davidaulloa/AmericanStories huggingface dataset:
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
FOUR COMPANIES
Faithfully Represented by James
O'Meara & Bro.

What James O'Meara ond his brother.
Charles, do not know about st. Paul is
net worth knowing, as they first took
up their residence in the city In 1855,
and, more or less. have been identified
with it ever since. Both gentlemen
were born in New York; Charles in
1S4S; James in 1851. Charles O'Meara
commenced the insurance business four
teen years ago, prior to which he was
for four years Interested in general
merchandise. James O'Meara was
twelve years resident OF Hen
derson. merchandise and insurance
occupying his attention. James OMeafa
q Bro. is the title of the firm, and
the companies they represent are: Con-
tinental Insurance company, New York;
Standard Insurance company, Missouris
Western Home Insurance company,
Iowa; German Insurance company, St,
Paul. The firm is strong and reliable
one. Both members of the firm are
we'll liked, and the companies repre-
scented have an exceptional high stand
ing. The business has constantly grown
under the careful and iudicious man
agement of this firm. Mr.. James
O'Meara married, 1873, Miss B. Cunning
ham, of Sibley county, and Mr.. Charles
OMeara married, 1897, Miss McMahon,
of ST. Paul
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
For the City and state Cannot Be
Equaled for Business Done.


There are thlrty-three life companies
operating in st. Paul and Minnesota.
The total number of policies in force at
the close of 1889 was 20,219, covering
Sol So, 674; total number of policies is
sued during 1890, 7.132, covering $50, 49,
S67; total number of policies ceased to
be in force during 1899, 3,69S, covering
81, 73a, 999; total number OF policies III
force at close OF 1899, D, 667, covering
S63, 3S9, 543, making net gain over the
previous year of :, 44S policies, covering
So. 024, $50 of insurance. Total amount
of premiums. notes, credits, etc, re-
ceived during said year. 1879, was 81, 942.-
S37. %. Total losses incurred were SILL
227.30. and total losses paid, 1912, 1905.
Excess of receipts over losses incurred,
81 .23l. Gl0.22.
1t is interesting to note that over one
half, or ALP of the new policies issued
in the state in 1890, were written by five
companies, msuring lives TO the amount
of $l3.67S, 683: leaving 2,720 policies.
covering $7.O7l, 1874 of insurance to be
divided up between twenty-eight COM
panies. While the Northwestern
Mutual Life, of Wisconsin, stands first
in number of policies written, with the
the Mutual Life, of New y DIRK, second,
the New York Life leads all the other
companies in the amount of insurance
written, although it stands fourth in
the number OF policies. and the Equi-
table Assurance society, of New York.
stands third in amount OF insurance
| and fifth in number of policies.
The total number OF policies on lives
| in Minnesota in force at close of 1890 IS
23,667, covering 3.3S9,5i3, of which
5.566 policies, covering sll,0l9,019. are
/ held by the Northwestern Mutual, of
Milwaukee, Wis. The Mutual OF New
| York stands second in number of poll
cieS, having 1852, covering $S,949.6S7 of
insurance, while in amount of insur-
| anee the New York Life stands second
! with 50, 307, 53S. represented by l,S99
policies. The Equitable Assurance So
/ cietv OF New York stands third in mum
| Der of policies, having l,974, and fourth
! in amount of insurance with s.. 1898
A Comparison.
The following table affords cOmpar-
isOn of the business tran sacted in this
state by the regular life companies dur
ing the years 1889 and 1870:
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03

approximation of the general results in
this state may be seen in the following
statement. showing the gross premiums
collected by companies from other states
operating in this state for three years
ending with 1870:
1865. 1869 1870.
Fire inSur-
auce $50, 951 81 S417,S51 50 $780, 45S 90
Life insur-
anee -. 2S5. 1850 Of 353. AIS II 423,O14 80
Totals. .S577. 312 As S77l,27 OF $3.50. 473 81
Great as was the increased business
done in the decade closing 1870, it is
nothing when compared with still later
figur eS. Take fire insurance.
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
MANAGER OF THE GERMANIA.
Mr.. Wander VeIde at the Head of
the Great Life Company.

Mr.. Wander VeIde at the Head of
the Great Life Company.
Nico Wander Velde is the resident
manager for the Germania Life Insur-
ance Company of New York. and has
overseershlp of Minnesota, Wisconsin,
North and South Dakota. The Ger
mania Life was started in 1850. The
ST. Paul office was opened fifteen years
ago. Mr.. Wander Velde has been man
ager of the Germania five years. during
which time the company built the pres
ent magnificent building corner Fourth
and Minnesota, at cost of 100000.
The company's business has grown
enormously of late years in the North
west, largely owing to the business
acumen of Mr.. Wander Velde. who is
ever on the alert. He is a man Of ac-
kn0wledged ability, untiring and pro-
greSsive. Mr.. Wander Velde married
Miss r. E. Smith, of Anoka, Mimi, in
1870
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
FOR NINETEEN YEARS.
Policies Issued and Losses Paid
by Life Companies in This State.

