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 1 
 
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 6 
 
($mn\B Mutueraitg 
 
 KINGSTON. ONTARIO 
 
 1 
 
 4 
 
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 PROCEEDINGS 
 
 OF THK 
 
 SECOND ANNUAL MEETING 
 
 OF THE 
 
 BEAVER AND TORONTO 
 
 HELD MARCH 21-23, 1H71. 
 
 WITH THE 
 
 REPORT OF THE BOARD OF DIRECTORS. 
 
 — v.-v-'^.-v -.■v.'^ 
 
 Incorporated under the Act 22 Victoria. ChapterT82, 
 ride Co7i. SM. IT. C. 
 
 AlBO toy Special Statute. 27-28 Vic. cap. 99. 
 And by Act of the Dominion Parliament, 32-33 Vic. cap. 70. 
 
 OFFICE— TORONTO BANK BUILDINGS, 
 
 €or. of Wellington & Cluircli Sis.. Toronto. 
 
 1871. 
 
CARDS OP THANITQ 
 
 .- 1870. ta, r..^x^^i:^r^^r:r:^r^ «» 
 
 claim for ltMJf'°"^•^*■•'«!"K^.h^T"r^^^^^^^^ ■» "" I'lr«..or..f 
 '"J lib.r,l crfnduci "'"«•"■■■■« public .ill «nciura« t„u h, . ™ "" "« »' 
 
 W T O'B WILLIAM DEVIIN. 
 
 *™foHo«o;s-?r„:rr^^^^^^^ 
 
 7 0,.,. f„, „., „„,„^ ^^ B.7Z^za:z'z ':x'k^: 
 
 n. -, WILLIAM BRANNIGAN ^ 
 
 OKKTXKM^K^^Cwnl nU *^* ^•'^^^^ «°d Toronto M'uta«l''f'''"^^^^'^'^«'0: 
 •nentof mv clnimV .1 .* *«««Pt my thanks fn? J« In«ur,nce Company ._ 
 
 W T OP „ .^ "^"^ ABM8TR0NQ. 
 
 „ •'A^^^S CAULFIELD, Szecfitor 
 
 -t ,|.e„U' ^^'^ *^-^ ^h. company .or thet pr^m^/Sri^/ 3!^ 
 n JOHN BRUCE 
 
 '' '08ai-«d uQ(i«r policy No. 26860 
 
 JONATHAN PRETTY. 
 
of 
 
 PROCEEDINGS 
 
 AT THB 
 
 SECOND ANNUAL MEETING 
 
 OF THE 
 
 BEAVER AND TORONTO 
 
 ntml ^itt §mntmtt (Cumpatrg, 
 
 HELD MARCH 21-23, 1871, 
 
 WITH THB 
 
 REPORT OF THE BOARD OF DIRECTORS. 
 
 Incorporated under the Act 22 Victoria. Chapter 52, 
 Vide Con. Stat. U. C. 
 
 AlBO by Special Statute, 27-28 Vic cap. 99. 
 And by Act of the Dominion Parliament, 32-33 Vic. cap. 70 
 
 OFFICE— TORONTO BANK BUILDINGS, 
 Comer of Wellington and Church Streets. Toronto- 
 
 1871. 
 
^^m 
 
 FlozT 
 
 1871. 1^9,^ 
 
 I 
 
 OFFICEBS 
 
 OF THE 
 
 BEAVER AND TORONTO MUTUAL FIRE INSURANCE 
 
 COMPANY. 
 
 |lr(0i^cnt : 
 CHARLES E. CHADWICK, Esq. 
 
 tJicf-prcaibcnt ; 
 DAVID THURSTON, Esq. 
 
 iltanafltng JDtrrctoc : 
 S. THOMPSON. 
 
 Boaxi cf jDircct0t0 : 
 
 O. E. CHADWICK, Ingersoll. 
 
 D. THURSTON, Toronto. 
 
 A. BARKER, Markham. 
 
 Hon, OLIVER BLAKE, Townsknd. 
 
 Hon. J. H. CAMERON, Toronto. 
 
 JOHN CLUBINE, Newmarket. 
 
 JOS. W. COLLINS, Newmarket. 
 RICHARD L. DENISON, Lippincott. 
 J. S. TARKER, Owen Sound. 
 H. ROWSELL, Toronto. 
 JOHN SNELL, Edmonton. 
 S. THOMPSON, Toronto. 
 
 W. H. BERRY, March. 
 
 T. BOWLES. Reeve, Chinouacousy. 
 
 Hon. GEORGE BRYSON, M.L.C., Pontiac. 
 
 JAMES DRYDEN, Whitby. 
 
 WAI. EDWARDS, Clarence. 
 
 T. HIGGINSON, W. Hawkesbury. 
 
 II. S. HOWLAND, York. 
 
 THOS. McCONKEY, M. P., Barrie 
 
 J. McDERMOT, Reeve op Wallace. 
 
 Hon. J.SI MPSON, Senator, Bowmanville 
 
 GEORGE SNIDER, M.P., Owen Sound! 
 
 JOHN IRONSIDE, Fergus. 
 
 J. LANGTON, MiNDEN. 
 
 C. S. BURROUGHS, Laciiute. 
 
 Joint .S(cr«tiiru0 ; 
 W. T. O'REILLY and H. HANCOCK. 
 
 £\rt Juflpcctor ; 
 W. T. O'REILLY. 
 
 ,Bonkcr0 : 
 ONTARIO. BANK 
 
SECOND ANNUAL REPORT 
 
 OP THE 
 
 BEAVER AND TORONTO 
 
 tit^l JiiTi^ Iwfs^iui CmmpiEi* 
 
 The Second Annual General Meeting of the members of the above Company, which 
 had been summoned for the 2l8t March, was adjourned on that day till the 23rd, in con- 
 sequence of the general elections for the Province of Ontario being held on the day first 
 name<l. TIio meeting, which took place at the Company's Office, Toronto Bank Buildings, 
 was organized in the usual manner. Charles E. Chailwick, Esq., President, took the 
 chair. The Report of the Board of Directors for the year 1870 was read as follows : 
 
 REPORT. 
 
 We meet together on this occasion under circumstances which have no parallel in the 
 history of fire in&urunce. 
 
 On the 16th of August of last year, the affairs of the Company were in a condition so 
 flourishing, that your Board could not but look forward with pleasure to the prospect of 
 presenting you this day with an unusually favourable report. They expected to be able to 
 say, that the business was largely increased, that the Company was free of debt, and that 
 a handsome fund remained on hand towards the reduction of future assessments. 
 
 THE OTTAWA FIRES. 
 
 But on the following day, the 17th, an event occurred, so disastrous, and involving so 
 many of our members in its frightful consequences, that all ordinary business calculations 
 were put to flight, and the only question left for your Board to consider was, what was 
 their duty to the sufferers, and how they might best fulfil it? 
 
 On that day a storm of wind arose from the south-west, which lashed into flames the 
 expiring embers of fires which liatl been smouldering in the patches of woodland scattered 
 here and there througli the counties of Lanark, Renfrew, and Carleton, in the Province of 
 Ontario ; and Ottawa, in the Province of Quebec. For four months previously no rain 
 had fallen in these counties, and the fields were parched up with drought, so great as 
 seemingly to fill the air with inflammable exhalations, and to render fences, buildings, 
 pastures, and trees, so dry that tlie merest spark must set them in a blaze. In this con- 
 dition wei'etlie seven townships of Fitzroy, Huntley, Goulburn, March, Nepean, Gloucester, 
 and Hull, when the storm of the 17th August swept over them, and in the brief space of 
 four hours left tliem a blackened desert, with here and there a house or barn untouched, 
 but everything else — dwellings, outbuildings, fences, bridges, crops, meadows ; nay. even 
 horses, horned cattle, sheep, pigs, poultry, every variety of tame and wild animals, and, 
 sadd^t of all, twelve human beings — all involved in one common destruction. Those 
 
 53.1 
 
 
SECOND ANNUAL REPORT. 
 
 of the unfortunate farmers who escnped did so with extreme difficulty, in many instanccH 
 i»y driving tlieir waggons, containing their wives and cliildron, intotlie middle of the river, 
 wliere they had to remain all night, their flesh blistered with the heat, and their clothing 
 consumed on their backs. The soil, in places, was burnt so deeply as to render farms 
 worthless, and the highways were made impassable by the destruction of bridges and 
 corduroy roads. To the horrors of fire were mlded those of starvation and exposure, for 
 it was many days before a shelter could be provided, or even food furnished to all who 
 neeiled it. The harvest, just gathered, had all been burnt in the barns ; and the groon 
 crops, corn, oats, turnips, and even potatoes, were scorched in the fields to such an extent 
 as to render them quite worthless. 
 
 NATURE OF THE OTTAWA COUNTRY. 
 
 This district of country had been no half-cleared bush tract, full of logs, dead wood, 
 and wretched log buildings, but possessed, as a rule, some of the best farms, largest clear- 
 ing.s, and finest buildings in the Province of Ontario. Many of the houses and outbuildinzs 
 were of brick or stone, roofed with tin, and all of them, as a rule, comfortable, well-fiui.sheil 
 dwellings, with substantial barns, &c. ; while the land was generally clear of stumps, and 
 with no more timber left standing than was barely sufficient for the use of the farmers. 
 Of no county in Ontario can it be sa'd, that it is better protected against (ire than were the 
 counties which suffered on the 17tti August last. 
 
 EXTENT OF THE OTTAWA FIRES. 
 
 Any person may form a tolerable idea of the extent of the Ottawa fires, by supposing 
 a similar calamity to befal himself and his neighbours. Let the owner of any farm near 
 Toronto, imagine a fiery blast consuming, within two or three hours, nearly every home- 
 stead between Toronto and Lake Simcoe, and between Uxbridge and Lloydtown, villages 
 and all ! Let the residents of Grey and Bruce iiicture to themselves a conflagration 
 spreading from Owen Sound to Kincardine and Durham,' — a country not nearly so well 
 improved, in any respect, as the Otf.wa region. Let the "men of (Jore" suppose them- 
 selves driven to escape with bare life, with the whole tract fi*om Hamilton eastward to the 
 Niagara River, and southward and westward to the Grand River and Lake Erie, all in 
 one rushing storm of fire. Such was the trial to which our Ottawa brethren were 
 exposed, and in which twelve (men, women, and children,) were destroyed, several of them 
 actually calcined to ashes ! 
 
