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 /APPLIED .s IIVMGE . Inc 
 
 ^s 1653 East Main street 
 ^^Fi Rocttester. NY 14609 USA 
 ^^"jS Phone: 716/462-0300 
 f^J^ Fax: 716/286-5969 
 
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'ili-r) 
 
 AQBICUUUItAi. 
 
 KDTDE ASSIMGB ASSOCIATION 
 
 OF G^NA.33A.. 
 
 -00- 
 
 REVISED CODE 
 
 or 
 
 ADOPTED 26TI^yEB., 1 87 2. 
 
 LONDON, ONT. : 
 
 PRINTED BT THB FREE PRESS PRINTINO CO., RICHMOND STREET. 
 
 mi 
 
• o 
 
 »o - 
 
 AQBICUITUflAt 
 
 niTDAL ASSDHANGE ASSOCIATION 
 
 OF ca,:n^^da.. 
 
 ■00— 
 
 REVISED CODE 
 
 OF 
 
 Imtm^mii^ u %gtiii$> 
 
 ADOPTED 26th FEB., 1 87 2. 
 
 LONDON, ONT. : 
 
 PRTNTID BT THE VKttX PRXS8 PRINTIKO CO., BICHMOND 8TRIET. 
 
 1872. 
 
 miM 
 
A HI 
 
 mm 
 
REVISED CODE 
 
 or 
 
 INSTRUCTIONS TO AGENTS. 
 
 .A.3?I>IlO"SrElD FSS. Se, 18*78. 
 
 0»iio«11lBV all Formerly iMued InatnicUons which ar* Inooa. 
 
 Biatent Therewith. 
 
 «i ^ i> 
 
 MEMO.- 
 
 Agents will carefully note changes made in thii 
 Edition. 
 
 1. In appointiu^ a person to be an Agent, the Board of 
 Directors act ola the supposition that he is of, at least, 
 averitfie intelligence, thoroughly honest, and has a fair 
 knowledge of the ordinary forms of business. If he falls 
 short in any of these respects, he is unfit for the position. 
 He ought to be active and considerate — practising the 
 greatest candor and fair dealing with every person, by 
 which course he will advance the interests of the Com- 
 
 Eanv, and best subserve his own. To certify to anything 
 e knows to be incorrect, or, what is about the same 
 thing, to anything he does not know to be correct, no 
 honorable person would think of doing, nor can it, for a 
 moment, be tolerated. Any occurrence, or seemingly 
 well-founded rumor, affecting the Company, that comes 
 
 cating. He shomd thoroughly study his instructions and 
 act up to them. 
 
Applications. 
 
 2. The blank forms with directions on them, furnished 
 for taking these, will indicate to a great extent how it i« 
 mnJ^ffT. w-P^t 24 is given a form showing the 
 
 3. It is to be borne in mind that this is purely a Farm- 
 ers' Association, for the insurance of FarmVo^rty, and 
 nothing more hazardous. Farm Buildings, Private iwel- 
 ling-houses, the out-houses belonging to them, Country 
 ScEool-houses, Churches and Meeting-houses, >dth thefr 
 
 TW^^* f^ Hf •^ ^^^^" '"^ «*^^«» »r« instable No 
 tS.Ti ?!• ^''''^* ^^?^' Factories, or anything of that 
 
 such buildme, or within 200 feet of any one in which 
 steam is used as^a motive power, or within 70 feet of a 
 u:^J"^V *°^*'^* buUding within 10 rods of uncleared 
 and. Cheese Factories are not intended to be prohi- 
 ^^^Ja^^ Agncultural, Township, or Temperance Halls, 
 or the like ; and pnvate workshops for the use of the 
 farm only, will not vitiate the risk 
 
 As regards Cities, Towns and Villages, good private 
 dwehngs and their out-buildings situatei thereiS, wid 
 not less than 70 feet from another party's buildings' will 
 be insured : but the applications relating to such Kr 
 t^es must be specially submitted to the Board, the AgTnt 
 giving a conditional Intenm Receipt as laid down inSec- 
 tion 34. 
 
 1 1* J^® Application will bear date of the day it is com- 
 pleted, and there must be a separate sum both for Insur- 
 ance and venation, set on each separate building : though 
 buddings adjom each other, that makes no diflference. 
 
 «„?\*^?^- ^""^ V^^ cover the "ordinary contents" of 
 out-bmldmgs not over 40 feet from each other, provided 
 such buildings are shown on diagram attached to the 
 apphcation ; also Hay, Grain and Straw in stacks nnt 
 over that distance from the buildings. If the bSuCs 
 we upwards of that distance apart, a separate sum muf t 
 r-?^^-^°. *^® contents of each, or each block, if 
 w«u^ w ue insured, ii the Stacks are further off from 
 the Bam, or other out-buildings. a separate sum must be 
 placed on each stack or group of stacks, as the case may 
 
3h 
 
 be. A stack will not be considered to belong to the 
 group, if more than 12 feet from it. There must be no 
 uncleared land within 20 rods of such stack or stacks, 
 nor any building in which fire is used within 130 feet, nor 
 a Railway Track within 200 feet thereof. Contents of 
 buildings must be in them to be insured. 
 
 6. The term " ordinary contents " applied to a dwelling- 
 house, will cover household furniture, wearing apparel, 
 provisions, root crops, wool, threshed grain, dairy pro- 
 ducts, the tools in common use on a farm, robes, saiddlcry 
 (but not harness), and nothing else. As applied to out- 
 buildingSj it will cover farm produce genendfy, live stock, 
 farming implements, including carriages and sadm^ery, 
 but not including Threshing Machinos, and only one 
 Reaper & Mower, and that the best one on the place ; 
 such articles must be bona fide the property of the 
 applicant. As regards School-houses, the furniture of 
 the school, printed bookp, maps, globes (not more than 
 the actual cost to the Section to be allowed in any case 
 on these last named articles). As regards Churches, such 
 articles as are usually kept or used therein, the property 
 of the congregation, but not musical instruments. As 
 regards Cheese Factories, milk, cheese, butter, and the 
 necessary appliances for the manufacture. As regards 
 Halls or Meeting Houses, the furniture therein, such as 
 tables, seats, or benches, stoves and pipes therein, and 
 nothing else. 
 
