It
THE OMAHA SUNDAY BEE; APRIL 25; 1900.
STATE'S PROFIT ""
FROM INSURANCE
Nebraska's Treat ary'Enriched to the
Amount of $539,307.87 in
Last Six Tearl.
SIXTEEN THOUSAND LICENSES OUT
Insurance Department of the State is
Poorly Equipped.
Fidelity. ' casualty and
uret companies frt,0.l
t 7MH5.S.3 $7,3S.913
Ixp ial.1 in Nebraska durlng 1W7
reached the total of $4.7i42, as follow a:
Fire Insurance wmranlm-
Nebraska stork companies..-.' $ 24. ins
Stock companies of other states.... ini7.fi 1 5
Mutual companies 8"1.M9
ANALYTICAL STATISTICS LACKING
Economio Importance of Inurance
Businei is Tremendous.
FIGURES ON FLUE, LIFE, ACCIDENT
Nebraska Life Companies Are Grow
Ins la Eaaconrairla Fashion, and
the Fraternal Are MaU
' Ins; Ureat Galaa.
Fire, life and accident Insurance busi
ness )n Nebraska foots up a. very sub
stantial total In theae later years. At the
present time tliere are 16,000 certificates
granUd by the state Insurance depart
ment, indicating that many agencies 01
several hundred companies. There are not
that many agents, of course, slnoe one
.agent often represents several companies,
' and he must have a certificate for each
corrip&oy represented. Just how many
ast'bta there are, not even the state In
nurance deputy can tell; nor can the In
surant department of the state auditor's
office tell the percentage of losses Ln Ne
braska to premiums paid. These statement
need some explanation of a peculiar con
dltltori existing In this state.
In the six years preceding 1914 the entire
receipts of the Insurance deputy's office
totaled S198.763.87. During the same time
ths salaries and running expenses of the
6ff!ce cost the state $30,540. thus leaving
a balance on the right side of the ledger
of $168,29.87. During the six years since
1908 the amount collected for the state
treasury from fees , and taxes totaled
Jjf9i847.87, while the expense was the
same, )30,640, leaving 'a balance U the state
Of $639,307.87.
Ottlce Force Inadequate.
In spite of the tremendous Increase In
Income from fees and taxes, the office
forte, has not been Increased, nor have
the salaries been boosted. The result of this
policy Is, that analytical work on .reports
Is almost totally neglected. Today there Is
plld oo tables ln the state Insurance
deputy's office hundreds of reports that
ha 5' not been examined or tabulated by
the state actuary, because of lack of time
on his part and insufficient help at the
time When the reports come In. During the
session of the legislature Mr. Wiggins, the
actuary, waa kept busy looking up infor
mation of one kind or another, or making
examinations. ' The state auditor, very
properly, perhaps, has considered the mak
lug Of examinations of companies aa of
more lmportance than the tabulating and
analysing of reports. So the reports await
the day when the state actuary shall have
the time to attend to them.
For the blonnlum ended December 1, 1908,
the receipts of tho Insurance department
of Nebraska were 1223,743.84, divided as
follows; From fees, $63,602.76; taxes from
fire Insurance companies, $23,966.43; taxes
from life' Insurance . comp.uues. $3,883.77
taxes from surety ?omjanks $s3.S2; from
1 pur cent op gross premiums, $US,6o0.13;
from 3 per.ceit tax, on surety and miscel
laneous companies. $13,761.94.. For the same
period the total expense waa.; For salaries,
$7,6SO running expense, $2,600- total, $10,180.
Fltld la Well Covered.
On November 30, 1908, the companies doing
business in this atate numbered 346. There
were five Nebraska stock companies,
nlnety-nlno stock companies of other
states, suventy-ono mutual fire companies,
forty-six legal reserve life companies, four
halt and plate glass companies, twenty-four
mutual benefit ' associations, life and
accidont ' companies; fifty-one fidelity,
casualty and surety companies; forty-six
fraternal beneficiary societies. -
Risks written In Nebraska during 1907,
with premiums received, were:
Fire Insurance Risks Prem.
companies Written. Rec'd.
Nebraska stock com
panlea $ 69.n6.633 $ 922,641
Stork Companies other
states 182,183,827 2.829,664
Mutual companies 66,6i,577 UnH.'Oi
' ' ' ' $306,96S,038 $4,440,441
Life, accident and mis
cellaneous companies?