 The number of families burned out has been stated at four hundred and upward.s. 
 Of these no less than eighty -two were insurers in your Company, which has been repre- 
 sented there by excellent agents, who possessed the entire confidence of the community. 
 Hence it happens, that no other Company has suffered one-fifth the amount of our losses 
 on that occasion. Your Board took the promptest steps to enquire into the extent of the 
 calamity, by despatching the Fire Inspector to the spot immediately upon receipt of 
 intelligence of the magnitude of the disaster ; but it was found impossible, for more than 
 a week, to learn the facts of the case, so utter was the ruin, and so distracted the con- 
 dition and state of mind of the unhappy population thus suddenly cast upon public 
 charity. On the 26th, two of your Directors, Messrs. Thurston, V. P., and Dcnison, 
 arrived on the spot, by which time the confusion had subsided sufficiently to allow an 
 investigation of the number and amount of losses for which this Company was responsible. 
 But those gentlemen had to return, and make a second journey to Ottawa, before the 
 truth could be ascertained with any degree of accuracy. 
 
 AMOUNT AND SETTLEMENT OF OTTAWA LOSSES. 
 
 It was at first supposed that this Company would have to be responsible for something 
 like Eighty Thousand Dollars, to cover losses on the 17th August. Heavy as this blow 
 was, your Board felt no hesitation as to their course, and rejoiced in the certainty that the 
 Company was equal to the occasion. Their first step was to declare an assessment of two-; 
 
SECOND ANNUAL llEPOKT. 
 
 ce8 
 'er. 
 
 ■ins 
 ui.l 
 for 
 
 r'llO 
 L'CIl 
 ;!Ilt 
 
 
 tJfthB of ftll premium notes in tiie Mercantile and Household Branches, and one-third in 
 the Farmers' Brancli, which it was estimiitetl should produce between Seventy and Eighty 
 Thousand Dollars, when collected. This assessment wipes away, as it were, for tlie 
 l)resent, the entire margin intended for extraordinary losses, but does not interfere with 
 tlie ordinary annual ivssessments, and therefore does not afifect the practical working of the 
 Company. 
 
 The task of investigating and settling all these various claims, was rendereil doubly 
 difficult by the entire sweeping away of all vestiges of what the property had been ; and 
 it required no ordinary amount of patience and toil to get through the work, which was, 
 however, accomplished without ill-feeling, almost without dispute, and the wliole claims 
 ascertained in three weeks, to the satisfaction of the parties concerned. They amounted 
 in all to $63,747.06, of which the sum of $3,481.27 was covered by reinsurance, making 
 the net loss $60,265.79, which was paid (with one exception, defen-ed for proof of title,) 
 by drafts on the Company at dates varying from three to six and in a few cases nine months, 
 of which about three-forths have been paid, and funds will be ready to protect the 
 remainder as they become due. 
 
 It should be borne in mind, that it is no part of the system of this Company to accu- 
 mulate large funds in hand ; but on the contrary, advantage has been taken of our 
 considerable receipts from policies issued on the cash system, to apply moneys so received 
 to the immediate outlay of the various branches, at the same time deferring assessments 
 to a late period, so as to leave as much money as possible in the hands of members, to be 
 called for only when required by absolute necessity. . It was owing to this caution on the 
 part of the Board, that it became possible to obtain so large a sum when required to meet 
 this most extraordinary demand. And it is surely a very gratifying proof of the entire 
 confidence felt by the farmers about Ottawa in the Company and its Board of Directors, 
 that they were willing to wait with patience, and even with lively gratitude, until iuudn 
 could be collected by assessment from the many thousands of merchants, householders, 
 and farmers, included in our long list of members. 
 
 Up to the 1st January, 1871, the sum of $33,942.80 had been received on account of our 
 Ottawa Special Assessment. To this date a further sum of $13,069.95 has been collected, 
 and there remains a balance of $23,113.25 to be received from that source. 
 
 OBJECTIONS TO THE SPECIAL ASSESSMENT CONSIDERED. 
 
 As doubts have been raised by certain parties, not perhaps too warrnly disposed 
 towards the Company, of the right c He Board of Directors to assess members of the 
 Mercantile Branch Tor losses by fire occun-ing on Farm property, it may be well to explain 
 the principles upon 'vhich the several Branches have been assessed on this occasion, and 
 to do so, we must notice the position of the two Companies before the union in 1869. 
 The Beaver Company, being tlie older, made considerable cash advances to the Toronto 
 Mutual Company, and in this manner invested the reserve funds then accruing from its 
 cash system policies, yjhen the union took place, it was found that the tendency amongst 
 farmers to insure on ihe cash principle was becoming so general, that the Boai-d of 
 Directors thought it prudent to discontinue issuing cash system policies in the Farmers' 
 Brancli, under the apprehension that the predominance of cash policies might lead to serious 
 consequences should any heavy misfortune happen to the Branch, One leading Farmei s' 
 Mutual Company had abandoned the premium note system altogether, and another 
 appeared to be following in the same course. The Boai , therefore, acting under lega-1 
 advice, decided to reinsure all their Farm cash risks in the Mercantile Branch, and 
 did so, crediting it at the same time with the full estimated value of all unexpired cash 
 policies. They thenceforward issued all cash policies in the Mercantile Branch, con- 
 sidering that they were conferring upon it a valuable class of business, as is evident from 
 the fact that about $26,000 were tlius transferred to its account in the office books, and 
 held as a reserve fund for future claims under cash policies. Hence it happens that under 
 cash policies, chiefly issued since the union of the two cempauies, no less than $34,284.63 
 
6 
 
 SECOND ANNUAL REPORT. 
 
 became payable to the Ottawa suiTerers in the Mercantile Branch alone, as will be seen by 
 the statement given elsewhere. The special assessment became inevitable, to proviile that 
 Hiim, and still maintain a reserve sufficient to protect future casli policy-holders. The 
 probable gross product of the assessment in this Branch is $33,104. 
 
 In the Farmers' Branch, consisting of piemium note policies exclusively, the Ottawa 
 losses were $25,981.10. The special assessment of one-third is estimated to produce 
 $24,861.00. 
 
 It will be more difficult, perhaps, to explain clearly to members of the Household 
 Branch, how it became necessary to assess them at the same time with other members, 
 on account of these Ottawa losses. They are, however, aware that they pay on insuring a 
 sum of about $3, which includes Agent's fees and commissions, and are not asked for 
 any ordinary assessment until the cud of twelve months. In this way nearly the whole 
 expenses of the Household Branch have hiwl to be advanced by the Mercantile Branch 
 out of its cash reserve, until repaid gradually out of each member's annual assessment, 
 when it becomes due, twelve months afterward.s. Thus the Household Branch has been 
 constantly indebted a year in advance, and the larger the business done, the greater the 
 indebiedness for cash a<.lvances. Tlie Board regret much the necessity they were under, 
 suddenly to call in these advances, but were quite unable to avoid doing so, as the funds 
 were required for the Ottawa claims. They have measures in contemplation, however, 
 which will completely remedy this matter in future, and they hope efl'ectually prevent 
 its recurrence. In the meantime, tiie promise hold out by them, that the cost of 
 insurance in the Household Branch will be in no wise increased by tlie levy of the 
 special assessment, is being and will be strictly a^lhercd to. 
 
 SEPARATE ACCOUNTS OF THE BRANCHES. 
 
 In their last year's report, your Board stated, that in consequence of the immense labour 
 involved in the settlement of all questions between the united Companies, and because of 
 the fact that the first half of the year 1869 would require separate audited statements, 
 while the latter six months' business was under one organization, it would not be possible, 
 on that occasion, to submit detailed accounts of the affiiirs of the several Branches sepa- 
 rately. This year, however, the accounts of the Bi'anches have been prepared with care, 
 and every item is separately classified, so as to exhibit the exact status of each Branch. 
 Those accounts are given below, in tabular form, in such a manner that every member 
 may judge for himself of their actual condition. The statement of Receipts and 
 Expenditure represents the entire transactions of the Company as a whole ; as does also 
 the Table of Assets and Liabilities, which will be found to agree in every detail with 
 the Branch Tabular Statement. It is therefore unnecessary to recapitulate the figures 
 here. 
 
 THE GENERAL RESULT. 
 
 The losses of the year have been rather heavy independently of the Ottawa Fires, but 
 not nearly so heavy, in proportion, as those recorded by other Fire Companies, proprietary 
 as well as mutual ; and even the Ottawa claims have not proved an unmixed misfortune, 
 as they have been the occasion of making an efi'ort which has placed the mutual principle 
 in a favourable light before the Dominion — as is proved by the still increasing business of 
 the office, and the frequent commendations we receive from insurance authorities. AH 
 admit that this visitation has been one which no ordinary foresight could anticipate — no 
 actuarial calculation forefend — and that there is but one reflection which, with reverence, 
 can be properly applied to it : ** It is the act of Providence— ^a< voluntas tua." 
 
 It ought to be a pleasurable reflection to us all that our Company has really done more 
 towards alleviating the Ottawa farmers' distress, than any other private organization. 
 Sixty-four tliousand dollars is a handsome sum from one source for such a purpose, 
 as these of our members have doubtless felt, whoso assm-ances of confidence and approval 
 have been a very great support and assistance to your Board under th« unusually heavy 
 burthen of their official duties. 
 
SECOND ANNUAL REPO IT. 
 
 by 
 that 
 The 
 
 (iwa 
 luce 
 
 PROPOSED CHANQES. 
 
 Vour lioardarc of opinion that (sonsidorable improvement may be effected in our internal 
 arrangements. It seems now well establiahe*!, that isolated private dwellings in the out- 
 Hkirts of villages and towns are qnite as safe, if not much safer risks, than farm buildings ; 
 and there appears to bo no reason why the distinction between the Household and Farm 
 Uranchcs should be maintained. The more extensive the business of each Branch, the 
 cheaper the insurance ; and for this reason, your Board ask the authority of the meeting to 
 close the Household Branch as soon as convenient, and to transfer its policies to the Farm 
 Branch. 
 
