The Liverpool Standard and General Commercial Advertiser.
Liverpool, Merseyside, England, 1836-04-01 00:00:00

YORK AND NORTH OF ENGLAND ASS 4 RANCE Premiums. Duty. Losses Commission
. and Expenses.
COMPANY. --
ItENEWAL Receipts for Policies falling .e at LADY DAY £ s. d. £ s. d. £ s• d. £ s. d.
are now ready for delivery, and should ,e taken up within 1815 2090 18 06 ix; 11 14 71 1 4 236 5 6
Fifteen Days from that date, otherwise the .artier will lose the 792? 8
188176 .186‘14° 04 9 3680 13 7 8615 1 g 867 12 10
benefit of the Assurance. 1818 4009 10 3 4085 0 7 9175 5 7 67s 4 1
The following, Reduced Rates of ' r...iuna upon mercantile 1819 2970 19 6 3320 3 7 310 19 10 520 18 4
risks are charged by this Office:— - 1820 3049 10 7 b 333 111 1015 0 3 591 13 3
Loudon Prem. 1821 3252 18 1 11431 511 1350.4 10 9 630 5 1
floating Policies lOs. per Cent. 12s. '1.'.22 ;;.:36 8 8 no 4 7 4 862 310 p 8 18 11
Specific, all risks
~1 Is. 1823 3669 5 9 :4,883 13 1 5974 6 6 723 15 3
Omit hazardous Trades 7s. „ 10s.
18803 16 1 I 29810 15 7 40239 3 6 5702 14 11
--

Loudon Prem.
Floating Policies los. per Cent. I2s.
Specific, all risks
Omit hazardous Trades 7s. „ 10s.
Omit also lrizardous Goods, Gs. „ 9s.
Short period Policies at the usual proportions of the alive.
Assurance on Lives at the following low rates for the whole
term of life:—

£40239 3 6
By Losses
Commissions and Expenses..
Proportion otHead Office Expenses 3160 5 7

Age 20 £1 13 9 Age 45 £3 7 2
~ 25 1 18 0 „ 50 4 0 7
30 '2 3 0 „ 55 4 18 9
.. •35 '2 9 t i „ 60 6 311
40 2.17 3 I ~ 65 716 9
MATTHEW WOTHERSPOON, Share Broker,
7. lhdia-buildings, Agent for Liverpool.
17th March, 1836.

£49102 4 0
..28803 16 1

To Premiums....,

Balance against the Agency V0298 7 11
That 'the business in Liverpool of all the other Fire-offices
has turned out on the whole equally unprofitable, amounts to a
positive certainty, as otherwise, despite the late heavy Confla-
Lrations (and Mr. Moore ices souse details of these in the
iverpool Standard of 20th March, 1835, producing Losses in
three years and two months, only of near £400,000!) no induce-
ment could have prevailed with the Insurance Companies gener-
ally to have abandoned their opposition to each other, and en-
tered into arrangements for advancing the rates on Warehouses
and Merchandise proportionally, or decline altogether In-
surances on this species of Property.
At this present moment, the Protector Fire-office is a fresh
instance of disappointment to a very numerous Proprietary,
holding Shares to the amount of Five Million of Capital, and
the wreck of its business is finding shelter with the Sun, Norwich
Union, Plicenik, Exchange and other Fire-offices. This is the
result of a ten'years Establishment, and during the last year
this Office paid to Government in Duty, £56, 676. In Liver-
pool, it had the benefit of being represented by three active,
intelligent, and influential Agents, but even the high rates
collected by these Gentlemen from our Merchants and Ware-
houseow ners, have not sufficied to uphold its prosperity.
It is to be hoped, that the persons intending to. become
Shareholders of the New Fire-office, will invite Mr. Boult to
publish his own experience of the business, as the present and
former agent for several London Fire-offices, and Place beyond
doubt that our Merchants are overcharged, and that a Fire-
office in Liverpool must prove a capital speculation. The
highly-respectable names of Directors can only be taken by the
public as a gurantee of faithful management, but, beyond that,
they possess not the power to create a remunerating business,
where none exists. It has come to my ears that a certain knot
of intended Shareholders have resolved to test the spell that
hangs over a name, by demanding pledges from the Directors
as to the annual amount of their patronage.
The County of Lancaster has already its local Insurance-
office and influence concentrated in the Manchester Fire-office.
The Ridings of Yorkshire have their local Fire-offices; and so
has every important business-place in the land. Where, then,
is a Liverpool Fire-office to look for Insurances with any chance
of success ? I am, Sir, yours, &c.
TRUTH-TELLER.