The Kalida venture. [volume] (Kalida, Ohio) 1841-1865, 1851-01-03

NUT Y a r. ~ n Seu ma ny hn rs
.a1h arrtEE WESTERN RESERVE ~
FARMERS INSURANCE CO..
.ssoX msP PqirspilleeO Ohio. ~
DIR E-C-TO RS.
fsIoN SHApuRy FoRD, HARyEYI WooDy
woRrn, HON. URI SEELEY, JOHN MUIR
RkycIToMswMs w. BnANcH, GRA9DISoNs
NEWRLI lfissaa sa Maa g.tql
80 p, P. SANFORD, President
WIN. L. PEnKiNs, Secretary. az
lytiC.Ss FRrFcH,y} General Agents.
y The high character and standing Of tho
DFoclors,, are sufficient guarantee that
.lbey intend 10 avoid The course ofbusi-
ness which has made the old Mutual
Companies unpopular.s ss gssl' sa,
.spo ENCOURAGE YOUR OWN. 2ssi
.ssOuflaws have no control foreign
companies, and you know nothing oftheir
responsibility or integrity. 4M iiaa,
ma Dio.is CAUTION. lajia Afl
.ssA statute of Ohio, makes.all Policies
Of foreign companies "to all intenis and
purposes null and void, !" unless the Agent
has Licenss from the County Treasurer
ysTBere are many sagentslo other COM
panies soliciting applications, and repre-.
sonting their companies as Farmers
Companies, while their charters authorize
Them 10 insure allkihds ofproperty. laa
soAH authorized Agents carry with them
a Commission, a copy ci their Charter,
and printed Instructions. Farmers who
wouldno be- imposed upon, will do well
10 demand these and inspect them care.
fullyss as,il w! lgs !. s9'.f.aEse g56
By an amendment ofthe Charter, this
Company is now authorized TO insure all
Minds Of f)property in separate classes OF
unions, aud the charter expressly pro-
yides tha: The several unions shall be no
ways connected with or responsible ior
the o,hevs, and that the accounts and
funds or each union shall be kept and in
vested separately. The Directors have
accordingly established three distinct
unions, viz: ..a.
% Yra. FARMERS UNIoN, including
farners's dwellings, &c. Also, dwell
Hinge, Sc, ,.of others, where there are no
other buildings withinS rods; for S years,
at from 2so4S per cent cent, premium
Rose. saasse5
Second. VILLAGE UEIoN, including
othes dwellings, village risks, stores,
mechanics, churches, &c, for 3 70 B
years, a, from 8 10 Is per cent, premium
aoie. gs gi sss ie.
Third. MANUfAcTURERs' UNION, in
cluding most kinds Of manufactures, for
. years, at frsm d 10 28 per cent, pre-
,spiun, note. ...a d. 2sas f3ea
3, ADVANTAGES OF THIS COMPANY.
gBy this happy arrangement, the three
ssions will establish three distinct lnsur-
-ance Offices in one, thus saving the ex-
.pense Of three separate establlshmeR;sA
saaa ai tue same time, EACH KIND OF FRO
YKRTY fNsuREs ITSELF, and is eHemp
from contributions 10 ,hesother kinds.
RATES ARE CHEAP, and the
os.ouns paid dorm such as reasonably to
secure The members from annoying as
sessmonts; and there will be no assess
-metlis. unless the expenses and losses
ssxceed IS per cent. Of the capital.
ri LAWSUITS are guarded against, by
a positive condition Of the Policy, to sub
NIT questions Of difference to three citi-
gems Of the county where the loss oc-
ours. 3
- LOSSES are paid in full, to the
amount insured.
1al POLICY takes effect on the first day
ofthe application, or my other day de-
sired, if fapproved by the Directors.
Any member may surrender lbs policy
: erAen he pleases.
LIABILITIES. No member is liable,
! during the term Of his Policy, 10 pay
10 the whole any greater amount than
. bis Premium Note.
q There are no sdIaried officers or
agents in this Company.
81 FARMERS. The charter expressly
prohibits the farmers Union from insu-
ring any building except dwelling houses,
Toui houses, barns, and otLer building,
connected with and appertaining 10
farms, and their contents; and also the
houses and appurtenances Of persons, not
farmers, which have no other buildings
within 8 rods.
Il In no other Company is the farmer
thus secured against contributing TO
dangerous risks.
VILLAGE AND MANUFACTURERS UNION.
~ In these unions no risk con be taken
when there are more than three wooden
buildings within 90 feet Of each other;
nor can any one risk or ihe gum Of all
the risks in the same class, exceed
$4,000, within six rods every way Of The
property insured.
ssl In mons Of the Unions, not over two
thirds the cash value Of buildings can be
insured; and no risk can be taken where
u stove-ppe passes through the roof Of
wall Of the house.
JAMES MACKENZIE, Agent,
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