 The seats and desks in School-houses, Churche*, Halls, 
 or Meeting Houses, wfien fixture'*, are not regarded as 
 ordinary contents. 
 
 Lumber for the use of the farm is insurable to the 
 •xtentof $60; it must be contained in an out-building 
 and specifically insured. Live Stock in enclosed fields on 
 the farm are insured against death by lightning. J 
 
 7. If Jewellery, Plate or Plated Ware, Pictures, Paint- 
 ings, Sculpture, Printed Books or Musical Instruments, 
 are desired to be insured, a separate sum must be placed 
 on each head, and, excepting Dooks, a list of the articles 
 be given, to accompany the Application. [See Section 36.] 
 
 8. The owner or occupier of a Cheese or Butter Fac- 
 
 belonging to himself or his " patrons "—if to the iatter, 
 of course for their benefit. 
 
h.^A JJf k!* ^ contained on the face of the Application ia 
 
 by hi. .^u~ 'r„*S ^? t" *PP^'*^*"^' »"^ •uthenticated 
 Dv bia aignature, and it becomes a part of his Policy 
 
 After he signa it no additions oralteraUons must be S 
 
 without his consent, to be indicated by his affixing hiS 
 
 lhlf!± *^7'l^' ^'•' ".**»« "^ °f ^^ imterate S. by 
 the second witness doing the like. To alter a^appl ca 
 
 tion unknown to the maTcer, is nothing else than fSfgery 
 
 ^n ^thetSk'Tth^ 1«T ^.^ *^ '^'' "^^^ ^ ^S 
 on tne back of the Application, or on a slip of oaner 
 
 appended to it, such sfip, for idintificationrfoSurthe 
 
 ab^yetif ^1*^ ^^"' *^« *P^"«^"* ^^ ^ ^^ten 
 
 «ii^' *^^®?** yn^l**^6 especial care that every applicant 
 reads the Application oyer after it is completed ffi up 
 or else, that the Agent reads it oyer to himi Sv h?s' 
 
 rbTJe^irted*^'^' ^""^'^°"- ^^ °^«^«** ^^ *»^^« '"^^ 
 
 U8ing dark ink. There must be no room left for mistak- 
 Kn?®' names that is, names of persons and places. 
 
 InA^Ui^' ?®S- ^^"^ ^?? ^"*^"«' ^"* *h»* i* ^ distinct 
 ana plain is indispensable. 
 
 ^12. Neyer write any important part of an application 
 new blank*" ®"**"™' "'' oWiteration— if necessary, use a 
 
 i«,i?ii!®**^®J*?«'®«f*H*n*<'"nt proposed to be insured 
 
 t^mi 3^»w?K •? ♦* ^^j'®'* (^' ¥?« 0>' »»d the yarious 
 
 tSs^re 6 ™ "^ **"^® ^*^' ®'' ^**** 
 
 14. Don't endorse the application, nor fill in the num- 
 Der. Leaye that to be done at this office. Agents usIm 
 a pnyate number on their application will write it in pen- 
 ciJ, in some comer. 
 
 15. When referring to another insurance with this 
 J^ompany, always giye the number of the Policy. If 
 
 vouTO, iuis !»uaoii -« aone, tnea tiie time when 
 the application was taken should be furnished in order to 
 help towards finding the number. 
 
♦ 
 
 10. If a risk is to commence at a future (lay, state the 
 cause for postponement. Applications are not to be taken 
 more than six mouths aheail of the commencement of the 
 risk. No post-dating must be practiced. It will not be 
 tolerated. 
 
 ^1: ^ *°? building appearing on the Diagram is, in an 
 application from the owner, omitted to be insured, state 
 the reason why. 
 
 ^ 18. If a person acts as agent for another in effecting in- 
 surance, his authority must be in writing and accompany 
 the application, if on the Premium Note System. On the 
 Cash System,the written authority may bo dispensed with. 
 In all other cases, the Application (as well as the Pre- 
 mium Note when there is one) must bear the proper sig- 
 nature of the Applicant. If he cannot write, he will 
 make his mark, which must be " witnessed " by the Agent, 
 and by a second witness as well. It will not do for 
 another nerson to write the Applicant's name, even at the 
 latter's desire. Agents will please bear this specially in 
 naind. When Tenants insure, always give the name of 
 the owner. 
 
 19. When more than one person join in an AppUcation, 
 it must be signed by all of them as individuals. In the 
 matter of Common School Applications, the signatures 
 of at least two of the Trustees, or of one of them acting 
 as Secretary-Treasurer, and signing as such, are necessary; 
 and the Corporate Seal must, m every case, be affixed. A 
 COTporation can only, in the matter of contracts, speak 
 effectively through its common seal, which is its mouth- 
 piece. 
 
 20. The designation of women, who are applicants, 
 must be given, showing whether wife, widow, or spinster. 
 If applicant is a wife she must be joined by her husbfmd, 
 unless some good reason is assigned for the contrary: let 
 the heading be " Application of Mrs. so and so, and or her 
 husband so and so.^' If the property is the wife's solely, 
 the question as to title should be answered " In fee wmple 
 by wife " (or as the case may be). 
 
 21. Applications that are rrvrwatj*- in whole or in 
 part, of Policies from this Company, recently expired, or 
 about to expire, must b^ headed in large letters with the 
 word BENEWAL. The number must also be given of the 
 Policies of which they are in renewal. 
 
