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 23 WIST MAIN STRtiT 
 
 VVItSnR,N.Y. 145W 
 
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 (Mpnographsy 
 
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 Collection de 
 niicrofiches 
 (riionographies) 
 
 C«n«llan ImtHut* for Historical Mierorapraductioiw / Im^ut Canadian da microraprodHCtiona hiatorlquaa 
 
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 tjjiV 
 
 TdiMiMland BiMiorapMe NatM / No«m Hchnw uii at bibWoflrapdiquw 
 
 t(M ImdtiiM liM atttiiiptMi to obtain tho b«t ^rifiiMl 
 1 1|>f f Mmint. FaotHTM ol thh cof»y vrtijch 
 
 ol tho liiM|w in ttw'riyiydMgtfaii. or whW* way 
 ilprff icwitiv diinti tlw mj^t iwtlwd of Wwifn. iw 
 
 □ ebtoutiad ce«m/ 
 Coinartura 4t cpwla y r 
 
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 COMTS 
 
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 □ Covprarattoradand/prlaniiMttiM. .. 
 CouMrtMwrMlMMri* tt/od polH ci i H a 
 
 □ Covk tftia MiHiiit/ ' ^ '• . 
 
 U tHr* da «oiN«rtiif«^MiN|iiff 
 
 □ Coloured MfMpa/ - 
 Car«Mfto|raphiqiMN.anco(iiour ,- 
 
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 Colourad ink fi.a. othar than'ifua or JMaefc)/ 
 Encra da ooulaur (i^a. autra qiMi fe^Mia ou noira) 
 
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 □ Colourad piatai fpdtoi iliuMratiom/ 
 Planchatat/ou ill^ations an cOtMaur 
 
 Bound ii^itli oitMr niatarial/' 
 RalM a«ac d'atttratddcumanti, 
 
 □ Ti#it bindint may ««na ihadowt or dNtortion 
 alooa^intarior margM/ "^ Ai:--- 
 
 ' U raUura Nrrto paut caitMr d/l'oMbra ou da la 
 dittorrion la lonf da la niirtii4itiir^ra 
 
 □ Blank laawat addad durtotf rattoration may appaar 
 withki tha taxt. Wtianavar-poMiWa. thasa hawa 
 
 J omittad from filminf/ 
 
 41 M paut qua cartaina* pafn Manchas aiputiat 
 ion d'4HM rattauration apparamant dam la taxte, 
 mail, Ipnqua cala Mait poisibia. cat pagas h'ont 
 pai.ata f nmaiilt 
 
 
 ' /n'S'^: 
 
 L'lmdtiit a m fcf oflhn* la ma Wl aur ana m pl a iia quli 
 luiaMpoHiMadaiaproeurar. Latdto^daeat 
 aaamplaira qui tpnt paut-«tra uniquai du point da v 
 bibliotraphiqua^ qui pauvant modif iar ww knaia 
 raproduita. ou qui pauvant aiiitar una Wdification 
 dam la mMioda normala da fifc w ap aotft I n diiiu fa 
 
 □ CokNModpaias/ 
 Papa da cotdaur 
 
 □ Pafat rwtocad and/or laminaiad/ 
 Pafat rottauiftet at/ott poNicuMai 
 
 piyTNgll d i Ko lourad. ittinad or foxad/ 
 
 □ Pagas datadiad/ 
 FkfasdMaditet 
 
 HShowthroufh/ 
 Tramparanca 
 
 I ' /Quality of print variat/' 
 
 I ' Qualiti inigaia da I'imprassion 
 
 □ Continuous pagination/ 
 Pagination continua 
 
 □ inclufita indaxias)/ 
 Comprand un (das) indax 
 
 Titia oo haadar takan from:/ 
 La titra da ran<tlta proviant: 
 
 r~n| TitIa paga of issua/ 
 
 % 
 
 Paga da titra da la livraison 
 
 Caption of issua/ ' 
 
 Titra da depart da la livraison . 
 
 Masthaad/ . 
 
 G4niriqua (piriodiquas) da la livraison 
 
 Additional c o mmants;/ ^f^ 
 Commantairas supplimantairat: 
 
 Irregular pagination: [1]-16, 18-29. 
 Copy ha$ manuscript annotations. 
 
 •-. "^■'..- '■. ■ ■ - ^ ^' ■ ■ ■■'■ - •■ . • ■ '- : *■ ;'■■■-■'■ ■■. 
 
 this itam n filmadi^tHa radurtion ratio chackad balow/ 
 Ca documant ast filnw au taunt da riduction indiqui ti-dn»outr^7^'~^'-*j:r'^"^i:fif^'~:---~ ^^ 
 
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 to tlM 9«n«ro8lty of: 
 
 ^ Mttropolltan Toronto Refer«nc« Library 
 ' Buslnass and Social Sdancaa D«parti|iant 
 
 :y 
 
 i'oximpMrt fNnli M wp rod uh griot A 11 
 
 gAn4roiit«'d«: / . . A^. -' -. --•■^-^•^: \ 
 
 Matropolitan Toronto Raf aranca Library 
 Buainaaa and Social Scianbaa DaparOMOt 
 
 Tha Imagaa appoarttifiliaio arotho boat quality 
 poaalMa aofMidarinQ tfia eondMon and lagibillty 
 of tha oflflifial copy and in kaaping viHtli tlio 
 fHnilno^ ooniff aot apaaiflooilona* 
 
 Original e opiaa in pvlntod 
 b a g i n ni n g with ttio fioiii oevor and onding on 
 tha iaat pago with a printad Of puatrotad im^raa- 
 alon. or tho baaic aovar whon appropriata. AH '^< 
 othor original oopiaa aio fiimod baginning on tho 
 firat pagawith a printad or iHuatratad impraa* 
 •ion. and anding on tho laat paga wvith a printad 
 or Hluatratad impraaalan. V 
 
 Laa imagaa aulvantaa ont 4td raprodtii'tao avae ia 
 plua grand aoin. agmpto tonu do la condition ot 
 do la nottoti dOi'ORomploiro fiimA. at 9n 
 oonformltO awoa laa aondMona du controt do 
 
 :.% 
 
 Laa aaam p la l roa originoiw doht la oouvortura ^ 
 p aplar aat imprimda aont Wmda an oomman«ant 
 f par la pramiar plat atan tormlnant toit par la 
 ^ damMra paga gui eOmporto uno amprainta 
 dimpraaaion ou dINuatratlon. aoit par ia taeond 
 plat, aalon lo aoa. Toua laa autraa aaamplairaa 
 OriginoMx aontfHmda an oommonooot par ia 
 pramlAfa paga qui aomportojMio amprainta 
 dlmpraaaMn ou dINuatratlon ot on farminant par 
 la dmiMr^ paga gul aomporto uno taHa 
 
 Tho laat racordad framo on aach mioroficho 
 ahali contain tha tymbol — a» (moaning "CON* 
 TINUED"). or tho aymboi y (moaning "END"K 
 whiohoyor appiiaa. ■■. :-^---.- ■ v - .•--.^.;;-.;— 
 
 Un daa aymboloa auivanta apparaltra aur la 
 darni*ra imaga da chagua microfiche, aolon lo 
 caa: ia aymbolo -^ aignifio "A.SUIVRI". lo 
 aymbolo V iignifio '*m'''^:-r^--^^---^-^-~.^~...--==^ 
 
 Mopa. plataa. charta. ate., may ba fNmald at 
 diffarant reduction ratioa. Thoae too large to bo 
 entirely included in one expoeure are filmed 
 beginning in the upper left hand comer, left to 
 right and top to bottom, aa many framea as 
 reguired. Tho following diagramjriHtiatrata the 
 method: 
 
 »!> 
 
 Lee cartoa. pianchoa. tabloiux. etc.. pouvont Aire 
 flim^a A dee taux da riiduction dif f Arants. 
 ;^ortgue io document eat trap grand pour Atre 
 reproduit en un aoul clichA. 11 eet fllmA A parttr 
 da rangle cupAriOur gauche, do gauche A droite. 
 et do hiut en baa. en pronant la nombro 
 d'imagee nAceeaaire. Lee diegrammee auK^nta 
 muatrent la mAthode. 
 
