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 23 WEST MAIN STREET 
 
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 (716) 872-4503 
 
 
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 v!-l 
 
 BY-LAWS 
 
 OF THE 
 
 Mutual Fire Insurauce Company 
 
 ®w 3pmig§©®"HTro 
 
 PASSED 21sT FEBRUARY, 1856. 
 
 ARTICLE T. 
 
 Sec. 1. The property, affairs and concerns of this Com- 
 pany shall be managed by a Board of Directors, to be 
 chosen annually, on ^ the first Monday in June, to be 
 composed of seven persons, and to be elected at the Town 
 Hall in the Town of Prescott, at seven o^olock p, ni. 
 Thirty days' previous public notice of such election shall 
 be given by the Secretary, in the newspapers printed 
 and published in the said Town of Prescott. And m 
 case an election shall not be held according to such no- 
 lice, it shall be the duty of the Secretary to give notice 
 of an election of Directors, by giving -at least one week's 
 notice, as aforesaid, of such election, provided suchelec- 
 <tion be held within ten months from the annual day ap- 
 pointed for holding such election ; and the Directors, eo 
 elected at any annual or subsequent meeting, shall hold 
 office until a new eleoUon 4xikes place, and that all elec- 
 Itionsfor such Directors «hall be by ballot. 
 
 Sec. 2. That the Directors, as soon as may be alter 
 •an election, shall proceed to elect, from their own num- 
 ber, a President, Vice President, Secretary, Treasurer, 
 and an Executive Committee, each of whom shall hold 
 their respective offices until others are elected in their 
 places. The election of President shall be by ballot. 
 
 Sec 3. That the Directors shall hold their meetings, 
 for the transact ian of business, at least once a quaiter, at 
 the Office of the Secretary, in the Town of Prescott, at 
 the hour of two o'clock p. m. ; and that Five Directors 
 shall be a quorum for the transaction of the bufemess of 
 
'''\ 
 
 the Company. The Sectetrrry, upon any urgent occa-^ 
 sion, may in his discretion caU an extraordinaj y meetf 
 
 ing of the Ditectors. r ^rii v'^ 
 
 vSiBDi^i At aJl meetings of the lOifecldrs'tlfe PftWent 
 sliail p'resicle, or in his absence the Vice President ; and 
 in the absence of both, a President j9ro^e?». chosen from 
 the Directors present/ And when there shall be an 
 equality of votes ^t any sitting of the Board of Directors, 
 the President shall have a casting vote. Also, the Board 
 of Directors shall have power to convene, at any time, a 
 general meeting of the Company , upon any urgent occa- 
 
 81011. 
 
 Sec. 5. It shall be the duu^ of the Secretary to keep a 
 Record of the prbeeediiigs of the Board of Directors amd 
 Ekecative Cortimittee ; to preserve the Premium Notes 
 attd Applieatidns for Insurance, and all other papers 
 coming into his hands neees^iiry to be' prt^ts^tved V td 
 keep, a Record of ' all iPolicies of IhdUTance, Transtetfeli 
 Alterations, Assignments) and Surrenders 5 to answer alj 
 CoMMunications on thebiisiness of the Corapaiiy ; tore^^ 
 c^iv^ the advance Pitemiiims and pny the same to'thts 
 Treasurer; to keep all Accounts between ^he Company 
 and 'its Officers and Ageftts ; 'to report quarterly to th6 
 Difect6i-8 the amount due the Company fr6m its A^etrts J 
 the ammmt collected by him duriftg the Quarter^;' am 
 the amount drawri on the Treasurer; and to perform'iaU 
 o^r dttti^fe^ pertainihg to his offide. Before^ entenng pti 
 the duties of his office, he shall give a Bond to the Com- 
 pany in the sum of Five Hundred Pounds, Currency, 
 with two good, and sufficient Securities in Two Hundred 
 and ;Pitty Pounds each, to the satisfaction of the Boar4 
 of Directors, conditioned for the faithful discharge of th^ 
 duties of his ofiice. 
 
