_-7.

- DECEMBEB35, 1916, - 1-111-1 ca.1nL01'1-m-own GUARDIAN' \ f _ _ ,._._'GFL --*_

»w,r~.. ..- ».-",*4~--...<._-.,....,,.;_;-..-.,i,. ,,,_ ,,_ _ 7 _ ._ I _ ,

- - < - - »-- _ - _-._~ , _.4.\.-. _ 1. - » . ~ ..-._--. .1-‘;~ ._ __ ._ ..- __ ,_ ... _ _

* .. r f 1 ~~...ar.§. .,_,, _ ,__,,_...-»- » --i‘*"i='fw.<` ._ -""-'--J"-W *M _ --"-fr ` 4 ‘A957 "`»i-.:~l»-ll‘~=4- -.'- 's’.h‘-.i""..fif--;v-"-s~“'-' L’-4.1¢... _..ii»‘l

' .__. _.1 _. _ ._ .. _.. _

_' ' - - ‘K ~-‘f sv; .r»‘~:,{‘=gu. ¢' --.»-_' . r. 1.- -_ ',-gg,-._.-_»~. _-..~..-_ -44;., ,_ .~ 1 - - -4 . - _ v .-

. . _. -» - » - ._,-.,.-,__-5-,-.-, -_-,»_~- -._= _._-»_.f-4--_~,~:_w_. ~ _s_,_...__»,- -, ,~__~_.-.»,,-6 ~~ -_ _» ,_ , ,-_--,< ., _ - ,_ _ _ __ _ _ _ .. __ _ _ _

. , , _ _ _ . _ _. , _J _._ . _~,_r`_vri _vi-_Ah `§._.-also .~. .1-,._/_:_,f,;<__ _ 1. , ,,._.,.-,._.,\`.. _'_ __,.,_,,_3&,__.§,g_,,._,,__ ,_ __ .__.__m N ,C,,_‘__ _W____.3,_‘$w _HJ V . <. . 0.1. , ..._.. . p A A , > V , ,_ _, _ ‘www

~ _ . _ _ . ,I ._` _ I ‘_ _ - _ . , _. .. ._,_,_.,_{,, ._._.,;§.`_

_ __._., _,',:;_,;_*_ I .

Ypu may want' to. change

your automobile, or your piano, or even your home- but you will never Want to change the COFFEE, when

~ once your taste .the delectable

flayou;-,ox Chase & Sanborn’s

“SEAL BRAND” COFFEE..

Ishii. l and 2 pound tina. Whole-ground-pulverlied-also line ground

for Psrcolalors. Never sold in bulk. V 2

..°lT PAYS to buy in this l"rovince.

..°T. GORDON IVES is Guardian

representative in Montague.

..*PROMOTED TO CORPORAL_--

Gr. C. C. Acorn, son of Mr. niid 111-s. H. H. Acorn, Souris, has bccii pro- mote' fo t`_-c- ;‘r_'r‘: of (‘or0p1':-_E in 'lhc KlllS’s County Siege Artillei-y l)i-nit, now stationed in Sour-is undci- con;-_ mand ol' Lieut. R. C. McLfin. (`or»‘ poral Acorn spent ten monihs on garrison duty at Halfax. i

l--2 -i-- 1

GiilRliEliil@‘ SH|PP|liG{

)-JR FRIENDS can buy

ddytniirg you can give

rhein--except your photograph.

Make an appointment today.

The Cook's Studi

New DesP'is:rv .glock L

Prepare for Christmas

if you can’t_get back to the old

home for Christmas a new photo graph will come nearest to takin; your place-_-will bring cheer t- heme keeping hearts. Make the appointment today at

The Bayer Studio

Mmt"fEFritf.

r_._;-__ .___ -_ess i-"1

A. ia. 1.11011, s1...11..

Good Photography

Moderate Prices.. Personal attention to Am-

ateur Photography.

107 Queen St. -

Phone 68-J.

The Magdalen islands S. S. Co. Lid

The 8. B. Amelia carrying H. K.

mails, passenlvrs and trsiaht leaves Picton every ll\...day and -Thursday af- ter arrival of moming express from lialillil, !or the Magdalen Islands call- ias. going and coming at loin-ie. -_

CHAI. VI. ivll, Agent, Picton

I. H. lsarratl, Mariner. Amherst.

Harbor. I. I.