22. When more than one building of a kind occurs, dis- 
 tinguish them as, for instance, Bam No. 1, Bam Ni 2 
 anJ so on, and let the Bams all follow eaclJ other in iro- 
 per order and the other buildings do the same, in the 
 Distnbution Table on the face of the application! 
 
 23. Unoccupied buildings are not insurable, but this is 
 a -J?ii®5 11*° »PPlX *o the temporary non-occupation of 
 a sm^l dwelling on the farm for the use of hired help, 
 provided there IS on the place a main dwelling, and it 
 contmuea to be occupied. 
 
 24. Don't in any case, in describing the finish of a 
 owi'^^l,'^® the words " well finished "alone ; but state, 
 specifically, what that finish is. The words are well en- 
 ougn m connection with something further. 
 
 «™ y^^^^ *? Application is returned to an Agent for 
 
 m^fti'^'TS^iyf^.^^^^^^ade «"*' the ori^nal one 
 must be sent bacK to the office along with it. Even if 
 
 th« nffil'^f??''^ ft *^® Application must be returned to 
 i„L ?f ' *° ^ ^^M ?^*y ^^^ record. AU AppUcations 
 once token so as to bind the Company either iiiSiediately 
 
 ^l?^'^^'-'''^^^' ^"If ^^ ^^""^ *« *he office to be fyled 
 away. Dispose of all retumed applications speedily. 
 
 26. All Applications must be taken and filled up with 
 SiL^lrt"'^; Y^^'^'' i«^orth doing, is^^h 
 S r"v A"* Application must be complite in, and 
 speak for itself, without the necessity of referring ti any 
 ^her document. By attending closely to 'thisf Agents 
 2^11 save themselves much trouble. The Blanlil^one 
 system must not be used for those of the other. 
 
 Agents will save themselves and the office a great deal 
 Im tSteS"^"^ *''^' Applications before mailing 
 
 rill' ^? nV""^*!]^ ^^.^y particular in seeing that the 
 t Si f ?! v?^® ^^l^^ '^ ^^^e° i» applications. Some- 
 Sfi^J*^® "^^T V««* ^ffi«« »« «i*"ated bears a 
 
 thfp.1 &^^!?""^* °«,* ^ «^ve° in«*«ad of that of 
 me fost Office. This must be carefully attended to. 
 
 Diaarram. 
 — — , ,, ,^^ ^„ ^ij wuiiuiiigs wicam iiK? ieet oi any one 
 
 Jnnf Zti ^i*.^^ ^^®''® ^' ^^ ^ proposed to be, any msur- 
 ance with this Company. Indicate each buOing by 
 
b 
 
 name, thiu :~Bam No. 1, Barn No. 2, and so on. Be 
 particular in noting the exact distances in feet within 
 the above limit. Don't use the phrase " over 70 feet " 
 in any case. See form of Diagram j)age 23. Give the 
 size of each building in its form on Diagram. 
 
 Premium Notes. 
 
 29. They mus' bear date of the day the risk is to com- 
 mence. If it is intended it shall begin the day the Ap- 
 plication is taken, the Note and the Application will bear 
 the same date. Don't fill in the date, nor the number t)f 
 the Policy in the body of the Note, for you can't biow 
 what either of these wiU be. Each app" tion must have 
 its own Premium Note. 
 
 30. There must be no erasure, alteration, or interlinea- 
 tion in a Premium Note. 
 
 31. Executors, Administrators, Guardians and Trustees 
 ajjplying for insurance as such, must guarantee the Pre- 
 mram Note ; but it is better in such cases that the risk 
 should be on the Cash System. 
 
 32. Premium Notes must, of course, be signed the 
 same as the Application. 
 
 Amount Insurable. 
 
 33. Agents are not authorized to bind the Company for 
 more than $2000, likely to be lost in one fire. Thus, if a 
 dwelling house is within 70 feet of the bam, or other 
 out-building in which hay, straw or other inflammable 
 article is kept or intended so to be, no more than that 
 sum is to be taken on ail the buildings, or their contents. 
 If they are that distance, or over, apart, the agent may 
 go the length of $2,500, but not more. Even as regards 
 that amount the very greatest caution is to be exercised. 
 
 34. Should a case occur in which the Agent thinks a 
 higher amount than as above may be advantageously 
 taken, he may submit an application to the Bo{^ with 
 that view, nving his reasons at length for the recom- 
 mendation,l)ut he will be explicit in apprising the appli- 
 cant that he is not insured till thfi annlinotifi? is annfov**^ 
 of, aiid will write across the face of* the Interim I^Bceipt 
 he gives : *' Bisk not to take effect till appboved 
 BY BOARD OF DiEBCTOEs." Tbls ©ust be written in 
 large plain hand. 
 
10 
 
 36. Not more than two-thirds the estimated cash value 
 of any building will be insured by this Company, nor by 
 It in connection with any other Company : and not mow 
 than two-thirds of the estimated value of " ordinary con- 
 tents, unless the property be held by the appUcwit in 
 /««w»tp/e, and not encumbered for more than two-thirds 
 of Its actual cash value, nor will any articles requiring to 
 be specificaUy insured such as Threshing Machines,Books, 
 Plate, and Plated Ware, Musical Instruments, ic..^ 
 insured for more than two^thirds their value. 
 
 wJ^^ V'* v^m/"^ ^M *° ^over "ordinajy con- 
 tents of out-buildmgs (or of any one or more of them) 
 appears at all large, the reason wherefore must be spe- 
 ^nt P*''*^°"^*^^y se* forth. This is an indispensiblo 
 
 Valuations. 
 36 See that you assign an intelligent value to all 
 buildings. Whether the amount proposed to be insured 
 "»£*ft®r low, your valuation should in no wise be regu- 
 latea by it. Agents sometimes content themselves with 
 setting down one-half more than the proposed insurance 
 as the estimated value of the building, mtiking the insur- 
 SfiVof * ^'^^rtj^'^'s of it» irrespective altogether of its 
 !n^ J!?T' ^^J^\ ^^y ^ ^®)7 much greater~a proceeding 
 so ridiculous that it is surprising it should be requisite to 
 caution against it. 
 
