The Sun.
London, England, 1861-10-23 00:00:00

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LONDON and LANCASHIRE FIRE
INSURANCE- COMPANY.
Incorporated pursuant to the Joint-stork Cornponies Act,
7th and Bth Viet., cap.llo, and to be conducted orl the prin-

ciple of Limited Liability.
Capital, One Million, with power to increase,
In 40,000 E,liares of £25 each, of which it is proposed to call up
£200,000.
Depos't, Li per Share, and ,E 1 los. on allotment, and a fur-
ther sum of £2 lOs., of which not less than three months'
notice shall be given.
DIRECTORS.

Francis Braun, E:q, (Me;;;;:BTessig, Braun, and Co.),

Liverpool. . .
C. P. Colchester, Esq., (Messrs. Colchester and Woolner),

London.
W. J. R. Cotton, Esq. (Messrs. Culverwell, Brooks, and Co.),
London.
J. H. R. De Castro, Esq. (Messrs. Carruthers, De Castro,
and Co.), Manch F ster and London.
Mr. Alderman Dakin ( Messrs. Dakin Brothers). London.
D. N. Giannacopulo, Esq. (Messrs. GiannaeoPulo and Cochi-
lani), Liverpool.
Stephen Barker Guion, Esq. (Messrs. Guion and Co.), Liver-
pool.
air. Alderman Hale (Messrs. Warren S. Hale and Sons),
London.
Charles Joyce, Esq. (Messrs. Charles Joyce and Co.), London.
George Kendall, Esq, (Messrs. Kendall Brothers), Liverpool.
John Edward Naylor, Esq., merchant, Liverpool.
R W. Russell, Esq., M.P., Cannon-street, Chairman of the
National Discount Company, London.
Lightly Simpson, Esq., Chairman of the East Anglian Rail-
Thoay
W Coan, London.
mas Stempnhoyuse, Esq., merchant, Liverpool.

(With power to add to their number.)
STOCKBROKERS.
George Burnand, Esq., 69, Lombard-street, London.
Messrs. Froom Brothers, Change-alley, London.
Messrs. Thomas Tinley and Sons, Liverpool.
SOLICITORS.
Messrs. Paine and Layton, London.
Messrs. Flgeher and Hull, Liverpool.
BANKERS.
The Bank of London.
The Union Bank, Liverpool.
TEMPORARY OFFICES.
79, Lombard-street, London.
21, Water-street, Liverpool.
PROSPECTUS.

The London and Lancashire Insurance Company is estab-
lished for the purpose of extending to Liverpool, as well as to
London and elsewhere, that addition to the facilities for fire in-
surances which was recently, demanded for the metropolis,and
which the extraordinary increase in the commerce of Liver-
pool constitutes an urgent necessity. In so doing the Direc-
tors propose to take advantage of the experience of existing
institutions, to introduce new principles of practical utility,
and, in addition, so to construct the institution as to afford
the greatest possible benefits to the shareholders, insurers,
and to the public generally, consistent with the well-being of
all concerned. The Directors do not profess to transact
business at lower rates than those ascertained by experience
to be remunerative ; but having thus provided for the security
and profitableness of the business transactions of the office,
they extend the mutual principle to fire Insurance, and make
the holders of fire policies participators in the profits, after
appropriating a sufficient sum for a reserve fund. When we
consider the certainty and extent of success that has attended
every well-managed fire office, it would appear that the pre-
sent is a period when new institutions, based on the experi-
ence of time and observation, should be promoted for and
Supported by the public generally, for the purpose of pre-
venting monopoly on the one hand, and for the development
and progressh n of principle on the other.
in 1841 the total sum in Great Britain insured against fire
was seven hundred and thirty-eight millions sterling; in
1851 it had increased to eight hundred and fifty-eight millions
eight hundred thousand ; and in 1861 it is estimated to have
advanced to twelve hundred millions, or to one-third more
than the amount of the National Debt.
In the course of 20 years, therefore, the field occupied by
Fire Insurance widened at the rate of £23,000,000 per annum.
As an illustration of this increase it may be mentioned
that, in London alone, the inhabited houses which in 1851
numberen 3e5,933, had in 1861 increased to 362,890, showing
an addition in ten years of no less than 56,957 houses, or an
average increase of 5,695 houses per annum.
But, although the value of property protected is of vast
amount, the value remaining unprotected far exceeds it ; and
the difference between insured and uninsured is constantly
augmenting.
The enormous business of Fire Insurance in the United
Kingdom is contined to so few as fifty-two offices, of, which
two are in Ireland, six in Scotland. twenty-one in English
country towns, and twenty-three in London.
The relative smallness of this number and the vast amount
of insurance committed to each, on the average not less in
value than £22,000,000, has led in some cases to excessive or
capricious charges, want of confidence, and to a general les-
sening of the practice of insurance.
Considerations of this description, in connection with the
promised support of a very large number of the most influen-
tial merchants in London and Liverpool, have led to the for-
Illation of the " London and Lancashire Fire Insurance
Company."