\\\a\v//llllllll)ia\\\\\\i\°‘ 9

loaded with pro1luce,' awaiti1i:; favor-

r: T f-'?

Schooner "Melrose" (‘iipl -in-_

cey, loaded with pro-luce .or :rr

Schooner "Maggie," Captain Ma-

l Q guire -loaded with produce for Svd,

Moccasins

- Felt Boots '

Felt Socks

W///Ill'/IIILQ

Knit Socks Over,-.Shoes Leggins Heavy Rub ers

\\\\\?ll

Schooner ‘J E Willard Ca tain

Richards, in ballast for Piciou, N. S.

Schooner “Al-ma lL. Ge:-tic." (aptiiin

Roach, in ballast for Picton.

Steamer “Stan'le'y_" arrived Satur-

day evening with buoys; fioin Magda- len islands; ileft Monday morning to lift East Point buoy.

Schooner "Enterprise," still plying

regularly from Montague on George- town Pictou route carrying large cargoes of frciirlrt and many passen-

.§§1:l.5`. .

Schooner “J_ W_,” Captain Clory,

dl:_~icliui-ged coal at King's wharf, now lying in stream.-“&” _

f §\§t-I/I'/I'III/A\\\\\\\\'fIIIIIIIZ

asins.

.na

arry.

_ Let us show you any different rigs

Alley &Co.

25-* ('D(D

Sheep--skin- oot sand Moc

I2.§\\\\\\\\\YIII4\\\'\\\\\\“

Q- __V s ___ _lr --vm-f In _£131 1

‘" 7 XMAS -Gifts

THAT WILL PLEASE ONE AND ALL

Maiiiciirc Sets 'l‘ra.vollliig Sets Toilet Sets

Hand Bags _ Pin (lusliions

Jewel Cases Candlesticks

' Vases "- ' 1

Photo Frames " H " Pictiir-cs `

I‘lct-.ure `I~`i-allies

Padded Poets .

Books-

'I‘ost:i,iiieiits

Xnini-1 ‘I’npcti-ics lllilitau-_V Sets ‘_` '_ lvory S4-_ts ° (lolliir Bags

Por-.kr-t Books Foiiiiiiiiii Pens Iiilc Siinnnds V0

Music Rolls

Baby Sets

Photo Albums

Ebony Sets

Ebony llaii- Bi-uslics

Ebony Clothes B1-uslics Ebony Mirrors /-` '

'_l‘li01-mos Bottles

lfiilillcr Goods ` ills-I-lllltf. Flasliliglits ° _ Sllflvillg S658 s.a. uouan, i¢_c.. panels iaokinnen '»‘lf\f<‘f-Y R81-0l‘B ~' ` sioasau e noxinuon

'II

\\“VIII \\\\\P§ Y 4

SUMMERSIDE MARKETS.

Butter (dairy) per lb 37 to 38 Butter (creamery) lb 41 to 42 Buckwheat per bush 75 to 1.00 csiisirim. per in 17/to 18 Eggs per doz. 38 to 39 Chickens per lb. 16 to 20 Fowl per lb 12 to 15 Ducks ner in 16 to is Hay (loose) ton 10.00 to 12.00 ‘day (pressed) per ton 12.00 to 13.00 Hides per lb ‘ 18 to 19 Lamb penr teach; 60 to 80 Outs (black) bush. . . . ... 62-65 Oats (white) per bush ` 65 Potatoes per bush ‘ 60 Straw (pressed) per ion 6.00 to 6.50 Turnips per bush 20 Wheat per bush 1.25 to 1.50

Professional Cards

Dr. .i. E. BLANCHARD

_ DENTIST 1 PARLORS--125 Queen Street,

Charlottetown, P. E. I.

Phone 275-J.

3482-12-19M1mo.

S. S. Hessian

LAWYER

‘ lonhgua, P. l. L

Money te Lean

. . larrlatere, . . Attorneys-ai -Law

S""l’ “"’“`“ aoyei Bank aiu.. caarinmion. Cliocoliiises (Nylo and

Moirs)

("-i|.\;ai's in \Voo4l4~ir Boxes Suitiible io Send to tho

Boys at the Fi-ont.