 3y. Be very careful in avoiding anything like Over-val- 
 uations. Be under rather than over the mark. Hieh 
 insurance most surely begets fires. If a building is old 
 
 m,«?«S;i^'''^/**t? of repair, a very modeiite sum' 
 must suffice as its estimated value; so of log buildimrs 
 generally, and more especially so if old. ^ 
 
 38. It is not easy to give any rules for the valuation of 
 ^fSfFf' applicable to ^ parts. Framed dweUing. 
 18 X 24 feet and one story high, are not usually insurable 
 for more thjm ei60-often not for so much; if larger, the 
 SX?i?'^^\^®Pf?1fii?*'®*«*'*'«««»»»^d more particu- 
 larly the finish, which the agent should, in aU cases, be 
 particular m descnbmg, that the Board may know on what 
 ground he has based his estimate. If a cellar, it should 
 be so stated, the size, and particularly of what. Kuii* t« 
 insuring *' Contents " see that the amount is net over'tw©^ 
 thirds of what a person in the position and circumstances 
 
11 
 
 of the applicant— regard being had, especially,to the quan- 
 tity of ni8 arable laud— is likely to be possessed of. It is 
 Bot near so often that an applicant desires an extravagant 
 Bum on the contents as on the building, but still cases of 
 th(B sort sometimes occur, and it behoves an Agent to be 
 on his guard. 
 
 39. A barn 60 x 30 feet, le.feet posts, is, fw the most 
 part, not insurable for more than $200, and often not for 
 so much, if old, or not well finished. If clapboarded, 
 painted, with cornice, basement story and stables, or 
 greater height, a larger sum may be taken, but as in res- 
 pect to dwelling houses, so in regard to out-buildings, the 
 extra-diflference in construction should be particularly des- 
 cribed. > 
 
 40. The General Agent and Inspector, or some one for 
 him, will, from time to time, examine risks with a view 
 to test the valuations. When a case of marked overvalr 
 uation is discovered the offending agent will, at all events, 
 be charged with the expenses attending such inspection ; 
 and the same for any inaccuracy in the survey, or other- 
 wise. 
 
 Lost Buildings. 
 
 41. Must be very particularly described— how roofed 
 and of what logs built— and as regards out-buildings, 
 whether floored and doored, in addition to the description 
 required in respect to frame buildings. 
 
 42. If over 10 years of age they are not insurable for 
 more than one- half the estimated cash value, unless they 
 are constructed wholly of White Oak, Rock Elm, Black 
 Ash, or Pine, in which case they may be insured for two- 
 thirds their cash value up to the age of fifteen. Buildings 
 of Cedar logs may be insured without restriction as to 
 age, for two-thirds their estimated cash value— but 
 Agents are cautioned to value very moderately as re- 
 gards all kinds of log buildings. 
 
 Stove-Hpes. 
 
 43. Experience teaches that very many fires arise from 
 
 nOOrlo/l'f. nt' artA Aafan^a in a^A^y. vxi^^^to Tf i.U~.. >._ 1_A- 
 
 _— jj,,^-^ -w-j^ ttiivi •vxi.iwjic iii, OWTC-pripCO. XX blicV ^;Sw3S XiiitiJ 
 
 a garret not in use, or into an unfinished upper storey, see 
 that they ai-e secured, and that their joints are rivited 
 together, or fastened with a wire, so that they cannot 
 •eparate. Pipes paming through ^\% roof or gidei of « 
 
12 
 
 houae miwt be seen to, that they are secured with sheet- 
 }^ «J.«f ^?®' ^^^> ** the point of egress, and don't come 
 in contact anywhere with the wood, or near it. The 
 extra rate in regwrd to stove-pipes must be charged in 
 every case where by the Tariff it is exigible. 
 
 44. Caution parties you insure as to the danger of not 
 
 teS?^ ^^"^Ti ^^^'l «*o^e-pipes. Many Ves ariJe 
 from the accumulation of soot in them. 
 
 45. Stove pi^ '?8, and places of depositing ashes as well 
 fS'tT fve"'"''''^ particular attention, and you mSt not 
 
 Tenure. 
 46 See to the title by which applicant holds his land 
 w « «}"^*? ''^ ^^^yy ?*"«» ^ specially stated. If he hai 
 
 mmUe ifuirr '"*''''* '"^ **"' ^''^'^^' *^' "'^ 
 
 ♦r.f L^y ^^ ""?^ *^* * P^^^ ^^s >iot necessarily pass 
 fil ff £• r^ In answering ; he question regarding^ 
 ?i i&.^i.T^/l^i'?,*^ ^l r ^l ^^d." If the property 
 IS absolute freehold say, « In fee Simple." In the ca2 
 
 hL^1^?°^*^ V'^^l^yi H ^* ^ «***ed iow long the 1^ 
 has to run, also who is the owner. 
 
 Character. 
 
 4B. If an applicant bears a bad character in the neigh- 
 borhood or has ever had his name mixed up with a sw- 
 picio. 3 fire, have nothmg to do with him. Much depends 
 
 on a man s character-make particular inquiry about it in 
 every case. ^ ^ ""v«k *k m 
 
 Encumbrances. 
 
