You are reading a page from A.M. Best, Best's Insurance Reports Fire and Marine (1919)
Part of the American Term Life Insurance History Project
Term Life Insurance
Previous Index Next

 

BEST'S INSURANCE REPORTS—FIRE AND MARINE.   215

LAW UNION AND ROCK INSURANCE COMPANY, LTD.—Continued.

sago, Ill.; Pacific Department, Sam B. Stop, San Francisco,

Cal.; Hawaii, Theo. H. Davies & Co, Ltd., Honolulu, H. I.

net risks in force December 31, 1919, $95,711,864; net pre-

miums in force, $1,014,105.24.

 

 

 

Underwriting Exhibit, 1919.— Premiums earned during

INCOME, U. S. BRANCH, 1919.

 

 

1919, $577,563.14;   loss from underwriting profit and loss

Gross premiums written    

$1,462,069

75

items, $5.854.17:   total, $571,708.97.

Less reinsurance

522.507

39

Losses incurred during 1919, $320,728.52; underwriting

Less return premiums    

396,012

38

expenses   incurred   (luring   1919,   $274,446.52;   total,   $595,-

 

 

 

175.04.

Total net premiums    

$543, 549

98

Loss from underwriting during 1919, $23.466.07.

Interest, etc   

53.823

98

Investment Exhibit, 1919.— Interest, etc., earned during

Received from Home Office    

126.440

89

1919. $54,982.21.

Loss on investments during 1919, $32,205;   investment

TOTAL INCOME    

$723.814

85

expenses incurred during 1919, $1,607.06; total, $33,812.06.

 

Gain from investments during 1919, $21,170.15.

DISBURSEMENTS, U. S. BRANCH, 1919.

 

Gain   and   Loss   Exhibit,   1919.— Gains:   Investments,

Net losses paid    

$323, 376

12

$21,170.15;   remitted from Home Office, $126,440.89;   total,

Underwriting expenses    

265,786

48

$147,611.04.

Losses:   Underwriting,   $23.466.07;   remitted   to   Home

Remitted to Home Office    

79, 884

41

Other disbursements    

2,147

91

Office, $79,884.41; total, $103,350.48.

Surplus, including deposit capital, U. S. Branch, Decem-

TOTAL DISBURSEMENTS    $671, 188 92   ber 31, 1918, $798,720.11; increase, $44.260.56; surplus, in-

Ratios to Premiums Written.—Losses paid, 59.5%; in- 'eluding deposit capital, U. S. Branch, December 31, 1919, curred, 59.0%; underwriting expenses, 48.9%; underwrit- • $842,980.67.

ing loss, 4.3%.   Net Premiums   Net Losses

   Ratios to Premiums Earned.—Losses incurred, 55.5% ;   MISCELLANEOUS CLASSES:   Written.   Incurred.

expenses incurred, 47.5%; underwriting loss, 4.0%.   Windstorm and tornado....   $34 28    

   Miscellaneous, 1919.—Net losses incurred, $320,728.52;   Sprinkler leakage    1 87

LEGAL INSURANCE COMPANY, LIMITED,
London, England.

GENERAL REVIEW.

History.— This company began business in 1908. Its authorized capital is £1.000,000, of which, at last advices, £500.000 had been subscribed and £100,000 paid in.

The company has £400,000 subscribed capital subject to call.

Management and Reputation.— It is controlled by the Royal Insurance Company. Ltd., of Liverpool, England, a large and reputable institution.

On June 15, 1900, it commenced writing " surplus lines "

in the United States through Fred S. James & Go. 123 William street, New York, who advised us that they hold power of attorney to accept service in case of disputes in this country and that they keep sufficient funds on hand for the payment of all ordinary losses. Fred S. James & Co. are in excellent repute.,

As stated above, it is controlled by the Royal Insurance Company, Ltd.. one of the strongest companies in the world. Classes ,of Business TVritteu.—Fire, personal accident, burglary, fidelity, liability and plate glass insurance.

LIBERTY FIRE INSURANCE COMPANY,
207-209 West Market Street, Louisville, Py.

ADMITTED ASSETS, DECEMBER 31, 1919.

 

LIABILITIES, DECEMBER 31, 1919.

 

 

Mortgage loans on real estate    

Interest due and accrued thereon    

Loans on collateral security    

Bonds and stocks owned (market value)    

Interest due and accrued thereon   

Cash in banks and office    

First lien notes    

$180,478

2,747

76,310

119,628

317

5,495

183,745

71

48

00

25

68

80

O8

00

Unearned premiums    

Due for borrowed money    

$29, 7 71

60, 000

26

00

26

00

74

00

TOTAL LIABILITIES, except capital   

CAPITAL PAID UP    

NET SURPLUS    

$89.771

200. 000

278,951

TOTAL ADMITTED ASSETS    

$568. 723

TOTAL   

$568, 723

GENERAL REVIEW.

 

capital was later increased by a stock dividend of $100,000.

History.— This   company   was   incorporated

in   March,

The par value of stock is $100 per share.

1854. but did not commence business until November, 1858. The authorized capital is $200,000, of which $100,000 was paid in, in cash, when the company began business. The

Until 1918 its corporate title was German Insurance Company.

Management and Reputation.— The company has sub-


Previous Index Next