1 .-4 ' __

MOIIION A DUFFY lerrletsra and attorneys solicitors for Royal Bank of Canada

ION IY T0 LOAN

_ .°MR. R. R. HOWLST1’ is Onan dlan _.gent for Annandale and vicinlty.‘

FIRE »iNSURANCE A IN CANADA 1- -

_ .__.-_.,..`]

._~.=noMo‘ri=TiT|-5 son.- or. 1-1. '

G. Baker, Allberton, has been promot- cd to the rank of Bdr. Bdr. Baker has spent the past twenty months on gar- rison duty in Halifax and is noyv at- tached to the Kirrf:'s County Siege- Ar- tillery Draft in Souris. '!-

EASTERN PERSUNILS

_.*Miss Susie Carleton is at pres-

ent spending her- Christmas holidays in Sourls. Miss Carleton is ii Mount

Allison student. I

_.*Mlss Elsie Mitchell. student at

the t‘har-lottctown Business College,

_ .

' - _.1 4 4 _ “ble ‘~'hl'mC9 I0 Sail fill' BUl`l<PB~ N00- is spending her Christmas holidays

\\fIIII//I/WY”////If; '-'* at lici' hcinc in Souris.

-"--1 ._ use and W. D.

~ ' - ' r A no

Bay' C' B- l)o_\-l., of tho l(ing's County, Siege

i A -lille - llr- ‘1_ ure- s ending Xmas

1 1, .4 p

at their livin- 1 in Charlottetown.

Colnfortab e ° “ei” V i ' i cHAni_o1-T51-owN r4iARi<E1'e

ci fresh lb 640

’ 1

. Q ~ - ."-D Bti_- _ _ . . . . . . _ ... .3- Viie have what you gsl¢0r\.<}lscl1nrsiue C0111 at Maelnilu-ldliaiitter ((1.rlr>).___ 35-36

l“0E_'W Ll' `\V.\..i,i(i'.. .

eedto be warm_ ‘ar °l_*___ Y “" "1 ll;;;;erd‘();re1rmel‘Y prints)

_ Sclmoner ‘Hier-.lie l<l1.1\vli," Captain Fowl; m 12.15

Chickens, lb . _ _ ._ 15-18 Ducks, lb .. 16-18 Turkeys, lb ._ ._ _ 22-25 Beef (lb) retail 15-20 Beef (wholesale) dressed .07-.10 ,liecf (live weight) _ . . . ._ .05-.07

‘Lambs (live) ._ .. .0856-.09 Pc-1-k, (selects) whole-sale 15-151/4 Hay (ton) $12.00 Straw (ton) . . . _ . ___ ._ 7.00 Pgtatoes (bushel) .. 60-60 Turnips (bushel) _ .. 20-20 OMB (While) bush. ._ ._ 60-60 Oats (black) bush. ._ . . 68-68 Pnrsnips (lb) .0154 Buckwheat (busil.) 75-90 Wheat (bush.) $1.25 -1.50

lillli llii liliilllllii

ill lHi lliillEHlS

HOW THE Y. M. C. A. MEN ROUSE THE SPIRITS OF TIRED CAN- ADIAN SOLDIERS.

In an address folic-wing his return

from an inspection of the Canadian Y. M. C. A., Military branches over- seas, C. W. Bishop, General Secret- ary of the National Council thus des- cribed an_incident in the Somme urea: _

“lf I could take you back to the re-

serve work that was done in the other tents, we could describe to you things of equal interest. I wish I could take you into the tent presided ,over bymtlle men who used to_sit at this piano. M. W. Plunkett. Here we have permission to hold meetings Our old friends Plunkett was the presiding genius at these meetings and as the battalions came out from the trenches they were able to come in night after night. Plunkett would stand there on the platform and get those fellows singing a. nd get them to forget for a little while- the harships through which they had passed. There one night. a battalion just out from their grilling in the trenches came in. lt was raining and cold and tho boys were- tired and depressed. They had left behind them many of their pals. As they come into the camp ground that night they saw the Y. M. C. A.. tent and came- in. The Colonel followed and stood at the back. Plunkett- got'-_hold of them, started them in singing songs, then c-n to some of the old hymns. He talked to them and helped them -to for get and lifted those fellows out of their troubles and finally they went out in different spirit. The Colonel as he went out with one of his oilic- ers, said 'That things got me tonight. I must go back and tcll those fellows. Did you see what happened to our men in there? Did you see how they were lifted up from their impressio-n?’ And he went back, grasped Plunket by,the hand and tried to tell him what it had meant to his boys. He had helped them to one of the great-; es victories- the victory of the spirit over the awful conditions of war.” A

i Ellis Pharmacy, Ltd. Money 10 Lear;

Money to loan at reasons r

of interest on good improved farms

or city property. Applications will ,_ _ receive prompt attention. _

_ H. J. PALMER,

Bank of Nova Scotia Chambers.

