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MlC«OCOrY BBOlUTIOfl TBT CHART 
 
 (ANSI and ISCV TEST CHART No. 2) 
 
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 >1PPLIED IK/MGE I. 
 
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 1653 East Main Street 
 
 Rochester, New York 14609 USA '- 
 
 (716) 482 -^0300 -Phone 
 
 (716) 288 - 5989 - Fox .» 
 
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 [EASIIiSIl OUTAOA BaANCH.1 
 
 LANCASHIRE 
 
 INSURANCE COMPANY. 
 
 INSTRUCTIONS TO AGENT'S. 
 
 ™: — — — . 
 
 FIRE DEPARTMENT. 
 
 *-« 
 
 PRIVATE. 
 
 A 
 
 .#■■ 
 
 TORONTO, C.W. : 
 
 PRINTED AT THE GLOBE 8 tE AH JOB OFFICE, KINO STREET WEST 
 
 1864. 
 
^^ '-^.-K.. lltfS^n^^^'' 
 
 > 
 
 Montreal, 
 
 To. 
 
 Dear Sir/ 
 I have the pleasure to inform you that yo>u have been appointed 
 
 Sub-Agent for this Company in. 
 
 Before commencing the business of your Agency, I would urge 
 upon you the necessity of carefully studying the Instructions nnd 
 Table of Bates annexed, and I would impress upon you the absolute 
 «ecM«7y of your strict adherence thereto. ^ 
 
 ^t w;ill be for the mutual interest of yourself and the Company 
 that OS large a business as can safely and soundly be done should 
 result from your exertions, and, with confidence that all the means 
 which your energy and influence command will be exerted towards 
 this end, ' 
 
 I remain. 
 
 Yours faithfully, 
 
 
 Chief Agent E.C. 
 
 wv^ 
 
id 
 
 te 
 
 Id 
 
 IS 
 
 is 
 
 > 
 
 INSTRUCTIONS FO AOEN PS. 
 
 .The following Bules will Horvo as your giiido in oarry- 
 inj; on your Agency, und aro tVuniod with tho view of 
 obviating constant refcivuco to tho Chief Office for instruc- 
 tions :— . 
 
 CHARACTEU Ol*^ APPLICANTS. 
 
 You will guard against accepting jiroposals from per- 
 sons of doubtful character, and those for insuraiice on 
 propeHy in th© occupation of disreputable tenants. 
 
 Other considerations, hucIi ^is the pecuniary embar- 
 rassment of the applicant, a disposition to overvalue \^h 
 property, risk from threats or from proba,ble designs 
 on the part of enemiew of tho applicant, and any other 
 peculiar conditions which may commend themstilves to 
 you as worthy to ii^uence you in accepting or declining, 
 comipand your rigid scrutiny. 
 
 APPLICATIONS FOR INSURANCE a 
 
 Must be written on the printed forms furnished by the 
 Chief Oflfi<5e at Montreal. You will, before granting an 
 Interim Receipt, see that every que&tion in the Form is 
 fully and fairly answered,^ and that a complete, clear and 
 distinct diagram of thB building proposed^ for insurance, 
 or in whi(A property proposed for insurance is placed, is 
 sketched on the back thereof. 
 
 You will personally, thoroughly examine the conditicps 
 of all property oflfered for insurance, and will not commit 
 such examination to a sub-agent or assistant. 
 
 ■■■£■'■ 
 
™" -r- 
 
 .1 ■ 
 
 ^^. 
 
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 I- ■ -,■»:■ 
 
 Tou will mark woll the condition of tho buildings, the 
 riskft to which thoy aro oxposod from without aa woll. jih 
 from within, tluur contiguity to other buildiugH, and their 
 riwkH therofroni. ' \ 
 
 You will porHonally verify the correctn(\Hs of t&m plaii 
 Hketched on tho hack of tho Application Form, particnilarly 
 that portion of it which Hpeoifies the distance from other 
 buildings ; and you will satisfy yourself that, in iiTK)theu 
 respects, tho conditions of the property offered for in- 
 sur.ance aro truly described therein, 
 
 Y(»u will note how ashes are <lisposed of, wJietJiej* they 
 are deposited in a wooden rece])tacle near to the building, 
 or to others adjacent thereto, and rfhtin/iahiftuif, negligenct! 
 in this or in other important particulars is manifest, }(»u 
 will decline the Bisk. 
 
