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 BRTTTSfl AMERICA 
 
 I I 
 
 ASSURANCE COMPANY 
 
 I! 
 
 i! 
 
 
 OF TORONTO. 
 
 MARINE DEPARTMENT. 
 
 TAIUFF FOB THE SEASON OF J85<i. 
 
 TORONTO : 
 HKNRV EOWSELL. KINC-STRKHT. 
 
 I8r,(}. 
 
 
! 
 
BBITISH AMERICA 
 
 ASSURANCE COMPANY 
 
 OF TORONTO. 
 
 MARINE DEPARTMENT. 
 
 TARIFF FOR THE SlUSOS OF 185«. 
 
 TORONTO : 
 HENRY ROW SELL, KINO-SfREET. 
 1856. 
 
LXLA.NM) MAIIINE ASSTRANrE. 
 
 — *#*.r — -- 
 
 %x\th\ ^merits ^Bcuraiuf CDm^ait!) 
 
 TA.RIFF FOR 1850. 
 
 According w tlata compilt'd and published by Mr. Sectetwy 
 
 Oobbins, the loss of life and properly on vessels and cargo 
 navicfatinfr the lakes and inland waters connected with the river 
 St. Lawrence during the season of 1854, amounted to $3,187,852 
 jind U8 lives; and in 1855, they amounted to ?2,79?839 and 
 119 lives* Thus, in two seasons, were lost property to the 
 amount of one million two hundred and forty-six thousand four 
 himdred and sixteen pounds, Provincial currency, and two hun- 
 dred and thirty-seven lives., 
 
 These enormous losses are much to he deplored ; they hav"? 
 been noticed by the judges in the neighbouring States in their 
 charges to Grand Juries, — who, in their presentments have attri- 
 buted these disasters to the defective construction of vessels 
 employed in the navigation, and in the employment of persons 
 to command them wholly inexperienced and incompetent to the 
 duties they assume ; and that those suggestions were correct is 
 sufficiently proved by the known character of the losses of the 
 preceding years, and the concurrent testimony of those whose 
 experience enables them to form reliable opinions upon the 
 subject. 
 
 To counteract these evils, — ^to reduce the rate of the premium 
 of insurance upon sound vessels, properly constructed and ably 
 commanded; to lessen this sacrifice of human life and the de- 
 struction of property, the Lake Underwriters have formed 
 an Association, at the estimated cost of §37,500, and have 
 engaged a number of intelligent and experienced Shipmasters 
 
Hi 
 
 and tt^rn, «ll4 Assigned to them ro*^tUAr Wat* rxtendtn:^ along 
 
 tli( margin of the Lakes ami Uivi-rs to QweWc, uWe dtttie* 
 
 ;i.v 11 render prompt advicK am! aissisiance t%-henev*?r tUsastcr* 
 occuft— to carefully survey an<l register all vessels used in the 
 navigation^ and cause them tfv be duly registered ; and also* 
 during the sea*iOU to visit and in^pectt as ftr as practicahte, aU 
 vessels mooring within their respective beats. And in order to 
 offer all possible encouragement to dfserving and ineritoriqu.i 
 officers^ their names will be duly r»'Cordcd. 
 
 When these plans are fully matured, cargoes ."shipped on 
 board first-class vessels with ofilcers whofjo names an on th« 
 preferred list, will be insured at moderate rates of pr.nnium ; 
 and the seaworthiness of the vessel, the competency of the 
 officers, and the warranty that ordinary care and skill will b« 
 observed in the management of the voyage,—- risks hitherta 
 borne by the merchant, — may then be assumed by this Com* 
 pany, nnd the conditions erased from the policy. 
 
 The following Tarifl' under the new classification has been 
 compiled for the present season, and it :o hoped will be foun<! 
 acceptable to the Commefciai Community, 
 
 WILLIAM STEWARD. 
 
 Manager^ Marine department, 
 British America Auurance Cb. 
 