 ^r^tJ^u^ "^"5* ^^ stated, with full particulars ; the 
 amount, how and when payable : if any part and if ao 
 how much has been pai(f ; for wiat pSpos^Scu^ed ; ^i 
 for purchase of the place, what was the price of sini 
 when bought, and how much land the encumbrance covers 
 It mak^ no deference whether the land is heW in free- 
 hold or by contract (or bond)-fuU particulars must bo, 
 in every case, set forth. ' 
 
 60. Risks will not be accented wh^rA fh* «u««n*{*w ^ 
 Jand is small-and it heavily encumb3re<?, ftiere'w no 
 me takmg an application in such ease. 
 
 'k 
 
 t 
 
¥ 
 
 18 
 
 Bates. 
 01. In every case charge fuU rates, but be careful not 
 to orersboot the mark. Take just the right thing— noth- 
 ing more, nothing less. 
 
 Oano«)llizi£r Bisks. 
 
 62. When a risk is declined, the Agent is, without de- 
 ™ }^ 'fu*"" *^® Premium Note, Cash Premium, or Due- 
 biU (as the case may be) to applicant, in person, if in the 
 neighborhood, mtimating at same time in writing, of 
 which he will keep a copv, that the risk is declined: if 
 he IS not m the neighborhood he will send the notice and 
 other articles by maU, registering and prepaying the let- 
 ter. If the Premium Note or Due-biU is in this office, 
 the Agent must wnte for and get it 
 
 63. If an Agent, after taking a risk, learns, before 
 sendmg the application in. or bfifore he thinks it probable 
 that a Policy has issued, that it is, for any cause, an un- 
 desirable one, It is his duty to lose no time in cancelling 
 the risk— reporting the matter specially to this office,^ 
 at the same time sending in the application the same as 
 W the nsk had not been cancelled. 
 
 limitatiozis of Policies. 
 
 54. Policies will not issue for additional insurance on 
 any nsk. that is, on or in the buildings on a farm or 
 smaUer lot, ^eady covered by a Policy from the Com- 
 pany. If additional insurance is wanted, it will.if ap- 
 proved of, be furnished by Certificate issued supplement- 
 aUy to the Policy, and can be applied for on a sub-appli- 
 PATION, printed forms of which will be supplied to the 
 Agents. Those certificates, wherever practicable, to ex- 
 pire with the Policy— in no case to over-run it The rate 
 not to be less than one year's rate, but higher if the 
 Tariff otherwise calls for it The cash in all cases to 
 accompany sub-applications. 
 
 55. The only exceptions that will be permitted to the 
 foregoing rule are, Ist, When two policies from this Com- 
 pany ahre^y exist over a risk, that first running out may 
 be renewed in the former ordinary manner, to expire with 
 ine lasc policy of the two, provided the premium for the 
 cunent period amounts under the regular rate to 82 60 
 or upward8~and 2nd, When influranoe ia wanted on anew 
 
 \ 
 
i u 
 
 building, or one not vet insured with the Company the 
 premium on which stall amount at the proper »te to the 
 said sum of $2.60 (or «3, according to tSe ^iS^ment iS 
 certain caMs of sub-section D under head cJ 'x TS 
 upwards, for the period to run. Under this rule ai-o not 
 less than one jrear's rate shall be charged,and th^ risk 
 must expire with existing policy. 
 
 MBMO.~The Agent wiU collect and send in with each 
 sub-apphcation, over and above the premiwn. a fee ofis 
 cents to cover office expenses. ' 
 
 Territory. 
 
 iJtJ^t!"^^^^* *^ ^^ ^ *^e Company has extended 
 i^-o^«2S'''*°?'^J"^"^»i^isED,^i agent hwinS 
 his allotted precmcts to work in, and in wh^ he^^f 
 to be interfered with by anothe^, except k the cLSSd* 
 verted to m the next section ; bit he must workT JS 
 
 hfifrSfiil^^r^^' ^'i* ^S ^ OPENED r^aS 
 his certificate not renewed at the end of the vear SirJ 
 
 an hon^t active, faithful agent has nothingTdreS^* 
 
 his appointment te sure to him. Yet the oi^tonldli 
 
 i.^mma^!^''*^^®®? *«"^*ories a^ contermmous are re- 
 crmmenBed to make arrangements with each other for 
 tekmg risks that may offer on the confines oif each Xrt 
 temtones-as It will have the effect in many bases of 
 advancing both their own and the OompanVs^iS^JLte 
 
 Al!«?Sr^"u°L*°y/^^««°^«»»* occurring, the GeL^S 
 Agent ahould be referred to, whose decision ought to be 
 
 of^»S5rgSL^t^t^^^ 
 
 same expedient, but they will not otherwise Sot a 
 substitute on any pretext: When aUowed 1^ Stent 
 te ^ ^^^^^^-^We for his official cond^ctl? eJ^ 
 
 Duebills, 
 I..J®' ^"®^S® ^^^ ^^ **^®n on the Cash System not 
 out on tho prmted forms which will be supplied, wdWnt 
 
*;' 
 
 16 
 
 in to the office at the end of each month. The asent will 
 
 wi??" rtfA' " ??f '•'S? *' "•« «"<' of each month, along 
 
 Bemuneration. 
 
 rJJnP"^ l"^^ ^1? ^^50, to be coUected from the appli- 
 cant on each apphcation (not more : as much leas «w the 
 
 i^^^ri^^iXir ^""' "'^° ^'^^ ^^^"* -" -^■ 
 
 nf?L n*®°** ^^ ^"J?^^' ^® remunerated from the funds 
 of the Company, with 60 cents for each risk for which a 
 
 wh«^LT''""P*y.*>^^ ^." *^« P^«°»i"°» Note System* 
 Tn Jh«niT?T°*\l"'^^« ^"'^P^id on the note-and 
 froi?iS***'?^**®°*r,*^!^8^°*^"l^« allowed to retain 
 «Sh iJ.v'^i^.l^^l"^*^*" .*^®^^« fr«"^the Company for 
 eagh nsk, whether he remits the premium in cash or due- 
 
 iR ^JSh"^?^"^^^^ property insured with the Company 
 18 removed from one place to another, and the owner 
 wishes the m.8urance continued, he may cXon the St 
 
 t*h«"A^Lr"^'y.^^*Hn^ ^'^"^^'^ with thatVie^^d 
 the Agent mav charge $1 for the service. An Agent Sn 
 
 tio^ M ' ''*'^' ^'' *^' '''''''' contem^^ted by ST(^ 
 Monthly Report and Remittance. 
 