 They have also had in view the propriety of opening a new Branch, in imitation of a 
 sister Company at Hamilton, for the insurance of risks within the fire limits of the city 
 of Toronto alone, for which purpose an Act of the Legislature may be neetled. 
 
 Furthermore, your Board have decided, for several reasons, to restore the practice of 
 allowing agents to collect a fee on insuring, which will save the trouble and cost of keeping 
 many voluminous accounts in the office books ; and at the same time, in consequence of a 
 recent judgment of the Court of Common Pleas, which has decided that there is no autho- 
 rity in law to justify Mutual Companies in taking a note for "first payments," 
 although they may take notes for cash premiums in full, your Board contemplate collecting 
 no "first payment" whatever, but, instead thereof, levying the first assessment at the 
 end of six months, the second at the end of eighteen months, and so forth. Of course 
 this change will not aflect existing policies, but only those hereafter to be issued. 
 
 MUTUAL INSURANCE. 
 
 Some few of our members, whose sense of justice induced them to pay cheerfully our 
 Ottawa special assessment, have nevertheless expressed their intention not again to insure 
 in any Mutual Company. Such persons surely labour under a mistake. Had a loss of 
 equal proportionate amount occurred to any proprietary Company, that is, if its whole 
 cash reserve hatl been swallowed by a single fire, what would have been its chance of 
 recovering itself i Many Proprietary Companies have succumbed to much less serious 
 reverses even within the past year. If, then, a Mutual Company can sustain itself 
 where others would fail, is not that the very best argument for the mutual principle? 
 One of the oldest Mutual Companies in Canaila met with heavy losses thirty years ago, 
 yet those who have adhered to it up to t!ie present day, declare that in the long run they 
 liave saved money. 
 
 Under the Mutual Insurance Law. the Directors are bound to assess all losses and 
 expenses upon premium notes in force at the date of such losses, &c. If the special 
 assessment should fail to produce the necessaa-y funds to cover the Ottawa losses, it will be 
 the duty of the Board to make a further call upon the same parties for the same purpose. 
 No member whose policy dates after the 17th of last August, has been called upon to 
 contribute towards payment of those losses ; and no future insurer need he apprehensive 
 of suffering from any past losses of the Company. 
 
 SUMMARY OF THE YEAR'S BUSINESS. 
 
 The total receipts of the year 1870, were $95,165.41. The expenditure was $93,022.77. 
 The number of policies issued was 7095, covering property to the amount of $4,686,464.50. 
 Policies cancelled and expired during the year, 4838, covering property to the amount of 
 $3,588,083. Total policies in force on the 1st of January was 18346, covering property to 
 the amount of $12,415,958 ; of these 8366 policies were on the Cash System. The total 
 amount of premium notes liable to assessment were $214,935.52. We have gained since 
 our last Annual Statement an increase of 2474 policies. The Fire and Live Stock Claims 
 for tiie year amounted in all to $103,575.03, of which $63,747.06 were for Ottawa claims of 
 the 17th August last. For other details, see Tabular Statement of the business of the 
 several Branches given elsewhere. 
 
 It will be seen, on examination of the Table of Assets and Liabilities, that the Com- 
 pany, notwithstanding the Ottawa losses, still possesses a surplus premium note capital of 
 
8 
 
 SECOND ANNUAL REPORT. 
 
 $78,120.94, which is the more remarkable, as other Mutual Compai^es have considerably 
 reduced or altogether lost their premium note capital. 
 
 On a late occasion, your Board did all in their power to secure the passage of p,n Act of 
 Parliament intended to restrain Cash Premium Policies within vnry strict limits, and they 
 hope yet to see some measure of the kind carried through the Legislature. 
 
 BY-LAWS. 
 
 By Act of the Dominion Legislature, 32 and 33 Vic. ch. 70, all the By-laws of the 
 Bea^ v and Toronto Mutual Companies were made applicable to the united Company. 
 As this creates some confusion, your Board have caused a new series of By-laws to be 
 submitted to you, which are recommended for your adoption. 
 
 ELECTION OF DIRECTORS. 
 
 You will be entitled to elect four Directors for three years, in the place of Messrs. 
 A. Barker, G. onider, J. Snell, and S. Thompson, who retire by rotation, but are eligible 
 for re-election ; and also one Director for one year, in place of J. Gregory, Esq., resigned 
 It will also be your privilege to nominate Honorary Directors in the place of those chosen 
 last year. 
 
 The Auditors* Report, Statement of Receipts and Expenditure, and of Assets and 
 Liabilities, and the Fire Inspector's Report, were also read, as given elsewhere. 
 
 After full discussion the Report was adopted, and twenty thousand copies ordered to 
 be printed for the use of members and policy-holders. 
 
 The following series of By-laws waa then moved and seconded, and adopted 
 unanimously : — 
 
 BY-LAWS. 
 
 I. This present Company is formed under Chapter 62 of the Consolidated Statutes of Upper 
 Canada, and is a body corporate and politic, by and under the name of " The Beaver and Toronto 
 Mutual Fire Insurance Company." 
 
 II. The Board of Directors of the Company shall consist of twelve members, but the number 
 may bo altered by By-Law of the Company at any Annual Meeting thereof, so as the fime be not less 
 than seven, nor more than fifteen. One-third of snch Directors shall retire annually by rotation. 
 
 III. A Vice-President shall be appointed by the Directors to act in the absence of the President 
 in all matters relating to his office. 
 
 IV. The business of the Company shall be separated into three branches : one to be called the 
 " Farmers' Branch," for the insurance of isolated buildings, and property not hazardous ; the second, 
 to be called the "Household Branch," for the insurance of isolated dwelli igs in Villages, Towns, and 
 Cities ; and thr third, to be called the " Mercantile Branch," for insuring buildings and property 
 hazardous and not hazardous ; Provided, that the Board of Directors may, in their discretion, at any 
 time unite the " Fanners' Branch" with the " Household Brancli " under the former name. 
 
 V. A Guarantee Capital may be raised, not exceeding the sum of $500,000, when the Board of 
 Directors shall deem it expedient, the rights of subscribers thereto to be declared by By-Law of 
 the Board, pursuant to section 31 of said chapter of the said Consolidated Statutes, and as a security 
 to the said subscribers the Directors may pledge not more than tvo-thlius of the Premium Notes of 
 the said Company, pursuant to the Statute 27 & 28 Victoria, chapter 88, section 6. 
 
 VI. A Reserve Fund, for the purpose of paying off any Guarantee Capital raised under the autho- 
 rity of the preceding By-law, may be created from year to year, whenever the Direotors shall so 
 determine. 
 
 VII. Debentures may be Issued, Promissory Notes of the Company may be made, bearing 
 interest, and Bills or Drafts may be made or accepted by the Directors, for the purposes and within 
 the limitations prescribed by law ; Provided always, that the manner in which this power is to be 
 exercised shall be defined and regulated by resolution of the Board before any such Debentures 
 are issued. 
 
 VIII. All Policies issued by the Company shall be under its corporate seal, signed by the Presi- 
 dent or Vice-President, and countersigned by the Secretary. 
 
SECOND ANNUAL REPORT. 
 
 9 
 
 rably 
 
 ctof 
 they 
 
 IX. Board meetings shall be held at the Office of the Company once in every montli, or as mucli 
 oftener as the Directors may find necessary. 
 
 X. The Directors shall be paid $3 (three dollars) each for every attendance at meetings of the 
 Board, and $2 (two dollars) each for attendance at each Committee meeting. 
 
 XI. The Annual Meeting of the Company shall be held in the Board Room, in the City of 
 Toronto, on the lhh*d Thursday in February, at one o'clock in the afternoon, or at such other day 
 and hour as the Directors may, by timely advertisement, appoint. 
 
 XII. The Corporate Seal of the Company shall be the same as that formerly used by the " Beaver 
 Mutual Fire Insurance Association," with the substitution of the present name of the Company. 
 
 XIII. The Board of Directors are liereby authorized to make arrangements for re-insurance with 
 other Fire Insurance Companies, or to re-insure the risks of any one of its several Branches with .any 
 other of such Branches. 
 
 XIV. Two Auditors shall be appointed by the Dii-ectors, to examine the Accounts of tlie Officers 
 of the Company, and report thereon to each Annual General Meeting. 
 
 XV. All By-Laws passed by the " Beaver Mutual Fire Insurance A.ssociation " and the " Toronto 
 Mutual Fire Insurance Company," respectively, are hereby repealed, in so far as they may be Incon- 
 sistent with any of the By-Laws passed this day, with the exception of any By-Law for the issue of 
 Guarantee Stock, under which there may be any paid-up stock not yet redeemed and paid oflf. 
 
 Messrs. Pellatt and Harris were appointed Auditors, 
 On the motion of Mr. Thompson, seconded by Mr. Madden, it was 
 Resolved, That it i'. desirable that every Director of this Company hereafter to be 
 elected should be a subscriber to Guarantee Stock of not less tlian one thousand dollars, 
 or be insured in this Company to the extent of twenty-five hundred dollars. 
 
 On the motion of Dr. A. A. Riddel, seconded by Mr. Madden, it was 
 
 Resolved, That the meeting confirms the special assessment made by the Directors on 
 the occasion of the fires in the Ottawa Valley, and declares its r proval of the steps taken 
 by the Board for the settlement of the heavy losses that occurred to the Company in con- 
 sequence of those fires. 
 
 On the motion of Mr. Denison, seconded by Mr. Barker, it was 
 
 Resolved, That the Board of Directors "be, and they are hereby autliorized to close the 
 Household Branch of this Company, by re-insuring all policies taken therein in the 
 Farmers' Branch ; and vhat they have also authority to make application to the Legis- 
 lature, in the name of tliis Company, to legalize the form.ition of a new Branch for Toronto 
 risks exclusively. 
 