 ' %c. 6. It shall be the duty of the Treasurer to receiver 
 atfd 'keep' ail moneys belongit^g to the Company ; to j^y 
 all -OrderiS drawi) on him signed by the Pi^esidetit, ,&m 
 cxjmitersigned by the Secretary, Out of theinoneys in |i^ 
 itemds bel^uginW to; to Coriipanj^ v to raa^e^ ^^^^ 
 "wit^ ilje Secretary) quarteHy , a R^i^pf tii0 ^ta*^ 0^ 
 Ti^urr ;. the^J^ountf receive4^:B3r%mt| vthe nai^^ 
 
 ? v'' ■■■■*■■■' ■ '-* : ,0 . ■ . ' -- . - - •:•..£• ■.■•', 
 
# # 
 
 I.. „,,... _,. .,, 
 
 tjiiicVorit (3tiTin^*he quarter. *'Bfef6re e^^^ifi^l'oil B^^:^^^ 
 ties of his office, ho shall gjve a 'Bend to the fcbmjpany 
 in the sum of f^ive Huttdred Poundj^, Currency, "Vvitb two 
 good and sufficient Securities in Two Hundred and Fifty 
 Pounds each, to the satisfaction of the Board of Directors; 
 •conditioned lot the ffeHhful discharge of the duties of his 
 
 office. . 
 
 :, Sec. 7. It slialt^be the duty of Ih^ Executive Cortimit- 
 
 tee to examine into the aflairs of the Company on or be- 
 fore the ninth day of each mbnth ; to audit all losses or 
 accounts presented for payment ; to audit and settle the 
 accounts of the Secretary and other' Officers; ta prepare 
 and submit to the Board of Directors, Quarterly State- 
 ments of the affairs of ^ the Company. It shall • be thti 
 duty of the said Committee, or any two of them, to;^p^ 
 prove or reject the bonds of Ageiits, and the Appjica^i^iis 
 of any person or persons to'become insured by the e6r*i\ 
 pany J said Committee shall, also have power to invoke 
 the powers of any Agent, and t6 order hi6 B'otid' tol^ 
 prosecuted upon such notice as thev shall deem ^xpfedir 
 tint, and shall possess genemlly - thr power to; trattsac^ 
 the business of the CornJ)Einy> in place of • the Board of 
 Directors; provided, however) that the ti^hsActlons of the 
 said Committee shall be subject to reyisioii. and corr^* 
 ^ion by the Board of Directors at any regular 'm'^tm^ 
 thereof. ' 
 
 ' Sec. 8. It ghall be the duty of the General Agent to 
 appoint Sub-agents for the Company, and shall hayf 
 charge of the same, but the said Sub-agents arejoret^ 
 derail accounts to the Company. Before eriteririg: on 
 the duties of his office, the ^General Agent shall give a 
 Bond to the Company' in th6 • siim of Five Hundred 
 Pounds, Currency, withtw^ good and sufficient Securi- 
 ^s in Two Hundred Jtnd Fifty Poii^ds each, t<>th» sa- 
 tisfaction of the Board of Directors^ conditid^^ foi:^^ 
 feifehfai disfchargfe of the' tteties of his 6fiiceC- -^-^/'f^^ :^ 
 ^^i}^/^; ^ry Strb^agent shal! give a:E|^d''|o;tli6 
 l0Grnp4n^y'f^*the sum of One Hundred an(i twehtyffit^ 
 |P§Cinds, * Gurrency, vt^ith two good and sufficient SfeCtiri- 
 S^ in Fifty Pounds each, to the satifefkction of the Bx- 
 
f 
 
 ecutive Committee, condiiioned for ihefe^hM ^cha^ 
 
 of the duties of his office. ^ -'fi'^^ t»l« i* ' ,. 
 