Nebraska legal reserve
companies $ 6,762,449 $ 854,770
I jural reserve life com
putes of other statee... 8,477,662 2,676,186
Mutual benefit life and
accident companlea 35,708,000 677,664
Fraternal bemflciary so
cieties 28.a7.812 2.629.860
Mutual ball companies... 38,429
Certificate of Publication.
TATE OF NEBRASKA,
Office of
AUDITOR OK PUBLIC ACCOUNTS.
LINCOLN. Feb. 1. 19o9.
IT 18 HEREBY CERTIFIED. That th
Hurt ford Steam Boiler Inspection and In
surance compuny of Hartford, In the state
of Connecticut, has compiled with the In
surance law of this stale, applicable to
$1,563,329
Uf, accident and mlnrrllaneous
companies
Nebraska legal reserve life com
panies 83,436
Leaal reserve life companies, other
states 74i.l!r.!
Mutual benefit, life and accident
companies M3.4m
Fraternal beneficiary societies l.K74.7
Mutual hall and plate glasa com
panlea 18,358
Fidelity,1 casualty, and surety com
panies 149,919
$3,209,096
F.connmle Importance Immense.
The widespread economic Importance of
the Insurance business of the United States
can best be shown by- aome statistics
printed by the Spectaitor, the New York
nsurance journal, on March 4 and 26, last.
Pillowing is a summary of the figures
printed, giving the financial condition of
he principal fire Insurance companies
operating In this' country, as of date Jan
uary 1, 1909:
Cash capital $ 72.230.onr)
Total assets 460.623.867
Net surplus lM.147.0ifl
Net premiums written 1908 263.721,936
Total income 1908 271.943.712
leases paid 1008 142.626.6M
Dividends to stockholders 8.931.311
Total disbursements 246,644.944
Thla allowing may be considered tui some
what remarkable, from the fact that the
year following tho Ban Francisco fire wsia
a very bad one for the companies. Security
values almost touched bottom, affecting
disastrously the financial exhibit of a great
majority of the companies. The following
year, 1908, waa also quite unfavorable, be
cause premiums decreased while losses in
creased, but fortunately for the companlea
the values of securities Improved In a
noticeable degree.
Great Jihovrlna- of Onea.
For 161 life Insurance companlea, Includ
ing one Omaha and two Lincoln companlea,
the following showing was made, as of
date January 1, 1909:
FIRE WARDENS ARE CREATED
Governor Will Appoint a Chief and
Two Deputies, for State. -
MAYOR NAMES ONE FOR OMAHA
Dnty of harden Will lie to Take
Prrrantlona Against Fire and
to . Punish Incendiarism
V Where Possible.
A law to create a atate fire marshal,
with two assistants, waa passed at the re
cent session of the legislature In Ne
braska, together with a law to create the
office of fire warden In the city of Omaha.
Under the new law the governor appoints
the state warden and assistants and the
mayor will appoint the city warden when
he law takes effect July 1-at a salary of
$1,600 a year. His duties will be to see
that all ordinances of the city affecting
the matter of fire prevention are enforced
and also to Investigate the causes of fires.
He will likewise be expected to cause the
romoval of possible causes of fire, have an
oversight of the storage of combustibles
and generally watch for the preservation
of property from fire. Similar duties de
volve on the state wardens, in a larger
field.
Possible convictions for Incendiarism are
not regarded elsewhere as, the smallest
part of the duties of a fire warden. Sta
tistics from the office of the fire mar
shal ln Ohio show that the number of
convictions for Incendiarism In that atate
In the last three years exceed the num
ber convicted during the hundred years
preceding the creation of the office. In
Texas also, during the last winter, an
effort waa made to establish the office of
fire marshal because of a loss during the
last year of $7,000,000, as against not quite
$3,000,000 loss In Nebraska. '
Good Work of Wardens.
Nine states now have fiTe wardens', part
of -whose duty ln Minnesota and the coast
states Is to protect the standing timber
as well as other property.
WEBSTER. HOWARD & CO.
GENERAL INSURANCE AGENTS
1 '.' i
All
Companies.