 The following gentlemen were appointed Honorary Directors, viz, : 
 
 W. H. Berry, March; Thomas Bowles, Reeve, Chinguacousy ; Hon. Geoi'ge Bryson, 
 M.L.C., Pontiac ; James Dryden, Whitby; William Edwards, Clarence; T. Higginson, 
 West Hawkesbury ; H. S. Howland, York; Thomas McConkcj, M.P., Barrie ; J. Mc- 
 Dermott, Reeve of Wallace ; Hon. J. Simpson, Senator, Bowmanville ; George Snider, 
 Esq., M.P. , Owen Sound; John Ironsides, Esq., Fergus; J. Langton, Esq., Minden : 
 and C. S, Burroughs, Esq.- Lachute. 
 
 The meeting then proceeded to the election of Directors, when Messrs. A. Barker, of 
 Markham ; J. Snell, of Chinguacousy; S. Thompson, of Toronto; and John ClubiiiC, of 
 Newmarket, were elected for three years ; and J. S. Parker, of Owen Sound, for one year, 
 to fill a vacancy. 
 
 After resolutions of thanks to the President, Vice-President, and Officers, and also to 
 the Agents of the Company, the meeting separated. 
 
 A meeting of the Board of Directors was held subsequently, at which Charles E. 
 Chadwick, Esq., of IngersoU, was re-elected President, and D. Thurston, Esq., of Toronto, 
 Vice-President, for the current year. S. Thompson, Esq,, was re-appointed Managing 
 Director. 
 
10 
 
 SECOND ANNUAL REPORT. 
 
 STATEMENT OF EECEIPTS AND EXPENDITURE FOR THE YEAR 
 
 ENDING 31 ST DECEMBER, 1870. 
 
 Dr. 
 
 Cr. 
 
 RECEIPTS. 
 
 $ cts. 
 Balance of Cash in hand and in Oank, 
 
 31st Dtjcejnber, 1869 2,397 20 
 
 Cash Premiums and First Payments, less 
 
 Agents' fees 30,236 79 
 
 Assessments 02,234 09 
 
 Deposits 16 26 
 
 Guarantee Stock paid in 2,007 48 
 
 .SuBjiense Accomit — Casli received by 
 
 letter, without name of itarties...... 10 79 
 
 $07,562 61 
 
 EXPENDITUUE. 
 
 Fire Claims and Claims on Live 
 
 Stock $55,991 
 
 Less Reinsurance received ..... 4,461 
 
 $ cts. 
 
 &2 
 85 
 
 Reinsurance paid 
 
 Bills payable 
 
 Deposits repaid 
 
 Office I''urniturfl 
 
 Expenses : — 
 
 Directors Fees 
 
 Salaries 
 
 Commission 
 
 Interest 
 
 Interest on Guarantee Stock. 
 
 Settling Clahns 
 
 Legal 
 
 Advertising, Printing, and 
 Stationery 
 
 Postages 
 
 Auditing 
 
 Kent and Taxes 
 
 I'etty and Office Expenses ... 
 
 I'olicy writing 
 
 • 51,529 67 
 
 . 1,769 40 
 
 15,030 04 
 
 64 24 
 
 30 Oil 
 
 «2,027 
 6,985 
 7,002 
 1,317 
 
 885 
 2,192 
 
 017 
 
 900 
 1,344 
 200 
 400 
 385 
 290 
 
 Ca.sh in hand and in Bank. 
 
 05 
 20 
 .'■.(! 
 40 
 32 
 31 
 55 
 
 08 
 00 
 
 (III 
 
 00 
 93 
 I'j 
 
 — 24,608 76 
 ... 4,539 84 
 
 $97,502 01 
 
 We hereby certify the above statement of Receipts and Disbursements, for year ending 30th 
 December, 1871, to bo correct. 
 
 HENRY PELLAIT, U^bitors 
 GEO. B. HOLLAND, ^■*""™"^- 
 Toronto, 23rd March, 1871. 
 
 STATEMENT OF ASSETS AND LIABILITIES, .'Hst DECEMBER, 1870. 
 
 CASH assets. 
 
 S cts. 
 
 Ca.sh U) hand and in Bank $4,539 84 
 
 Short date Notes for llrst pay- 
 ments, and Cash in Agents' 
 
 hands 14,092 71 
 
 As.sessmeuts unpaid 40,083 41 
 
 Sundries 47193 
 
 05,187 89 
 
 OTHER ASSETS. 
 
 Premiun\ Notes liable to Assessment : 
 
 Farmer's Branch $it0,055 73 
 
 Mercantile '• 85,947 00 
 
 Household " 32,932 i3 
 
 214,935 52 
 Less Assessments thereon 130,343 70 
 
 78,591 76 
 
 Office Furniture 754 43 
 
 $144,534 08 
 
 CASH LIABILITIES. 
 
 $ cts. 
 Bills Payable, Including Fire 
 Claims settled, but not 
 
 matured $52,250 09 
 
 Claims since settled 3,090 00 
 
 SuiidricH 2,111 83 
 
 57,452 52 
 
 OTHER LIABILITIES. 
 
 Guarantee Stock paid up 8,900 02 
 
 60,413 14 
 Biilanccof Assets over Liabilities 78,120 94 
 
 ¥144,534 08 
 
 I i 
 
m 
 
 SECOND ANNUAL REPORT. 
 
 11 
 
 :'EAK 
 
 INSPECTOR'S REPORT. 
 
 I have the honour to report that, during the year ending December 31st, 1870, two 
 hundred and twenty-eight losses, in all Branches, have occurred. Of these, two hundreil 
 and nineteen have been adjusted, amounting to $100,738.03, Payment of seven claims has 
 been disputed, and two remain unadjusted, awaiting proofs of loss. 
 
 Of tlie above large number of claims, eighty-three arose out of the great fire on tlio 
 Ottawa River, on the 17th August, and ono hundred and forty-six were ordinary losses, 
 dasbified as follow!? : 
 
 ORDINARY LOSSES 
 
 Household Branch ' $1,991 79 
 
 Mercantile " (Cash System) 13,173 40 
 
 " " (Premium Note System) - ■ - 9,353 53 
 
 " Live Stock 1,091 00 
 
 Farmers' " 8,291 'J5 
 
 Settled since December 31 3,090 00 
 
 Total Ordinary Losses $36,990 97 
 
 on'AVVA LOSSES. 
 
 Farmers' Branch (Premium Note System) - - . - $27,031 66 
 
 Mercantile " (Cash System) 36,715 40 
 
 Total Ottawa Losses $63,747 C6 
 
 Total Adjusted Losses for the year $100,738 03 
 
 Disputed and refusal - - - - 2,755 00 
 
 Unsettled - - - - 82 00 
 
 Total -.--.-.-..- $103,575 03 
 
 It is to be regretted that during the year 1870, and since, several parties who had not 
 paid their assessments after repeated notifications, have nevertheless i)referred claims 
 which ihe Board could not entertain. The law on this subject is very strictly defined, and 
 it is quite unreasonable for any person to suppose that a Mutual Company can be expected 
 to comply with such demands, at the .very same time that he himself has done his best to 
 cripple its resources. 
 
 I append hereto a full list of claims of tlie past year, properly classified under their 
 
 re.spective heads. 
 
 All of which is respectfully submitted. 
 
 W. T. O'REILLY, 
 
 Inspector. 
 
 AUDITORS' REPORT. 
 
 Toronto, 23rd March, 1871. 
 To the President and Directors of the Beaver and Toronto M. F. I. Co. ; 
 
 Gentlemen : — We beg to report that we have examined the Books and Vouchers of 
 the Company for the year ending 31st December, 1870, and now enclose Statement of 
 Receipts and Disbursements, also Balance Slieet from the Company's Ledger, to same date, 
 all of which we have great pleasure in certifying as being correct. 
 
 We feel we would be neglecting our duty sliould we close our report witliout referring 
 to the prompt and liberal manner in which the very heavy assessment necessitated by the 
 calamitous fire in the Ottawa District has been met, which fact must be very gratifying to 
 the Directors, afibrding, as it does, tlie beat proof of the soundness of the nianagemout of 
 the institution. 
 
 All of which is most respectfully submitted. 
 
 Yours most respectfully, 
 
 HENRY PELLATT, 1 , ,.^ 
 mo. B. HOLLAND, i ^' "'''''''•'• 
 
12 
 
 SECOND ANNUAL REPORT. 
 
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SECOND ANNUAL REPORT. 
 
 13 
 
 O Pi 
 1 CO 
 
 '^S 
 
 OTTAWA FIRE CLAIMS, AUGUST 17, 1870. 
 
 FARMERS' BRANOH-FREMIUM NOTE SYSTEM 
 
 Name. 
 
 a 
 ■1 
 :. 
 
 f] 
 7 
 S 
 
 10 
 
 11 
 
 12 
 
 i;{ 
 
 14 
 
 If 
 ifi 
 
 17 
 18 
 19 
 •JO 
 ■2\ 
 
 •JO 
 
 •24 
 •2b 
 •Jti 
 •27 
 •28 
 •211 
 
 :!0 
 :il 
 3-2 
 
 Township. 
 
 Amount 
 
 of 
 Claim. 
 
 William Grimes , 
 
 Henry Edwards 
 
 John Christian 
 
 George Sho(ddieo ... 
 James and John Beaman 
 William Simmons ... 
 
 George Simmons 
 
 Timothy Moffatt 
 
 E. Iladmore 
 
 A. Moyd Siiiith 
 
 James Nesbitt 
 
 Mary Traveller 
 
 Reuben TraTcUer ... 
 
 William Byers 
 
 'ames Kelly 
 
 Georg3 Acres? 
 
 v\ illiam Hopkins ... 
 
 James Coombs... 
 
 William Pollock 
 
 J. O'Grady.perT. O'Grady 
 
 William McHridc , 
 
 Richard William Smith 
 
 Thomas Heron 
 
 A. Pritchard 
 
 William Graham 
 
 Thomas Graham 
 
 John Heonan 
 
 Berniird McKeiina 
 
 J. Sullivan 
 
 Henry Bishop 
 
 SaraJi Boucher 
 
 Thos. Sullivan 
 
 Hull $655 
 
 March 1,210 
 
 Nepean 266 
 
 Nepean 640 
 
 Nepean 1,500 
 
 Hull 2,000 
 
 Hull 1,160 
 
 Hull 1,270 
 
 Hull 1,421 
 
 March | 1,400 
 
 Nopeaii 600 
 
 Nepean i 268 
 
 Nepean 196 
 
 Nepean loo 
 
 Remarks. 
 