_
FIRE INSURANCE COMPANIES AS INVESTMENTS.
The following facts may not be uninteresting to those who,
being desirous of meeting with good investments, are unac-
quainted with the true nature and value of shares in fire
Offices. The following table exhibits the names of twelve
offices, the dates they were founded, original cost, and present
value of the shares in each ; a perusal of which will enable
the reader to form some estimite of the security attaching to
fire insurance as a business.

O
Name of Office. Original Increased
When Cost rresent Value
Founded. . Value
of Shares. per Cent.
£ s. d. £ a. d. Yrs.
Alliance .... ..... 1824 11 0 0 15 10 0 40 in 37
Atlas lBOB 510 0 17 5 0 214 „ 53
County lBO6 10 0 0 86 0 0 760 „ 55
Imperial lBO3 50 0 0 165 0 0 630 „ 58
Law Fire 1845 210 0 415 0 90 „ 16
Liverpool & London 1836 210 0 11 10 0 360 „ 25
Phoenix I7E2 100 0 0 180 0 0 80 „ 79
Royal Exchlme 1720 100 0 0 274 0 0 174 „ 141
Royal (1.1verpool) 1845 2 0 0 6 0 0 200 „ 16
London 1720 12 10 0 40 0 0 220„ 141
Sun l7lO 10 0 01 250 0 0,2100 „ 151
Union 1714 , 20 0 0 300 0 011400 „ 147

Application for shares in the form annexed, may be made to
A. H. Gunn, Esq., 79, Lombard-street, London, and 21,Water-
Street, Liverpool ; to the Secretary ; or to the Brokers, George
nurnand, Esq., 69, Lombard-street, Messrs. Froom Brothers,
Change-alley, Cornhill, London, and Messrs. Thos. Tinley
and Sons, Orange-court, Liverpool ; but no application will
be taken into consideration unless a deposit of £1 per share
he paid into the Company's bankers, to be allowed in pay-
ment of the first call, or returned in the event of shares
hot being allotted.

LONDON AND LANCASHIRE FIRE INSURANCE
COMPAN Y.l
InCorporated pursuant to Act of Parliament, 7 and Bth Vict.,
...„

. -
cap. 110.
Capital One Dlillion, with Power to Increase.
Temporary Offices 1';7: Lombard-street, London.
FORM OF APPLICATION FOR SHARES.

N 0...... ...

To the Directors of " The London and Lancashire Fire

Insurance Company.
Gentlemen,—Having paid into your bankers the sum of
I hereby request that you will allot to me
shares of £25 each in the above Company; and in considera-
tion of such allotment, or any less number you may appro-
priate to me, I hereby undertake to pay any call thereon, and
I further undertake to execute the Deed of Settlement when
required.
Dated thic....day of 18..
Names in full
Residence
Profession or trade
Place of Business
BANKERS' RECEIPT.
Received the day of 18.., on account
of the Directors of the London and Lancashire Firelnsurance
Company, from , the sum of
. '''' ''''''''' '''''
being the deposit on shares
ul ... '

For the Bank of London.

X

Mz-RS. DOCTOR GOSS attends and corresponds
with ladies in all Female Complaints and functional
irregularities, and in pregnancy, midwifery, and the disap-
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distinction. See Dr. Goss's illustrated Medical Work, " Man
and Woman," price 2s. Gd., post free 31 stamps.-55, Great
Queen-street, Lincoln's-inn, London.

TRULY EFFICACIOUS ANT=Tvi.
Dr. SCOTT'S BILIOUS and LIVER PILLS, pre-
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Scott, will be found invaluable to all who suffer from bilious
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strengthen the whole nervous system. Sold by W. Lambert,
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and three times the quantity in one, 2s. 9d. Be sure to ask for
Dr. Scott's Bilious and Liver Pills. • The genuine are a
square green package, with " William Lambert," engraved
on the stamp.

DR. LA'MERT ON SELF-PRESERVATION.
Price ls. ; post-free, 13, or sealed ends, 20 stamps, with En-
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By Dr. LAWERT, 37, Bedford-square, London.
Licentiate of the Royal College of Physicians of Edinburgh ;
Member of the Royal College of Surgeons of England, &c.
The above work contains most useful and interesting
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$, GREAT MARLI3OIOIOC3II-STREET
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