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 THI9B00K MUST NOT BETAKEN OUT OF THE ROOM. 
 
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 JAN 4 1938 
 
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 In&truotions to Agents 
 
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 TARIFF OF bXtBS. 
 
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 JAN 4 1938 
 
 G fi^^lJlAT., 
 
 ■■ /, 
 
 PRIMTiD AT TBS EEFORMKB JOB PRIKTING K8TABLISBMEIIT, 
 AINSUX flTREEf, OALT. • ' 
 
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 of thii cmopMiy 
 ▼ithin lb* tUnils 
 
 WJien tf»e Pif«»tor» o# » CompMyr mppmi w agent Uiej do to 
 wiih tbo ^xpMtftkioA ihfti be wiU mAttkYor to iiumM* tad khpwva 
 ^U bu»»«i» not only induntrioudy wd <mr«ftiUy» bol ooaMieotiMwIr 
 •lid veil. And it wuHt be apparent to uy one that onleeBftoowMay 
 poa«Me agentH who will thue act it would be far better Jbr it Cbi 
 
 But we aMtiQrae at the onteet timt ev«ry «|^t 
 
 will mUu»umu»ljf endeavor to extend ito operations ^„«„ «, ,*„•■ 
 
 auwgnedtohim; that he wiU be ««r#/i«l in tbe eeJoetion of tMla. a«f«r 
 
 forwarding meomplete appJioationaor «uohaa he cannot eim»oimtimlthi 
 
 ^ i^CQWunend ; and Uiat everything that he is expected to «o he will do 
 
 ■■■mm,., we Miorefore proceed to explain iuoh mattere, and to inform 
 
 the agent oa such pointu a« we consider indispensably nsrniwn j tp 
 
 t^ Kucce«8ful proeeoutiou of his bnaineiMi. , .,. . . m. ;> T^^/^tu 
 
 MUix havuig made hiuMolf ihorottghfy a eqaai iite d wi ltr Ifaaiflib^ 
 
 of the application form, and the iuformation which it ie intillded to 
 
 elicit, it will doubtless ocour to him that ihe enquiries in H ai^not 
 
 made without a purpose. Nor are they. E^ich enquiry mafft bft 
 
 correctly auHwered. . 
 
 We wiuita good knowledge of tha risk, a true and fattMol deserip. 
 tion of it^.exi8tmg condition, occupancy, value and ownership, before 
 we will venture huudreds, or. possibly, thousands of doUarsnpott it 
 And we^capnot obtain this knowledge unless every enquiry iSthe 
 appkcation which may relnte to the risk be »quarely answiered If 
 • any enquiry were left unanswered, ftnd a policy issued, it miffht be 
 jjupposeii that the company waived its importance. u 
 
 ( Wliile not intending to underrate the value which attaches to vthet 
 enquiries there are those to which the attention of the airaiit unM W 
 jpecittHy di^ec^d; and U^ey ^late to vml^K o,^^p^mtm,M^ci 
 ana/«rtA#r WM»Mr<iwf#. . That unmense sums of money hav* b#«n lost 
 not onlyjiy the msurer but by the inenred beeaoseof false or hoMH^ 
 informataon on one or more of these points is notorious. M& an 
 application would h»ve been deohued and much money saved had «n 
 existmg eneunMbtance, or Imrther insnranoe, or the tmft valuo of the 
 "^^i"^^^^ *** inpored. been empnNniad iii it, And it mttti 
 be oo&ioe^ t4)At m numbn-s of insUnees the co^iOriUty which at^ 
 taches to the mcompletenesi»of this information is efaimreable to tb« 
 agent The^l records of disl?«ted fit« insnranoe cdaims ar* filll of 
 mstanaes of eiAet ignorant or wilful oa«de8eness»nluB.TOtft^ 
 
 Companies ^are very frequently compeUed to pay claims nnditf 
 IKdimes jhMA havo been isOTed in •ir gobd faia» thaiio «^^ 
 iC "^J^?*^^ .jw» J»*wd were tow, when in' pok«S^iMl£i» 
 Whole truth has either not been declared or purposely wslhMd 
 
 Xtis* oondition, fra^odont, htxwever, that tlw n Utmm mk mB 
 ^wb^.»ad«hw an ,ap0i<*ti« *ha»^ T^^ - 
 
 an akinliMn.t «^. ... -^j,^^^ ^iWteliiB^ in ' * "' " " 
 
 siMi^l^ft dp^tiM). •i^.tliet Mllhy not bsAHNSI^L^ilkitf 
 
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 ■fcjrti miiMiiiih mii iif ■iiiiiiiiilwj nniniliifi m And they nre— 
 |l«4l«ipHl»MiA ihoM qa0«t«MUi wliidw.oii «k« bMk of the appfiM- 
 UnB, pii t&$9titA\XwMnmm([ to Ibe agMit. 
 
 - li jbi rMppili llMdii^inMli* Un AppKcNUit thoold be made fe«Mmeible. 
 «« Ik, t JUke iipwl imIm it be Hhoaad ekow aiMi rxplam it to tlw 
 •^fliiMA^<«k9t liiMO i«ttsft«l ^f ite eonvatoeee, shotild aigiHf^ Hw 
 Appronkl of it by ■obeeriMofr hk uune to it. There are eeeee wben 
 ••iMj of tito dHjigt— »eh>qid b» Ml with tiw applieMit (or even ebpied 
 
 •■fSil' 
 
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 I *fmnkfim 
 
 ^^ w«» •«• •«-«• • opiniott of tiw nek. The 
 
 iMMM^ft in .htik <9iMNUd mt9vm <lr»mi e ta a c ee orertikke tbe A] 
 
 AMl<!|iift. lilwl^' tbiA he tpodkl bum We pyeperty or beeone eo 
 •|p«|.ie^«taMit Id fender eettun ite ieetmetieii %7 flMf iile 
 liiimt nr ^' ■ ^ r '^ -^-"-"^^ — «^^— ^Lz^ ..,^^^^.^10^ 
 -f l#«idttii »>K3^ ewie e ii wtto twly tbit he eaa Hiiii i iiiM i ild tiw 
 iMKt^ Sh»<t0Hfel euat AMeret theee qteetkMit. 
 t., {gb» ii II nlH g wnamihm abmit th» tppBeattoii wlU, it 1« hoped, eon- 
 tineetiifiiipiiiitite impoirlMM* tthd of hto veepoaeiMKIfy In t^^ 
 
 irtn Mjjiilll^ ^^ii dntylo write linMf iMtalliftr ^Ih ite oMidiliMur 
 
 .u^jSISSS OiitiMrio>te0iiliMtre **mi' 
 
 ■iiiai ttfciii fciyflijiliii hi 'hoUuiii at Hii JMiiiii' '^^"^ 
 
 \. 
 