 iht^mia^i ®^^ °^^f? "'^"*^ ^«®°*s must send in to 
 the office their monthly Report, properly filled ud ac- 
 
 TnAw^V"^^"^ ^^'«^' itwiU accompLyX mon^y 
 
 ffli?ht^'ioflHV''"i**"^•. ^i m««t b; dispatched at 
 latest by the first Monday of the following month. All 
 tte Premium collected must be rem tted, less only the fee 
 referred to in sec. 62. The Secretary is instructed ^m- 
 c»l y to report to the Board at eacfi meetuS any aX 
 neglectmg to report and remit in due course. ^ 
 
 nsS ^il"i? '^ this Office, li^actlonai notes must be 
 SJ?i?5 If P?¥*^le» for sums under a dollar. Postage 
 Bttoipi wUl be taken only ^or broken parts of a quartet 
 
... 16 
 
 Oolleotione. 
 
 66. Should a member press you to receive his aaaeM 
 
 Sl^.Xr*'^*^"'^S«(*»^»* y°« find i hwd to 
 S^T^f^H ^n" y^" are forbidden to receive it aa ^ 
 agent of the Company : but offer, if you like, to send it 
 
 u agreed to, forward the amount at once. The ComDanv 
 will assume no responsibility for its reaching this offiS!^^ 
 
 Oorrespondenoe. 
 
 rJIi ^^^^' letters must be concise, yet luU, and to the 
 pomt. No irrevelant matters are to be intrwiuced imd 
 
 "'tZ W,!'**!J \' T*^*^ ^^°" there^ Ho£ to Sy 
 -the fewer and shorter an Agent's letters are the m^« 
 
 ±1^ *^'^ "i" *P.°^^J ^**«°«<>^- The gJSn of whe^t S 
 often overlooked in the bushel of chaff. * " "" ^"®*^ ^ 
 
 Agents are peremptorily forbidden to fill ud claim 
 papers for members sustaining losses, or in an?waTto 
 mterfere m such matters. ^. ^ 
 
 69. Agents will write their names on the left hand 
 ^nif ff ? ^^ fi^\ °f »>1 letters theyTnd in, n^ 
 SfntL® ^"^ ^?^ ^*'«* ^ffi«« a«^ell: they will fill up the 
 blanks on the large envelopes furnisted from this office! 
 
 70. An Agent, when travelling in his territorv must 
 Tf^"^i ^ W ^^ ^^^ advised from weekti Ck 
 
 S?„nil^'®l2 "^^ ^ ^^°»- ^«lay ^^ being able to wm 
 mumcate with wi Agent is often productive of mu^ S- 
 
 tt felltettiT,\^.^ ST* apprise .thelecretary of 
 mav beVhtten^to'ifn^sJL;: AlsTtf '^^4 K « 
 SStify & t^ ^*^^' *^^^ ^^' some weSs.'^C^i 
 
17 
 
 Transmitting AppUoations. 
 
 ovJ^' I'^of® ^"mt® ^e"* ^y parcel post, when the weight 
 M^cmls 2^ oz The packet must be marked " per paTcel 
 post, prepaid, and handed to the postmaster No letter 
 must be enclosed in a " parcel post^ package. 
 
 Jr. !?•• ■^*/®®^ postage, on a parcel not exceeding 8 ounces 
 ir?K^*' I' °«^.<>»^y 12^ cents. If it does Sot exceed 
 1 lb., the charge IS 26 cents. If above 1 lb., 371 Par- 
 rlnfT\ ^ Registered on prepayment, by stamp, of r. 
 cents. Agents will please attend^ to the above, aid be 
 governed accordingly. ' ' V " 
 
 hoS* ^^®; 1?^ Application is completed, don't keep it on 
 hand more than a l^w days at most; if convenient, send 
 
 of C^^' K '? *^** ** ^"* ™^« »* *^« office on l&ondSy 
 
 for mnrlftl^*"'^'^*."^*^^^""*'!^* i* ^ delayed 
 for more than a week. Accompany your Applications 
 
 Ill^nV^.TZSTrv!'^'^^^^*^ theViited fom^rfnWn^ 
 priority ofTat^^ themselves, and numbering according to 
 
 Postacre. 
 
 *n^^*.«Y^H ^ ?*^? ^^^ 0° *^1 ^ork ONCE sent in by agents 
 ^d accepted: but postage for rejected application, or 
 those returned for correction, will be charged to 'the 
 
 Printing and Advertising. 
 
 75. Incurred by agents will not be paid for bv the 
 
 RT^^^I " o^^"* .*^^ ™^ i« authori^d to be^done 
 through the Secretary, Inspector or General Agent ?n 
 writing, and any advertislment before XL SrtS 
 must be referred to the Board for approval 
 
 Directors. 
 
 76. Agents operating in the neighborhood of anv Di- 
 
 hlS^f^^^^'i ?? "H^"* honoraryrwill not faS to Lort 
 himself to such Director, both as a mark of reanX-f SS 
 for the sake of such infomation wCmay ob^n' He 
 
 S^tfr^s^SX^f ^ ""* °^"^^^ ^"-*- ^ t^e 
 The Secretary and the General Agent. 
 