L..

CANADIAN GOVERNMENT RAILWAYS PRINCE EDWARD ISLAND-

TIME TABL IN EFFECT DECEMBER 4th. 1916

1289-11-27M1M0.

11.1600 s. iii-111711111

Trains Outward, Read Do n. Trains Inward. Ilead UD-

antlc Standard Time. A.M.

I‘.M. A.M. 3.45 11.50 5.00 - 1.15 6.45 2.06 6.22 2.49 7.00 8.30

P.M.

A_M. 7.35 Dep. 8.30 9.02 9,27 9.50 Arr. P_M.

.5 Atl

Arr. 11.40

10.36 9.59

9 _ 27 9.00

Charlottetown Hunter River 'Emerald Jct. Kensington

Bummerside Del).

P-M- P-M- A-M- W. E. Bentley. K. G.

10-20 Barrlstera and Attorneys-at-Law

10.15 9.20 8.48 8.88 8.00

6.15 5.80 4.50

.»

903

8:00 Money lo Loan.

Office-Bank oi' N. 8. Chambers,

Charlottetown, P. E. I. .. ..

8.1.0 ' - 12.15 DB9.

9.08 . 9.57 10.38

1.57 8.88 4.40 5.40 Arr.

8.45 7.48 7.08 6.19 5.45

SummersirF` Arr.

Port Hill 0'LeerY Alberton

Tifiillh D69-

5.05 5.81 8.07 13.65 12.00

1 wansunron a enaw

Barreters, Attorneys, Notary Pab-

_ so. lm.. eouoiwn me emma neat-

u_15 ‘ ` "F fin.

8.55 9.50

Dep. Emerald Jct.

Arr. Cape Traverse Dep_._

_-'_-1?’ SS?

ers Association. Bank of loiitred.

canada, Permanent Hottest! 0000!' 4 ' Odeee-Old Guardian Odeo. PM

- ilu.

:.00 4.10 4.76 4.57 4.00

A_M. 6.50 DBI). 8.40

_ 9.17

9.47 11.15 Ai'l'.

Arr. 9.45

8.35 8.07 7.44

Dep. 5.40

Charlottetown lft. Stewart Moreli Bt. Poten Bourfs

5.50 4.10 8.84 2.50 1.25

J. D. Stewart

7.10

1.15 5.04 5.85 6.00

_,f§'i“i

10.00 10.110 _ 11.10 Arr.

A_M. 8.50 DOD.

mlmin Dov- 5-9°

Arr. 8.55

7.40 7.10

Deo. 0.40

Mt. Btewsft Cardigan Montague Georaetowfl .

8.50 8.89 8.10 1.80

Barrister, Solicitor and Notary Public Omoo

..._ Nswsou ai_.ocx '

I-lat. Daily only ex. Sat.

'belly ex. Bat 0 Sun.

P - at . A-Mb _ 'Q 1 10_| ...'31 fi/p.-ro - ue.. Q-»g_<;,=_§~f,;>,-;;-_ 0"- ....1 4.2s ~4.55 . .. " M » m,f,,,,. im..." mp. 0.110 "°‘aiii'.`-25493-"\`\41ii4s smarwrin mums. fu.. eau.. suns" °l°°i=“°- M ` A

fr :A . ._ `

- °“" Charlottetown

1 was cured of Rheumatic Gout by

MlNARD'S LINIMENT.

Halifax. ANDREW KING.

I was cured of Acute Bronchitis by

MlNARD’S LINIMENT.

LT.-COL. C. CR-EWE READ.

Sussex.

1 was cured of Acute Rheumatism

by MlNARD'S LINIMENT.

Markham, Ont. C. S. BILLING.

Lalrefleld, Que., Oct. 9, 1907.

_5 Take Care oi Your Eyes

Most poople- you included per-

haps iire extremely negligent in re- gard to their eyes, and very culpab- ly so in regard to their children. This is because the public generally have literary no ides. of the number and variety of eye defects. They know in a general way of near sight, for sight, old sight, squint etc., and many with one or other of these de- fects, foolishly think it is only nec- essary for them to pick out at ran- dom from a number of spectacles a pair that suits. Alas, indny of the glasses selected in this way, that seem to suit exactly, prove most in- jurious and cause permanent in- jury. The fact is that Optical defects occur in such varying depress and in so many combinations tha# ohly the competent Optlcian with a complete Eye-testing Equipment sach as we

possess. is qualiéled to discover -the exact nature an ,dslrso 0! the trou- ble and properly correct ir.