 ' '*'"' _ ''*i''a>^''>yi VA 
 
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 e* « ie t- (:• t> OD lo <o i«io >e1 
 
 
 it to the oompanv.' An applmtton wwiimly 
 
 q»Mtb«for« eenaing ^ ,,,..u,— „ „ 
 
 -Vtitton, or imperfect in iu dittaUs, it » diegrMo to tbe agtnt irimW* 
 •mard^ it There are three dntie« which an agedi aatl BUJjpmhi 
 ootmeotioQ with the application. He must see that it ia ct^nh^ySui 
 «p. he moefc satisfy himself tl>at the diagram on the Wh of H fbom 
 •Very espoeare within the distance named, and ha moat iniwii tjm 
 
 Jueatione npon it which are direeily submitted to ^itn«^f ^JBi^ft^ 
 attee satisfactorily performed, a decision about it ean at onea bf itr- 
 mod at. The application for insurance by a wife n^utt be T^ grt ji by 
 #er boaband also. An application to reneir a riak ihoold wp^fli tiit 
 Mnber of tM txpimg l^ouegr. 
 
 Ithey 
 
 the appHca- 
 
 ' leeponsible, 
 sin itlotiM 
 1 signify hbi 
 caees when 
 ' even copied 
 
 li there «m 
 Mier of the 
 die "iMfral 
 ke tiM tb^* 
 • •ocitiMei 
 firaf lilM 
 ii iattbltitiii 
 
 ibobed, eon- 
 illy In vegttfd 
 
 terilT be i«^ 
 ke Mttdilititti 
 
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 V. An incomplete application cannot nndnt any oirooatatMiMf bt 
 «ttfertained. nor should there be any erasures or obliteratioiii ip Zl 
 All <p plioations must be sent to the office as soon aa eomplalid. Vlif 
 *» °^*^ promptly answer any enquiry made abniit iii mjiliwiiiiii. 
 At once state whether the applicani will aeoMi tht mmt9fkf1l' 
 ^ or not. . ^ ■ ■ '^ 
 
 
 
 
 ..t^t'Sl 
 
 .1 iiv ^ , , A" •"»«n»ent of a policy is not ralid nhlees it reetitt tha 
 
 iitfr .^S? ?*P!?»y.*^ "P^"^ cniomement tabMmbed by tba Hm^j 
 
 f P»^ Without atitbonty firom the BoMrd, pnder eeal of the eonMaT^ 
 
 mr^ ■ . •g«iiioaii write oo any policy. * --iP-^. -• 
 
 
 
 *;«.■«.*■■■• ■; 
 
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 ^V^T^&"'^^^; 
 
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 fliii ftel ttpon ill* nUad ol Qt* aig^iUoMit, MUiftl •ftflrwarcU lit mumioI 
 »#miM]iiidiityto8M«luitfthii«;^tothebMtof hia kiliriiMi^'^ 
 
 JMJilMWriii * woolen millf ovtfae^finHlt imiMliiBe iu'A flbor mfll, in*'* 
 
 [i|lolrii,^#f rtJMiiadriwifSP Hnjgib: |>y the MUidilr of itti idoliliii may 
 
 >^iii eontteetum with ^eappUefttbn there reniiuwtlvdoihtoli^^ 
 ■l^ili fcrfillliiMiill iiiiriif Mnnnibtit rmiiiMiinitinn ha^myUte— 
 ^SJMimmiik^tmA ihoiie ^iiettwi». 'llbieb» oil ibe baek of the a|^^^ 
 tbiiluifi»tiiie<iit1jlwbtiiii<0il tA thn rtgiint ' ' ' '^'''' 
 
 It i^ l^fW^ tb«a»3VMb^>«be if«K^ 
 ' itf il««> ! MM i^^)|iMk^ i« lie ^oifld ibow luia ek^iii ll Id HM) 
 , i»ylij|ipfrjtiehet whea»^>tisftea^ ibeoitisoliieili; sboiild^fpil^li^ 
 •p|in»v»l of it by snbeoviblqiribteiiiHae to iti Theire lure eai^l^^ 
 fMiN^«0f «fc»4iiigt«»«bottM b»^ (er eveii iei)pied 
 
 ^v,ar.^lbe«q^*lkM|» espetttUy •Adresseil td the »g^t theife iie 
 ^i»y|^i«ldKib^/««r pMMttonttli Thegr «04bWii the «h«»oti* of *tike 
 ^ jyitortit^Hid > tite eawtrt lepjaieii of Hfe tfek. »«* *%«*il 
 
 b4i«HNEiii.tei fiboiiad iMNffM^ritam^teiwee tffer«ike tfie ii#^ 
 
 m^40 lk^iMr'«b«t be initaab^m' I^B pyenertydv bbiiMae «<> «ic§»i*i 
 'ilNvi* jfcie jOmiet to Msdw^ «eftuii^ie»lriMMiei^ 
 
 ImilMli iHMlbMitiil ii««*ife Ite ai^^ 
 
 iMllr.t; Xbpr«0a*l«N(#^AMnvii!^^thM4iqtieiliiMi»i''M'-^ .^ii .'^r-.-'.^i.. 
 
 1 , lll^AfeHMr 9«Bwbs«b6it^llltt|t#IiM^ 
 
 ^nee ifaeifipfiAi«ile iiii|Mife«»Be#iiid «f bte kiittltta 
 
 "mbiJWlljiatiian bit A^towuaLeliimit^tdmisr'^^^ 
 
 ' >!'*! 
 
 
 jaSsfS^-^ 
 
 
 kil eairtiioit: of Ibe Otttinio l^ei^dtolblf* *<«ui 
 
 ,t ..J ,). .f 
 
 r I » iniiJIHi Illi^ 
 
 
 SBShSsF 
 
 
 '^•#t5?te 
 
 fonflliie all n«lMl Ibw imtimiieftocn^ttBiee. 
 
 mm 
 

 'i:^ 
 
 "*?-' 
 
 jifateMiiol 
 
 Nit fttfljl; iMr» 
 iiKiiilmiiiay 
 
 dvioiiieopied 
 
 i ! 
 
 
 ,(' 1.1' *^ 
 
 >• ( . '(t •!} iji '* 
 
 
 ,\wJ 
 
 &. 
 
 •^v>' 
 
 ^ 
 
 ™ 
 
 ./ 
 
 
 i-Ai^ 
 
 » i 
 
 ' iUfHABBnOALLTABfUlMOKt. 
 
 • « - * 
 
 ^^This involves an expense which will not be allowed niilwt avtte- 
 iaaa hf the Direetors. 
 