 77. All orders coming from the Secretary must be 
 obeyed as the voice of the Board- of Dirwt?7 So miS 
 
• 18 
 
 nZ£''*^*i°"* ^^^''^i^ f^^°^ *^« General Agent. If these 
 officers act improperly in that respect, the aggriived Aie^ 
 will have redress by appealing t6the BoarT- but in th« 
 first place they are to be implicitly obeyed ' 
 
 Working for Another Mutual. 
 
 in ^^^n^\u^^ ^ ^.T ly ^"^ ^«ent without permission 
 m wntmg through the Secretary. An agent offend nS 
 m t^his particular will subject hinfself to thf Severest cen^ 
 
 Settlement of Acoounta. 
 79. Agents' accounts must be fully settled with the 
 
 L^oul*^if K^ '*^ rV^ ^^ l^t^ A stetemeSt of 
 accounts will be rendered to each agent as early in tha 
 
 foUowmg year as practicable, and any error oJ^iischar^e 
 he may have to complain of must be ««iwted or tfe 
 
 M^^^h^^Sl^f *V".t^'«"^J««*' beforelTmeitSg in 
 March. An Agent's silence will be held to be his awuT 
 escence in the correctness of his account as render'd^ 
 
 in^ f ),?oi^ *^ be distinctly understood that an agent leav- 
 XL^^ ^^-'^ ""^ ^^^ Company shall have no claim oHt 
 
 orttZ'.^l^^'' '; ''^^'^ *^« d«?^ «f ^^ renewals; 
 
 or the se ection of a successor fortimself. His resiraa- 
 tion shall be unconditional and absolute ^ 
 
TARIFF OF RATES, &c. 
 
 tremium Note System. 
 3 ^ar^o^nTi"fS,±:f.!;il'.5'i»!5» !^Li»«»~«» f.r 
 
 Iflt Class...! 
 2nd •' ...I 
 3rd « ...1 
 
 " U per c. 
 
 per c. 
 
 per c. 
 
 If per c. 1* per c. 2 
 
 1| " 2 " 2 
 
 1st Class includes dwellings of brick or stone covered 
 with metal, slate, or shingles laid in mortar 
 
 w<Sl ^^^•-^^^"'"g^ 0^ brick or stone, covered with 
 
 Jsfru^&:^^*'"^"«« '^ ""'"^^ ^"^ outbuildings of all 
 
 B. No insurance effected for less than three vf^rm 
 
 !l«%*^V^«*"°^'*^d °« Premium Note Sti^" 
 
 ;;??*v '^9r'"\"^«°*^ ^^^ ^^^ encumWreS for m^riSS 
 one third the value of the land, and the contentT of suS 
 
 0. 
 
 1st Class, 1 yr...20 cts 
 ;; 2 « ...35 
 
 2ad Class,! « 
 
 « 2 " 
 
 " 3 « 
 3rd Class,! « 
 
 Cash System. 
 
 Rate No. I. Rate No. 2. Hate No. 3. 
 
 u 
 tt 
 
 ^ It 
 a - 
 
 •> « 
 
 ...60 
 ...25 
 ...40 
 ...62* 
 
 ...So 
 
 ...55 
 ...75 
 
 25 cts. 
 
 45 
 
 62i 
 
 30 
 
 50 
 
 75 
 
 35 
 
 62j 
 
 87] 
 
 30 cts. 
 55 
 75 
 35 
 60 
 87* 
 40" 
 70 
 1 00 
 
 Rat* No. 4. 
 
 4Q cts. 
 
 76 
 1 00 
 
 45 
 
 80 
 1 12i 
 
 an 
 
 90 
 I 25 
 
 eiSnt*^;^ l*SSi'^^?* Premium that will be accepted 
 except as stated m Section 64. On School-hoisS, 
 
20 
 
 Chutchc**, Meeting Houses, Cimw Facfcoriea. the Pre- 
 mium miuirt tiot he km than «3, and they are insurable 
 only on the Oa.i. H^Htem. Don't' introduce i Z^^^ 
 the prem.um-Ko ti.a next whole figure higher A Srt 
 of a month will count as a whole month. ^ 
 
 E. Agents will bo furnished with a book of interim 
 
 InT?h«T *^ ^^^ ^y^'T' ^^•'-''^ «!«"« «r« tobe S^ 
 hS i *u *'''"^*^°^°« *''« counterfoil pror)erIy filled 
 ?^i. "n* h Preaerjed and submitted to inspection when- 
 ever called for by due authority. In the interim recent 
 the amount insured must be distributed as in the applicS- 
 tion. Agents will note m the interim receipt, whether 
 payment is made in rash or by duebill. Don't neglecj 
 
 fh friSin^**' Systems, No 1 Rate applies to cases where 
 ^dwelling house, or other building in which fire is 
 ^^ IS 70 feet or upwards from the bam, or any out- 
 S;«Hwf '",.^,^^9^ hay, strew, flax or other highly com- 
 «rh Kfn5- *''^^ '' "'"^ ""^ ^^P*- ^t« ^0. 2fto where 
 ?L o^"'y'°^'/iS? ^'"^ ^««^ ^^ upwards, but lo 3 than 70 
 f W SfV ^""^ ^°: ^vi'^ ^^^'•^ they are 20 feet but less 
 £o *f ^«f? apart; No. 4, to where such buildings are 
 less than 20 feet asunder. It is to be borne .» mW 
 
 fcT' ^^f *Hyi- '^ <^f>o^^-menttoned buildings mai 
 thenuelves be full distance ajHzrt, yet other and i^rml 
 
 h^LlTi^K w''^ '^' "* ^^fl'^'*^* ^^rd, within the 
 Higher rate, which, m such cases, is to be cliarged. 
 