 In considering an application, you will be so ca'\itiou.s 
 and punctilious as thrit no exemption could be taken to 
 your acceptance, were the property to b© destroyed on the 
 day following its date. . 
 
 You will in every cdso give your own independent 
 opinion of the risk. 
 
 You will mail all Applications to the Chief Office at 
 Montreal on the day on which they are received. - 
 
 ^ LIMIT F€R INSURANCE. 
 
 You will not, in any one locality, without special author- 
 ity, accept one or more risks which, in the event of a lire 
 occuring* would endanger a loss, in / that locality, to the 
 Company, of a greater amount than the following :— 
 
 Ist. On Fireproof Stone or Brick buildings, 
 
 roofed with slate or metal, - - -$8,000 
 
 2nd. On Stone or Brick buildings, roofed 
 
 with wood,- - - - - - - - - 4,000 
 
 •; 3rd. On Bough-cast buildings, or buildings 
 entirely of wood, (accolrding to 
 riflk)-. ------ $1,000 (S) 2,000 
 
5 
 
 >^. 
 
 You will f^onornlly avoid uccopting Riskn ou LeaHchold, 
 vacant or diHputod propoity. TIjIh rulo doos not rofor to . 
 valuable LoaHehold having u conHidorablo tirno to run. 
 
 APPLICATION FOn IN8U11ANCE ON MORTGAOED 
 
 PROPERTY 
 
 Should he inado by thttgilortgagor, in order to avoid tho 
 poHHibility of a doid)lo liwurrtiico by IVfortgagor and Mort- 
 gagee ou the Haniu property. 
 
 ENDORSEMENTS. 
 
 Ybu will ht oncti forward copicH of alf «\iulorseinents 
 required to bo nuulo on u Policy to tho Chief OiHc»? at 
 Montreal, for approval, without which you will in;ik«\u(» 
 aU((i'ation or cndorHennjJ't llu'reon. 
 
 \ T*HE VALITK ()lM*ROPERTY 
 
 Offered for Inisurance in a eonHiderati(Mi of vital import- 
 ance, and will require your Htri{!t<!Ht examination. You 
 will in no caHcj accei)t a risk for a projKution of mord^than 
 two-thirdn to three-fo/rirths of the actual caHJi vjijuc ol tho 
 pr.)pprty. 
 
 u 
 
 DIVISION OF RISK. 
 
 In taking ApplicatiouH, you will hoo that th^dii^rent 
 amomits required to bo insured on dilierent kinds of pro- 
 perty UTuler the same Policy, are respectively apportioned 
 
 thys : — . V ^ 
 
 On a Brick Dwelling, roofed with Shingles 
 
 in Mortar, (No. 1 on diagram) - - - - $1,000 
 
 On Household Furniture therein contained, 1,000 
 
 On Wearing Apparel " 500 
 
 On Piano V . *' 200 ^ 
 
 On Printed Books "" ' ' 300 
 
 $3,000 
 
 
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6 
 
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 IT;: 
 
 , Tou will also see that specified amounis &te placed on 
 each building or tenement reqiiired to be insured. 
 
 In cases of Applications for Insurance on mill pro- 
 perty, a specified amount must be placed upon the 
 buildings, fixed machinery, ' and moveable machinery 
 respectively. 
 
 ACCOUNTS 
 
 Must be made up to the last day of each month, and 
 
 mailed, togeUier with a retiaittauce of the exact amount of 
 
 ' balance, so that they may reach the Chief Office at 
 
 Montreal on the 3rd day of the month following, at latest. 
 
 . LOSSEa 
 
 Upon the occurrence of a loss cqvered/or partially 
 covered, by one of the Company*s Policies, you will at 
 once acquaint the Chief. Office at Montreal with the fact by 
 telegrapl^ stating the name of the Insured and the number 
 of the Policy, and probable extent of loss, and will by first 
 post give the fullest particulars as to partial or total loss 
 and extent of same, the cause of fire, whether any sus- 
 picions exist of the conduct of the Insured, or of others, in 
 respect thereof, what other companies, if any, are cori- 
 jCQmed in the loss, and all other particulars which you may 
 
 deem of importance or of interest to the Company, 
 
 waiting instructions from the Chief Office or the arrival 
 of the Inspector, v - 
 
 In the case of a partial loss of Merchandi2e, you will 
 see that the goods are at once assorted and arranged 
 according to class, and otherwise placed in a condition for 
 appraisal, in the manner described in the Policy. 
 