‘ .l f`~. Baker. son of Mr. and Mrs. J. ._

The following ofllcial statements ini

detail of insurance companies trans-| acting the business of nre insurance., in Canada during the year-1915. to- gether with such tabulated summaries of those statements as ale' necessary to_exhibit the progress of the business and the condition of the companies. were published in the annual report of the Superintendent of insurance:

Fl-re insurance. 1915

During the year 1915 the business of

iire insurance was transacted' in Carr ada by S8 companies, as compared with 82 companies in the pr-ccerling year. Of the' 88 companies. 25 were Canadian, 27 British, 32 United Stat- es, and 4 French. One of the British companies, the Marine Insurance Compa1\y', transacted tire insurance only in connection with iis automobile business.

The list differs from that of 1914 by:

the disappearance of one Canadian company, the Equity Fire lnsurdnce Company of Canada; and* the addition of two Canadian companies, the Dom- inion of Canada Guarantee and Acci-

companies, the Anglo-American Fire lnsumncf Company and tb" ""- real-Canada Fire Insurance Company have been withdrawn. The companies have since gone into liquidation and their unexpired' Canadian policies have been reinsuied with the Western. Assurance Company. |

Since the beginning of the yeari

1916, licenses for the transaction oi.'» hail insurance, in addition to other." classes previously transacted. have

6.015.715 6.562.060 6,910,451 2.745.140 2.552.700

Ocean Accid"t 41: Guarantee. Palatine ._ Royal insurance ._ Scottish Union , . _ _ _ , Sun insurance _ __ _ . Union Assurance 3,308,216 Yorkshire _ ._ 383.133

Totals ._ $60,704,266

Net increase, $39,837,227.

Decrease.

Alliance... ._

$ 1,002,511

been issued to one Canadian com-

ri the Acadia Fire Insurance Com

Atlas . _ . .._ .,. .. Caledonian Law Union dt Rock ._

1,179,436 1.099.920 1.407.192

DH Y. ' pany. and five United States com-I panies, the Connecticut Fire insur- ance Compuny, Westchester Fire -ln- sursnco Company. St. Paul Fire and’ Marine insurance Company. Glens Falls insurance Company, and Ger- man American Insurance Company. while the Dominion Fire insurance Company has had its power to trans- act this class of business extended to include the Province of Alberta. Thei Bi-ltish Dominions General insurance` Company has obtained a license for sprinkler leakage insurance in addi-

dent Insurance Company, whose pow- ers wer-c extended durlirg the year- to include fire insurance, and the Lum

' ‘onti ict

he1'mnn'_:. Fire lndcinuiiy (_ -1 ; three British companies, the British Domlnions General insurance' Com- pany, the London Guarantee and' Ac- cident Conipany, and thc Ocean Acci- dent and Guarantee Corpoi-ation, the two latter companies having extended

company, Compagnie Francaise du

During the vear 1915, two United'

these companies have unexpired Canirdlan policies with the Western Assurance Company.

'1916, the licenses of two Canadian

Fire insurance

tion to its business oi’ fire insurance.

‘Tire l-lartford Fire insurance Com- ,pany liars obtained a license for ex- 'plosion insurance in addition to its iotlior classes of business. Additional _licenses have also been issued to the [Canada Acciikeiit Assurance Company for fire insurance, to the Law Union ami itock insurance Company for hur- glary and plate- glass insurance, to the

5,177,335 3.450.858 1,170,483 400,009 1.874.164 3.505.131

Liverpool London & Globe London & Lancashire ._ ._ Norwich Union Phoenix Assurance ._ Provincial __ Royal Ext-liaiige ._ _ L

..:.-3--.. __ 1

$20,867,039

UNITED STATES

AND OTHER COMPANIES

increase

Caliloriiia .__ ...S Equitable ._

Fidelity-Plleirix .. , Glen Falls _ _ _ _ _ _ _ _ . _ . _ 208,103 Globe & Rutgers _ . . . .._ 31,373,294 Home' _ ._ . _ . . . . _ . _ _ ._ . 1,622,816 .insurance (‘o_ of N. America 281,979

155,073 623.070 602.207

their business during ilic your to in- General Accident Assurance Company cl d fire i-nsurnnce; one United of Canada for steam boiler' insurance

u e

States company, Millers National ln- and to the Railway Passengers Assur-

- - bi d

surance Company; und one French ance Company for nutomo le an

burglary insurance.