 ^^ Sto ll). The President shall receive Two Pounds pef 
 hundred for signing all Policies. The Vice President 
 sliall receive the same for similar services. _^ 
 
 The Secretary shall receive lor his services Two Shil- 
 linens and Six Pence for each Policy ; also, One Shilling 
 and Three Pence for Approving and Recordmg Assign- 
 ments, and, Alterations, and such other necessary ex- 
 penses as the Board of Directors, or Executive Commit- 
 tee shall deem, expedient ; and il at any time tlie busi^ 
 liess of the Company shall require additiona assistano6 
 in- Ms office, the Board of Directors may allow him to 
 ^^mploy a Clerk or Deputy, to be paid such salaiy as 
 THay l)y them be deemed reasonable.. ^ ^ 
 
 ^*' 'nie Treasurer shall receive for his services a Salaiy 
 #Ten Pounds, Currency, per annum. ,, ^' nm ' 
 
 -•The jExecutive Committee, Directors, and other Uttt- 
 >i6ers, when engaged, in business other thari the bu^ne^w 
 W their offices, sliall receive Seven Shillings and Six 
 Pence per day, and Six Pence per mile lor travelling 
 expensed The General Agent shall receive ior, his^ (^ 
 v&wo Shillings and Six Pence on each Policy^s^o^ 
 
 ^* Sec. 11. It shall be the duty of Sub-agents to serid^a 
 •Ouarterlv Statement of their Accounts, containing ««e 
 ^e of each person insured, the amounts reoejved.ot 
 feafne, and pay over all moneys m their hands due^the 
 ffiany, tWfirst of January, ^April, July, and October, 
 ^ ^bf^ch year, and oftener if required by the Secretary^, 
 ;. Seg. il^. It shall be the duties of the OfficersandJ- 
 V^tors of this Company to present a 1 Accounts th^yjmay 
 Ifve against the Company at the close ot each quart^, 
 ^ apFOval of the Executive Committee, to be paid by 
 
 i^S^rX Seal shall be provi<fof bejuing tliemscri^^^ 
 
 ^>^ following, that is to say, - TheMu^wU f^^ 
 
 m^ance Oowmy of Prescoltf whicb ^i^^^^ 
 
 fe^l of this Corporation for all purposes, wiiich. S^a 
 
 -iSui^tnaiu in t& keeping of the Secmtary, andshdU 
 
 
'm 
 
 k 
 
 y 
 
 mAb0 affiXfBU to any insttument whatever except t>y .^ii; 
 rectiMv of the Executive Committee. ^, , 
 
 TsZ 14. The hours of bu^riess of the- Company at 
 ^reS^tt shall be, from 9 o'clock a. m. to 4 o'clock p. m. 
 ^^'ir 15. No single Risk shall l^ taken to a large, 
 amount than JE625, nor less than £25. 
 
 }-•■ ARTICLE II. 
 
 Sec 16. All persons insured by this Company, and 
 .Jt^nins loss ov damage by fire, are lorthwith to g,v» 
 S hereof, in writuTg, to the Secretary, and wuhw 
 Svdays afer such loss or damage, to de iv«r to the 
 sTreta^y a parUcular account Hereof m wrmug, signed 
 Smf^a verified by their oaths or affirmaUon ; al^ 
 ff reaS^red, their books of account, and other pap^ 
 ISsVand shall also -declare, on oath or athrmation 
 wSevCT any and what other insurance has been m^ 
 I the I^d property. And in case of any raud orfaise 
 
 -he mav have by virtue ol his Policy. In cast, ol any 
 ifs^^Jernent bJtween the Insured and the D.rectors,re- 
 W^eTnvloss or damage by fire, the question shall he 
 ^SmI three disinterested persons as referees, Q^e 
 ■rf" shall be named by the Board, and one by tt,e 
 «nffi,rin^ Ktrtv ; and the two referees so named shall 
 . l^Se O • and the decision or award ot a majority 
 
 "f Iri7 tttow^cfshall be made for loss or da|l 
 
 B«e i?; fie on jewels, plate, plated ware, medals, pic-- 
 
 ' ?ures Wily paintings, sculpture, or musical instruments, 
 
 StSr^hich shalfbe considered as househo d 
 
 ;Sure unless specially mentioned m the Policy ; b^^ 
 
 C allowance is to be mad« lu any case for g Wing, his- 
 
 • ^&al or landscape painting, stucco or carved work. 
 