 Tou will answer all questions as to mctfle of procedure 
 for recoveiy of claims by referring applicants to the in- 
 structions and conditions in this regard embodied in the 
 Policy; and in order properly to protect the interests of* 
 
 ■f-' 
 
T.-^'-'-'V 
 
 ■•',-7t -V'- 
 
 7 
 
 ii 
 
 ■/: 
 
 tbfe Company, you will be careful to see that the proofs 
 submitted for transmission to the Chief Office are in strict 
 conformity to the conditions of assurance, in respect o! 
 affidavits, certificates, and other vouchers. 
 
 You will forward all claim papers in duplicate. 
 
 BATES. 
 
 ' It would be impossible to fram&a table of rates applic- 
 able to evexy case, and you will understand that the table 
 annexed gives the rato for ordinary risks. It will be found 
 that unforeseen hazards sometimes present themselves, 
 demanding an increased rate. On the other hand, where 
 it can be shown that more than usually ready means exist 
 for extinguishing fires, a proposal for a modification of 
 the rate may be entertained. a 
 
 In circumstances under which you may consider it for 
 the interest of the Company to alter the rate, either by 
 way of increase or abatembjit, you will be guided to some 
 extent by the rates of oUier respl^ctable Companies having 
 Agencies in your neighbourhood. 
 
 There is a constant endeavour on the part of applicants 
 to beat down the rates, and although the temptation may 
 be strong to abate a very little in order to obtain business, 
 it must be steadily resisted, as whenever rates are unwar- 
 rantably reduced, the result must be injurious to the 
 interests of the Company, and must necessitate the with- 
 drawal of the agency. ^ 
 
 /^ RATES FOR ONE YEAR. 
 
 Applications for Insurance on property where Steam is used for phropelling 
 Machinery must be approved by the Chief Office at Montreal before the 
 Company will be liable for loss or damage. 
 
 OEDIKABY BISKS. 
 
 PiHST CLASS. 
 
 Per $100. 
 1. Buildings of Stone or Brick covered with Metal, Slate, Patent v. 
 
 Roofing or Shingles laid in mortar, isolated or having entire 
 
 party walls 18 inches above roof, ......... 60 
 
 / 
 
 K, 
 
 
Per $100 
 
 2. When in unfavourable situations, or very Narrow Streets, . 62} a 75 
 
 3. When in unfavourable situations and endangered by Wooden 
 
 Buildings,^. . 75 a 1 00 
 
 SECOND CLASS. 
 
 1. Buildings of Stone or Briclc covered with Wood, distant GO 
 
 feet irom all other buildings, 062} 
 
 2. Th6 same, but having buildings within the distance of 60feet, 
 
 and not nearer ^an 25 feet, or tthen they join first or second 
 
 class buUdinga, . . . .... . .075 a 87} 
 
 3. The same, having Wooden buildings within 25 feet, . . . 1 00 a 1 60 
 
 TBIRD CLASS. 
 
 1 
 
 2. 
 
 1 UO 
 
 aZ'Oi) 
 a 4 00 
 
 Rough-cast Buildings and Buildings wholly of Wood, distant 
 60 feet from all other buildings, . . . . 
 
 The same, but having Wooden buildings within 60 feet, and 
 not nearer than 40 feet, . . . 1 25 a 1 50 
 
 3. The same, but having Wooden buildings within 40 feet, and 
 
 not nearer than 25 feet, .^ . . . ,. .150 
 
 4. The 8ame,having Wooden buildings ^ithin 25 f(;et or attached, 2 50 
 NoTK.— Wooden buildings in blocks are specially hazardous. Agents before 
 
 assuming these risks should carefully examine the buildings and ascer- 
 tain the character of all the occupants, and where there is nothing ob- 
 jectionable, insure only for small amounts fttfuU rdtes. 
 
 ^^ ■: 
 
 To be charged in addition tjo the foregoing ordinary Rates on Buildings, and 
 contents of buildings,/in whic^ the following trades or occupations are 
 carried on :— / ■ • 
 
 Blacksmiths, Hotels, Copfectioners, Druggists, Dyers, Hatters, ; 
 
 Plumbers, Saloonsy Printers, Stables (private) . . . . . 
 On Stocks of Crockeiy, Glassware, Fancy Goods, Jewellers, 
 
 Watchmakers— the Building 15 eta. additional, 
 
 Retail Groceries, Milliners' Stock, Bakers, bookbinders, Tin- 
 
 smitlis, Furniture Sale Shops, and the like, ...... 
 
