, 1876-05-06

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ADDITION AND DEPLETION OF TIE noAnn.
Perhaps stere is nothing more suggestive in
the who'o proceedings OF the National board
thsn the report showing that during tho year
only two compaotes-thc Northern, Of London.
and sheWmut, Of DoBtoa-were adaod to the
nosrd, wl,ilo :hrco wore expelled Che Faneuil
T., and I:oyai Canadian. Of Moatroal}. Nnetean
companies resigned and eighteen companies
we're dropned from tho rolls. Tho names havc
been telegraphod 10 Ionr readers, and hardly noed
majority OF those "dropped hra non-agency
companies, doing principally ouiy local busi-
ness IN thsn city and lsos.on. In THO latter city
se BoSon pth s aoaa s nes get as1 aS9g
aud Withdrew tho1efrotn for that reason. Tbs
most strenuous efforts rcro nude by tho Exocu-
tive Committee TO bring them back into tho fold
Of tho faithful, but in sain. Tho remaining
companies which resigned from tho National
Board ranks arc NOW dong business through tho
country ~ non-lsoar]ers, aud doubtless tho list
will heucetorth increase. Ono effect of tho nu-
msrous Withdrawals duriuE the past yesr is an
made upon tho remaining mcmbors-ffom Is to
% Of per cent upon tho compantes' Agency
receipts. rhe OF 1ponses. bv the way, Of runnluy
tho Board are upwards Of 7loo.ooo per auuum-
No MuRE c0xrAHtEA TO III pRorrED.
The Doard evidently dosigns to prcsorrs ita
present membership as nearly intact ns possible.
There has boon nome complaint about ths sum-
mary WY m Of droppptnE lpnnE; compauiG;s ,t;s, oa.
tho future, III. Hall. President OF tha M.
tionai of New York. ororod resolution, which
waa adopted. 70 the effect that, hotoatter, Whom
Board, tho Executive Committee shall report
| and auggcEt such disciplinary action as may be
deemed advisable, elring tho offending company
two wooks notice thereof. and that no disciplin-
| ary Actlou shall be had until authorized by tic
Nstiouat Bolrd. This moans that no company
shall he voted out of the Board excepting By tho
Board ttaelf. It lis roallY M important roso.
luton. ..
INSULTS or TIE ROW m BosToN.
In the report OF the New England Provisional
Committee may be found \ record Of the de-
moEallzation ri rates To- Boston consequent
upon withdrawal OF the local companies from
tho Board. Tho report says:
The results Of bustusss 10 Boston to these cou-
rauias themselves sow The folly of their COURSE aud
th.t Tho falling OF tn receipts there, ~ elsewhere, Ia
uoard companies in thu City of boston for the air
tnunths ending Jaa. !, 1916, ~ COMPARED with tie
rss5dc 81 q 4 The nssTious M ysa VETS s
Jer cent Tho receipts 81 .tle tvciye Boston co.n-
pante*. who arc now out of the Hoard for the sane
period In Of the companies doing The rEHt bnsi
criterion for ths whole, shows that while Tie reduction
in prcmtnrns nounte1 to % r cent, thu decrease In
he amount 4 s1ai vas 17K Icr cent II will ha cvi
dent, then to any ons acquainted w1h he 1el, TINT
@ e ,ss psse H.. VI as 81 hs sna s
Of the Dosrd ahow erea larger Icrcenta9e Of taltag
OF In premiums thxn tha Board companies, TINT their
falling od In rate, end consequent iucreAss in Aab!i.
ties. afo very much xreatcr. and the NnwtAdonl oi
their withdrawal from the board il too clearly demon
st.ated by tho results given to admit Of argument.
TIE AoES1s DRgAnIsa xoH-yoAnp coMrAstEs.
Everywhere the National Board otlicisls on-
counter agents who hre making great pressure
upon tho companies for concessions In ratoa,
\ upon the theory that tho non-Doard companies
4 afe stealing AWAY tho buaiuoss. Yery properly
the Board companies reply that they must charge
! fair 1ate, aud that, No Matter what they Aa5
chargd, tho smaller companies will still undoIcu!
the ratas. This subject has probably rocelyed
than elsewhere; md tho Provincial Committee
Of shAt section report 1t length on It 70 ths
Board They give several notable instances be-
side that Of boston {beforo given) showing the
refer TO New Haven ~ being Aell wherein ths
nou-Board oie,nent has been pitsod against tht
Board Ia al its strength. Upon this point the
Committee argue adyotaely 70 &uy concessions
iu rates from foar OF eompoat1on. TheJ say:
There Ia much more su1oka than frs Ia the grca
drrad af Board agents and eompanics ss non:h oard
competition, and fair Illustration Of The Lick ol
tioa a 1stes 70 NEE: Ill oonpeaon, ~ .sa.n Eefe
tho receipts Ut tas UoarI and sssuctos u
New Haven fes Tue year ls5 TIE receipts Of he tor
squa! i =. .ssssae o. senbiasd ;sss,pt. Of tA
conclusive argument against general rodpctton-
1 GOOD WORD YoA CHICAGO.
President Oakley. IN bis alluslons 70 the In
provements aud Increased elIlcieocy. Of Fro De
partmouts In this country, thus refera to Chi
tago: ...
No city shows more marked improvement In III
osgsnlzaon OF it, Fire Department and tncroaaed va
ter facilities than chlcaao.-thst city having adopts
u UPON BY ths in.asaaes conpanles~snd Ike pss,
uso a making thia public announcement Of tho fac
Gill;. sd t. e sa
III 8oonCuxR or w1BooNR1s.
Referring to the necessity Of united action
prevent HtAte courts aud Stats Legislatures fIot
Imposing unjust burdens upon the companies
r1aaidont oakley mentions thu experience
Wisconsin In witheriug sosma lie says that tll
compAuies' chief protection ia thelt policy, th
contract boswoen the saAurod and tho iusures
hna that tile ouiy waT 10 Thsoh any Of sss nano
tons can be wa,yod " by written indorsemon
which, being reported 10 tho Company and pas
/ iug under Ito supervision. permits OF Its car
: collation. It not satisfactory. Tue rights Of u
Company tn ; tAtr and reasonable !ntsEn1etatie
.ho % soafts Of Nsw YORK, Massachusetts, i
md pounsylyana, as we'll - BY til
United statea oourtn, yet T. has bee
, reserved for Wlseotstn-a btato whor
, tho oompantea hAyo constantly lust money, tnt
, where Tho last yoAr shows proportion Of losse
| to premium recsipts Of 8l.Gf par oSnt-to PRO
, | mulgata 4 dinatunt doct1lne. lle quotes ta
! following from the dsolsloa Of Chtaf-J Jnstto
lsyan. OF the Wisconsin sunseme Court tW'nan
\ vi. A!tetnanata Insurance CompAny('
And w. mus, hold II u u the settled law Of III
Ouurt Mat tho agent of N Insurance company, At
thorzed 10 take risks AID Iasua policies OF inRnrAnc
ac.ifls ,re, nsy raiv4 ~ Isr0t condition Ia polle
= tssucti ty him, AMI again: Ult hFs insuFpnce Ia
irauasctiun bgtweeu e1Iests aud lasxpatts, aud Il
rule adopted socs 70 bs assenal 10 ths enaa of 1u
| ttcu,
. AtMoer now II THE ExKcpTfTB SESSION.
= One scene occurred III tho executive seaainn
] tho board which has uot thus far boen public
: roportvd, The board tnld kn executive aessol
: aud invited t1s general aud special sReuts
tbs board companies TO uaeet with shsu. st
! | expteas kttoir ytewA 0u topics OF interest. 4