Phenix. Fire Premiums and lnsoea ln Canada

ln 1915

States conipirnies ceased to transact ('ush received for pi-cmiums during new business in (tanudn, the Germs. the year in Canada ninounted' to $26,- niu Fire insurance Company and thel474,833, being less than that received Lumber insurance Company. Both of in 1914 by $1,024,325, and the amount

ins. Co. of Pennsylvania ._ Millers' National L La Nationale Phenix of Paris ._ Providence oi' Washington. Queen Springfield ._ _` _, Si. Paul... _ ._ Union of Paris . . . .__

2.520.262 2,436,455 3.864.089 3.644.889 1,138,142 632.297 3,904,644 2.188.862

803,618

.sv .

P i

Companies r;2';;v‘;'E|"

reiusured their i paid for losses was $14,161,949, which

is loss than that paid in 1914 by $1.- |l85,335. The ratio of losses paid' to

Since the beginning of the year premiums received is shown iii the

. following tablc:-

in Canada, 1915

i Rate of The

` Losses iL°';f” erxid some

paid - D ° for

- received. 1914 ‘ of premiums

Canadian . . . . _ . . . . . . . . _ . ._ _ 1

The corresponding results for the

forty-seven years over which our re- cords extend, arez- ~ Premiums received' ...$422,955,708 Losses Paid ...__ ._ 257,127,882 Rate of Losses Paid per

Fire insurance rin Canada for

4,559,076

British _ _ . . . . . . . .._ _ ._ . 13.609360 United' States and other . _ _ _ . _ . 1

26.47-4,83'l ,

lr£';PE§_°_;;._j_;_'_';'_';___'_j ‘ ‘ ' ' _i______. __,;_i_ _f..._..___ ‘ __ A W. - - ------ --

the Forty-,Seven Years-1869-1915

E _

2,625,360 57.60 69.26 4,646,720 1 50.62 56.86 6,889,360 I 74394 _ 5230

74,161,943 _ 53.40 55.111

cent. of premiums re- ceived . . . . _._ 60.79 Taking the -totals for the same'

forty-seven years, according to the

‘ nationalities of the companies, the following are the results:-

Compnnies 1

Rate of

. i

Premiums Losses L03? cgftd

received. paid. of premiums

received

Canadian _ . . _ _ _ . . . . . . . . . . _ . . .. . British . . . . . . . . _ . . _ _._ . ._ United States' and other _ . . . . . _ . ._ _

Totals ..._._._.Y._.;..

jjl253.013,ao4 44.483166

62.70 61.44

78,711,790 155,444,540 , 56.51

$ S

91,230,608 67,200,156

__i422,965,708 267,127,882 1 60.79

The loss rate for 1915 (53.49) is

7.30 below the average for the forty- seven ye-are over which our records

41'.

exten

Obtaining an approximation to the

losses incurred during the year, by excluding the _es- timates for losses outstandipg

D’.B.9..lid other _ . .....54.02

at the beginning of the year, and n-- os cluding ' _V

those of the year still unsettled, the ratio of the losses incurred to premi- unis received comes out 51.68 per fcent., which is 6.24 per cent less than Ithe 57.82 of the previous year, and is 5.29 per cent less than the average

'for the lapt fifteen years (56.87). The ‘following are the rates of incurred l 'ses from 1901:-

tlre amounts estimgted_fgri_____ m__*____>4W_______ ,F__,_#,___,::_____:*__________

Companiéil “ij -7 |i915.| 1914.|1913;g1912.|1911115F11H651Ui§0a]H1'0UiiiNsT[i%6_i' 1s04_.|_1003_.;_1ii0_g£00i

Canadian I' ‘_'f'."_`f'."f'_'.' §'.\5i’.f1'§ 61.50 6131 5`2._59'5§’.'.0i1"6T)f4`i'55§7772f1`i`53f28'52l68 48.71 T)'7.50|53.17 42.51 58.22 British " ' 'f _ _ _ _ _ 49.54 66.15 64.78 50.95 53.60 67.01 49.-74' 511.07 56.22 46.65 43.07 11o.s4|50_07 40.40 74.15

° ` " ' ' 65.74 51.36 40_46|as_01 110.56 47.03 38.61 60.ss

55.19 56.96 50.21 48.95 59.72 46.72

Totals . . _ _ . . . __.$55,879,789

Nei decrease-, $42,090,646.