 Retail Dry Goods, Hardware, Leather, and the like, . . . / . 
 Waggon-makers, Looking-glaas and^ictiire-finune Makers, / . 
 Cabinet-makers, Carpeaters, ChaLMnakeni, Coopers, Musical 
 
 Inatamment-makers, 
 
 Per $100 
 
 60 
 
 60 
 
 25 
 15 
 100 
 
•V''»' 
 
 * 
 
 EXTRA TEM12ITS. 
 
 P«r$100 
 For every Tenant more than one, wbetber by leaM or sab^lease, 
 occupying the building on which insurance is required, 
 additional for first or second class, .....'.... Pi,OS 
 
 Do. do , third or fourth class, ..... 12^ 
 
 Lawyers' and other offices, one to three offices, ' 10 
 
 Do. " four offices or more, ...... 020. 
 
 Duildings in course of erection, or undergoing repairs, to be 
 , charged per month additional to coyer the carpenter's 
 risk, . ... . . . ... 012J 
 
 ; SPECIAL RISKS. 
 
 As the following Rates apply to Isolated Buildings only, en additiopal rate 
 mnftt be charged as circumstances of exposure or risk, from proximity to 
 other buildings, may require :— 
 
 BEEWEBIES. , „ ^,^^ 
 
 Per $100 
 
 1. Built of Stone or Brick, first Class, . ......... 1-75 
 
 2. Do. ( do. Recond do. ........ 2 00 
 
 3. Do. ^ do. third do. 250 
 
 If steam power is used, and the boiler is placed in fireproof 
 
 room outside of building, add ........... 050 
 
 Malt-houso with kiln attached, . .... . . . . . . . 050 
 
 NoT£.— Not to be taken unless kiln is constructed with iron joists and metal 
 ur tile plates, and not answerable for grain in kiln. 
 
 OOUirrEY STOEES. 
 
 1. stone or Brick, first class, . ...... . . .... 075 
 
 2. Do. do second do. ^ 100 
 
 3. Wood, third do 150 
 
 NoTK.— Never insure goods to exceed (with other insurance whitfh may be 
 
 upon them) two^ thirds of the cash value of average stock. 
 
 0HUK0HE8. . • 
 
 1. stone or brick, first class, . 050 
 
 2. Do. do. second do. . . ... . . . . ^ > . 7S'\ 
 
 3. Do. do.- third do 1 pO 
 
 Organs to be charged, in addition to the abovei ..... ^ SO 
 
 OABDnra Am) FULLnra Miiiis. 
 
 1. Brick or Stone, worke^y water, . . $2 50, if by steam' 3 50 
 
 2. Do. do. < do. . . 2 75, do do '3 76 
 
 3. Wood, ^ do. ... 3 50, do do - (fpecial. 
 
 V , _,-.---"' '" . ■ ■ ■ ■ ^ ' ■ ■■■"■• 
 
"^ 
 
 ^- ' DISTILLERIES. 
 
 Per $100 
 
 1 . Stone ofBiick, first olaM, .............. 3 00 
 
 2. Do. do. second do. 350 
 
 3. Do. do. third do. . ! , .■ 4 00 
 
 b'LouBnra mills. 
 
 1. Brick or stone, first class, not more than three pair of stones, 
 
 worked by water, 1 75 
 
 2. Do. do. Second class do. .^o ...... 200 
 
 3. Wood, third do. ,...,».... . 2 60 
 If worked by steam, add to first and second class ..... 1 00 
 
 Do. do. third class ......... 1 50 
 
 For every additional run of atone, add . . . . . . ... 012^ 
 
 .^ IRON FOUNDRIES. 
 
 1. Stone or Brick, first class, . ............ 150 
 
 2. Do. do. second do. . . . ... . ... . . . 200 
 
 3. Wood, third do. ........... 300 
 
 Jf Patterns be made in the building, or buildings connected 
 
 therewith, add 125 
 
 If Steam Power be used, add . ... .^ ....... . 050 
 
 Patterns not insurable. 
 
 LIVERY STABLES. : 
 
 1. Stone Or Brick, first class, . v. . . . 150 
 
 2. Do. do. second do. ... . . ^. ..... . " 200 
 
 3. Wood, third do. ". . . . 3 50 
 
 Limited amounto only should be taken. 
 
 LUMBERYARDS. 
 