Total assets v $ 3,4ti4.K.2,608
Capital and nnasslKtied funds ibU.jJo.vn
Premiums, 1908 642,718,577
Total Income. 1908 699.679.0KO
Total paymenta to policy holders, 1908 ;4,492,370
Total disbursements, 1908 466,214,066
New business paid, 1908, including revivals:
Ordinary I,463.nfi7.:95
Industrial .. 606,073.906
Whole amount In force Jan. 1, 1909:
Ordinary 11.832.614.661
Industrial 2,667,387,067
Gain of amount in force in 1908:
Ordinary 348.916.648
Industrial '. 91,860,368
Bankers'
Reserve
Omaha.
$ 1,666,344
389.340
834,372
894.331
19:1,438
632,701
6,109.750
Midwest
Life
Lincoln
$ 161,662
. 120,i.'K
V 51.478
59,782
4.694
34,696
Bankers'
Lincoln.
$ 2,813.039
669,273
8:2.0Ol
' 923.366
115.326
340,612
681,001 6.087,184
21.896,256 1.453.218 23,923,074
9,132,953
300,968 2,125,744
The life insurance companies of the
country hold for the future protection of
the policy holders nearly $3,600,000,000.
Further, this vast aggregate Is well In
vested, and about every penny of it is
aiding, in one way or another, in the de
velopment of the country. The outstanding
contracts of the companies comprised In
the above table, for ordinary and industrial
Insurance, represent $14,600,011,718. Standing
p'.edged, as they do, to c.lstributa this money
as the contracts mature, the good manage
ment, and good treatment by the Btates
and the matron a government, -of thom
panles involved means very much to the
economio welfare of the nation, - because
the Interests of the companies, the policy
holders and the country-at iarge--ara all
closely Interwoven.
Colombia, Fire Insurance Company.
Tho Columbia Fire Insurance company
qf Omaha makes a notably good statement
for 1900, especially as 'it carries all its In-
wstmunts at, par value, not taking any ad
vantage of the numerous Increases made
during the year. I to assets are $1,082,632,
which puts the company ln the millionaire
class The increase in assets for the year
Is $159,612; the reinsurance reserve, $698,800,
an increase of $133,696. and the net surplus,
$169,938, also an Increase of $25,91X The net
premiums for 1908 were $621,707, an In
crease of $102,719. The Columbia has in
creased its assets from $200,000 to over
$1,000,000 ln nine years, which certainly
shows a capable management and safe un
derwriting. This company Is now licensed
to transact business ln Iowa, North and
South Dakota, Kansas and Oklahoma, be
sides Its home state, and among Insurance
men generally It Is conceded that the
Columbia has one of the finest agency or
ganizations ln the west. This company has
always been noted for Its conservative
management, its prompt settlement and
payment of losses, and the widespread
confidence it has enjoyed from the Insur
ing public. This compuny publishes and
sends out as advertisement a statement,
giving a description in detail of each real
estate owned, each block of bonds owned,
each bank in which It has a deposit and
the amount in each, enabling the stock
holders and tho public generally to Judge
as to the safety and resources of the com
pany. A recent examination made by the
insurance department of the Btate of Ne
braska discloses the following informa
tion for the public:
I know of too company that has been
more aggressive in striving for business
than the Columbia Fire, but it has kept
Its charges for agents' commissions and
management expenses well ln the limit of
safety. Its books are well planned and
correctly kept. The home office expenaes
are very reasonable, and the number of
employes are kept down to the minimum.
There are hut two salaried officers, the
secretary and assistant secretary, no salary
ever having been paid to other officer or
director. I find much to commend ln the
Some Investigators assert that fully 50
per cent of fires are Incendiary and that
a very large per cent of the rest are
caused by carelessness, some of It of a
criminal . nature. Advocates of the fire
warden system insist that specialists are
needed to cope with the problem of fire
protection and for the investigation of
suspicious conflagrations. W. S. Rogers,
the state fire marshal of Ohio, ln a paper
recently printed, says that until the ere-
atlon of the special force of detectives ln
that state court officers agreed that, per
Jury aalde, incendiarism .was the crime in
which trial was most likely- to result ln
'acquittal, for . the reason that in arson
cases there Is always difficulty ln estab
llshing the fact that a crime has been
committed.