Decrease /Etna... _.$ 2,060,954 American Central _ ._ 5,725,151 American insurance . 278,022 American Lloyds ._ . 57.209 Connecticut _ 811,884 Contfnental ._ 2,180,742 Fireman’s Fund _ 2,281,371! Firemen's Insurance _ 146,410 General of Paris ._ _. 2,030,276 German American ._ 30,527,566 Germania ._ ._ 1,016,675 Hartford' _ ._ 554,920 Lumber 7,511,560 National-Ben Franklin . ._ 17,599,767 National of Hartford ._ .. 18,696,612 National Union . . . . . . .._ 1,243,065 Niagara . . . . . . ... 686.704 Nortliwes‘te'l‘n National 355,643 I’hoeni'x of Hartford.. 3,714,262 `Westchester 491.640

$97,970,435

Premiums andi Losses Compared with Risks.

The average rate of premiums charg-

ed on each $1.000 of risks taken in 1915 is $11.586, as against $11,667. which was the correspnding rate in 1914.

The losses, i-ncurred (approximate)

during the year, compared- with the amount of risk current (taking for this the mean of the amounts in force at the' beginning and end of the year), have been _at the average rate of $3.91 per $1,000 current risk. The corres- ponding rates for 1882-3-4-5-6-7-8-9-90- 1-23-4-5-6-17-8-9-1900-1-2-3-4-5-6-7-8-9-10-11 12-13-14, are $5.68, $5.56. $5.37, $4.54, $4.58. $5.70, $4.70, $4.19, $4.84, $5.38 $5.61 $6.17, $5.50. $5.75, $5.15, $5.38, $6.20, $4.99, $8.38, $6.68. $4.06, $5.22. $12.05. $4.88. $4.97. $5.69. $6.41, $4.83. $5.61. $5.07, $4.73, $5.00, and $4.67 respect-

ively.

British Fl-re Companies

The total cash receipts for fire pre-

miums were $13,609,363, being a de- crease of $101,545, as compared' with the previous year; the payments for

fire losses were $6,889,360. being

.4 ._ i 7 A ___515s|

Total ..._w_.___ .___ Fire Insurance in Canada ln 1915

The gross amount of policies, new

and renewed, taken during the year by fire companies was $3,111.652.903, which is greater by $7,451,335 than

5762166.71

62.54

61.12 68.40

50.46i60.77i64_02

46.7a|4:1.a0 10736 50.s4|40_56l70.g

“.1 ii-

i915"`t6 "s76',04s',345,"being 411137.61;-1 1.1661- The loss raw 163-49) is '. -‘_ the amount rakgn in 1914, The pre-‘per cent lower than the loss rate or miums' charged thereon amounted in the Previous year (55.81) “lid 7--ill lesa than the amount charged’ the pre-i DUI' CGM- l0W@l' than U19 EVBFBEB |985* vious year. The rate of premiums rate (60.79) f°l` U19 DH!! (Orly-Revell (1.169) is lower than that of l914iY¢lH'S-

U. S. and other 1.000.27

"_`:L“_” `°;#Y Gross amo\H "D;"Y"”;;_i;'T\ate of f irrpc The ' The i The _ The

of Risks Premiums I Prenrlivmlil, same 5:39 some 2:19

Companies. taken during charged- gparge pe , mr for

the year thereon cent of 4 1914 1913 1912 - 19” ` 191°

_ ___ .__ _ _,___ fl;'1l£‘i?i‘3i'li__.__.__

$ $ cts

same for

._____` --.-- - - .

1.33

canadian _ _ _ ~ 673,244,131 s,427.065.2s 1.25 1.24 1_2, 32 aririsi. _ . . .__ _ 1,435,037,721 16_s07.40i.14 1_3; 1.111 _ln -2

1.0511 10.8l2.978_97

1.41 1.33 1 33

109 ___._._

1.35 _ 1.113 1.41

4-4 :.2 G

Increase

Beaver British America... .. Canada National Dominion of Canada _ _ Hudson Bay .. London Mutual ._ Lnmbermen’s l-`.l. Contract Mercantile . ._ Mount Royal.. ._ ._ North West . . ._ Occidental _ ..