 Gloucester ] 650 
 
 S. March !)00 
 
 Gloucester J80 
 
 Gloucester 70 
 
 Nepean !»g0 
 
 Nepean 400 
 
 Huntley 200 
 
 Gloucester 574 
 
 Gloucester 496 
 
 Nejwan i 120 
 
 Nepean I 2,200 
 
 Nepean ; 2,400 
 
 Nepean j TOO 
 
 CJloueester | 725 
 
 Nepean | 800 
 
 Nepean 
 Nepean 
 Nepean 
 
 Less amount reinsured. 
 
 00 Barn, sheds and stable. 
 
 00 Dwelling house, outbuildings and contents. 
 
 00 Barn and contents. 
 
 00 Dwelling house, outbuildings and contents. 
 
 00 Outbuildings and conteiits. 
 
 00 Dwelling house, outbuildings and contents. 
 
 001 Dwelling house, outbuildings and contents. 
 49|Dwclling house, bam and contents. 
 2f)jDwelling house, outbuildings and contents 
 00 OuU)uildings and ccritents. 
 00|Dwelling house, wood shed and contents. 
 50 Barns and contents. 
 25 Outbuildings and contents. 
 00 Bam. 
 
 00 Dwelling house and outbuildings. 
 00 Dwelling house, outbuildings and contents. 
 00 Barn and contents. 
 00 Stable. 
 
 00 Dwelling house, outbuildings and contents. 
 Ofi Barn and contents. 
 00 Barn and contents. 
 25 Contents of dwelling and outbuildings. 
 75 Outbuildings and contents. 
 00 Dwelling house. 
 
 (ji' Dwelling house, outbuildings and contents. 
 (10 Dwolling house, outbuildings and contents. 
 00 Dwelling house, outbuildings and contents. 
 00 Dwelling house, outbuildings and contents. 
 <i0 Outbuildings and contents. 
 
 1,750 00 Dwelling house, outbuildings and contents. 
 yiiO Dwelling house, outbuildings and contents. 
 fiOS 17 Dwelling house, outbuildings and contents. 
 
 27031 66 
 1050 50 
 
 $25981 16 
 
 MERCANTILE BRANCH-CASH SYSTEM. 
 
 1 
 
 2 
 
 ;i 
 
 4 
 
 5 
 6 
 7 
 8 
 9 
 H 
 
 n 
 1'/ 
 
 13 
 14 
 
 If 
 
 16 
 17 
 
 If 
 If 
 
 2( 
 2) 
 2V 
 2i 
 24 
 2f 
 2C 
 27 
 2^ 
 
 Qoulburn .... 
 
 Huntley 
 
 Nepean 
 
 Huntley 
 
 Huntley 
 
 Huntley 
 
 Gloucester.... 
 
 March 
 
 South March. 
 South March. 
 
 Nepean , 
 
 Huntley ■ 
 
 March 
 
 Gloucester.... 
 
 Robert Grant 
 
 William Roe 
 
 A. S. Woodburn 
 
 George Burroughs , 
 
 William Kirwan 
 
 John llartin 
 
 R J. Gelhausen 
 
 Christopher Armstrong.., 
 
 ^atharino (lonolly 
 
 riinmas Richardson 
 
 I'rustops School S. No. 4. 
 
 lane Alexander 
 
 >li!)s Read 
 
 lohn Joyce 
 
 vlichaol Voung Nepean 
 
 David Hartiu Goulburn .... 
 
 Arthur Read South March.. 
 
 rt'illiam Smyth Torboltoa 
 
 Ilobei t Ncsliitt !March 
 
 lames Watt South March 
 
 Michael Rock Nepean 
 
 itobert Duncan South March. 
 
 t'rancis Armitage ^Torbolton .... 
 
 lohn Rock Nepean 
 
 II. itoucher jMarch 
 
 A'illiam Robertson March 
 
 lohn Robertson iMarch 
 
 John Bcatty.sr {March 
 
 II. Robillard Qlouuester.... 
 
 «2,300 00 
 
 500 00 
 
 1,175 00 
 
 1,821 00 
 
 475 00 
 
 60 00 
 
 50 00 
 
 760 00 
 
 400 (1(1 
 
 700 00 
 
 •201) 00 
 
 075 00 
 
 555 00 
 
 200 00 
 
 313 00 
 
 310 00 
 
 400 00 
 
 289 00 
 
 500 00 
 
 340 00 
 
 700 00 
 
 .572 40 
 
 250 00 
 
 500 00 
 
 500 00 
 
 480 00 
 
 500 00 
 
 1,470 00 
 
 60 00 
 
 Carried forward 1^17346 40 
 
 Furniture and outbuildings. 
 
 Outbuildings and contents. 
 
 A ricultural hall and drill-shetl. 
 
 Dwelling house, outbuildings and contents. 
 
 Dwelling house. 
 
 Stable. 
 
 Barn and contents. 
 
 Dwelling house, outbuildings and contents. 
 
 Dwelling house, outbuildinjis and contentF. 
 
 Dwelling house, outbuildings and contents. 
 
 School-house. 
 
 House, outbuildings and contents. 
 
 Dwelling barn, stable and contents. 
 
 Barn and contents. 
 
 Dwel'ing and contents. 
 
 Dwelling, stable and contents. 
 
 Dwelling house. 
 
 Dwelling house, outbuildings and contents. 
 
 Dwelling house, barn and contents. 
 
 Dwelling house, barn and contents. 
 
 Dwelling house, outbuildings and contents. 
 
 Dwelling house, barn and contents. 
 
 Outbuildings and contents. 
 
 Dwelling house, barn and contents. 
 
 Dwelling house, outbuildings and contents. 
 
 Dwelling house, outbuildings and contents. 
 
 Dwelling house, outbuildings and contents. 
 
 Dwelling house, outbuildings and contents. 
 
 Furniture damaged. 
 
14 
 
 SECOND ANNUAL REPORT. 
 OTTAWA FIRE CLAIMS— MERCANTILE BRANCH— CASH SYSTEiA— Continued. 
 
 6 
 
 Name. 
 
 Township. 
 
 Amount 
 
 of 
 Claim. 
 
 Remabks. 
 
 
 hrmmht forward 
 
 
 17,346 40 
 
 600 00 
 
 400 00 
 
 400 00 
 
 800 00 
 
 1,650 00 
 
 1,800 00 
 
 1,450 00 
 
 3,700 00 
 
 1,100 00 
 
 685 00 
 
 800 00 
 
 250 00 
 
 800 00 
 
 1,140 00 
 
 220 00 
 
 000 00 
 
 500 00 
 
 500 00 
 
 975 00 
 
 400 00 
 
 1,4C0 00 
 
 
 no 
 
 John Downey, jr 
 
 March 
 
 Dwelling house and outbuildingfi. 
 DwcllinfC house, outbuildings and contents. 
 Ham stable and contents. 
 
 31 
 
 \^ illlam Bradley 
 
 March 
 
 March 
 
 ;v' 
 
 Samuel Si.ssons 
 
 'V! 
 
 ^^ illiam Moonov....... 
 
 March 
 
 Dwelling house, barn and contents. 
 Dwelling house, outbuildings and cont(mt». 
 Dwelling house, outbuildings and contents. 
 Dwelling house, outbuildings and contents. 
 Outbuildings and contents. 
 Dwelling house, outbuildings and contents. 
 Dwelling house and outbuildings. 
 Contents of dwelling house. 
 
 Ill 
 
 Thoinivfl Boatty 
 
 Ncnean 
 
 :if) 
 
 Alexander Beatty 
 
 Wm. Graham (of the Bay) 
 John Robertson 
 
 
 'Ki 
 
 Nenean 
 
 1^7 
 
 Nenean 
 
 "8 
 
 Rev. James Sinclair 
 
 John Johnflton 
 
 March 
 
 :io 
 
 Hnntlov 
 
 40 
 
 Rev. James Godfrey 
 
 Samuel Courteney 
 
 Nelson Corbrtt 
 
 
 <n 
 
 
 4" 
 
 Goulburn 
 
 Barn stable and contents 
 
 4li 
 
 Richard Richardson 
 
 C. T. R. McNab 
 
 
 Dwelling house, outbuildings and contents. 
 
 41 
 
 March 
 
 45 
 
 •Tames Rolston 
 
 March 
 
 Dwelling house, outbuildings and contents. 
 
 Outbuildings. 
 
 Dwelling house and contents. 
 
 Dwelling house, barn, shod and contents. 
 
 Dwelling house, outbuildings and contents. 
 
 Dwelling house, outbuildings and contents. 
 
 46 
 
 William Ariruo 
 
 Qoulburn ••...•*.. 
 
 47 
 
 Thomas Allen 
 
 March 
 
 4S 
 
 U. II. Allen 
 
 March 
 
 40 
 
 Richard Nesbitt 
 
 March 
 
 Hull 
 
 M) 
 
 Charles rink 
 
 
 
 Less umount rei 
 
 nsurcd 
 
 36715 40 
 2430 77 
 
 
 
 
 
 
 $34284 63 
 
 
 FARMER'S BRANCH, FIRE CLAIMS, 1870. 
 (Not including Ottawa Fire Claims). 
 
 Name. 
 
 John Cameron 
 
 Ocorgc McKay 
 
 1' Davidson 
 
 Ucsideiice. 
 
 Holland 
 
 Sydenham 
 
 Osgood 
 
 
 Proton 
 
 Ann Garnsey 
 
 (ieorgc .lohuson ... 
 .lii». ilanimond ... 
 
 Tlupuias Moore 
 
 n. JIcEwuii 
 
 K Oliver 
 
 Vienna 
 
 Egreniont 
 
 Arran 
 
 
 Argenteuil ... 
 I\|ara 
 
 Kcv. A. Campbell.. 
 
 T. J Kcazin 
 
 .1. iVIontgomcry ... 
 William Devlin ... 
 
