The Kalida venture. [volume] (Kalida, Ohio) 1841-1865, 1851-01-10
MUTUAL INSU IAN q E
THE WESTERN RESERVE
FARMERS INSURANCE CO..
po;,, yr;Ie ObiO


FARMERS INSURANCE CO..
Painspille, Ohio.
DIR TORS.
HoN. SEAsuRy FORD, HARVEY WooD'
WORTH, Hon. URI Shelley, JOHN MUIR
RAY, Hon. WM. w. BRANCH, GRANDSON
NEWELL.
PIP. SANFORD, President.
WM. L. PERKINS, Secretary.
E. G.S. s. JOHNSON gSHssos, General Agents.
The high character and standing Of the
Directors, are a sufficient gu aranlee that
they intend to avoid the course Of busi-
ness which has made the old Mutual
Companies unpopular.
ENCOURAGE YOUR OWN.
Our laws have no control over foreign
companies, and you know nothing of their
: responsibility OF integrity.
CAUTION.
A statute of Ohio, makes all Policies
OF foreign companies "to all inten's and
purposes null and void," unless the Agent
has License from the County Treasurer.
There are many agents Of other COM
pspies soliciting applications, and repre-.
seutinp their companies as Farmers
Companies, while their charters authorize
them to insure all kinds Of property.
AU authorized Agents carry with them
Commission, copy OF their Charter
and printed Instructions. Farmers who
would not be imposed upon, will do well
TO demand these and inspect them care
fully. -.
By on 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 or responsible for
,be Others, 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: :.
FIRST. FARMERS Union, including
farners's dwellings, &c. Also, dwell
linps, &C., Of others, where there are no
other buildings within s rods; for years,
at from 3 to AZ per cent cent, premium
Ro.e.
Second. VILLAGE UNION, including
othes dwellings, village risks, stores.
mechanics, churches, &C., for TO .
years, q, from 3 10 Is per cent, premium
note.
Third. MANuFAcTURERs' UNION, in
cludinq most kinds Of manufactures, for
. years, at from 4 to23 per cent, pre-
mium note.
ADVANTAGES OF THIS COMPANY.
By this happy arrangement, the three
usions will establish three distinct insur'
ance Offices in one, thus saving the ex-
pense of three separate establishments,
and at the same time, EACH KIND OF PRO-
YInrY ENSURES ITSELF, and is ehemp
from contributions to ,hesother kinds.
RATES ARE CHEAP, and the
o,noun, paid dorn such as reasonably TO
ascu1o ihe members from annoying as
sessments; and there will be no assess
rnents, unless the expenses and losses
exceed IS per cent. Of the capital.
LAWSUITS are guarded against, by
q positive condition Of the Policy, to sub
NIT questions of difference 10 three citl-
gems Of the county where the loss oc-
ours. go a.,
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.
Any member may surrender his Pot'c,
uken he pleases. ,.,,
LIABILITIES. No member is liable
during the term Of his Policy, 10 pay
in tho whole any greater amount thar
his Premium Note.
There are no salaried officers OF
agents in this Company. :,
FARMERS. The charter expressly
prohibits the Farmers Union from insu
ring any building except dwelling houses
out houses, barns, and otl.er building
connected with and appertainlng Il
farms, and their contents; and also tn
houses and appurtenances Of persons. no
farmers, which have no other building
within 8 rods.
In no other Company is the farme
thus secured against contributing Il
dangerous risks.
VILLAGE AND MANUFACTURERS UNION.
In these unions no risk can be takel
when there are more than three woodel
buildings within 20 feet Of each other !,
nor can any one risk or the gum of al
the risks in the same class, excee'
$4,000, within six rods every way OF th'
property insured.
In none of tho Unions, not over two
thirds the cash value Of buildings can b'
insured; and no risk can be taken wher'
stoye-ppe passes through the roof o
wall OF the house.
JAMES MACKENZIE, Agent,
Kalda, o
Kalida. Sept. 3, 1850.