TOUII Net increase. 9.704.754

'l"&‘l!‘___- ~;;_:_-1-.-;_:; ----_--

_ _~ 1. 8 '

- _ --- ---__~ - 1.21 1.29 .3

6,048,345 39 I 116 i 1.17 1 Y

:1,111,_552.9os|

_______3___,__ -__ nm ;___

k $49,112,609. and the increases for

Decrease.

4,059,716 Anglo-American ._ ._ .. .. 1.071.523 British Colonial __

999,400 British Northwestern

289.592, Canadian .__

1,433,244 _ Dominion _ _ _ _ _ ._ _ . 1,647,361! Factories . _ . _ _ . _ _ . . _ . .

583,075 imperial Underwriters

5,405,590 Liverpool-Manitoba . . . . _ . 1.07’l.090IMontreal-Canada ._ .. 4.040.584 Nom. Empire _.“_*.,@,.4 ._

The increase in the amounts ta en

In 1315 as compared with 1914 by I British and Unitcd' States and other Canadian companies is $9,706.454_~companies reporting to the Depart- For British companies there is an in- ment were $79,275,400, and $148,738,- crease' of $39,837,227, and for United 224 respectively. States and' other companies there is The details of the increase and dd- a decrease of $42,090,646. crease for the individual companies

in 1914 the decrease in amounts are aa follows:

written by Canadian companies was' .. __ ._

i CANADIAN COMPANIES

...$ 600,180 164645... ...S1.szo.71s

8.575.441 19.438307 1.072.991 1 .06 1,522 5.503.828 18,508.327 1,654,054 3.548.590 4.561.788

601189 448 005

Western... . _ _ ._ 44,882,895 Pacific Coast ... ... .. g.”

|Quebec ... 71,1

s65.0s9.4s6 _ 955.984.7412

BRIITISH COMPANIES '

4' - - lo .-iii' .____._._.._..-1.000.540

Branch Omce G°°"'t°"n "' J 'num' mm” 31111110.7011 1.25.10.: rciusraaiosa A661411 sss.s64

0.4:. *-31 D"'""° 'M b°u°'°"' Hmm' D°m""°M _II icIso2.z70 1.41.6161. A».nn..<=5 __ _ 952.950

7.0

_ ` .

on l ,

0 M°°°’ ‘° '“’°“ R” ---= 1:.-1;-...-_-’-... -1!-.rs-1---°--° ;.`.-:.1-_-1;-:::f'._1f.':.'::::, __ ........ ..._

$907,122 less than for 1914, while the general expenses amounted to $4,503,- 220, being $146,888 greater than Jn 1914. thus showing a balance `of $2,- 216,783 favorable to the companies. .ln the previous year there' was a fav- orable balance of $1,558,094. _

Paid for losses _ . . . _ . . . _ .$ 6,889,860 Paid for general expenses. 4,508,220

Total . _ _ _ . _ _ . _ _ . _ .$11,892,580

Received tor premiums . . _ 13,509,803

Balance in favor of the

companies _ _ . _ . . _ . . _ .S 2,818,781

The following details give the bal-

ances for the diffeielit companies:--

lalanoee in Favor.--Alliance, $58,-

512; Atlas, $34,367; Caledoni-m_ nr.:4.~ 35|; Commercial Union., $164,964: Employers' 1Llability.- $89.98!; umerei Accident. $58,559; Guardian. 9190.- 588: Liverpool and London ihil Gl"°~~. 9905.951: London sad, Lancashire 9188.989: London Assurance. 400,050: North islet and,~¥¢.-.uarB.lo, $145.- 80; noni. 914 350; Norwich Union. 2.040: Ocean Accident and Guarantee. $38,788; Palitiae, $49,715; Plioenlk at wnduo._$lli.§¢i»_Pi2z&,

1444444 """"('c»..4n..l»4'¢...a4g4 est) .,

-.-'»-.

__--_ §

i¢i‘*\5¢$~§

-A

_»_

"$1

11.1;

~ -.i

_“_”-"mum Estate lm". ___ ri.-4 a 1.144. 2.570.074 10...-154.1. ._ . . q V YA

\.. 7 I . _ `, `. ._ ‘ ' '; `iir"`-" ,_--5...

» .1

_gi