 May. 1856 
 
 S i 
 
loi- thy N.ivigatiou (^' - ■ Iiftke* to Montreal, 
 
 1 
 
 A |.—t«»9 Ihftti 20O tons , 
 
 •• Over i!00 tons, tmt unut • JldO tons 
 •• Over 300 tonri, but vunkr U)0 tons 
 •• Upwtttds of 4()0 tons 
 
 k4»««W«>« 
 
 »r* %t*r****'^ |itft9«*tf- •«•««■ 
 
 8k .%«•>!«. 
 
 
 
 
 A 3.— Le.«9 tlinn 200 tons » ( ;; 
 
 *• 0?cr li!00 tons, l)ut UTiilci !J00 Ions . ♦ 
 
 •< Ovef 1100 tons, hut under 400 totja , i^\ 
 
 •' ri-irards of -iOO tous ' *•> 
 
 U I,— 'I.e!»!> than 200 tons ,...>...« | 7 
 
 «• Over 200 tuns, liut \inuer ;100 tons .<>..,..» I H 
 
 Over GOO tons, but uniler 400 tons 
 Vpwarcls of 100 ton.i 
 
 it 
 
 r h. 
 
 -Less than 200 tons 
 
 Over 200 tons, t^ut under 300 tons 
 Over oOO tons, but under 100 tons 
 Upwards ol' 400 tons , 
 
 * air ««•««» »••! «««« 
 
 ►Lcsis tlian 200 tons ....... 
 
 Over 200 tons, but undui- 300 tons ...,. 
 Over 300 tons, but under 400 tons ,..», 
 rewards of 400 tons .♦. ..... 
 
 C 2.— Less than 200 tons 
 
 " Over 200 tons, but under 300 tons 
 " Over 300 tons, but undei" 400 tons 
 ♦' Upwards of 400 tons 
 
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 Vessels in the lumber trade on the east shore and ports of take Michigan 
 ^(Jrand Traverse Bay excepted), and east shore of Lake IIuron» to fay 'i per 
 teat, additional. 
 
 Lumber vessels loading off the vrest shore of Lake Michigan (Green B&y 
 excepted)^ and west shore of Lake Huron, to pa-y I per cent, additional. 
 
 Steam Vk-sskls, 
 
 A.— Less than 400 tons , ^jxreent. 
 
 •* Over 400 tons, but under GOO tons 
 
 " Over 600 tons i 10 
 
 « 
 
 44 
 
 B. — Less than 400 tons 
 
 " Over 400 tons, but under 600 tons . 
 " Over GOO tons 
 
 I 
 
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 9 
 10 
 11 
 
 C— -Less than 400 tons ' 1'^ 
 
 " Over 400 tons, but under GOO tons 17 
 
 " Over GOO tons 20 
 
 
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 !* per tent. 
 
 10 " 
 
 11 " 
 
 10 •' 
 
 11 •• 
 
 12 " 
 
 Ifi •• 
 
 18 •• 
 
 21 " 
 
 For pai^seno-er and Mail Steamers and first class rropellers, navigating 
 Lftke Ontario Wiy, to Ogdensburg, deduct 10 per cent, from above rates. 
 
Bate* of jHtrtkmlaf atmrage m ' ' I ' ' '-^^ 
 Xat k*t thutn ^ prr oinU 
 
 Roht V jpttfttriihir avtrnge m VumM i^amd B 1 aiwf 9— 
 4VW /<M Men 7 |Mrr crn^ 
 
 Biitt* of p^trtknhte nttrage on Veuek ehued C 1 and 3— > 
 4VW let* than 10 /t^r ren#. 
 
 Short Eates to November aotb. 
 
 At'Aib bttiag esj^irfd, dedaet from abot « ) >^.i«i 10 p«r ««Bt. 
 
 Mat " •• •* " " ..... 20 " 
 
 JtJM «• •♦ « •• " 25 •• 
 
 Svtv •♦ " " " ** ...... 80 ** 
 
 August " " '• *» " ...... 35 *• 
 
 SiPt'ft •« " " '« " 45 " 
 
 OcvostR '* '• " *• •• ...... 5S •' 
 
 If ihc month in which application i» made be partially ex- 
 pifedt no deduction shall he made therefor* 
 
 Season from April tst» noon, to Nov« iSOth noon» to Lakes 
 Michigan, Huron» St. Clttir» Erie» Ontario and River 8l« Law- 
 rence to Montreal, 
 
 HuU risks on Lake Supevior to terminate November 20lh» 
 
 but may be extended to November 25th, for 2 per cent, additional. 
 