 rlw^iuJ^^"*^^®^^' ^"^h, as usually adjoin or are near 
 SJ^il Ti^^''I^®^v'?^"."^"«-ho"«es m which no hay, 
 f i^w'/*'^ °,'' °^'*®'* h^ebly combustible material is kept 
 nn? h.uT^!?i not exposed by anv greater hazard, i^ 
 not held to add to the risk; but if so expos .\ they of 
 course add to it. Nor are 4ms nor sheds adjoiS or 
 contiguous to each other held to add to their mTitual risk 
 JBut where no hay straw^ flax, nor other combustible 
 rZ^t Ji %'^ tie driyiVhouse, it must be so sto^ 
 t£ns) -^plication. -(See page 24 of Instruc- 
 
 «.5* ^^'^ellingbjwj, .( A V ried description— that is. 
 I. Where two dwelliagg belonging to the same person 
 
w 
 
 21 
 
 li/ -tov-piijc Dassing through the roof or wall of a 
 dwelliii'T-ho -se wiAout the intervention of a TufficiBnt 
 flue or ohimuey, will cause an increase of A of 1 per cint 
 
 wm ^e^t tlf«^L^^''' n' Z' .!5-'""*« ^^'^ three7earB,and 
 Tmo «!^i •M-'^**®*'" *^^ buildmcs within 70 feet o^ the 
 same, or buUdiogs exposed by such buildings. 
 
 th^^Sf^ tbe other hand, a stove-pipe passing throutrh 
 
 ^«?J?5i^%"^®. ^^ * *'"™^«'* Wtciien or cookin3d 
 
 wft^sh^ettl^n/^r*^^' ?? *^* P^P« ^«» ^«"^ed 
 witn sneet-iron or other meta , stone or brick at thn 
 
 ^rL'^^'ET'.^^ \« «»»»°»b«r floor intemning, will 
 not be held to add to the risk. »t:umg, wm 
 
 ft.n^'n?5^^^°*^^*°^ *^®^'* contents may be insured if 7o 
 feet and over from any building belonging to wiother 
 
 ?St A* S l\^'' ^.'^af^ ' ^ *^« ^«*^°^« is 1^ than 
 Rno!S • *J« "«k has to be speciaUy submitted to the 
 
 car^nW ^'ljn*M"« ''flT" ^r alterations involving 
 carpenters or joiners' work, do so at their own risk un- 
 less th^^have paid into the office one quarter of one Z 
 cent. acTditionalon the amount insured^. Such payml^J 
 confers the privilege for two months, and no longS! 
 
 - ^.H'f^^^'"??^*"^^^^'^ contents are insured at the 
 
 s^irel at tL .^^T .^^'^'"'''.^'''^ ^^''' ««°t«°t« are i^ 
 sured at the same rates as ordinary out-buildings The 
 
 &rU"?«'°t^T^««'^e to'^themsdves fhe right 
 tLn'?n'*^ ^^^'^ *t' ^^°^. ****«hed to the Factory is fess 
 than 10 acres, or where, if on leased land, the lease has 
 less than 10 years to rim from uate of fire! 
 
 In Conclusion, 
 The Directors would crive a few wordo "^ /»«««-ai 
 
 if ^ ott 2*"^,?^ the agents may noVst^dirneS'of 
 fL^S^i *? )i ^^ ^^} <^"*e amiss. Urge nothing in 
 Sn w^i^* Company but what the truth fully warraii " 
 Po not ndvwice your own fancies as facts. Promise not 
 
2S 
 
 tt*t the cost of insuring wUl be less in future than it has 
 oeen in the past; the reverse, considerinjc the heavr 
 W suffered w not nnlikely to a smaU extent uZ 
 ryht you should not wilfuUy deceive any one-but fuJ 
 SjtinM"'^"*^*^^,*^* *^o»e yoi have dealtogs 
 
 S^fmtZ^'' ^^* y°r"if®^ *^®°»- Take especial care 
 ifeut ^?i«JT°°'. fuly comprehend whatthey are 
 ?n?^io« A'^^ ^^ '\°*'°<* *^e possibility of yoii be- 
 JSLtel"" *T?'*°'^-^^. *^ *««*«y i^ regard to yom- 
 twf^ f?'-^ Never promise anything you lave no au- 
 thonty for doing. Instances have occurred of acents 
 
 wSh^^^t? *5t* ? ''"^^ "^ their pSL' 
 Ti ™l^.^^^.®l^*^*>"f *^y warranty for the same.- 
 h« ^Z*^' ^®i*^*' happen that the most correct agent may 
 ^vtTt^^^TTl' *?'^« ^'•"^ misconceptiS on tK 
 K^^;S^"?h'*'¥^^^?^®™»n7 complaints prevail it 
 tn wSn^r"^.* i? '^*'* .^i'® conclusion that the agent s 
 Thn r?®' * ^®* '^ <^°»i<^er the danger of his groSnd " 
 matS'lw^."? resolved, whatever%lse the Company 
 may be, that it shall stand second to none in existenc? for 
 
 »Sirm^;s^£ti?n^^ ^" ^" '"^^^ '^^"*- '^ 
 
 cott^f ^^a^cSSiTi^rgi^fif^js^^^^^^ ji-^ 
 
 f^s^aidTntZ^fpH^JJj' *^ age^ts^ho pi^'tf^^^^^^^ T5 
 in Sifi^ interested attacks never provoke yeu to retort 
 l?fw J*"® *'°''^"^* P^ outsiders can do but little in 
 rfc/"^'°«^i "'^'^^^g *° Insurance Company Its 
 character depends on its own acts and those Sf ftg em- 
 
 feSi ^^*^?* Mgh character it can only iag on a 
 miserable, weakly existence. ^ ^ 
 
 Office of A. M. Assur, Ass. of Canada, 
 London, Ont., 26th Feb.. 1872. 
 
 JBp Order of the Board, 
 
 D. 0. H^AODOIVALD, 
 
 CROWELL WILL80N, 
 
 PrMident. 
 
 Si»wifan»» 
 
2d 
 
 
 SIDE LINE ROAD -LOTS 9& lo. 
 
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