 ■^ ' "Siic 18 Anv Policy of Insurance issued by this Com- 
 
 ««^'s^ed bv the President, and countersignfid-_by the 
 
 :StaT(bK otherwise ) shall be deemed v^^ 
 
 ,.flnd binding on the Company, in all cases A»here t^e as^ 
 
 inured ha., a title in.fee simple "«"f^^"^^g^d*?! 
 
 ■ibuUding oribuildkigs insured, and to the land covered Oy 
 
 u 
 
 1.- 
 
the aanio ; but if tlW assured have' a. less estate thcrt^ri, 
 or if tho protnises be encumbnrcHl, the Policy shall bo 
 i^oid, unless the true title of the assured and the incum- 
 brauces on the premises, be expressed therein and in 
 the ftpplication therefor. 
 
 Sec. 19. Every Policy shall be void on the alienation 
 of the property insured, and the Policy shall be surren- 
 dered to the Pirectors to be cancelled : provided, how- 
 ever, the grantee or alienee having the Policy assigned 
 to him, her or them, may have the same i-atified and 
 confirmed irpon application to the Dii-ectors, and with 
 their consent, withni thirty days next after such aliena- 
 tlbiif on gi^ng ^rdper security to the satisfaction of the 
 Directors, for such portion of the deposit or premium Not© 
 as shall remain unpaid. 
 
 ' Sec. 20. That every Policy issued by this Compkny 
 shall be void in case o'an insurance in any other Com- 
 5>any atthe same time, unless such double insurance 
 subsist with the consent of the Directors, si^ified by^ti^ 
 dorsement on the back of the Policy, signed by the ¥te^' 
 sident and Sffcretary. '•"- 
 
 Sec. 21. A payment of twenty-:five per cent, bii^ 
 atoount of Premium Note shall be paid befor© the issu-*- 
 iri^ bf^th6 Polidy, together- with five shillings for each 
 Policy, and' two shillings and six p^hcefor Survey. 
 ^A'Siftb'.'!22. When Insurance is required on more that! 
 one , building, iri the same Policy, tne ampuat on each 
 miisi b6 named^ also th© arncunt oh furm f; ;re, goods, 
 griiin', &c. &c. ' 
 
 Sl:c. 23. ■ Not itiore thRn two -ildrds of the estiUciated 
 (Cash value of buildings or other property, shall be inaur^- 
 fed by'thJLS ebttipany. 
 
 " Sfic. 24, Every person effecting Inetirahce in t^is 
 Conipatiy '^hiall, before he receives his Policy, depbsit 
 •his Promissory Note With the Directors; payable to- the 
 said'.Gompany, fot siich sum of money as the Board <3f. 
 1>irectbrs shall determine^—a part of which Note, t6'^ 
 detdrtiiined by the; Board of Directors, shall be imm^dlfj*. 
 ately paid to the Treasurer, and the remainder of said; 
 ffoie shall be payable as the said Board sliail dvect, ■} 
 
f, 
 
 s Sec. 25. Thjat,no. Insuraqco ehaU, bs made by thii^ 
 Company for a tenrn of more than three years, nor ibr 9 
 1^ teiTW llian one moAth, 
 
 '♦•*> CHANGES. ^'^ 
 
 SkC. 26. If the Insured change the bueinefls carried 
 on in his building from a low to a hijyjh class, he must 
 give notice thereof with reasonable diligence, and, if anj^ 
 person make an erection within TiOfeet of the building^ 
 insured, or change the occups^tion of those existing to 
 render them more hazardous, the like notice shall be 
 given, stating the distance thereto, and occupaiion, ani^ 
 the Company will allow the same at its standard rates. 
 