"The Jncendiary," says Mr. Rogers, "is
bothered with no plunder which has to
be concealed or sold," whereas "the bur
glar must bother with the goods." He
says further that "the most important
result of the activities of a fire marshal
Is the deterrent effect. Knowledge that
Incendiaries are quickly pursued and usu
ally punished greatly diminishes the num
ber of crimes."
such companies and Is, therefore. uUur-
ixed to continue the business of jipri ; management of this company. It settles
iioiier insurance in iron state iui uu cur- lessees promptly ana equitaoiy, ana conrines
January. 3lst, win.. it business to nearby territory.
rnnt wear endine?
Summary of report filed fur til ywtr
ending December 31at, 1908:
INCOME.
Premiums 11.157.586 56
All other sources ... 191,592.63
Total $1,349,178.09
DISBURSEMENTS.
Paid policy holders.... 90.936.33
All other payments.... l.lJ&.iSu.iW
, Total ,A $1,226,516.23
Admitted assets 4,424,42i.41
LlAHlUTi:a
Unpaid claims and
expenses .....$ IS. SSI 11
Unearned premiums .. 1.86.729.16
All other liabilities... 9i.2so.71 $2,006,231.98
Capital stork paid up.. I,0uv,0u0.uu
Surplus beyond capital
stock and other lia
bilities 1.418.034.43 I2.418.0ffl. 43
Total ..$4,424,426.41
Witness my hand and the seal of the
Auditor of Public Accounts the day and
year flxat above written.
SILAS R. BARTON.
(Seal.) Auditor of Public Accounts.
C. E. PIERCE. Deputy.
W. S. Curlls. Special Agent
105-406 McCague Bldg.
Omaha, !eb.
1 cbbttpicatb or rvaucATiov.
STATE OF fsfc.UK ASK A, or'FlCfci OF
4 - AUDITOR OF Pl'bLlC ACCOUNTS.
LINCOLN, Feb. 1, 1909.
IT Id HEREBY CERTIFIED, That ths
- Commercial Union . Fire Insurance com
pany of New York, lu th state of New
York, bu compiled with the Insurance
law of .this stale, applicable to such com
panies and Is .herefore authorised to
tonlinu the business of fire Insurance ln
this state for the current year ending
January list, 1910. . .
Wltntiss ' my hand and ths seal of the
Audits of Public Accounts the day and
jr first above written.
. K1LA3 R. BARTON.
Auditor of Public Ac.ounta. '
a. E. PIERCE. Deputy.
Tills company Insures property against
losa or damage from fire, lightning, cy
clone, tornado and windstorm.
Wh Larkare Was Larking.
Wilton Lackaye tella the following story
of his early efforts:
"Lawrence Barrett had engaged me to
play 'another,' one of his friends, In 'Fran
cesca da Rimini.' I was engaged to play
at $26 a week and provide my own cos
tumes. That seemed easy enough, but
after we had been out six weeks Mr. Bar
rett began putting on the other plays of
his repertory, and I had to play several
parts in each, and that meant as many
changes of costume. I bought what I
could and borrowed the others. It was
about this time that he played 'Julius
Caesar.' I appeared ln four roles and got
on very well by borrowing, until the last
act. Then all the other members were on
the stage and needed their costumes as
Roman soldiers. I put on a pair of rigged
pink tights and an old white tunic that
Otis Skinner had outgrown and discarded
he waa about a head shorter than I am.
I knew I was not looking my best In them,
for I was as tall as I am now and weighed
120 pounds. But I was not prepared for
what Mr. Barrett said to me.
"When the curtain fell he beckoned to
me. I approached. 'What do you think
you are Impersonating?' he asked.
'I am trying to Impersonate a camp
follower, one who skulks after the army
and roba the dead,' I answered.
"Mr. Barrett took another long survey
of my unattractive person before he re
plied: 'You looked like a sore finger.' "
The Designer.
Quirk Action fvr Your Money Toi get
that by' ualiig'The Bee "advertising Columns
In Intaraare Offlce.
Two hundred years of continuous bus!
ness existence and steady growth consti
tute a record without parallel among prl
vate enterprise ln the world today.