 (Jcorgc Brodie 
 
 E. Shore 
 
 S Tjinulv 
 
 Lochaber 
 
 Pickering 
 
 Enniskillon ... 
 Vaughan 
 
 g(;Ott 
 
 Collingwood ... 
 Watcrford 
 
 A Prit.fliard 
 
 Nencin 
 
 0. McCiillough ... 
 
 \V. IJraimigiin 
 
 Canicron&Edwards 
 
 Scarborough.. 
 
 Normanby 
 
 Thur'^o 
 
 Woo<lhouse .. 
 
 Isabella Russell ... 
 
 McNab 
 
 8 
 
 
 111 
 11 
 VI 
 
 v, 
 II 
 
 IT) 
 
 1(i 
 
 17 
 
 IS 
 
 1!) 
 
 •20 
 
 21 
 
 22 
 
 23 
 
 24 James Knott., 
 
 2ft Capt. .-ibbald 
 
 2(1 - • ■ 
 
 27 
 
 28 
 
 »2! 
 
 30 
 
 Jan. 
 
 (( 
 
 Feb. 
 
 t t 
 
 Mar. 
 
 33 
 34 
 3.-1 
 30 
 3' 
 
 William Robins .. 
 
 Ben. Butler 
 
 Rev. J. C. Lynch., 
 
 Jcs.sc Doran 
 
 I). .McLennon — 
 
 A. M<>Eauhcrn 
 
 Ouo. T. Shcwfclt. 
 
 A. Wilsim 
 
 llalph Kalar 
 
 W H. Richards . 
 James Doudly.... 
 A. U. Cam|)bell . 
 
 Date 
 
 of 
 Fire. 
 
 JEuphra-sia 
 Gcorgina 
 
 Alnwick 
 
 Woodliousc .. 
 Alumcttc IslM 
 Willianisbiii-^'h 
 Kincardine .., 
 
 Kgromoiit 
 
 Kincardine ... 
 
 Kilzroy 
 
 Stamford 
 
 Waterford 
 
 Buldnlph 
 
 Nissouri 
 
 May 
 
 I ( 
 
 June 
 i( 
 
 << 
 
 ti 
 
 (I 
 
 «< 
 
 July 
 
 i 4 
 l< 
 << 
 
 4< 
 
 ■ ( 
 
 Aug. 
 
 (4 
 (( 
 <( 
 
 Sept. 
 
 <( 
 
 it 
 
 Oct. 
 (I 
 
 (f 
 Nov. 
 
 10 
 
 1 
 
 1 
 
 3 
 14 
 27 
 20 
 23 
 31 
 11 
 11 
 13 
 1!) 
 20 
 29 
 18 
 20 
 22 
 23 
 23 
 
 4 
 23 
 
 •2r, 
 
 20 
 5 
 22 
 22 
 17 
 2(i 
 20 
 10 
 
 Amount 
 paid. 
 
 $5 
 
 11 
 
 15 
 
 3 
 
 25 
 
 176 
 
 30 
 
 13 
 
 10 
 
 200 
 
 6 
 
 735 
 
 30 
 
 758 
 
 5.54 
 
 445 
 
 10 
 
 022 
 
 COO 
 
 170 
 
 400 
 
 42C 
 
 100 
 
 05 
 
 C 
 
 3 
 
 COO 
 
 120 
 
 400 
 
 14 
 
 279 
 
 288 
 
 4;i8 
 
 mo 
 
 C 
 
 400 
 
 4 
 
 Remarks. 
 
 00 
 65 
 00 
 00 
 00 
 4ft 
 60 
 22 
 00 
 00 
 00 
 00 
 00 
 00 
 50 
 00 
 00 
 10 
 00 
 00 
 00 
 50 
 00 
 00 
 ftO 
 Oti 
 00 
 00 
 00 
 00 
 50 
 00 
 33 
 0(1 
 
 ou 
 
 00 
 00 
 
 Damage to school-house. — Vessel of ashes. 
 Clothing damaged — Si)ark from candle. 
 Damage to dwelling, — Bed too near stove pipe. 
 
 Damage to dwelling Cause tmknown. 
 
 Damage to dwelling. — Defective chimney. 
 Outbuildhigs and contents. — Incendiarism. 
 Damage to dwelling and contents — Spark from 
 Damage to dwelling — Kitchen stove, jstovo p. 
 Damage to dwelling.^Defective stove pipe. 
 Dwelling. — Cause uTiknown, 
 Damage to dwelling. — Sparks falling on roof. 
 Barn and contents. — Boy playing with matches. 
 Damage to dwelling. — Lightning 
 Outbuildings and contents. — Cause unknown. 
 Barn and contents.— Lightning. 
 Outbuildings. — Lightning. 
 Damage to hou.sc — Spark from chimney. 
 Outbuildings and Contents. — Drunken tramp. 
 House, barn, and their contents, — Boy playing 
 Contents of barn — Unknown, [with flrucrackenj 
 Barn and contents. — Cause unknown. 
 Barn and contents. — Lightning. 
 Barn and sheds. — Sparks from burning brush. 
 Damage to house. — Lightning. 
 Damage to house. — Lightning. 
 Damage to house. — Sjjarks on "-oof. 
 Bam and contents — Cause unknown. 
 Damage to Church. — Cause unknown. 
 Outbuildings and contents, — Hired man smoking. 
 Damage to dwelling. — Sparks from chinmey. 
 Barn and contents. — Cause unknown. 
 Barn and contents. — Sparks from biirningstumps 
 Damage to dwelling and contents.— Carrying Arc. 
 !<table and contents.— Cause unknown. 
 Damage to Dwelling. — Defect in Chimney. 
 Outbuitdinga and contents. — Incendiarism. 
 Damage to chickory kiln. — Broken brickwork. 
 
 $8291 25i 
 
SECOND ANNUAL REPORT. 
 
 15 
 
 HOUSEHOLD BRANCH-FIRE CLAIMS. 1870. 
 
 Or. McGregor 
 
 J. n. Williams 
 
 T. Creeper 
 
 Vie. Mn. K. Ins. Co 
 
 fj. T. Hungay 
 
 William Ovens 
 
 C. R. & S. Stcdman 
 W. Green 
 
 Residence. 
 
 Date 
 
 of 
 
 Fire. 
 
 Mar. 
 April 2 
 Juno 24 
 July 
 \xig. 2f) 
 Sept. 8 
 Oct. 25 
 Dec. 19 
 
 Amount 
 paid. 
 
 Cumminsvillo . 
 Ijinwood 
 
 $800 (10 
 
 500 00 
 
 7 00 
 
 5 33 
 
 57 00; 
 
 40 00 1 
 
 533 ?4 
 
 49 12 
 
 Hampton 
 
 Hamilton 
 
 Newtonvillo ... 
 Niapura 
 
 Brantford 
 
 
 «1991 79 
 
 Rkmarks. 
 
 House and contents. — Incendiarism. 
 
 House and contents Defective Hue. 
 
 Damage to Dwelling by a Are opposite. 
 
 Reinsurance. 
 
 Damage to Trinity Chunrli. — Cause unknown. 
 
 Damage to House. — Cai'cless use of a candle. 
 
 House. — Caught from adjoining preniiscii. 
 
 Damage to House and (.'ontcnts. — From lamp. 
 
 MERCANTILE BRANCH-CASH SYSTEM-FIRE CLAIMS. 1870. 
 (Not including Ottawa Fire Claims). 
 
 4 
 
 5 
 (< 
 
 h 
 <) 
 
 10 
 
 11 
 
 v.; 
 i:; 
 1-1 
 1 
 
 Ui 
 
 1 
 
 18 
 10 
 •JO 
 *> 
 
 2: 
 
 2; 
 
 24 
 
 25 
 
 2t; 
 
 27 
 •2H 
 2!l 
 
 ;io 
 
 32 
 
 a: 
 
 34 
 36 
 3( 
 
 D. McDonell 
 
 D.Callahan 
 
 Thomas Clark , 
 
 Clark &Whitakor, 
 
 Hannah Uond 
 
 II. Haddock 
 
 William Spencer ... 
 K. &, J. Stephens ... 
 I. A. Glasgow 
 
 Name. 
 
 Residence, 
 
 lohn Anson 
 
 (loorge Cowan 
 
 Koyal McOregor .. 
 •lames Whalcn..... 
 W. k A. Colborne 
 
 II. Haines 
 
 K. Uryans 
 
 .lohn Craino 
 
 R. A. Gray 
 
 John Bruce 
 
 W. Sotheran 
 
 J. II. Ivlink 
 
 (opoph Nephew ... 
 II. yurkholdcr.... 
 
 .lohn Dale 
 
 II. Wriiiht 
 
 M. Armstrong .... 
 
 J. Pretty 
 
 S. Thompson 
 
 J. A. Townsond .... 
 
 (jiriico Morton 
 
 Martha Crowd! ... 
 
 .tames Craven 
 
 0. & R. Beatty 
 
 Jacob Nixon 
 
 Thomas Alderson... 
 
 George Playter 
 
 Gore M. V. Ins. Co 
 3S D.Smith 
 
 39 Rev. Q. Jamieson... 
 
 40 William Gray 
 
 41 John Egun 
 
 42 Robert Wilson 
 
 43 William Baylies .. 
 
 44 K Berry 
 
 4.5 John Chapman .... 
 4i> .Mrs. Wilkinson .... 
 47 K. II. Syer , 
 
 45 Cath. Whitmoro ... 
 
 4!t B. Cooper 
 
 60 James Storey 
 
 51 Dr. McLauchlin ... 
 
 Date 
 
 of 
 Fire. 
 
 Osgoode .... 
 Brantford . 
 
 York 
 
 York 
 
 York 
 
 Mono 
 
 Keppel .... 
 Tecumseth. 
 Winchester 
 Pickering . 
 Tniiisfll .... 
 Whitby East... 
 Scarborough . 
 Greenock .... 
 
 I'uslinch 
 
 Grey 
 
 Wolfe Island. 
 Markham .... 
 Cartwright.... 
 
 llowick 
 
 Markham 
 
 Winchester .... 
 
 Vaughan 
 
 Toronto Tp. ... 
 