 ' l^ieee most be madMl>nthl7 aecording to the privtid Ibm itt.Mt^ 
 by the eompaily and mailed so that they shall veaeh tba 4ift«9«i ^ \ 
 Iq^ of eaoh month. The agent must n»nit by bank dnrft MiHMb in 
 GMt, poet^ffice order, or registered letter. , ,-»^-, 
 
 'ft- 
 
 'A' 
 
 
 , Th$ »ppli(oation for insnrapee shoald eonstitnteihenioal i«ap<i»%»t j 
 oOitaid^tation of the agent, for it forms the basis of the e^itnwlM- 
 tween the insurer and the insured. The applicant huMi|)£ #Jb al* 
 tomey, must in all oases sign the appUoation' and beS3b WS&bv- 
 «tattd^ that he is responsible for aUthat it oontiiina. ^i^mSm '*^^ 
 must bo carefully answered, and the agent most satiif^ himnSiSv ' , '%h 
 ' an attentive perusal of the appUcatioii that iTis Picnmdett V^^9m r^ 
 ^Mot before sending it to the company.* An appheatioB oanlitfaly 
 •Wiitten, or imperfect in its detaUs, is a disgrace to the agent-nhMK- 
 i»ard^ii Theroar^ three duties which an ageilt nnit^Mbiiil^iti 
 oo&neotion with the application. He must see that it ia canAi^rMed 
 i|p, he must satisQr himself tut the dia^m on th«1baekof||t^M>^ 
 every exposure within the distance named, and hd most t M i ifijiU 
 
 Snestiona upon it which are m&s^ submitted to himMlC ^rhnM 
 ttties satis&ctorily performed, a decision about it can at onoft WS- 
 nved at. The application for insurance by a wife n^ust be fiflodl ^ 
 Itat husband also. An application to renew a'risk shooki wmliMtiu 
 luunbar of the expiring policy. ^^m^m^ 
 
 Alt incomplete application oaniytt nndor imiy dvooMauM' te 
 entortainedj nor should there be any erasures or oblitenSona is Si 
 AU»pliinition8 must be sent to the office a« soon as eott^liMd* ^^^' 
 WJB^mm promptly answer any enquiry made aboiit aa mMlimm, 
 Wraiironieef state whether the applioai^ wXL aoeept^ thft'lwroMfli^ 
 
 
 
 v' 1 
 
 .1 ' 
 
 ''V' i^'^I 
 
 ^ All assignment Of a policy is not valid niilws iMeo«tT» tha 
 ^thfefi«^NMgr by special etidors^ment subaeribod bv ' 
 Withont authority from the Board, under seal of li 
 ll|gtilt can write on anypoliey.^ 
 
 1*1 
 
 n' 
 
 ji.j| i^tKj-|., j, ja^ 
 
 :..liLaUc£>£i v^. 
 
 \lJL' 
 
 
 
 
 
>>* 
 
 ife __. 
 
 Wn' l t! 
 
 ,i$^plMibk la huttlier in ytwds, ooid wood l_ . , 
 
 In #M« of lots o; daxomgehy ih«, tiUn^poK^ 
 
 in ttie |Nrbportioii Uat the MDoani inanred bi|Hr» to fkm ''''> '^ N^ 
 
 
 i » 
 
 iWl>»Hq^, itremium noiw, or imdertftkmgs of s^iool trmie^t br 
 <^iir oor|Mir»«» Mied, ifia«t hav# tiie seals of their respeelive mmtm- 
 i^JMii ftttaehed to them. '^ »w«yor 
 
 ■ ._.-■■ r * 
 
 , .■■■■• " 
 
 ^J^jre M« four— F<n( OZoM/ indudiiig buildings of stone or hriek, 
 fl9V«Md with shingles hud in inortwr, or with metal. shUe. tile, or 
 yittnt irATel roofing. t •*«» v^ 
 
 * izfr^* ^'"*** *°®*^^t? buildings of stone or brick, covered with' 
 Mngiaster frame or rongh-c^wt buildings, isolated, covered with 
 •hmglefl laid m mortar. - 7 \ 
 
 TkM Cja$$, including rotfgli-cast buildings covered with shingles. 
 |igjs^^ y^, «^i«f«* VtMu, inoloding^Wooden buildings covered with shingles. 
 
 Saeh InuUBng mnstiw insured separably. * 
 
 If ^ImiMmgib^^ariously oocupied the most hazardous ooounaiiey 
 iiffig«yv«m^ierate^ v- "^ vwiuj^^h^ 
 
 - ■' '-■' • * 
 
 ■^"^ ■-■■>... • 
 
 Ownot biy insured under one amount. , ' ,! 
 
 ^^^WttiPikgappanl should be separated from koustthold fumUurf Mkipp 
 fi'^>^«'* fr«n »toek in Irad^: $hop furniture from building. Neithw oan 
 m mmngt md con^wiftr be insured in one-sum* 
 
 i-b ^ ?.*il! *^* ^ <«»/M«««'^ Of in proem nf law ; if buildings be uw sm/ff. 
 ** !S1^*°® O^er; unoccM/^iW; ©lit ./ r*^«tV, or ,a«uu< to be remwed. 
 
 
 ilt^are not msnrable. 
 
 , ^ 
 
 _ , ^^ The cash eystem should be offered to opantey 
 
 . ers and that class of msurers geneirally whose property may 
 
 W encumbered, or who may be subject to the fluotufctions of trade. 
 
 ™J ™^^g> ty *Pd, uolated torn and viUaje ri$ks special tari£b are 
 
 kiLSS*** W^fwattle nor mannfacturi^ risks, nor risks exptHwi 
 tMt^Bor nmre than four frame dwellings together, can be ia«unMt 
 ^.i^H. — >year*«ash system. n *«««^ 
 
 No eash mrefnium will be taken for ft less sum than S2.60. 
 
 u- 
 
 ftf**. 
 
 '•^ ' .■ ! •■■'-•. "■,:,:;., , - / ./ - 
 
 d»«^^,!S?S!f ?IS? *^^ 7»lnation>hk;h anapplicwtgives^^ 
 *g^ ffpP?y g» *" p goposes to insure IS correct, would Ikili^^oe* 
 v^flm1^'f%infmKm^ J'^roMbre, M cases of doubt. thedSSSik 
 ' ' si^^lMMl^NlllMy ftbont iiie "mo«a hawidU*' aiU reMrT^TS 
 
 i4i over-v»Iue«l pfoperty is, w • rule, of ^^ 
 
 if ' , 
 
 Siv 
 
 
 
 Usf^ 
 
 , ? t, 
 
^pp^^^^^"W •■. ,& -i 
 
 
 
 ate, t0fly 0^ 
 
 Dverad wHh* 
 >verecl¥ritii 
 
 bh shingles. 
 BhiDj^les. 
 
 • « 
 
 ooonpa^y 
 
 NeiiheriNni ^ < 
 
 De uuprnfit" 
 be r»mov0d^ 
 
 \to0Qimtef 
 
 >pertyitt«.y 
 
 IS of trade. 
 
 tftrifb ure 
 
 C8 espW 
 beinapr^ 
 
 JO. .^^ 
 
 B in an a{{^- 
 
 uot gives ol 
 
 "t^'.^^^L 
 
 I I '. ..ij ll ^tf 
 
 
 3fc '" > 
 
 
 
 *«''^. 
 