This unique distinction- Is enjoyed by the
ancient Hun Insurance office of London,
and throughout the civilized world agents
and policy holders of the venerable Insti
tution are this year celebrating the bi
centenary. The record of the Sun Insur
ance office becomes all the more remarka
ble when It is recalled that, according to
the statistics of the commercial agencies,
not more than five out of lOODnsJness en
terprises are successful. Very fewof even
the enterprises reckoned as successful en
Joy a continuous life of more than a gen
eration. The old "Sun of London," as the agents
refer to the company, not only has ln the
matter of continuous existence a record
but originated most of the practices which
now underlie the vast fabric of modern
fire Insurance which, more than any other
factor, supports the commercial credit of
the world. In 1714 the Cun appointed a
bricklayer and carpenter to be the what
was then -galled a "surveyor," and this ap
pointment was the origin of the present
complicated system of inspection by which
the hazard of a risk and the rate are de
termined. The Sun also laid the foundation for the
modern local agency system when It ap
pointed, early in the Eighteenth century,
a representative at Shakespeare's home
Stratford-on-Avon JoBiah Freeman.
Modern fire departments were also orig
inated by the Sun. Early ln its history it
organized a company of what were known
as "watermen," whose duty it was to pro
tect the risks upon which the Sun had Is
sued policies.
In addition to these things the Sun also
originated many underwriting practices of
purely technical Interest
After 130 years of business confined to
England the Sun began to accept colonial
and foreign risks until at the present time
it maintains agencies in very country In
the world, where modern business methods
have penetrated. This geographical ex
pansion has been accompanied by a cor
responding financial growth. After its first
twenty years of existence the Sun had in
surance in force amounting to $50,000,000.
In 1801 this had increased to $400,000,000;
In 1890 It waa $1,826,000,000; in 1904 It was
$2,500,000,000. and at the present time the
insurance in force is close to $3,000,000,000.
Ia addition to cash assets of over
15.250.OOO H15.367.370. to be exact.) Sun
policy holders have ths protection of $12.
OCO.OOO of subscribed and guaranteed capital.
The Bun's net surplus above all liabilities
amounts to $8,052,180.
Twenty years faithfully serving our patrons . arid still;
representing companies absolutely sound and reliable
with assets aggregating $60,000,000. All losses adjusted
from this office promptly
and paid in cash. We call
the attention of careful in
surers to these facts and
respectfully solicit a share
of your patronage.
CXBTIXICATS Or PUBLICATION.
STATE OF NEBRASKA,
Office of
AUDITOR OF PUBLIC ACCOUNTS.
LINCOLN, Feb. 1. 1909.
IT IS HEREBY CERTIFIED, That
the Insurance Company of North
America of Philadelphia, In the state
of Pennsylvania haa compiled with
the Insurance law of thla state, ap
plicable to such companies, and la,
therefore, authorised to continue the
business of Fire, Tornado, Marine
and Inland Insurance ln this state
for the current year ending Janu
ary 31st, 1910.
Wltnesa my hand and the seal of
the Auditor of Public Accounts, the
day and year first above written.
SILAS R. BARTON,
(Seal.) Auditor of Public Accounts..
C. E. PIERCE. Deputy.
CTKTXTICATB OT PUBLICATION.
STATE OF NEBRASKA,
Office of
AUDITOR OF PUBLIC ACCOUNTS.
LINCOLN. Feb. 1. 1909.
JT IS HEREBY CERTIFIED. That
the Scottish Union and National In
surance company of Edlnburg, Scot
land has complied with the Insur
ance law of this state, applicable to
such companies and is, therefore, au
thorized to continue the business of
Fire Insurance In this state for the
current year ending January 31st,
1910.
Wltnesa my hand and the seal of
the Auditor of Public Accounts, the
day and year flmt above written.
SILAS R. BARTON.
(Seal.) Auditor of Public Accounts.
C. E. PIERCE, Deputy.
CXKTITICATB OT PUBLICATION.
STATE OF NEBRASKA,
Office of
AUDITOR OF PUBLIC ACCOUNTS.
LINCOLN. Feb. 1. 1909.
IT IS HEREBY CERTIFIED, That
the London Assurance Corporation
Insurance company of London, Eng
land, has complied with the Insurance
law of this state applicable to such
companies and la. therefore, author
ized to continue the business of Fire
Insurance in this state for the cur
rent year ending January 31st, 1910.