 '1. If enclosed with well-boarded fence or wall, and distant 100 
 
 feet irom other Lumber Yards, or dangerous premises, . . ^ 1 75 
 
 2. Without sncb Fence or Wall, 225 
 
 3. If adjoining otiier Lumber Yards or dungcrous pr(;mises, add 
 
 according to risk. - 
 
 4. Green Lumber, piled in close piles, 80 feet from exposure to 
 
 risk, may be taken for short periods (charging by tenths) at h 00 
 
 Note.— No Risk to be taken on Lumber within 100 feet of Steam Saw Mill. 
 
 MACHINE SHOPS. 
 
 1. stone or Brick, without forges, no working of wood therein, 
 
 first class, , . . . 1 00 
 
 2. Do. do. second do. ........ 150 
 
 3. Wood, third do. ....... . -200 
 
 t/H 
 
 / ■. 
 
'*^« 
 
 •^ 
 
 11 
 
 If there be Forges, add 
 If Wood be worked, add 
 
 Per $100 
 26 
 76 
 
 PAPEB MILLS. 
 Pnper^ricid by Steam, Bleaching not done in Mill, and Rags neither assorted 
 nor stored in Mill :— 
 
 1. Brick or Stone, first class, . . . . . . . 176 
 
 2. Do. do. second do. . . , . . . , . . . 2 00 
 
 3. Wood, third do. ....... . , 260 
 
 If endangered by Rag Store, add ........... l 00 
 
 It worked by Steam, add ^ . . j 60 
 
 SAWMILLS. 
 
 1. Worked by Steam Power, . . . . .- . . . 
 
 2. Brick or Stone, Water power with not more thdn one edging 
 
 and two apright paws, 
 
 3. Wood, do, do . 
 
 4. Do. do. with one saw only, . . . 
 
 For every additional Saw, add . . , ^ 
 
 If Lathing Saw is used, add ..... . . . . 
 
 Special 
 
 2 60 
 2 00 
 12^ 
 025 
 
 SOAP AND OANDLE PAOTOEIES. 
 
 1. Brick or Stone, first class, ,. . . 
 
 2. Do. do. second do. ... . . ... . . . . 
 
 3. Wood, third do. . ... . 
 
 . If Steam is used, add 
 
 TAVERNS. 
 
 1. Brick or Stone, first cla&s . ............ 
 
 2. Do. do. second do. . 
 
 3. Wood, third do. . 
 
 In no case should the amount insured exceed one-half the value. 
 
 1 75 
 
 2 00 
 
 3 00 
 60 
 
 100 
 150 
 2 00 
 
 TANNEEIES. 
 Without Heaters, or if heated by Steam, the fireplace in a separate brick 
 compartment, with entire party walla between ;— 
 
 1. Brick or Stone, first class, . . , . 176 
 
 2. Do. do. second do. ..,.........' 200 
 
 3. Wood, third do. ............ 226 
 
 With Heaters, ... . . . . . . . . . . . Special 
 
 WABEfiOUSES TOB OENEBAL STOBAQE. 
 
 ';■•, " • 
 
 
 Bnck or S 
 
 Do. 
 Frame,. 
 
 lone, firet class 
 
 second class 
 
 . . third qlass 
 
 10 75.-Wi 
 100 
 160 
 
 th Steam 1 
 do. 
 do. 
 
 Saevat< 
 
 
 
 ore, . . 
 
 1 26 
 160 
 S 00 
 
 
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 12 
 
 < 
 
 t'or private Storage deduct 12^ ots. on first and second clasH. * 
 
 Do. do. 25 do third class. 
 
 STEAMBOATS. 
 
 Annual Rate, 200@300 
 
 For winter months only, and while refitting— risk to cease when 
 
 fire is lighted for the purpose of getting up steam, 
 
 SAIL VESSELS. 
 For winter months, and while refitting — risk to cease when navi 
 
 gatlon opens, 
 
 100 
 
 75 
 
 BATES OF PBBMUJM FOB FEBIOSS.O^ LESS THAN A TEAB. 
 
 1 month, 2 lOths of annual rate. | 7 months, 7) lOths of annual rate. 
 
 2 months, .*{ '' >• I 8 ' " 8 
 
 3 
 4 
 
 4 
 5 
 
 9 
 10 
 II 
 
 8\ 
 [) 
 
 n 
 
 , Planing Milla^ Pail, Shingle, Sash and Blind Faotoriesy and all 
 other special haiards not enumerated, must be referred to the Chief 
 Office at Montreal, and no liability may be incurred pending a reply. 
 
 ■SaSfesi- 
 
 
1 
 
 r 
 
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