 If' 
 
 :ip|r#Mitents of a building and the buflding itself eaanot be insoMdi 
 an^ 0ite sam. Neither can household fumiinre and itaarSnffsimanI ' 
 ||01is^ld furmtare, wearing apparel, sto^ in trade, £m *^*^^^" 
 most be msnred for separate amounts. . . ' 
 
 ' f < 
 
 
 />*M 
 
 ,<*♦ 
 
 ?T 
 
 1*00 mfieh caution cannot be exWciseil id taking a risk fhmi a 
 country storekeeper. However shrewd and intelligent an aMntlL? 
 be, It 18 almost im^ible for him ^ forin anv es&nate m^^J^ 
 accuracy of the value of his stock. To ask iim toX^iwS^ 
 invoices, accounts, and an exhibit of .his afiairs as at last atodT^ui' 
 would very likely a^ont him; and were he to c<*n»ly wS ^S^ 
 quest too much time would be taken up. The •t^ih^^i^i. 
 .gteat extent must he guided by appe^ances. tt stovSSnSJySfe 
 WHb or carelessness be ihanifest, if the stock be old or shm^^ tSl 
 IS an element in the risk which the ordinary pre^tn^SsT^'aSS^ 
 It. on the contrary the stock presW?S^SLS^ 
 nes8» oleanlmess and carefulness are appardnt-^in^UcS to ml 
 ^ itisadmissible. As a rule the stocks of St*y sto^^nfifii 
 bemsurodfor more than one-h^tf thatr *• esSmatel vaWs " » tS 
 «^«r J.f the stock does not dwell aboi^e or ^ZSgSw ^ ^ 
 •hpuld not be entertoined: In no cas^ f^ldm^^Z 
 opinjonto an applicant about the vaheZf his stockTlie « 
 S'^Jtettr'"''^''**' "^ i^>ine, unaided by any^ 
 
 '?^*i 
 
 
 
 
 '•^» 
 
 ./y,i**1 
 
 JJe appearance H^mk to/ j^at extent wm dWramine ^ti.m^! 
 &^Jti!L^^JS^^^' He Wot, however,^tho3f?SJ^ 
 2^^, dumnfi^and^edisposiitonofas^ 
 
 ^j>«^*w«^bly«ttterfaMned. , 
 
 The mstnramw ,of %vi^ and eig. 
 the furniture of the hotel^-^must b^ in 
 etdwff one-h^f the'amo^pt ^f their reai 
 
 ifatato sums, and iIh^wI M 
 ^vtf "estiinaWi i«i|rf|^.A|:, 
 
 . "- ^^?^ 
 
 *wl^tti4r «mn%hot^s ^or their oontento ghpiOndl 
 
 l^y >**!*» ^rtff^ •■ ftft itettao<febt a 
 A ta»euj fipom whi^Ta Mtm to l^QT" 
 *w*Wbrawa^> vefi^ Q^MoMfthle risk. 
 
 ?i/ 
 
 
:=■,:>; ^Ji^^bsh 
 
 
 
 '>.* 
 
 1 ^'^ 
 
 
 1'' 
 
 ^ laMFmnM, and the >riimam.iiote or 
 
 !f^ 'f«fi^"-A--:'^r^& 
 
 Tfct foqmftiiy do not reeo|Qis» ih) ■jntem of tikhis . «^ 
 
 Uji^kM ^301 li3 wUl da aa on liis own raiiponMii^fi|id 
 Wwillnndirno oironmstfuioeB site the.MenL.att»iiMr 
 
 
 ^;fx'■^. 
 
 *jt;'tA^ 
 
 
 On^ t*®^ ^fP^ application » plwe is assigned for the dia^nir 
 
 matk toOi^ M' shown not only a plan of tMe premises whlsb «0|il* 
 
 iiritt^proDOBed risk, but, when praetioable, all baildings within one 
 
 lumand ana fifty feet of it, their distanees one from Uie other, ^e 
 
 tnati^slii of "Wlu^ 4bey may be built, and their respeetive oeeupan* 
 
 li is <tf the utmost importance that acorreet dtt;gpram be given. 
 
 
 ;?'i%- 
 
 41 (iMflyremr efaange must receive the sanction of the oompiMiy by Hha 
 #W0MillMi«f Ihe seerbiaiy, or the policy thereby affected will becdme 
 #liMd^ waXk and void; • • \ 
 
 j'-SV,J 
 
 if 
 
 Thf eiistenee and amount of any encumbrance or enenm'branoes, 
 
 L^i^.„ ounKfti 0gti^te ot personal property, should be spe<^ed in the 
 
 bu ;; as well as 0ie name or' names and post-office address of 
 
 i^fiN^ or persons to whom any enoumbnmeesjnay haye been given. 
 
 ~^~1bged property cannot be insured, directlf in favor of the mcsif 
 
 The owner of it must insure, and, when\bhe poli<7 slmU have 
 
 ' *^ '^^S^?^^'^'^^^ ^^ ^ ^^ mortgp^ee. It is of the utmost, import- 
 ^ HMi likat^icumbrances should be described in the apj^lioation. 
 
 
 6- 
 
 y 
 
 y. 
 
 Tho eraanate^N^ue is that yalue which the applicant gives mid|Br 
 the heacMng " Valnanoi^' or ** Present cash value exclusive of ' 
 ^V> ^*i* <*•* ^i*>^' wlneh>*. not IA«i»^rt, must pUee on tiie ft 
 'i^^ " ^ ^MmIm fw^PM to msurV^d upon which IhW^ai^ount to 
 
 ^^fli iiimjmay wul only be responsiDla^ the follcwip^ «cp^iBee.s 
 BiMllgtf , ciHrnage of parcels^ telegrwoxsand^^ioostof tli^trvismMsiaii' 
 ^ ^ otlimiiey. - The cost of an advertisement, or uijrotlMr un«ttth<»iiie»4 
 'W Ig«jf9i wiH iiot b« aUo^red nnlesa preYioiidy^>i^ctioiied bj^the 
 
 ^^^'^^dir^t head oomei a descfiriptioi^ of the different bn^i^eii or 
 Bilii«|[^ ulaeh nm affect a nsk.-^The t«ta1slve distafteel^ _ 
 of inuob naighb&riog balldtnga «a gonBtraJB 
 
 
 4." 
 Ik; 
 
 f * 
 
 
 s^V-: 
 
 
 •5 
 ••I 
 
 '. »• 
 
 
 ^^jf^w^pT^*^^ 
 
 ^q^OT ^Irra^pX^u^, J/ 
 
 
 
 
 \ 
 
%vy~.''^PW^ 
 
 ^^vr^^y^^^^^^^^K^^^ 
 
 m^"-«.'m^h- 
 
 m 
 
 
 
 
 ► ' i. " 
 
 •,c- * 
 
 wliioh oott* 
 wiUiin ouA 
 B other, ^e. 
 re WMnpsna- 
 a bes^vea. 
 
 eredUy tiii 
 d ezpoture, 
 }apy by tha 
 ivillbelgdine 
 
 iimbranoei, 
 ofied in the 
 address of 
 been givett* 
 »f the mortf 
 r shall hay* 
 ostiimpflirt* 
 tion. 
 
 ^yes nna«r 
 reofH-^" 
 
 ■ ■■-■.\'.«-^' 
 
 aosmissum 
 Miith<Hrlsed 
 aed by the 
 
 asts 
 
 jteiiil if J»7 Mfftiiy yhMi air 4p'^(^'^liM* tfimoMSMi 
 bowevw; ihofOd IV »p|»lioation b« ieellMd^ tte eoa^H^w nojin*. 
 vpdasuMi* ■' 
 
 --''"'^(r?^ ^ ■•, ■®*^*^- Appli<?atfa)its on th« mwniim noC^ 
 Mn^ |o mMtt* inoiTAaSles or Mienttbetva re^ 
 teriaantd } J i f l U' I i f iii J ii il ii l 1] llll i S v^^mtoW^lfrMif 
 9«f 4«ot o«i thf pMmirnn note or undertaking be MM i^)y in ad- 
 tawee. Kdl«S8thaniS.MiH|lbeaeoept«d|MaiirstiMiyM«iif oniny 
 pretQinm iiote. . .'.'':-'-'■ ' '^i "■:■ ■ 
 
 '9hd li|«ni is particularly ira^^ 
 ehajDge in the means in use for the exaction of iif« hi fay ei^, toiMiSr 
 or Tilkge in which he may transact hnsiness for the eoinp*hy. 
 
