The Kalida venture. [volume] (Kalida, Ohio) 1841-1865, 1851-02-07
NJ U I U AL ms NCE.

Nd U I AL INsU NCE.
THE WESTERN RESERVE
FARMERS INSURANCE CO..
Painspille, Ohio. ,E
Dl r E G TO r s..
Hon. SEABURy FoRD, HARVEY Woo D.
WORTH, HON. URI SEELEx, JOHN MUIR.
RAY, Hon. WIN. W. BRANCH, GRASDIsox
NEWELL. s4g.ls s3., ,a,6 n;
PIP. SANFORD, Presider,,
VIM. L. PERKINS, Secretary. salr,r,
E. e.. s. Ta1ssn, ISassas. General Agents.
The high character and standing Of tho
Directors, are sufficient gu aran,ee that
they intend TO avoid the course of busi-
ness which has made the old Mutual
Companies unpopular. 0a. al ssog
ENCOURAGE YOUR OWN.
Our laws have no control over foreiPn
companies, and you know nothing Of their
ssponsibility or integrity. ...4
... CAUTION. m lr,
A statute OF Ohio, mikes all Policies
OF foreign companies "to all intenis and
purposes null and void, unless the Agent
has License from the County Treasurer.
There are many agents Of other COM
panies soliciting applications, and repre-.
senting their companies as Fdrmers'
Companies, while their charters authorize
them TO insure all kinds of property.
All authorized Agents carry with them
a Commission, copy Of their ChGrter,
and printed Instructions. Farmers who
would no, be imposed upon, will do we'll
to demand these and inspect them care.
fully. -..
By un amendment Of the Charter, this
Company is now authorized TO insure all
kinds of property in separate classes or
unions, and the charter expressly pre-
vides iha; the several unions shall he no
ways connected with or responsible for
the others, and that the accounts and
funds Of each union shall he kept and in.
vested separately. The Directors havo
accordingly established three dis'inc,
unions, viz: ..
First. farmers UNION, including
fanners's dwellings, &c. Also, dwell
rnps, &c, of others, where there are no
other buildings within 8 rods; for 5 years,
a, from 2 10 d per cent cent, premium
note. .... .as
Se.oma. vlLLAoE UNION, including
othes dwellings. village risks, stores.
mechanics, churches, &C., for 8 10 S
years, at from 8 tu Is per cent, premium
note.
Third. MANUFACTURERS UNI N, in-
cluding mos, kinds Of manufactures, for
3 years, at from to % per cent, pre-.
aaiGm note.
ADVANTAGES OF THIS COMPANY.
BY this happy arrangement, the three
unions will establish three distinc. lnsur.
ance Offices in one, thus saving the ex.
pense Of three separate establishments,
and nj the same time, EACH KIND OF FRO.
pER1Y IysUREs ITSELF, and is eS emp
from contributions 10 the other kinds.
RATES ARE CHEAP, and tho
amount paid dorm such as reasonably to
secure the members from annoying as:
sessments; and there will be no assess.
men,s, unless the expenses and losses
exceed Is per cent. Of the capital.
LAWSUITS are guarded against, Ivy
a positive condition Of the Policy, TO sub.
nit questions Of difference 10 three citi-
zens Of the county where the loss &C.
ours. .l
LOSSES are paid in full, TO the
amount insured. - a.
POLICY takes effect OH the first day
of,he application, or any other day do.
sired, if approved by the Directors.
Any member may surrender his policy
mhen he pleases.
LIABILITIES. No member is liable.
during the term of his Policy, TO pay
in the whole any greater amount than
his Premium Note.
There are no salaried oEcers or
agents in this Company.
FARMERS. The charter expressly
prohibits the farmers Union from insu-
ring any building except dwelling houses,
oul houses, barns, and oller building,
connected with and appcrtainipg To
farms, and their contents; and also tho
houses and oppurtenances Of persons, not
farmers, which have no o!her buildings
within 8 rods.
In no other Company is the farmer
thus secured against contributing to
dangerous risks. --.
VILLAGE AND MANUFACTURERS UNION.
In these unions no risk can he taken
when there are more than three wooden
buildings within 20 feet Of each other;
nor can any one risk or the cum Of all
the risks in the same class, exceed
$4,000, within six rods every way Of tho
property insured. '
In none Of the Unit ms, not over two
thirds the cash value Of buildings can be
insured; and no risk can be taken where
a s,ove-plpe passes through 'he roof Of
wall OF the house. l..s'
JAMES MACKENZIE, Agent,