Witness my hand and the seal of
the Auditor of Public Accounts, tho
day and year first above written.
SILAS R. BARTON,
(Seal.) Auditor of Public Accounts.
C. E. PIERCE. Deputy.
CEBTirXCATS OF PUBLICATION.
STATE OF NEBRASKA.
Office of
AUDITOR OF PUBLIC ACCOUNTS.
' LINCOLN, Feb. 1. 1909.
IT IS HEREBY CERTIFIED, That
the Liverpool and London and Globe
Insurance company of Liverpool,
England, has complied with the In
surance law of this Btate, applicable
to such companies, and Is, there
fore,, authorized to continue the busi
ness of Fire Insurance In this state
for the current year ending January
31st. 1910.
Witness my hand and the seal of
the Auditor of Public Accounts, tho
day and year first above written.
SILAS R. BARTON.
(Seal.) Auditor of Public Accounts.
C. E. PIERCE, Deputy.
GEBTXriCATE OP PUBLICATION.
8TATE OF NEBRASKA,
Office of
AUDITOR OF PUBLIC ACCOUNTS.
LINCOLN, Feb.. 1, 1903i
IT 18 HEREBY CERTIFIED. .. TUaA,
the SI. PaulFIre and Marine Insur
ance company of St. Paul, ln the state
of Minnesota, haa omplled with tho
Insurance law of thjs. state appli
cable to such companies and Is, there
fore, authorised to continue the bust'
nesB of Fire Insurance In this atate
for. the' current year cndlnf January''
31st. 1910.
Witness niy; hand and the seal of
the AuditorJof Public Accounts, the"
day and year first above written, f i
' "VILAS R. BAllTON, .
(Seal.) Audltor'of inrlillo Accounts.
' - , C. E. PIERCE, Deputy. ,
eiBTxnCATB or publication.
. STATE OF NEBRASKA,
office, of
.AUDITOR OF PUBLIC "ACCOUNTS.
LINCOLN. Feb. 1, 1903.
IT IS HEREBY CERTIFIED, That
the Hanover Fire Insurance company
of New York. In the riofe of New
York, haa compiled wlfti the Insur
ance law of this state, applicable to
such companlea and la, therefore, au
thorized to continue ths business of
Fire Insurance in this state for the
current year ending January 31st,
1910.
Witness my hand and the seal of
the Auditor of Public Accounts, tho
day and year first above written.
SILAS R. BARTON.
(Seal.) Auditor of Public Accounts.
C. E. PIERCE, Deputy.
Phne Douglas 970 :
After 6 P. M.-Harriey 1059
326 Bee Bid;., OMAHA, NEB.
B 1
V ri II J
"mamai laiiniml 1 xu um-uillij ai.ua i.iiiiiiiiiimiii wi uniiiiaiiimmii ni mi i imiii niiiinMiMMiiiMiAsi'i"wiiMWMiiitiiiliM imisi miwwh iisiiiw mi mimimii iWmm nrjj
j'il"l'li'lima iwm! ' 1 -'fcwiiiaaiMaa
H. E. PALMER, Pres.
in FEE?
j Lid L3D
J. D. FOSTER, VIce-Fret
JOSEPH DARKER, Secy.
O.,
Surety Bonds of Every Mature Executed Immediately; Accident, Steam Boiler,
Employers9 and Public Liability, General Liability, Landlord's and Contractor's
Contingent Liability, Burglary, Plate Glass, Sprinkler's Leakage, Flywheel, Ele
vator Liability, Workman's Collective Insurance, Automobile Insurance.
CEBTXriCATB O rrVBUOATIOV
STATE OF NEBRASKA, OFFICE OF AUDITOR OF PUBLIC ACCOUNTS '
LINCOLN. February 1st, 1909.
IT IS HEREBY CERTIFIED, That the Fidelity and Casualty Company
of New York, ln the State of New York, has compiled with the Insurance Law
of this State, applicable to such companies and Is therefore authorized to con
tinue the business of Accident, Health, Liability, Fidelity, Plate Glass, Steam
Holler, Burglary. Surety, Fly Wheel and Workmen's Collective Insurance ln
this State for the current year ending January 31st, 1910.
Summary of Report Filed for the Year Ending December 31st, 1908.