 ■;■■:*':• 'Vvi' 
 
 The en^oify about further bmin^, &e tnsuraiiM hk iiilier ^kli>' 
 panics, iu^Rt be disthietly auttwered; and when the insurititfeam^d 
 for cbvers more than one subject, the partieulars of the fkiirthlruitat. 
 anoe must be correctly given. The agent should fell (h« a^plioi^ 
 that an inaccurate reply to this enquiry will render his insurance 
 null and void. Without the written conseni of the eonpaay ftirther 
 insurant will invaUdate a policy. The agent cannot give sueli eon* 
 
 If insurance on them be required they must be insured for a dis« 
 
 Must alsq));^ insured for j^ seui|<iiibe amonnti 
 
 X:i:i^,:..\-' 
 
 ha blocks th^se are very undesirable risks. Thet end bujld^igs 
 are, however, preferable to those in the centre. If there aM liora 
 thap five in any block the risk becomes " hiiiardoiA.^* 
 
 This includes carpete, linen, beds, bedding, climn, crockery and 
 gUMswareonly. ..„. . ; . , ■.,:■:■,.,■; .' '. '■':':■ ■ ; \ 
 
 JVaiae isaw mills, country taverns and their couteotsi eoontiy 
 stores and their contents, should not, as a rule, be insuved foe mom 
 tbMi «l0*haif of theur respective «• estimated values." Soe «* Mt^- 
 mated value.", -. :■,:■ \--. ,.;■.'■,....::.:. .:",,;. . ■ - V:r .^C-..:;-. 'i /'.; 
 
 See OecupaiK^. ,u 
 
 Insurance tor less periods tluin' three y 
 system. 
 
 See Bisk Increased. 
 
 must beonihe 
 
 
 PMpevty ialitigaikni is BothMuildii. 
 
 >t^ 
 
 \ '^ -J 
 
 V'? 
 
u 
 
 19 
 
 
 ate 
 
 ^^t^^ma,. 
 
 ;<i»i 
 
 ''1 
 
 ■U- 
 
 ikf of f^nune boildipgs po0»jble to . ba destsoyoi, hj fm^An 
 
 toam noi eitoeed |d,0OO, iiibtoeksof not mbtammUmt 
 
 I^^J^OW) Witb fluikb i^fe wd iW^rf^t ^yS^^PV 
 
 « gufurd wsus ipasfoiig above the roof, ikrger &w^s 
 may be writteniy thelimit on a single risk being $d,000. > f 
 
 .The l^niigtfe^ of % bloG)[(.of fiinl (»r ^e^nd olasa baifl4iQSIi will painly 
 t'j&^sniu^.tt^ iui^o^i;^^ii}i<i^^ iQiRf be itulttred in it. Wben stains ii^ ex-.^ 
 oess of lb<m>^re iiamed are req^ 
 
 OommnmeatM %itb so as to enable bim to inake ^irly arrangements 
 ftif^ t|||ie rvioispnwifie of so much as tbis compiii:^ may not t^ink it pru- 
 ' , (^w.^.<^urry< It c^oldbethe duty of the sf^ent^ci to^^^ 
 
 riM^|nfM!^.f^,:ft^ tbe company to excessive loss, Ko.piro|»-: 
 
 «*y «t» be'i»aw5e4:f(ir;?n<nf^.|^Jf^-%4?:f .^ 
 
 iUi-ii- 
 
 »* -«.1.H 
 
 of' ;: -ifif i4Mn»^«tf loM, tihe fa<^ most at (»ice be commnnieated to tli& 
 i«(tt«ti>y of tbe ^oMfMmy by tele#am if the loss is conKiderabk, of ifi 
 there are oircomstances connected with it requiring iinniediatc atten- 
 ticm; and tbe Inspected will visit the place as soon as possible tliere- 
 
 
 *"■? •■■»«. This includes tbe cbar^ter of the applicant, his btfbits and standi 
 mg, and wiu I'eadily surest such en^uiriei^'Hs the^ollowin|f :^--t ' 
 If Aie jreputed to be a man of good character ? 
 
 ^j|«,of1Eem|^rateba|>u^ .. \ ..:... .,,,\^^ ;..;■%:■■ 'J.': „:, / 
 as lie m gbbacirctMiMrtances'? ' \ '"'■'' v ^:.'':*:tiff^y:'-'-^- v-.'-;-^*'^;'- ;•:':." 
 Is bin business profitable? '"■":■'' '■-''' ''^^^l^-M'mP:fm.^,-^u.^}i 
 Is ]^,imdar W9jrpeciii£i$ry^ubarra8snient? 
 > ^ I* Jiii *tbbk|tidC or is it gbopl^rri atid un«aleabie ? ' 
 
 Is the UMUraooe for wiueh he asks justified by the apparent vti3^^ 
 .(^hie^ property? . „ 
 
 «»pi*v^»t <^'''Ptm h^'wi^'a #f8<»miitSe set of books?!.^^''^'*' -^'I?*;-- '^rf:'<'--j.---::: 
 
 ^ B<>es ^ appetthttio^ ol hie stote or dwe^g/ or factory ^ indieatlit 
 * oorefiiloeBB anei general good mann^ement? ■-■■ ■■:ti^!-i.^t....i 
 
 The foregoing^ttestions will apply to every class of risk. ' ' 
 
 «.'« -"t.' 
 
 See Encumbrances. 
 See Chaiteh Mortgage. 
 
 
 iJftiiO! r^k'm"-.< '^:--f'l-: 
 
 > . . ■ .- - „ 
 
 HiiiitiiiiiM WhiteeTejr praetioable separate {tmouhts should be p}a<»)d on Dry 
 
 / „. ,,^ Ckmds, Oroeeries, Boot8,>ShoetfilHj»i4lirai«6 and CHic^ 
 
 'Jf^ 
 
■i i^i ' J!< > |Wii i ili!ll w iii» >< « i j ii»«p tl i f *' '. 
 
 I ■ ^l*j■* ^ ^fcl■ t <^^■ii^■l ,; lwwy^^^^^lrf 
 ... . _ - .V 
 
 lore tmBk fear 
 
 llVlMOQ WHtTlK>; 
 H pjr t|^ niQft 
 
 n ttams ip «,, 
 
 arraii^emeniii 
 ^>^mk il pru- 
 
 88',^ ,' ^il^o.piroj^-;. 
 
 iderahk, ojr it 
 uediatc atten- 
 usHible tlicre- 
 
 bdryl indieattl^ 
 
 isk. 
 