 The maximum proportion of Insurance on Hulls shall be^c«M 
 thirdx of the valuation or. vessels valued at 85,00(* and under, 
 thi-te-/ourfh.f on vessp's valued over §5,000 and less than 9ttS,000; 
 una /o\tr*/i/th on vessels valued -M $S2,00( ind over. 
 
 EXTSNSIONa 
 
 Sail and .Steam Vessels loaded and ready to sail from port* 
 on one Lake to ports on nnother Lake, on or before 20th 
 Novcmbe/, at 6 oVlock P.M., may have five daya* extension ; 
 
■•- >f. 
 
 and if from one port to ano'Uer port on th« Mine Lake, if loaded 
 and ready to «a(l before NovcmWr $3ib« at 6 o'clock P.M.* 
 may have an extension of tive daye. 
 
 Two per cent, tthatl W paid for «ttch f xtensioti. 
 
 Fire Insurance for the winter on yearly Hull Policie* cover* 
 the equipmenis on board the vessel onJy— if removed, an ad» 
 dilional premium to le charged thereon. 
 
 No vessel shall load with ^uilroad Iron, Pijj Metal, Stone, 
 Ores or Marble* wholly, beyond her registered or American 
 Custom House tonnage measuremeui J but if hulff C't Ie«» than 
 half of ht tonnage be laden with ubove articles, her ladinfe shal! 
 not exceci her tonnage, more than t^fty percen!.,C«»ittdiftn 
 measurement. 
 
 No vessfl insured under n ir-'nora! Hn!! Pofirv ■■fin!* engage 
 in the Lumber business iju the ;.iioi'ijs -A' r.alo Huron and 
 Michigan, tvithout special permission from iht- i 'umpany. 
 
 CARQO £41ES. 
 
 Shipped 00 A 1 Veuet ..ddlaet 6 percent. {Vmn iiau l.v I rates 
 
 Sbippe4 on A 2 Vessels ...^cliargeetaaciariJ rate. 
 
 Sbipye^ on B I V«s6eb,» chftfge cane rat<>. 
 
 Sbipped 00 B 2 Ve»se)s add & p«r c«iit. te t taudard iat9. 
 
 Bhippcii oo C 1 V«N«l«.........add 10 per csitt. to ?«t«n4?tr4 «te. 
 
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10 
 
 MERCHANDIZE GOINQ WEST, 
 
 V7(( Lahjs Ili'.roii, Michigan, uml S>iprrioy. 
 
 if I 
 
 STEAM BOATS, PROPELLERS, 
 AND SAILIXO VESSELS. 
 
 ON RISKS LEAVINO TIIK SUIV- 
 
 PINO rr.ACF.S ON TUK LAKKS 
 
 IN Tin; MONTHS OV 
 
 P. 
 
 ■^ 3 ! 3 ::. ! 
 
 S 
 
 
 ■1^ 
 
 
 LAKE ERIE. 
 
 From Buffalo or Dunkirk to places on the 
 South si'lo of Lake Eric, not west of 
 Clcvelar.il, find on the Canatla side, not 
 west of Port Stanley 
 
 From Buffalo or Dunkirk to places on tlie 
 South side of Lake Erie, west of Cleve- 
 land, and not west of Detroit, and to 
 places on the Canada side not west of 
 Windsor 
 
 (/. '«. 
 
 il.\s. 
 
 (/.!.^ li. s. </. IS. d. 
 
 10 
 
 i 
 
 g|12 
 
 12 610 
 
 LAKE II U HON. 
 
