The Daily spy. [volume] (Worcester [Mass.]) 1845-1850, 1847-03-12
MUTUAL FIRE INSURANCE.

The Merchants and Farmers Mutual Fire In
Company Of WORCESTER, MASS.
INVITE the attention the public the principle upon
which the business Of this Company is conducted As
the corporate name indicates, the main object OF the Com
psny is afford Merchants and Farmers opportunity
Tor procuring safe insurance, moderate terms, and
strictly upon The mutual principle In order preserve
this prIncpe deemed Indispensable decline all risks
which are usually dennmnated ertrGhazardous; believ
ng that If such risks permitted To- be mingled with
those of The Merchant Farmer the premiums likely
To be dsrup0runate to the risks, exaGng from such
insure The least hazardous properly, than just and
equal contribution 10 III, expense of insurance
Insurance may be made against loss damage by fire.
upon building The shops of carpenters black
smiths, coOpes cabinet nakeTs, chair Makers and wheel
ghs or buildings in which dry shavings made
such an extent to become Hazardous or In which the
manufacture OF wool, cotton, hemp fax. oil, paper is
carried on power employ ed which business
is done alike hazardous any of the above risks in
which gun powder. turpenDe, or any like comhustible
matter Is stored or used IN such quantities as materially TO
increase the danger
And upon hay, grain, cattle, horses, sheep swine,
carriages harnesse household furniture wearing apparel
books provisions. and generally such property is kept
used in dwelling houses barns stables and granaries,
while in the building specified in The policy but not in any
other place.
Also upon stocks in trade of groceries dry goods boots
and shoes, books and stationery, cabinet ware iron and
other metals hats in bales, -four grain provisions,
Feadyu clothing leather for sale or in process of man
uciune nto boots and Shoes merchant aor stocks and
other personal praerty hazardous than the above
The Of premium for insurance the above descb
ed properly will he regulated by the character Of the risk
ami will bes reasonable those OF any other Company
Not more than Ihreeiourths of the value OF buildings
above the oundaOn of personal property, will be in
sured than 5000 in risk.
The rates OF insurance will be determined by the char
acie ofIhe risks rs shall appear from the applications;
careful d elimination helm! made n buildings and pro-
perty situated IN small villages, farms, and the
kind of properly when located in large villages and more
exposed from adjacent buildings The premium required
in cash is sufficient to fund which will give
entire confidence 40 the insured that all leases will be
promptly paid. Whatever surplus remains, above the
losses and expenses OF the Company will be equitably
divided among the insured To provide for all extraorji-
nary casualties dePose will he taken Of double the
amount OF the CAL premium, which note iae TO
ment, if the exseaces of The Company should ever
qure.
Insurance may be made for from five years, the
applicant may desire
Applications received at the Company's Office
ooer Central Bank, l02 Main ST., Worcester.
NAMES OF DIRECTORS
Isaac Gavis, Forester. A. H. Bulloch, Worcester.
John Green, d. w. Gale, do
ARENAS Ward, do Alex. Dewitt, Oxford
WIN, Dickinson, DO Joseph A. Denny, Leicester,
Edwin Conan, do Otis Adams, Grafton.
Chas. " ashhurn do John Brooks. Princeton.
ISAAC DAVIS, President.
CHARLES L. PUTNAM, Sec'ry.
Worcester, Jan IL, 1917. 2