 ■,->• f. 
 
 infii^;»f 
 
 .1 5- 
 
 
 ^ :l'.>^;'!" ..v- 
 
 Inccd QuJ>ty 
 
 %\ 
 
 :j~^j- — - . ' g:J 
 
 8=:=* 
 
 8op«urftte amotin^ must l>e placed ob' ^H^ji|f|mggv |^«k| tf^^^lhr*^ r%>iifnii<i<i .j . 
 moyeaoile iiiMbmery, looK Htoek iimmimotorM imnumniSiflnlraA.. >t4.y>. y^>>/iw, '. 
 Thw 8pMiaY formH in urn by thiH aoui»any show »U*that w rs^ttiMd in 
 '^^j^lg^l^^^^j^l^ ii^nimtioii MouotinBit ilil» riiJi; « IM^*||Ml:i4 V <^ •'«'* 
 Hi^ttilitumif >i*y «ot, Ihowe ver, be) tmi iof ^iw ei . If iayuMwiJattit 40M 
 i||»l# ^l * w a i > j or other in^MiiitiHble UMat be ,mMt^ Uw^ ftm i i Uc K i i^M , 
 
 cIoRely — or if they be allowed to Htaiid opon jbngev ^tmU t^ ti tfttrnfO f^hlr- ' ~ , , 
 
 the supply of fuel — the riak is uot iuaiirable. SlM.yhH{t^ wl^t«Ter 
 iaiid» shcmld be .reoioved daily* In wopkn inillB, if Uie plelter^ or fair 
 ^StM^ti^vi^T^ ^^ *'' "* " 
 
 ••fr.*!* 
 
 mi^^ any feugtli of time ; or if the uiHl Vnte iinm^k&P^^' 
 £(. d^hotuig oiireileBAueiis, decline tlie ri^k. \Vii^ 6hOi^df,tMl )Nipo6v#'' 
 
 di# to A safb plaoe. And in refet^iM to .«iir4^>,ifW6Jtei«^MjC 
 iil¥()iM8%lyoftin^ber^lLiiireiibh ; 
 
 f%^ttird*d ii^'fadt Vithiti ' efiHy (HBtane^ of a i^iark^r/ it the f^iB;%m tM 
 " Mitentv" as it is termed ; or if the owner of. U ho a maii,#h08^'t9^AK^^ ,^ » ' 
 
 acter and Htandingare not iirut cluHH, dccUnethe riHk.^^ The portion 
 Q(%'*jBi|iiit miichii^e"^ ki^ flouring ^ili ^t^naU^'^fpepM) iMiftijlHioQ/ ^»» > x?^.^:! 
 iffi #«ary iqpiaufiMStuf'ing ri^^ the c haract^ of Ih^ Mxplt«iiM^jor(<itiiif Uir *^'^- ^ ^ 
 la ofiUiie fit«t conHiderfitiau. J|^ *t Ajfor^I. HAzaitl/ 
 
 yi^i^vi ■■-■'. -^'^ ■^■•■■:' ■■■■■■ ■• '^' ' 
 
 
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 Must be injured for- a ^parate ^jvitton ut.^' ' 
 
 v"* > 
 
 ' ^ ''ft -If 
 
 *i J. *? 
 
 .*»i;f(' 
 
 MMAhMiy, 
 
 . Mutit be mamedliiir a aeparato aii^nint. • ',,^ ' > -^Ml^ • * / ^ iwiiirtiii **<'-fi'{ 
 
 ■■,:""•■-'■■."'•■■ ;• ■' y- '■'■'■. . ' " / ^ " ^ '^ * \' /' 
 
 : This ia a grave offence on the i^rt of ,tite ag^i, for ' uot only is yi^hiot ii£M«» ' 
 iuiMd^fi^^ ^iie oibe, >jbttl? tiw m|i6apt gg g>^ JSItjfe 
 
 JH iiiibf eeted ito> dday and atot^ < uohrft^ently tramfeirii lam 'baiwlMa<^ 
 
 :^hia has relation ^ the o;pcupaiionf^^^ oc<)Upat1on^ wfe^ miiy be /^^^.p,,,^ ,•• 
 
 <ili^|p4 on w any building in which a r^sk w c^it^^el,^ jli^ A^i^ib^' 
 of its tenantK, and the meana at hand to prevent t^r%. u a bt^^if 
 oontain more than one occupation, that which is the moat hazardous 
 ..'iW^RpycnithpraAe.,. :,^ ,,;.,-},,.rim . , -lu^^^^v':,. " ^^^,^;^ 
 
 M^ f*iyeds8ive overiT«lu4ti art ntdiciiiiftilfbf lb^;^IMii^%4Hltta< Q^tf-ithiMm 
 nklttt Valuation |irdved to be ^Mi is i^^^%iifj''«f^lii)'#Afllltittfbl<t 
 punishable as a felony. ' - <« '*4*f ^s^f'M'v, « u* a :. , 
 
 .Patterns are not insumble except by special agi'eeuieut. ^ 
 
 
 The i^ljMit cw r^fiir ,^ ka»r«^ th^M«dii*i<^^,^^^ 
 
 ^^«W*'olkii..\ 
 
 These shottld be insured under separata .$fH^B« ^ , ,>i 
 
 

 
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 JjgSSmSSt ""^ >>• "»«»* ••P«»*^. 
 
 ivVt.,fjl 
 
 < A-ti*,< 
 
 aiv.ftto 
 
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 *y*ry y\ Todo«ol«iioloiilyw«»g.btti akMMt Mrtem to b* 
 PMMM WHli imnroaMd po«t«gtt. 
 
 •f J'^H i'tfVt-' 
 
 ijjMMMi li. WM,«nftppfa«atioiialMUhftW been oompleM, the ima«riddltt 
 
 i m U wpM And w|Mi i^#|ipUoata^^ .faatt h»ve bw 
 «2jw^^ 1^ lan^ demanl.^ »«>eipt from the 
 
 ptidbykmw^nMiynothaveWiiJlittiid. 
 
 -i^hS^Ill^ !?°!*^???!^ *^* thj agent shonld auike » per. 
 SSi^'^f^ of er«rymk he eendeto the ComjKwy, »nd he ehSnld 
 wdejYor 80 to ezevoiee • personal raperrkion om hie banneie »e to 
 
 is *^ ""fo- ^^ ^^^^ ^ oonsidemble cwh^ value, ehoold only be ineiired 
 
 *i-?5S^J? «o*»v**' W't*'?*^*"^ win be accepted for a \mn enm 
 tfya $10» rt being nnderejtood^tbatiiolese first payment thereon than 
 
 •!:fS ^u^f?!?^ llw date of the premium note ehoald eorre. 
 spend with Oiat of Um appheation. The premium note or andertakins 
 t ^iiStSI&^^m^ ^ h«r husband ako. Each premium noto 
 ®'J¥^?^ ^^ AMfteeed at the end of a year from its date, 
 and y<^ thiMlw n^tilits poBey shall have expired. ^^"^^' 
 
 
 'i.tr.i,i 
 
 ^Jto pbhey for whidi a premium notd or an nndertddng may have 
 ^**if*I^..^..^ iMoedfor a less term than three year^, and it it 
 SSSf M^!^* wm«i»deator to seleei sueh rieks only ae wUl 
 mtw^filMpI isaeiemenjt lose at any rate for that term. A letted 
 •boutm policy shdold always state its nuiub«. ^ ^ f-^' 
 
 ^iheeaa^ premium system nolicies ean be eontiinied % jmiewia 
 MMtotiviththeaameJMlityaeifinastoekoompany. Fortherenew- 
 