 Artemosia 
 
 Glcnclg 
 
 Pittsburgh 
 
 Vaughau 
 
 Townsend 
 
 .Mono 
 
 Kluia 
 
 Toronto Qoro... 
 
 Albion 
 
 Caledon East... 
 
 Essa 
 
 Whitchurch.... 
 
 Gait 
 
 Etobicoko 
 
 Reach 
 
 Elzevir 
 
 Manvors 
 
 Adjala 
 
 Keppel 
 
 Townsend 
 
 York 
 
 Eglington 
 
 York 
 
 Vaughan 
 
 Waterford 
 
 Elmsloy , 
 
 Darlington 
 
 Jan. 
 
 << 
 
 Feb. 
 
 << 
 tt 
 
 Mar. 
 
 tt 
 
 «< 
 
 (( 
 {« 
 
 April 
 (i 
 
 May 
 (t 
 
 <( 
 
 i( 
 
 .i 
 tt 
 
 Juno 
 
 July 
 
 Aug. 
 
 Sept, 
 Oct. 
 
 Amount 
 ])aid. 
 
 Nov. 
 
 Dec. 
 
 12 
 23 
 11 
 11 
 11 
 10 
 11 
 10 
 21 
 25 
 2t) 
 
 •1 
 
 13 
 8 
 
 20 
 22 
 25 
 28 
 30 
 2 
 
 O 
 
 4 
 
 8 
 22 
 22 
 23 
 14 
 20 
 20 
 20 
 20 
 20 
 20 
 20 
 23 
 23 
 
 8 
 
 22 
 14 
 
 15 
 21 
 25 
 
 28 
 2 
 
 2 
 23 
 28 
 
 8 
 15 
 
 $50 
 
 875 
 
 295 
 
 160 
 
 200 
 
 6 
 
 4 
 
 626 
 
 32 
 
 8 
 
 2 
 
 10 
 
 350 
 
 279 
 
 749 
 
 12 
 
 248 
 
 500 
 
 390 
 
 104 
 
 00 
 
 300 
 
 21 
 
 19S 
 
 100 
 
 443 
 
 400 
 
 700 
 
 25 
 
 20 
 
 400 
 
 15 
 
 20 
 
 20 
 
 50 
 
 300 
 
 •> 
 
 l.'iO 
 
 75 
 
 500 
 
 290 
 
 31 
 
 GOO 
 
 150 
 
 250 
 
 1000 
 
 COO 
 
 250 
 
 125 
 
 1350 
 
 9U 
 
 Remarks. 
 
 00 Contents of dwelling — Carrying lighted caudles. 
 
 (10 Stock of Boots and Shoe store. — Cause unknown. 
 
 10 Contents of Barn. — Incendiarism. 
 
 00 Threshing Machine. — Incendiarism. 
 
 00 Barn. — Incendiarism. 
 
 00 Damage to dwelling. — Defective stovepipe. 
 
 00 Damage to School-house. — Defective stovepipe. 
 
 00 Dwelling and contents. — Defective stovepipe. 
 
 50 Damage to ditto From adjoining premises. 
 
 00 Damage to dwelling. — Defective stove. 
 
 50 Damage to dwelling. — Sparks falling on roof. 
 
 00 Contents of Barn. — Cause unknown. 
 
 00 Contents of Outbuildings. — Lightning. 
 
 55 Contents of Outbuildings. — Cause unknown. 
 
 00 Outbuildings and contents — Cause unknown. 
 
 00 Damage to Barn. — Lightning. 
 
 00 Ham and contents. — Cause unknown. 
 
 00 Hotel Burnt Caught from a flre opposite. 
 
 00 House and contents. — Defective Hue. 
 
 Oo Outbuildings and contents. — Burning stumps. 
 
 00 Contents of Outbuildings. — Burning stumps. 
 
 00 Barn and contents. — Cau.ie unknown. 
 
 25 House damaged — Lightning. 
 
 ■SO Stable and contents. — Incendiari.fni. 
 
 00 Barn. — Cause unknown. 
 
 25 Outbuildings and contents. — Incendiarism. 
 
 00 Outbuildings and contents Stranger smoking. 
 
 00 Outbuildings and contents. — Lightning. 
 
 00 House damaged. — Lightning. 
 
 00 Waggon burnt — Burning stumps. 
 
 00 Barn and contents. — Lightning. 
 
 0(1 Damage to Barn. — Lightning. 
 
 00 Damage to Barn. — Lightning. 
 
 00 Damage to Barn Lightning. 
 
 00 Damage to Barn. — Lightning. 
 
 00 Driving-house Lightning. , 
 
 45 Re-insuranco. 
 
 00 Dwelling. — Defective stovepipe. 
 
 00 Dwelling damaged. — From cooking stove. 
 
 00 Dwelling and contents. — Defect in chimney. 
 
 00 Dwelling. — Sparks from stovepipe. 
 
 13173 40 
 
 Damage to dwelling.— Carrying lighted candles. 
 Contents of Barn. — Lightning. 
 Dwelling. — Cause unknown. 
 Barn and contents. — Incendiarism. 
 
 Dwelling Cause unknown. 
 
 Contents of dwelling. — Cause unknown. 
 Dwelling. — Cause unknown. 
 Dwelling. — Cause unknown. 
 Barn and contents. — Cause unknown. 
 Damage to dwelling — Sparks from grate. 
 
16 
 
 SECOND ANNUAL REPORT. 
 
 MERCANTILE BRANCH-PREMIUM NOTE SYSTEM-FIRE CLAIMS, 1870. 
 
 6 
 
 7 
 
 8 
 
 !» 
 
 10 
 
 11 
 
 12 
 
 la 
 
 14 
 U> 
 10 
 17 
 
 W. Ilaiul 
 
 Maria MoCartliy ... 
 
 Bill.i Flint 
 
 ITininas Smith 
 
 Ann Jenkins 
 
 P. O'Connor 
 
 W. L. Hicks & Co... 
 Willing &VVickham 
 
 John Tilt 
 
 William Par-sons ... 
 
 R. Harrop 
 
 James May 
 
 J. & D. Still 
 
 S. McClure 
 
 A. Wright 
 
 C. O. Wilson 
 
 J. S. Tracey 
 
 Residence. 
 
 Mnlmur 
 
 Bogartown 
 Uridgewator 
 
 Duriiam 
 
 Hampton ... 
 
 Dnndau 
 
 Caledonia ... 
 Ailsa Craig... 
 Orange villc 
 Orangeville 
 Orangoville 
 Orangcvillo 
 Orangeville 
 Kincardine 
 
 Modoc 
 
 Madoc 
 
 Cheltenham 
 
 Date 
 of 
 
 Loss. 
 
 Amount 
 
 paid. 
 
 Feb. 23 
 
 ^!> 00 
 
 Mar. 14 
 
 460 00 
 
 May 11 
 
 135 53 
 
 June 8 
 
 17 50 
 
 24 
 
 270 00 
 
 " 28 
 
 600 00 
 
 July 22 
 
 60 00 
 
 Aug. 2a 
 
 2805 00 
 
 Oct. 14 
 
 760 00 
 
 <( 1^ 
 
 1000 00 
 
 << l4 
 
 10 00 
 
 ** 14 
 
 25 00 
 
 ** 14 
 
 850 60 
 
 28 
 
 600 00 
 
 Nov. 7 
 
 725 00 
 
 ** 7 
 
 800 00 
 
 " 24 
 
 200 00 
 
 
 .$9353 63 
 
 Remarks. 
 
 Damage to House and contents. -Cause unknown. 
 Hotel bunit. — Incendiarisni. 
 Hotel damaged from luljoining promises. 
 Damage to stable and contents. — Incendiaribm. 
 House and contents. — Caught from next hou.se. 
 Two dwellings burnt — From ailjoining' premises. 
 Mill damaged. — From smut machine. 
 Steam Mill destroyed — Cause unknown. ,' 
 
 Stock of Slioe Store From adjoining premises. 
 
 Stock of Hardware. — From adjoining premises. 
 Damage to Funiiturc. — From adjoining premises. 
 Damage to Building. — P'roni mljoining premises. 
 Hotel, Public Hall, and Stable burnt. — Ditto. 
 Dwelling and Harness Shop. — Cau.se unknown. 
 Store and Bakery. — From adjoining premises. 
 Drug Store and Stock. — Caught from ditto. 
 Contents of Hotel. — Catight from a^ljoining do. 
 
 MERCANTILE BRANCH-LIVE STOCK CLAIMS. 1870. 
 
 1 
 2 
 3 
 4 
 5 
 6 
 7 
 8 
 !> 
 10 
 11 
 
 George Robinson 
 
 A. Cro.s.son 
 
 John Lawrence 
 
 M. Callahan 
 
 S. Tomlinson 
 
 James Armonr 
 
 J. Richards 
 
 Arch. McDoyald . . 
 
 .lames Hyde 
 
 Walter Fiudlay 
 
 John Ackrow 
 
 l2|Thomi».s Spencer ... 
 
 13 W. J. Featherstone 
 
 14 A. Spenco 
 
 
 Vaughan jFeb. 
 
 Mar. 
 
 April 
 
 Vaughan 
 
 York 
 
 Emily.... 
 
 Brantford jJunc 
 
 York 'July 
 
 Vaughan I " 
 
 Burford Sep. 
 
 Anson 
 
 Westmeath 
 Etobicoko .. 
 Brantford . 
 
 Huntley 
 
 Brantford . 
 
 Nov, 
 Dec. 
 
 $100 
 
 33 
 
 80 
 
 60 
 
 20 
 
 120 
 
 50 
 
 iW 
 
 Oil 
 
 80 
 
 100 
 
 120 
 
 130 
 
 12 
 
 Gcldin},'. — Kupttu'e. 
 
 Cow.— Broken leg. 
 
 Mare. — Falling shed. 
 
 Gelding. — Yellow water. 
 
 Cow. — Bloody nuirrain. [fence. 
 
 Marc— Ran a slake into her breast in jumping a 
 
 Marc. — Inflammation of uterus. 
 
 Gelding. — Bite of a snake. 
 
 Gelding.— Botts. 
 