1 . INCOME
Premiums ,6'3"??'!2!'?!
All other sources 861,666.26
Total 16,679,187.34
Paid Policy Holders..
All other payments .
DISBURSEMENTS
.$2,429,876.33
. 3,833,626.21
Total
Admitted Assets
LIABILITIES
Unpaid Clalma and Expenaes 55
Unearned Premiums 8'5I2'?5? S?
All other liabilities UMJISS
Capital Stock paid up..: s 1,000,000.00
Surplus beyond Capital Stock and other liabilities.. 2,011,834.00
$6,262,902.64
$8,649,886.66
Total
Wltnesa my hand and the seal of the Auditor
and year first above written.
(Seal)
C. E. PIERCE, Deputy.
$5,638,051.66
8.011. 874. 00
$8,649,885.66
of Public Accounts the day
R. BARTON.
Auditor of Public Accounts.
CERTIFICATE Or PUBLICATION
STATE OF NEBRASKA, OFFICE OF AUDITOR OF PUBLIC ACCOUNTS
LINCOLN, February 1st, 1909.
IT IS HEREBY CERTIFIED, That the Title duaranty and Surety Com
pany of Scranton, In the State of Pennsylvania, has compiled with tho Insur
ance Law of thla State, applicable to such companies and la therefore author
ized to continue the business of Surety and Fidelity Insurance ln this Stute
for the current year ending January Slat, 1910.
Summary of Report Filed for the Year Ending December 31st, 1908.
INCOME
Premiums $ 829,665.68
All other sources 70,046.20
Total $ 699,611.88
DISBURSEMENTS
Paid Policy Holders $ 171,629.03
All other payments 472,271.41
' Total $ 643.800.44
Admitted Assets $1,716,045.00
v LIABILITIES
Unpaid Claims and Expenses $. 172.033.25
Unearned Premiums 318,319.11
All other liabilities 61.989.67
r-anltnl Stork tiald UD 800.000.00
Surplus beyond Capital Stock and other liabilities.. 363,702.97 1.163.702.97
Total $1,716,045.00
Witness my hand and the seal of the Auditor of Public Accounts the day
and year first above written.
' SILAS R. BARTON.
(Seal) V Auditor of Public Accounts.
C. IE. PIERCE. Deputy.
$ 552,342.03
OFFICE SO O TO SOG BRANDEIS BUILDING
Telephones Bell Douglas 29; Independent A1120
Drspeptle Philosophy.
The value of experience Is only demon
strated by the after effects.
Many a woman puts everything on her
back to make a good front.
The trouble with the family skeleton Is
that it is never as dead as it seems.
It's no fun for a woman to tell a swrat
to any one she thinks will keep IL
Look pleasant even though you may not
be going to have your picture taken.
It doesn't do much good to try to dodg
the collector when there's ths devil to pay.
There Isn't a great deal of difference be
tween being called down and being shown
up.
The man who minds his own business
Isn't so liable to have other people doing
It for him.
If-we could read the-future-as we -can
We offer you insurance protection, em
bracing fire, wind, Kail, tornado and
plate glass, chosen as the strongest
from our thirty years' experience.
CTRTiriCATB OT rTXBXiXCATXOW
STATE OF NEBRASKA OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS
LINCOLN. February 1st, 1909.
IT IS HEREBY CERTIFIED, That
the Liverpool and London and Olobe
Insurance Company of New York, ln
the State of New York, has complied
with the Insurance Law of this Stale,
applicable to auch Companies and la
therefore authorized to continue the
buslneHs of Fire and Tornado Insur
ance ln this State, for the current
year ending January 81ft, 1910.
Witness mv hand and the seal of
the Auditor of Public Accounts, tho
day and year first above written.
SILAS R BARTON.
(Seal) Auditor of Public Accounts.
C. E. PIERCE, Deputy.
CZBTtnCATS Or PTJBLICATIOBI
STATE OF NEBRASKA OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS
LINCOLN, February 1st. 19U9.
IT IS HEREBY CERTIFIED. That
the Aachen and Munich Fire Insur
ance Company of Aachen, Germany,
haa complied with the Insurance Law
of tills State, applicable to such Com
panlea and Is therefore authorized to
continue the business of Fire Insur
ance in this State for th". current
year ending January 81st, 1910.