 ^ ^ 5> ^ - . as imrtmmit aiM he te eareftilly eoiiiSSr i^ tf 
 tbeMjMvw hfwiam^d hetoe. Hie agent wiU raosive an^ 
 Jioti««<!fiaiexphringp«aielaii. f? . - r.^.^U .-^^ 
 
:±= 
 
 [•d «0 iht •MB- 
 
 It «trteia to b* 
 
 fr nadtrtAinig 
 ten, wben IIm 
 tt win gni&t to 
 t^Rinniwitli 
 intthftVebaeii 
 wipt from the 
 oh of tiie oa«|i 
 
 d swke » per* 
 tuid he ehouldl 
 baniiieni m to 
 iftyjake pluee 
 
 -4 
 
 ly be inaured 
 
 hr a \mn mua; 
 i thereon than 
 ehottld oiKrre* 
 r ondertdung 
 >remiam note 
 Qrom it^4itf^ 
 
 ing m«y hi^ve 
 MTJi, and it it. 
 AonlyaewUl^ 
 
 MlbjranewiU 
 ^or thereiiew* 
 
 ^ihdiild 
 tiMihidiftif 
 
 IS 
 
 -JBab wi i nw i m lfama b l e oC ttieir kind as regude IbIMimI «Bd tiiw 
 
 i^ ! Md. t» H li dMiiaUe to obtain MMb, in gnSiiHiin 
 rigid a dCrwi M l»tin tariff Witt not be aainta^^^^ 
 
 ^^ AgMit beonne aware of any ehange w^iettytiehaMidi^ii^ 
 
 •^ <»M iali^an the aie^irtMy of il, 1^ 
 
 any risk it tnoreaaed, he mnrt 
 ing pwtienkn. 
 
 Pl«we state reason for retiirning:'''v^^''^f ""' '" ^^ 
 
 
 m^r mi *;^0m Valoation/'. The rtock. intoSTrfe^SK^' 
 i|t«rjkj^ 
 
 .■,y^»"-|-^''j^ ■?> i'i,if^- ^'■• 
 
 
 ■"»f %i 
 
 The agent most adhere to his tariff ae mneh as possible. W iih^ ^ 
 
 
 ■p|l#t,*l. 
 
 N6 property dan be insured for more than two-thirdalts otm talaa: ^ 
 and oonjentto mrow in another eompany wiU be intariably retaS! ' 
 milees the total amonnt he within that lE3t. ^''^w^wra^ad. 
 
 ..:.%fc. ^- 
 
 • ^'?***S?'*fe**W^^<*"*'»*»«^to theprdpertypfopoeedtibe 
 wMwdiAojdd be thus expressed in his appSnT ^ i£^ ^^tmi ' 
 
 wmds )oM if/aay pavable to of-—^ tnortgawS^T^ttte -* Mt 
 
 in the ai^Ueation wonid save the trouble of a subseqiSStamS. . ^ 
 
 Bee AsaiiminAni <« mn<l TMik •»' <>J^'. *»•»<. .: ', 
 
 1^' 
 
 ioh must bMisored for asepaiateiMi^. 
 
 ft^lieation 
 
 Bes^ Assignment <* and Title, 
 
 l^haee eonstitute asubj 
 ammin| 
 
 ' ■ ' . V* ■ -, ■ ■ . * *■ 
 
 JBtpeoiaUy referred to here as being a elaea of risk whiflhA/«U. 
 than atfWI Dates. Vats mnet be insured separatily. /^ 
 
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 frame dwelling weru eu(UugurcKi bj • eiieomlly hAsardouH rvk within, 
 20 feet, eftoh would be rat«^d alike. If between 20 and 80 feet, three- 
 fourthn of the rat« of tho Hpecial haxiird would be added to that of the 
 frame building: if b(«twt4«u 80 and 40, ono-lialf ; if betwM& 40u4KI 
 one-quarter ; and if b«tw«en 60 and 80, one eighth. • ' » » -f!: . 
 
 Again, a« regardH rinks which are not speoiaUv haiardona, if a franu 
 dwelling adjoin a BlackHmiths or Wagon Maler't shop, or a frune 
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 same ; if from 10 to 20 feot distance between them, half the expoanre 
 would be added to the dwelling rate; if from 20 to 40 feet, one-fourth; 
 if from 40 to 00 feet, onc-cighth. A deduction of from forty to Mghty 
 oente per $100 would be made beyond 10 feet iX ih» dwiUang «tC9 fldC ' 
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 2 Months ,t,.... 8- lOths •* • •• { 
 
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 » " ...-:. Bi-lOths *• M 
 
 10 •• :. eiOths " " 
 
 n •• , oi-ioths « . 1. . 
 
 6 Days. .'.....'!!....... as-lOOths of Monthly Rate. 
 
 60.100ths 
 
 66-100th8 
 
 86-lOOths 
 
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 88 
 
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 ^nMo- th« Ontbaildingt an tiluAAed tX% IftJi ^t«io« flMU& 40 fmk 
 
 from PweUifip. oh*rge aooording to H»k*rd. 
 
 TARIFF OF RATES FOR THE IHSURAMCE OF 
 
 
 
 CLASSIFICATION OF BUILDINOS. 
 ItT CiJiis.— %me or Bride Buildings, roofed with meUl, grftT«1r^te^ 
 
 or diiiiidM Ukid iiThiortAr. :. ai. ^ • i. 
 
 awD OukM.— «tone or Briok BilildingB, or hmldmg* veneered with hneK 
 •orered with wood ; or rough-f Mt buildings covered with shingles ia ^- 
 
 teD,(3l<AM.— Wooden Btul4ings. 
 
 THBEE YEARS' BATE PEB flOO. 
 
 ■ ^MiiM^. 
 
 :■/, 
 
 lit Clas*-^ 66 feet iioUtion. 
 
 Under 66 to 40 ieei.). .^ ,»...... 
 
 / do 40 to 20 Isei.i. '.,.......* 
 
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 tmt Cf itii 66^^ isolation .r ....... • 
 
 v Und«r 6o to 40 feet.... ». :*....•• 
 X < do 40 to 30 feet. '. • • 
 
 ■•:'-'' ^^. '^- 6o SOfeet.- .......;.. 
 
 :'■< -A Vq* —eh additional dwelling in this «!•■■• 
 
 .>t. V • , distanee under 80 feet, »dd>- ...•• 
 
 8ii> ^iUM — 66 feet isd«tioi^ • .....«...,• • • • • ■ <i • * • 
 
 'Under 66 10 40 feet. •-•••••••*•*• ** ».•'••#••• 
 
 :]: do 4Ck to 20 feet ..,......»..■• .^.w. 
 
 . do .9Qrfeet ..........■••••••••••• 
 
 '^- — For eftdb tidditiomd dwelUng in this elais, add 
 
 Pnmlnm 
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 1 as 
 
 i 60 
 1 76 
 1 26 
 
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 1 76 
 a 60 
 
 060 
 
 i#o 
 
 176 
 
 200 
 
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 WImb liiore than tour dweUuigi in this dMs ar* together, the/risk 
 • ialjuiwdons and nnist berated aooordingly. ^ i 
 
 If •ndaawred^Mills, Pactoriea, Elevators, Frame H^^V B«5J»8"» 
 or Bdlwi^SluS WoSt ; or by Hotels, Shops or Stores, within I09 feet, 
 fwp«tfy«Mu*M be insured undtf this system. . " 
 
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