The Kalida venture. [volume] (Kalida, Ohio) 1841-1865, 1851-02-28
MUTUAL sURA.N ICE
~ sEs THE WESTERN RESERVE p-s, .s,.
FARMERS INSURANCE Co. =
aa IA PdipspilLe. Ohio.

Hon. SEABuRy FoRD, HARVEY Woop.
WORTH, Hon. URI SEELEY, J HIN Mux.
RAY, Hon. WM. w. BRANCH, GRASDi.oH
NEWELL. n ~ " aai
PIP. SANFORD, Presidsas. {
VIM, L, PERKINS, Secretary.
E. 3 E. :. Iaassn, JOHNSON. General Agents.
The high character and standing Of The
Directors, are sufficient guaraniee that
they intend to avoid the course Of busi.
ness which has made the old Mutual
Companies unpopular. Sa4,
ENCOURAGE YOUR OWN. ~
x, Our laws have no control over ioreiga
companies, and yon know nothing ofihsis
esponsibility OF integrity. tss2
CAUTION. Eaa Sag
A statute Of Ohio, makes all Policies
ol foreign companies ",o all intenis and
purposes null and void, "uniess the Agen,
has License from the County Treasurer.
There are many ,gents Of other COM
panies soliciting applications, and repre-
senting their companies as Fdrmers'
Compdnies, while their charters authorize
them to insure all kinds Of property.
All authorized agents carry with them
a Commission, copy Of their Charter,
and printed Instructions. Farmers whs
would not be imposed upon, will do well
10 demand these and inspect them care.
fully. ns l'fi
By an amendment Of the Charter, this
Company is now authorized 10 insure all
kinds Of property in separate classes OF
unions, and the charter expressly pro-
vdes tlia: 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 have
accordingly established three distinct
unions, viz:
First. farmers UNION, including
farmers's dwellings, &c. Also, dwell
Ings, &c, Of others, where there are no
other buildings within s rods; for 5 years,
a, from 2 TO 4A per cent cent, premisn
note. ''t'g.
Second. yiLl.sR USIeN, including
othes dwellings, village risks, stores.
mechanics, churches, &C., for 8 TO ;
years, a, from 3 to Is per cent, premisn
note. .oi..
Third MANUFACTURERS UkInN, in.
Guiding most kinds Of manufactures, for
3 years, at from 4 to % per cent, pre-
MUM note.
ADVANTAGES CT THIS COMPANY.
BY This happy arrangement, the Mrse
unions will establish three distinct lnsur. I
ance Offices in one, thus saving the ex.
pense of three separate establishments,
and at the same time, EACH KIND OF FRO.
rER1Y INsUREs ITSELF, and is o. emp
from contributions TO the other kinds.
RATES ARE CHEAP, ana the
amount paid dorn such as reasonably 10
secure the members from annoying a..
sessmen ents; and there will be no assess.
mcu's, unless the expenses and lussss
exceed Is per cent. Of the capital.
LAWSUITS are guarded sgainst, by
positive condition Of The Policy, TO sub.
nit questions nf difference to three ciii.
zrns Of the county where the loss 90.
ours.
LOSSES are paid in full, to the
amount insured.
POLICY takes effec, on the FIRST d.y
Of the application, or any othet day de-.
sired, il approved by the Directors.
Any member may surrender his policy
rhen he pleases.
LIABILITIES. No member is liable,
during the term Of his Policy, 10 pay
in The whole any greater amount thaa
his Premium Note.
There are no sdlaried effesrs ss
agents in this Company. F
FARMERS. The charler expressly
probiblls the farmers Union from mss.
ring any building cxcep, dwelling houses,
OUT houses, barns, and otLer building,
connected with and apperiaining 70
farms, and their contents; and also The
houses and appnrenances Of persons, not
farmers, which have no o,her buIldings
within 8 rods.1 N sgf,y $50
In no other Company 10 the farmer
thus secured against contributing v
dangerous risks.
VILLAGE AND MANUFACTURERS UKItN.
In these unions no risk can be taken
when there are more than three woodea
buildings within 20 feet Of each other;
nor can any one risk or the sam Of u.
The risks in the same class, exceed
81, 600, within six rods every way Of The
property insured. 7s 2se
In mons Of the Unions, not over tws-
thirds the cash value Of bnildings can be
insured; and no risk can be taken where
, siove-plpe passes through she roof Of
wall OF The house. g4.s ~ @
JAMES MACKENZIE, Agent, z
t Kdlida, O.
Kalida. Sept 3, 1850. at,il @gH