 FrcTra Buffalo or Dunkirk to places be- 
 yond Deta-ait, and to places not beyond 
 the Island of Mackinaw on the United 
 States' side, and on the Canada side 
 North of Windsor, and not beyond 
 Cape Ilurd 
 
 From Buffalo or Dunkirk tc places on 
 the Canada side of Lake Huron North 
 of Cape ilurd. and to places between 
 Mackinaw and Sault St, Marie, in- 
 cluding; Sault St. Marie 
 
 20 0!l5 
 
 15 
 
 ;>0 0i20 30 
 
 20 0|20 o;3o 
 
 20 0;30 Ol35 45 
 
 I "Jo 
 
 LAKE MICHIGAN. 
 From Buffalo or Dunkirk to places beyond 
 the Island of Mackinaw, and to places 
 not beyond the Southern end of Green 
 
 Bav ;•;•• 
 
 From' Buffalo or Dunkirk to Milwaukie, 
 Chicago and other places on the West 
 side ot"Lake Michigan, including Grand 
 Haven and St. Josephs, on the East side 
 
 From Buffalo or Dunkirk to Michigan 
 City and othe.- places on the East side 
 of 'Lake Michigan, excepting Grand 
 Haven and St. .Josephs 
 
 I 
 20 012') 40 OilO 0'50 
 
 
 
 30 
 
 20 2.J 0;40 0'40 050 
 
 OioO 
 
 I 
 
 40 O'tjO 070 
 
 35 030 35 050 0:70 0,80 
 
 L\KE SUPERIOR. ; 
 
 From Buffalo or Dunkirk to places beyond! 
 Sault St. Marie, and to places ou the. 
 South side of Lake Superior uot^ 
 beyond Ontonagon River [ 
 
 From BulTalo or Dunkirk to places on the 
 North side of Lake Superior and: 
 beyond Ontonagon River, outhe South j^^ 
 Bide 
 
 45 
 
 50 
 
 I i 
 
 35 45 0(50 70 80 
 
 I I 
 
 40 OJSO o|gO 075 0,85 
 
> o 
 
 11 
 
 CAKGO IKVilff^Conunucd. 
 
 from Cleveliin(! to I'ltu-i^s "oirtlio SouHi side 
 of Luke Suiu'viur. not boyoiii.l the Ontonagon 
 River , 
 
 From i)lacos West of Clevelunil, and not West 
 of Detro'.t, to place's on the South side of 
 Lake Superior not lie^Vohd the Ontonagon 
 Kivcr 
 
 From Sauit .St. Miirie to jilaces on the South 
 si'le of Lake Superior, not beyond the 
 Ontonagon liiver 
 
 From places on Lake .Michigan beyond the 
 Southern entl of Green l».\y, to places on 
 ihe Suiitli side of Lake Superior not beyond 
 the (Jntonagoii Ilivcr 
 
 l''rom New York ov IjosIou to Montreal and 
 vice versa {rln Lake Champlain and Kail- 
 road and Canals) 
 
 Do. (Quebec, do........ 
 
 Do. Oiidensburg, do. 
 
 X 
 
 35 
 
 30 (I 
 
 30 
 
 4.3 { 
 
 
 i:*^ ! 
 .#■*■ • j" I 
 
 "^' 1 
 
 I 
 
 I 
 
 25 
 
 25 
 20 
 
 30 C 
 
 10 c 
 15 
 
 7 
 
 3 -• 
 ic.r 
 3 ■*' 
 
 "■'2 \"> 
 
 i ! 
 
 tJ.j Q-tO 45 0.45- 
 
 ! '\ I 
 
 30 W 45 45 
 
 ' ! I 
 
 : i 
 
 30 35 40 40 
 
 ill 
 45 15 U GO O'JO 
 
 10 015 
 
 15 Oi.'O 
 
 7 olio 
 
 0,15 0(25 
 Oi20 0:30 
 O'lO 0|20 
 
 The preceding dates to be calculated from the day of leaving the Shipping 
 Ports on the Lakes. On Goods from New York, fourteen days allowed to 
 reach the Shipping place on the Lakes, excepting by Railroad to Dunkirk 
 or Bulfalo, 1^ hen three ilay? only are to be allowed. , . . . . ' 
 
 < .-'A 
 
 Risks biick from the ^^akes and Rivers, goinji by Uaili-oatls, 
 Wagons, Canals, or rc-sTiippod by Boats oil the Rivers, to b<» 
 ctiarged not less than 1 per cent, additional to the Uatt* for the 
 usual Lake or River Landing-place. 
 
 From New York to BufTalo, Oswego, Cape Vincent, and vice 
 versa, connected with the Lake Risks, \ per cent, additionul 
 premium to the preceding Table of Rates. 
 
