BK at Buffalo), an addlUonal pramlum to N 
 
 ■dMHoTbo kbora tabia of ntca dariog tb« whole leaaon 
 
 ftem on* plaoe on Lakt Ontario to another on iama' Liiiie! 
 ineludlng plM«a on the nWbmf Omal, between Laktt On 
 
 from NiW You and Boaron to UoitnMti pdij Tie* Veri'i 
 
 tU Uika Ohamplain and Ballroad and Caiyalfi .....'. , 
 
 do. Quuic, do. . do. i........ 
 
 do. OaDtNMDMR, do. ' dor^ .... i 
 
 The preceding dates to be calculated from the day of lear 
 ing the a hipping port s on th e Lak es . GoodB going from 
 
'M 
 
 
 , ■ 0' 
 
 \ ^If . 
 
 *. 
 
 Ntw York, fourteen daya to b« allowetl to r«ttch ih« Hhipping 
 
 pUoo on the Lakoa, excepting by lUilroftcl to Dunkirk, linf' 
 
 /alo or Cap* Viwtnt, when three tUya only are to bo allowod. 
 
 Qoods on deck, by HitiliiiK vcaiMlfl on the I«akoH, not to h« 
 covered by tbu PoUoy, unleim doublu raten in the roontbn of 
 May, Juno, July and Auguiit ih paid tberfon, «n<l in Maroh>^ 
 April, Boptembor, October and NovcmbiMr, treble ratet; and 
 in all oaaoi, on deck riaka, to bo freu frcMn dnmago by wet| 
 breakage, leakage or oxpoRuro, S 
 
 Uiaka back from the l^akea and Iliiir»,|^lng by railroada, 
 waggotia, oanaln, or re-shipped by boat* on the river, to be 
 charged not Iuhh than ^ per cent, additional to the rate for 
 the U8U»1 Lake artd River landing place. # 
 
 From New York to Buffalo, Ofwego, Cap§ Vincent, con- 
 nected with the Lake riska, ^ per cent, additional premium 
 to the preceding Table of Kates ; if not conneeted with Lake 
 ri^ka, ^ per cent. 
 
 From New York to Dunkirk, it not conneoiad with a Lake 
 risk, ^ per cent, via the Eric Railroad ; but wlMn connected 
 with a Lake risk, | per cent., in addition to the preceding 
 Table of Bates. 
 
 Risks of Lighterage for more than two milps from the 
 vessel may bo taken free of charge. If over twc^iles, f per 
 cent, extra premium t6.be charged. 
 
 / 
 
 LAKE ERIE RISKS, CONTINUING AND GOING 
 ^4 INTO THE INTERIOR. 
 
 From any place of discharge on Lake Erie to anj place to 
 Ohio for the inland risk, not less than \ per cent. 
 
 From any place of discharge On Lake Erie to any place in 
 Indiana, not via the Ohio River, not less than \ per cent. 
 
 Fr^n any place passing down the Canal in Jndtana, and 
 thence to any place in lUinoity not less than | per cent. 
 
 From any place by,the Southoii Riulroad, and waggons to 
 any place in Michigan or Illinois, not less than f percent. 
 
 Ffom any place by the Central Railroad, and waggRns to 
 any place in Miih^m ot IwHanOj not less than ^ p<^r cent. 
 
 # 
 
 \ 
 
 f 
 
 ■j&,.f 
 
 x,A 
 
 ■^'P 
 
 "::C^,. 
 
.; ;20' ■";-; .' 
 
 From any place hj the Central or Southern Railroad to 
 any place in i/finoM on the line of said Road not beyond 
 Y7At6-a<70, not less than ^ per cent. 
 
 Risk on the Ohio Canal, for a part or the whole distance, 
 not less than |- per cent. 
 
 Risks on the Miami Canal, for a part or the whole dis- 
 tanco, not less than ^ per cent.. 
 
 Risks on the Indiana Canal, for a part or the whole dis- 
 tance, not less thaiif ^ per cent. 
 
 Risks on the Illinoif Canal, for a part or the whole distance, 
 not, less than ^ per cent. ' . > 
 
 By order of the Board of Directors, 
 
 J. LEANDER STARR, 
 
 ToR6N«.; 1st Apnl, 1858. ^'^'" ^ ^cre^a;^. 
 
 ■^ 
 
 % 
 
 «i' 
 
 m 
 
 Vr 
 
 ■*', 
 
21 
 
 Did to 
 lyond 
 
 anco, 
 
 » dis- 
 
 9 dis- 
 
 ancc. 
 
 idry. 
 
 '% 
 
 V', 
 
 ^., 
 
 (Form of Receipt to be given by Agent on Cargo and Preight Risks.) 
 PROVINCIAL INSURANCE COMPANY, 
 
 or TORONTO, CANADA. 
 
 Agency, No. 
 
 Received from the sum of 
 
 mium of Insurance upon 8 assured to 
 
 (Date.) 
 being the Prc- 
 on 
 
 as described in ^ Application, dated and num- 
 
 bered with the understanding that a Policy wiil be 
 
 granted in the usual form, so soon as the same shall be received 
 from the Head Office in Toronto, and which shall be delivered 
 to the Insured in lieu of this receipt. In the interim this 
 Receipt shall be consideVed binding. No risk shall in any 
 case attach until the actual payrqent of the Premium. 
 
 Premium, $ _ . _i^_i : __J .'■ :■ : 
 
 Policy... / (Signature), 
 
 .. ■ Agent. 
 
 rm of Receipt to be given by Agents on Risks oh Hulls,) 
 PROVINCIAL INSURANCE COMPANY, 
 
 OF TORONTOr CANADA. 
 
 Agency, No. < 
 
 Received from the sum of 
 
 mium of Insurance upon $y assured to 
 
 (Date.) 
 being the Pre- 
 on 
 
 as described in Application, dated and num- 
 
 bered with the' understanding that if said application 
 
 be approved of at the Head Office in Toronto, a Policy will be 
 granted in the usual form, but if rejected, then this Receipt 
 shall onlv be GonsidSred binding until the party is notified in 
 writing o\ said rejection. No risk shall in any case attach until 
 the Premium Note is deKvered to the Agent. 
 Premium, $ 
 
 Policy... (Signature), ^ 
 
 ■ ..■.'■,'•■■ ■-■' .', Agent. 
 
 ' (Form of Premium Note.) • 
 
 ■■■$': (Dftte.) 
 
 months after date ■ promise to pay to the 
 
 order of the Provincial Insurance Company of Toronto, at 
 the sum of for value received. 
 
 ' (Signature.) 
 
 Policy, No. V 6 y 
 
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