 .Mare. — Inflammation. 
 
 Gelding.— Inflammation. 
 
 Gelding. — Paralysis. 
 
 Stallion. — Inflammation. 
 
 Cow.— Broken Icp;. 
 
 «1091 001 
 
 CLAIMS SETTLED SINCE DECEMBER 31st. 1870. 
 
 V.W EVms ...... 
 
 2! Wm. Kerby 
 
 VI. N. Bentzen 
 
 Thomivs .Morgan ... 
 Alexander Moir ... 
 W. L. Hicks&Co... 
 
 John Thomas 
 
 Joseph Fo.stcr 
 
 H. Lane 
 
 S. Moor 
 
 Vaughan Feb. 12 
 
 Vaughan lOct. 20 
 
 Bothwcll iNov. 10 
 
 Bidduli)h ! " 15 
 
 Luther Dec. 7 
 
 Caledonia " 5 
 
 Menden " 14 
 
 Orangeville .. " 24 
 
 Bayfield " 27 
 
 Keppel ! " 30 
 
 Barn and contents. — Spark from lantcni. 
 
 Straw stack. — Incendiarism. 
 
 Damage to dwelling. — Accidental. 
 
 Barn.— Incendiarism. 
 
 Barn and contents — Upsetting lantern. 
 
 Mill burned. -Cause unknown. 
 
 Dwelling and contents. — Cau.se unknown. 
 
 Gelding — Hoof disea.se. 
 
 Stallion — Inflammation. 
 
 Barn and contents. — Incendiarism. 
 
 DISPUTED AND REFUSED CLAIMS, 1870. 
 
 F Sherbineau 
 
 James McKay 
 
 George Norton .. 
 
 K. Boynton 
 
 John Green 
 
 James McDonnell. 
 Lyman McEown... 
 
 Elzevir 
 
 Nottawa-saga... 
 
 Greenock 
 
 Reach 
 
 Hillsburgh .... 
 
 Huron 
 
 Springfield 
 
 Nov. 11 
 
 8150 00 
 
 Aug. 23 
 
 000 00 
 
 May 8 
 
 200 00 
 
 8ept 13 
 
 1000 00 
 
 Oct. 11 
 
 000 00 
 
 Oct. 
 
 5 00 
 
 Dec. 29 
 
 300 00 
 
 
 .■J2755 00 
 
 Barn. — Incendiarisni. 
 
 Bam and contents. — Assessments unpaid. 
 
 Barn — Double insurance. 
 
 Contents of Bam. — Assessments unpaid. 
 
 Assessments not paid. 
 
 UNSETTLED CLAIMS. 1870- 
 
 Allen Grant 
 
 VV. Kirkpatrick 
 
 Fitzroy 
 
 Dec. 6 
 Aug — 
 
 ^70 00 
 
 Proof not received.— Live Stock. 
 
 Do. probably $12 Damage to building. 
 
and to tban* y*"* **" ' ii-.i. IB70 
 
 N.P.A», S'P'"»Xi nundred ami 
 , ♦».. Beft^er «md Toronto In^ranM V.omp»«y. »J° ^^ content-, 
 
 ^ Nbp«a», Septftinber I7ih. Ib70. 
 
 „S.U. .'r »J 'W"' Nw.*«, s«P"»''?r "t, .'b. .»» 
 
 „„« the B..«r ami Toronto M«tu.l Fir. '»•"";'» ''^"JS of iu.u- 
 
 "T^-.'SXS'^'^'^^'^'- '«''■ ' ''""° """" THOMAS BEATTV. 
 rX?.U.-P-P'-""-°'- SOOTH M*«o. S.p.^^.r.O.'.. 870^^^^ 
 
 Five Hundred DoUart. asj y^^^^^^ ^^^^^ p^^^,, ^o. 27i>66. ^^j^^^^, ^g^g,^,^ 
 
 UIE9 on 1 1 *'* «»»6— ^ ir70 
 
 prompt wttlement. g^^^^ M^^cH. September .Otb. le <u. ^ ^^ 
 
 Three »«°i^*J.,^t Ya«' S^«^ "'*^'^' ^^^''^ i ^ W LLUM MUONE\% 
 
 K.O..V.. 0. B..,.r .na Toroo.0 ^J:'^^. W' li -, O.U. 
 
 "" HoLt, September 2l8t,l8<0^^^^^ 
 
 .of the Beaver and Toronto Mutual f i- ^i "g" tb\ ^mX^of in.ur- 
 
 RBOEiVBD of tbe ^73:A,"_. -ni Forty-nine Cent?, tt *'«'»|;"*',g;o and covered 
 
 Hundred -"ISeventy^DoUars^^^^^ y^^ tSpt lu^ 1 b ml s^ttlemeut, 
 
 ^ n^ n toT 8, Septfember, l87^*. 
 
 MASVEE8, Con. 8, J^ot o ^v^^^^^^^ Company; 
 
 of Two Hundred PoUarH, bj^ ;\;ji ,f ^u claim.. 
 1870, under Policy lH^o, »»« *» 
 
Ottawa. September 26tli. 1870. 
 Ueceivep from the Beaver nnil Toronto Mutuiil IiiHurnnce C impnny the Himi of 
 Fourteen Iluudred Dollars ns pftjment in full for tlic Ions of my outbuililinga uid con- 
 teijls by fire on 17tli August, 1870, insured under j)oIioy No. liii4U9. Wiih miiuv 
 I Imuks for prompt and Pfttinfaotory BWtk'ment. .Mk.m. AlirilUll LI.(JVI) SMI 111. 
 
 OrTAWA, September 2Gtli, 1870. 
 lUx'Eiviii) from the Beaver and Toronto Mutual Innurance Company the sum of Two 
 Hundred and Twenty Dollars, in full for uiy claim for the loss ,f my hay mown, under 
 I'olicy Nf . 803*2r). With many thanks for the ^ atisfactory manner in which my clain> 
 has been settled. C. R. 8. MoNAR. 
 
 Ottawa, September 2Gth, 1870. 
 Received of the Beaver and Toronto Mutual Fieo Insurance Company Nine Hun- 
 <lred Dollars, being for my insurance under Policy '29438, for the destruction of m\ . 
 property by fire on the night of the 17th of August, 1H70. 1 feel under obligation foV 
 ihis prompt and liberal settlement. SARAH BOlTCllKll. 
 
 (Jlouoester, September 27th, 1870. 
 Reoeiveb from the Beaver and Toronto Mutual Fire Insurance Company the sum 
 of Two Hundred Dollars, being the amount in full of my claim of insurance under 
 Policy No 27625. 1 beg to return them my sincere thanks for their liberal and promj.! 
 settlement of my claim. JOHN JOYCE. 
 
 OtoiJCESTER, September 27th, 1870. 
 Received from the Beaver and Toronto Mutual Fire Insurance Company the sum 
 of One Hundred and Eiphty Dollars, biing the amount in full of my claim of insur- 
 ance *inder Policy No. 22970, on my barn and contents, destroyed by fire on the night 
 of the 17th August. 1870. for which I beg to return the Company my sincere thanks for 
 their prompt and liberal settlement of my claim. WILLIAM HOPKINS. 
 
 Orangevilce, October 20th, 1870. 
 
 To thp President and Directors, Beaver and Toronto Mutual Firo Insurance Com- 
 pany, Toronto : — Gentlemen, — It gives me gre it pleasure to acknowledge the receipt 
 of One Ihou^nnd Dollars, being payment in full of my claim for loss of stock in the 
 ilisattrous fire on the 14th inst,, and I am anxious to express my sense of the honorable 
 and liberal manner in which the investigation of my claim was conducted and the 
 prompt way in which it was paiil. VVM. PARSONS. 
 
 Orangevillb, October 2Gth, 1870. 
 
 Received from the Beaver and Toronto Mutual Fire Insuraiice Company, the sum 
 of Eight Hundred and Fifty Dollars, in full of our claim for loss by firo under Policy 
 No. 4083. DAVID STILL. JOHN STILL. 
 
 Kepi-ei,, Con. 17, Lot 33, October 29th, 1870. 
 
 To TiiR Manager of the Beaver and Toronto Mutual Insurance Company : — 
 .Sir, — I have to acknowledge payment in full from your Company for the loss of my 
 Barn .and ordinary contents, insured in your Company under Policy No. 31250, amount 
 bei'g Three Hundred Dollars. The origin of the fire was lightning, and occurred on 
 the 21st instant ; and I have to thank you for your very great promptness iu this mat- 
 ter, having been paid one week after loss, which should certainly recommend your 
 Company to iutrnded insurers, in preference to other.s. One of my neighbours lost 
 beavily by fire about three months ago, insured in another office, and I hear has not 
 been settled with yet. I have also to thank .Mr. 11. J. Doyle for the honourable manner 
 in which he has aujusted ray claim. WILLIAM BAYLISS. 
 
 Madoc. November 28th. 1870. 
 V/ T, O'Reilly, Esq. — Dear Sir, — Your favour of 21th inst,, inclosing draft for 
 Seven Huudri.^d and Ninety-three Dollars and Twenty thiee Cents, being amount of my 
 claim for loss by liro, is to hand. Please accept my thanks for the prompt settlement 
 of said claim. CHARLES J. WILSON. 
 
 Madoc, November 30th, 1870. 
 H Hancock. Esq.. Secretary of the Beaver and Toronto Insurance Company: — 
 Dear Sir, — Please convey my thanks to the Company for their promptness in settling 
 my claim,' Seven Hundred and Eight Dollars, by draft, on the 24th November. 
 
 ANDREW WRIGHT. 
 
 Minden, December 20th, 1870. 
 Received from J. Langton, for Beaver and Toronto Mutual Fire Insurance (!om- 
 pany, Post-uiBce Order for amount of Ninety Dollars, being settlement iu full of claim 
 for loss of horse. JAMES HYDE. 
 
 Kincardine, December 2Sth, 1870. 
 Received from the Beaver and Toronto Mutual Fire Insurance Company, a draft 
 for Six Hundred Dollars, said payment being in full for loss of Buildings insured under 
 Policy 1232. JOHN DONALD. SAMUEL McCLURE 
 
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