 If not connected v.ith Lake Risks, \ percent. 
 
 From New York i(.> Dimkirk, or vice versa, if not connected 
 with a Lake Risk, 1 per cent, via the Erie Failroad; but when 
 connected with a Lake Risk, a per cent, each, in addition to the 
 preceding Table of Rates. 
 
n 
 
 iih 
 
 ON PRODUCE, DOWNWARDS. 
 
 BY StEAMEKS, PROrELLKRS. AN1> .SAIL VESSELS. 
 
 Via lakes Michigan, Erie, &c. 
 
 April 
 
 Miiy t 
 
 to 
 Aug. 31, 
 
 September, 1 October. NoTombef, 
 
 *. d. 
 
 From Ports on Lake Michi- s. d 
 
 gan to Lake Erie, and vice' 
 
 versa : \ 
 
 Grain. Coal, &c |{0 ;>, 20 030 0^5 
 
 llolling Freight & Lumber p5<> ^'M < ^ 
 
 Add { per cent, from East \ 
 side. j 
 
 I to 14'l5to3l'!l to 11 15to31 1 to U 
 «. d 
 
 I 
 
 15 to 30 
 
 3. d. i. tl.\ »• «?• 
 
 1 
 
 12 C 
 
 10 € 
 
 17 6 20 € 
 
 from Porta West of Cleve-\ 
 
 land on Lake Erie, io\ \ 
 
 Buffalo or Tonawanda, \ 
 
 ar,d vice versa : i 
 
 Grain, Co-i.1, kc V ^'> 
 
 Rolling Freight &Lumbcr|12 G 
 
 Fiom ChiveUmd to Jhiffalol 
 
 or Tonaicanda, and vtet'i 
 
 versa: ■ 
 
 frrain, Coal, &c ^U <l| 10 € 
 
 RoHinc Fi-oiel.t &Lumhet:lO Oi 7 € iO ©t2 « 
 
 22 02.5 
 
 40 (J 45 '0lo5 
 30 35 45 
 
 70 
 55 
 
 25 030 0'35 C 
 
 li 61? f}\n 6 20 0:25 
 
 15 ©IT 6 
 
 20 25 
 
 27 6 
 
 i5 017 «i2a 
 
 40 
 
 30 
 
 32 « 
 
 22 6 
 
 , * 
 
 ft ' tt< 
 
SSELS, 
 
 ovomtwf, 
 
 oU 
 
 «f. 
 
 15 to 30 
 
 70 
 55 
 
 ► C 
 
 10 
 
 . (130 
 
 r 6 
 
 52 « 
 i2 6 
 
 18 
 
 PBODUCE DOWNWARDS. 
 
 VIA THE RIVER ST. LAWRENCE, 
 
 l«OHT.S OV LADINU 
 
 'ist May to ntst .AilKust, 1856. 
 
 I'OllT UF UKSTINATIOX. 
 
 IsT. CLA.*S. 
 
 '.'Nil. CLA.^S. 
 
 'i - • 
 
 'steam. | t'ail. Steam. | S'ail. 
 
 Lake Michii/itn 
 w(if sidc,or Lake 
 Huron east side. 
 
 Ports on L. Eric, aud f ice rersa. j 17 <"> 17 25 j 25 
 Tort on L. (Jntario, not below : , : 
 
 Kingston 1 22 G : 22 C 35 3,> 
 
 .Droclvville, rifscott, or Og- , j i 
 
 densburg , 25 | 25 37 3< b 
 
 jMontreal, rm Canals -" 'J i ^^ ^' '^'^ ^ : ^^ ^ 
 
 ilf from Ea'-t side of Luke 
 i Michigan, add \ per cent, 
 ilf from Godericb, deduct I 
 j per cent. 
 