 Sec. 27. Whenever any alterations or additions shall 
 be made to any buildings insured, appUcation may be 
 niade to the Secretary, or a Surveyor m, the vicinity of 
 tljje applicant, who smMl certify his opinion, whether the 
 same increase the hazard or hot ; aniJLincase the Surj 
 veyor or Secretary shall judge that said alterations or adf 
 ditiohs do increase the risk^ then they shall say how 
 much, and take an additional Note for such increasea 
 x\^'y, and whtjn approved by the Secret sryvhe shall en- 
 ter a minute thereof on the Kecordof^aid Policy, and 
 forward to the Insured a ceitificat,(?, thereof. 
 
 Sfg. 28w Whenever any one hereafter insured shall 
 alienate, conditionally or by mortgage, his Policy shall 
 bt? void, unless ;he shall make a representation thereof, 
 i^ ^vjiting, to th^ Directors, stating the amount, and to 
 whom mortgaged; and the Secretary shall have tho 
 ppwei to give the assent of the, Company to said mort- 
 gage, or cancel Faid Policy, as he shall judge proper, on 
 ex^niination of the 6£^me. 
 
 Sec. 29. When buildings are mortgaged at th^ time 
 they are insured^ the Mortgagee may have the Policy 
 assigned to him^ on his' si^nin^g' the Ptemium Note, or 
 giving secinity ^<x the pame":; or the SkJcretary, when apf 
 plication shall be made to him, shall be authorized, upon 
 8aid\a;ppliea\it sigrilrig said Note, or ^iving_ security^ as 
 aforesaid, to give the assent of . thi^ Company to ^idas- 
 eignment, which sjaid.agsent; an4 assignment, or a tmfe 
 
certificate thereof, shall be entered on the Tccord of said 
 
 Policy. , . „ 
 
 Sec. 30. Any person insured by this Company, may, 
 at hU option, surreiKJer his Policy, by depositing; it with 
 the Secretary, and paying all assessments, if any unpaid, 
 and he shall be entitled to his Premium Note at the exi 
 piration of thirty days thereafter, by mying his propor- 
 tion of all losses and expenses of the Company, previous 
 to such surrender. 
 
 Sec. 31. The Board of Directors may, for good cause, 
 revoke, in part or in whole, any Policy issued by this 
 Company, and the same shall take effect at the expira- 
 tion of thirty days after the Secretary shall serve, or cause 
 to be served, ujpon the Insured a written notice of such 
 revocation, a copy of which shall be filed, with the affi- 
 davit of service in the office of the Secretar;^', and the 
 Insured shall be subject to the same liabilities to the 
 Company as though he, she or they had surrendeied the 
 said Policy ; but all liabilities for feubsequent losses shall 
 cease at the expiration of the said thirty days after such 
 
 notice. i • r-* ■ 
 
 Sec. 32. Whenever any Policy, issued by this Conit 
 pany, shall be cancelled at the request of the Insured, 
 or by his act, alienation, or default, no part of the pet 
 centajre, or original premium, shall be refunded to him, 
 or them ; but in -case any Policy shall be cancelled or 
 rescinded by the^act of the Company, not grounded upon 
 any act o1 the Insured, a just proportion ihereot shall be 
 
 refunded^ , ,» * i. 
 
 Sec 33. The By-laws of Ihi^ Company shall not be 
 altered or modified without the consent of a majority ot 
 the Directors, at a regular aulhoriijed meeting of the 
 
 Board. . ^ 
 
 Sec. 34. All Communications to the Company are to 
 be addressed, post paid, to the Secretary, at Prescott, and 
 when relating to a Policy, the number ot such Policy to 
 be given. 
 
 ALFRED HOOKER, Pr€si4efU. 
 H. HURLBURT, Secretary. 
 
 lO- 
 
 Mkwsv «nj-i«« A Tkitf intittS^