The Kalida venture. [volume] (Kalida, Ohio) 1841-1865, 1851-03-14
INITIAL "a Nss.URAN cB,
THE WESTERN RESERVE d97st
FARMERS INSURANCE. CO..
faaIl Nnng Pnina1iiIIe 0hin

Hon. SEABURy FORD, HARVEY WooD.
WORTH, Hon. URI SEELEY, JoHN MuR.
RAY, HON. WM. w. BRANCH, GRASprsoN
P. P..sANFoRD, President.
WM,L. PERKrss, Secretary.
,9aiEE 3 b iJ5Hrsos, General Ass"e'' q
The high character and standing ofihe
Directors, are sufficient guarantee that
they intend 10 avoid the course Of busi-
ness which has made The old Muiual
Companies unpopular.
q ENCOURAGE YOUR OWN q
| / Our laws have no control over foreign
companies, and you know nothing oftheir
responsibility or integrity. ~ X sss
l,R'i gbl CAUTION.
81 A. statute Of Ohio, makes all Pclicles
Of foreign companies s'to all intents and
purposes null and void, "unless The Agent
has a License from the County Treasurer.
There are many agents Of other COM
panies soliciting applications, and repre-
senting their companies as Formers
Companies, while their charters authorize
them to insure all kinds of property. =
| All authorized Agents carry with them
Commission, copy Of their Charter,
and printed Instructions Farmers who
, would not bo imposed upon, will do w9ll
10 demand these and inspect them care.
Mlly. ~ ~
By an amendment Of the Charter, this
Company is now authorized to insure all
kinds Of property in separate classes or
unions, and the charter expressly pro-
vides ,ha: The several unions shall be NO
ways connected with OF responsible for
, ,he o,hevs, and that The accounts and
funds Of each union shall be kept and in-
! vested separately. The Directors have
accordingly established three distinct
,, unions, viz: 4""'n o'''1' ~ '.. ~ h., ,
7 t, First. FARMERS UNIoN, including
farners's dwellings, &c. Also, dwell
l:ngs, &c, Of others, where there are no
2 other buildings within s rods; for 5 years,
at from Q TO AZ per cent cent, premism
5 note. iSt'' '"' 20 i'F
Second. viLIAes USioN, including
: otbes dwellings, village risks, stores,
!. mechanics, churches, &c, for 3 70 5
years, at from 8 10 Is per cent, prsmiH@
note. So,
T. Third. MANUFACTURERS UNI n, ia,
Guiding most kinds Of manufactures, for
3 years, at from 10 % per cent, pre-.
MUM note. tt.-..f ~
ADVANTAGES II THIS COMPANY.
BY this happy arrangement, the three
unions will establish three distinct lnsur-
n ance Offices in one, thus saving tho OK
!; pense Of three separate establishments,
and at the same time, EACH KIND OF FRO
pERTY 1NsUREs ITSELF, and is escmp
g from contributions TO the other kinds.
y RATES ARE CHEAP, and the
Of amount paid down such as reasonably TO
'e secure The members from annoying as.
5. !, sessme nis; and there will be no assess
It mcnts, unless The expenses and losses
y exceed Is per cent. Of the capital. ~
!, LAWSUITS ARE guarded against, by
!, positive condition Of the Policy, 10 sub
!, nit questions af difference 10 three ciii-
l. zcns Of the county where the loss oe-
a ours. ~
LOSSES are paid in full, to the
: amount insured.
POLICY takes effect on the first day
ofthe application, or any othes day de-
sired, if approved by the Directors.
!, Anu member mag surrender. his polisy
!. ,rhen he pleases. .3 ss..l! .aL s,lr
81 LIABILITIES. No member is liable,
during the term of his Policy, 10 pay
IL in The whole any greater AMOUNT thas
his Premium Note. ,.aa5W IN .-g5
1s ,e There are no salaried eEcers o.
Of agents in this Company. si d, sias.
i, FARMERS. The charter expressly
re prohibits the farmers Union from insu
"a ring any building except dwelling hpuses
T oui houses, barns, and otl.er building
= connected with and appertainipg Il
q Carms, and their, contents; and also the
= houses and appurtenances Of persons, no.
farmers, which have no o,her building
o within 8 rods. ,eJ ga5s s. too ,,vo,l
o. o. In no other Company is the farmer
of thus secured against contributing y
ID dangerous risks.
Of VILLAGE AND MANUFACTURERS uNIoE.
d, lii these unions no risk can be iaker
2 when there are more than three wooden
Of buildings within 20 feet Of each other;
ef y nor can any one risk orthe gum Of ail
n. The risks in the sane class, exceed
e $4,000, within six rods every way Of the
. property insureda u is ~ aiays ,sao3
I In none Of The Uni, ms, NOT over TIVE.
y .hirds the cash value Of buildings car be
z insured; and no risk nbe taken where
S a sioye-plpe passes through tho roof ei
wall OF the house, ,tat9 ~aml 10 ao.,
I ahaq5 JAMES MACKENZIE. Agent, ,
i, tdT G ,7aa ibB - yKdlida, O.
Vi ts