Witness my hand and the seal cf
the Auditor of Public Accounts, the
day and year first above written.
SILAS R. BARTON.
(Seal) Auditor of Public Accounts.
C. E. PIERCE, Deputy.
th
of
, York
ant
CXBTZriCATB OT FTBLICATIOH
STATE OF NEBRASKA OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS
LINCOLN. February 1st, 1909.
IT IS HEREBY CERTIFIED, That
Fidelity Fire Insurance company
New York, ln the State of, New
, haa compiled with tne insur
i iw ni thin KlHte ati)llcrable to
such Companies and la thereforo au
thorized to continue the bualnesj of
Fire Insurance In this State for the
current year ending January lint,
1910.
Witness my hand and the seal of
the Auditor of Public Accounts, the
day and year first above written.
SILAS R. BARTON.
(Seal) Auditor of Public Accounts.
C. E. PIERCE. Deputy.
ape Itwestmeet Company
1506 Dodge Street
L. id J
the past. It would probably be Just as
unsatisfactory.
The only man who ean afford to Uve.up
f
to his Ideals Is
to remain oor
It's all right to whisper sweet nothliAs,
but If a fellow really wants to marry la
must make a noise like raal money. NJ
York Tluta
No Wonder.
'Your delineation of the part of a man
under fire la marvelous," declared the
manager. "I don't see how you do the
thing so naturally."
"Well," replied Hamdodo J. Ranter,
"you see on our recent western tour, if
a tableau or a climax was good, the au
dience shot to show their appreciation;
and If It was bad, they shot to exprees
disapproval. It has become a habit."
Puck.
1hA T will ...rtuH. Ih.t I h. will
provide us with the ability to provide for
ourselves.
CERTIFICATE Or PtrBZ.iriATTO'sr
8TAT10 OF NEBRASKA OFFICIO OF
AUDITOR OF PUBLIC ACCOUNTS
LINCOLN, February 1st, 1909.
IT fa HPRKHV f'L'DTHPirr, r.. i .
- . ..... ii 1 1. iiini 11113
Bankers Reserve Life Uomiiany of Omaha,
mi im; oiHiu ui jMenrasaa, lias compiled
With tha Iniliran.. T a ... . . . I , I.. ...,.,.
..- ............. . .u ry ... .1111. piu ir. (, j
pllcable to such companies, and la there-
""c nuiiHtiiiuu 10 continue ine Dusiness or
Life Insurance In this Utut. fe th.
year ending January 3lHt, 1910. . .
nummary or report riled ror the year end
ing December 31st, 19o8.
INCOME
Premluma i 711 rxr i
All other sources &0.136.G9
Total $ 761,78181
niSHiTHSi.'Mi.-M'ra
Paid policy holders x h rn "S
All other payments.... 274.017.70
loiai
Aamitted assets
LIAHIL1TIF.O.
Net reserve $1,168,148.00
wet policy claims
All other liabilities....
Capital stock paid up.
Surplus beyond capital
siock ana other lia
bilities .
Total .
i,wn,on.M
Wunmi mv hiinH u n , V, An . . . I
Auditor of Public Accounts the day and
jcr iitBi auuve wriiien.
SILAS R. BARTON.
(SeaH Allriltnr nt IMit.llo A r, -
C. E. PIERCE, Deputy.
440.024.94
1.666.344.30
ft Tf.i no
10.108.10 $1,177,004.10
100.OUO.00
289,310.28
389.340.W
1,646.344.38
CXBTZTICATB OT rUBUQATIOB".
STATE OF NEBRASKA, OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS
LINCOLN, Feb. 1, lo.
IT IS HEREBY CERTIFIED, That tha
Olrard Fire and Marine Insurance com
pany of Philadelphia in the state ot
Pennsylvania haa compiled with the in
surance law of thla state, applicable to
such companies and ia therefore author
ized to continue the business of Fire and
Tornado Insurance In this state for tha
current year ending January 81st, 1910.
Witness in y hand and th a-al ot the
Auditor of Public Accounts the day .and
year first above written.
SILAS R. BARTON,
- (Seal.) Auditor of Public Accounts.
C. E. PIERCE.. Deputy.
ij
F. D. We?d, Agent
VYEAB BLDG.
' lltk ul Far aasi SU.