 I 
 
 i Tonawanda,, 
 i.jris]].ofLon!; ^^^ Ontario, P 
 ruiHl north, or ■ Kineston. .., 
 
 jWelland Canal, Buffalo, or 
 
 orts not below 
 
 10 U 10 Oi 12 12 t5 
 
 Kingston. ; 15 ^ 15 0; 22 22 G 
 
 Cleveland soiilh |Brockvillc,Prcscott, orOgdens- ^ ' i ; 
 
 Shorf. I !„„,„ 17 6 ' 17 C 25 ' 2o 
 
 ■Montreal, Wa Canals ! 20 20 32 , 32 
 
 Iwelhuid Canal, Bull'alo, or! ' j ■■ ' 
 
 TK.rN F of Lona I Tonawanda, j7 G'7 C 10 ; 10 
 
 r^^i'^iZt^Z |l. Ontario, not below Kingston, I 12 12 6| 20 20 
 Cleveland south iBrockvdle, Prcscott, or Og- . , , | 
 
 Shore or Grand ! den^burg, ! 15 lo d - u -Z 
 
 fiivet. 
 
 PitrU on LaJit 
 Ontario, 
 
 Montreal, via Canals ! 17 , U 6 30 , 30 
 
 If from Grand River, deduct 1 i | 
 
 I per cent, from this rate. / ! 
 
 JTo'poi^s'^adj^^t; '...!.....".......! 5 0.5 oj 10 1 10 
 
 :To Ports incurring the risk of : ^ . ' ,J ,.. ^ i ,0 v 
 
 ' the whole Lnke, I* ♦» " «^: 1. t» ; i- ♦> 
 
 |To Brockville, Pruscott, or Og-, 
 
 i densbnrg, ' 
 
 !To> Montical via Canals .„..*...' 
 
 f 
 
 10 ' 10 €| 15 
 
 15 
 20 
 
 /^r<ik <;/-L'i'oui/,ToMoatrcal, | 10 , 12 ft 15 
 
 Kingston or places 
 
 on the Ottawa or To Montreal- 
 
 liidi^au Canal. ! 
 
 7 6 10 12 e 
 
 Cornwall '"'i'^""* Xo Moutreal ..,„ ». «• • ^ 0:7 6 10 
 
 intermediate. : ' • 
 
 17 6 
 
 i;; 
 
 12 « 
 
 3fon(real, 
 
 To Quebec 
 
 5 07 6T 6110 V 
 
14 
 
 LAKE SUPERIOR CARGO RATES. , .„ 
 
 Srime ns tlic Hates fVom Lake Micliij;;an to Lake Erie, if not heyondl La 
 
 I'oiutc. • 
 
 Adil \ per cent, fi-om Lii Pointo to Superior. ' ' ' ' - 
 Arid 1 per cent, if to the Novtli of Isle lloyal. 
 If to or from Detroit only, deduct .] per cent. 
 Iron uu<l Copper Orea to rank in Bulk or Barrels at the same Hates n» Ornin. 
 
 FROM LAKE PORTS TO NEW YORK. 
 
 Add for (Jnvin, &c., A per cent. 
 Add for UoUing Frci-fht .} per cent. 
 
 VROM I-.MCE MICIIIOAN, viil COLLlNGWOOl) UOi:TE. 
 
 To Kingston and vice versa, same rates as between Lake Michigan tvnd 
 Buffalo under .above Tariff, and with the same additiouf for Ogdenr<burgh, 
 Montrcjil, or Quebec. 
 
 If to Toi-outo o.ily [vi'i Collingwood), Jcdiicl J per cent. 
 
 C.^RGO AVEllAOES. ■ 
 
 Particular n?era;;es on Or.'iin, 10 per cent. Salt aud Sugar, 20 per ceut. 
 
 The rates oF premium on cargo shipped upon declis of Sail- 
 ing Vessels, shall be, for the months of April, September, Oclo. 
 ber and November, three times the under deck rates; and for 
 the months of May, .Tune, July and August, double the under 
 deck rates. The cariro not to be considered covered bv the 
 policy unless such increased rates are paid. 
 
 ' • Deck cargoes on Sailing Vessels, to be insured against total 
 loss of packages only. AH risks on deck load? to be free froai 
 damage by wet, breakage, leakage, or exposure. 
 
 No classification of any vessel, save that in the printed sheets 
 forwarded to the agent, shall be acted on by them without 
 reference to the head olBce. 
 
 •f ■* r? 
 
 .■.•■■.•.! J 
 
\