The Sun.
London, England, 1861-10-25 00:00:00

DIRECTORS,

~.•••,•
Francis Braun, Esq. (Messrs. Blessig Braun, and Co.),
LiverTmol.
C. B. Colchester, Esq. (Messrs. Cokhesters and Woolner),
Lon don.
W. J. R. Cotton, Esq. (Messrs. Culverwell, Brooks, and Co.),
I .ondon.
H. K. De Castro, Esq. (Messrs. Carruthers, De Castro,
and Co.), Manchester and London.
Mr. Alderman Dakin (Messrs. Dakin Brothers), London.
D. N. Giannacopulo, Esq. (Messrs. Giannacopulo and Cochi-
lani), Liverpool.
Stephen Barker Guion, Esq. (Messrs. Guion and Co.), Liver-
pool.
Mr. 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.
F. W. Russell, Esq., M.P., Cannon-street, Chairman of the
National Discount Company, London.
lightly Simpson, Esq., Chairman of the East Anglian Rail-
way Company, London.
Thomas StenhousT, 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 Soas, Liverpool.
Sonten ORS.
Messrs. Paine and Layton, London.
Messrs. -Fletcher and Hull, Liverpool.
BANKERS.
The Bank of Lon,,on.
The Union Bank, Liverpool.
TEMPORARY OFFICES.
79, Lombard-street, London.
• 21, Water-street, Liverpool.
PECTUS.
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 metropolls,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. Tie 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 the
certainty and extent of success that has attended every well-
managed fire office are considered, it would appear that the
present is a period when new institutions, based on the experi-
ence olf time and observation, should be promoted for and
auPPelted by the public generally, for the purpose of pre-
venting monopoly on the one hand, and for the development
anf( progressiun of principle on the other.
In 1841 the total sum in Great Britain insured against fire
Vas seven hundred and thirty-eight millions sterling; in
3851 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
numbereet 305,933, 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
au.„2,menting.
The enormous business of Fire Insurance in the United
'Kingdom is confined 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-
mation of the " London and Lancashire Fire Insurance
Company."
_Application for shares in the form annexed, may be
made to A. H. Gunn, Esq., 79, Lombard-street, Lon-
don, and 21, Water-street, Liverpool ; to the Secretary,
11. E. Warren, Esq. •, or to the Brokers, George Bur—
nand, 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 R 1 per share
be paid into the Company's bankers, to be allowed in pay-
ment of the first call, or returned in the event of shares
not being allotted.

LONDON and LANCASHIRE FIRE
INSURANCE COMPANY.
Provisionally Registered.
To be Incorporated pursuant to Act of Parliament 7 and Sth
Viet., cap. no.
Capital One Million, with Power to Increase.
79 Lombard-street, London.
Temporary Offices 21: Water-street, Liverpool.
FOR3I OF APPLICATION FOR SIIARES.
No. .....
To the Directors of " The London and Lancashire Fire
Insurance Company.
Gentlemen,—Having paid into your bankers the sum of
X ...... , 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
further undertake to execute the Deed of Settlement when
required.

Dated this....day of 18..
Names in full
Residence
Profession or trade
Place of Business
______

3, GREAT MARLBOROUGH-STREET. W., 5
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