The following table shows the num-
of policies, amount of insurance, pre-
miums received and losses paid each
year during the last nineteen years by
all the life insurance companies IN this
state. BY the total foOtings of this Ia
BILE it Will be seen that during the nine
teen years closing with 1890, 55,603 pol
icies have been Issued upon the lives OF
Minnesota citizens, covering insurance
to the amount of Sl47. AGA, 677. The pre-
miums received upon this insurance
amount to S12, 1914. 043.23. and the losses
maid amount to s.. 25S, sos. IL.
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
STARTED IN WE'LL.
MIR. +. E. Ford, of the Travellers
Insurance Company.

Mr.. +. e. Ford, of the Travellers
Insurance Company.
The state agent for the Travellers In
surance company, of Hartford. Conn.,. is
F. L. Ford fact not only for Mime
sofa, but North and South Dakota. Mr..
Ford's acquaintance with st. Paul CON-
menced last year. He was born at Gan
anoaue, Can, 1862 MIR. Ford was for
two years principal Of Richfeld Union
Free school, subsequently teaching
mathematics and eloeution at
Franklin academy, Malone, N.
Y. He also taught in tho
Columbia grammar school, New York.
Mr.. Ford has been four years in the in
surance business. Twice he assumed
the local management of the Traveller.
The accident business i'll this state has
increased so per cent and the life basi-
ness has also been considerably in
creased. MIR. Ford studied law with ex.
Senator John T. Gilbert, of Malone. Y.
Y. He is an accomplished gentleman
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
M'MANiGAL BROS.
A Young Firm of Exceptional
STANDING


o The McManigal Bros. are favorably
known for their enterprising spirit.
Both are young business men. q. w.
I McManigal is thirty-six years old; f. R.
MECHANICAL is thirty-fOur. They are
Ohio men. f. r. MECHANICAL came to
st. Paul in 1882 and was bOokkeeper
, for Nathan Ford for seven years. The
brothers established their business i'll
1889, and i'll addition to insur
iance, they deal extensively IN
real estate and loans. MECHANICAL Bros.
are also agents for the Emery Improve
ment company. of Emery, S. D., a
growing Western town, which offers
great facilities for settlers and investors.
Nc Manigal Bros. have been very sue
cessful since they started in business.
j They are hard workers, and i'll CONNER
cial circles have all exceptional high
standing. They are energetic, full OF
perseverance, able and courteous bust
/. ness men. Their friends are only limited
by the extent of their acquaintance.
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
IN THE FIFTIES,
When MIR. Constans First Struck
ST. Paul.

When MIR. ConstaDS First Struck
st. Paul.
I'll. B. Constans conducts general in
suranee and loan business. He has a
very wide connection, and the insurance
companies he represents are:
Organ
lied. Assets
Springfield Fire and Marine,
Massachusetts. .1649 S3, 4lO,9S3
County of Philadelphia, Phila-
delphia. Pa: ...... 1857 S55,594
State of Pennsylvania. Phila-
delDhia, Pa. ................. l794 us, 453
German American, New York 1872 Ssh, 346
St. Paul German Accident
plate Glass. ............ -. .......
Williamsburgh City, New York 1858 1.303,3n
Mr.. Constans was born in Alsace,
France, 1910; came to st. Paul in 1854.
He has been engaged in various BUSH
ness. and has not resided ali the years
he has been in Minnesota in this city,
for in 1880 he was mayor of New Ulm,
and has filled the position Of auditor in
Brown county. Mr.. ConstanS was also
cashier of Brown County bank. He has
been six years engaged in the insurance
huoipnoC
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
MILLER g HILLMAN.
n Young, but a Very Vigorous,
Loan and Insurance Firm.


Conrad W. Miller and Hermann Fl.
Hillman entered into partnership in
March this year. and the business done
by them has been the most tlattering.
Conrad W. Miller is known in every
ward of the city, and is regarded
among the most substantial citizens.
He was born in Milwaukee, 1859,
aud located in St. Paul in
1878. He was for many years
connected with the wholesale saddIerv
firm of Schmidt & Miller. on Sibev
street. Hermann H. Hi.lman has been a
resident of the city sine, 1872; &c was
born at Bremen, Germany, thirty-three
years ago. Prior to his partnership
with MIR. Miller. he was Interested in
the real estate and loan business. lie
is nlan OF recognized ability.
Me>srs. Miller d Ii Ilinana eolauet {,
general fire insurance and loan bu,i-
mss. and represent lie following well
hnJwf companies: Seut I,n UniDIi ar
National. OF E'iiahurgh. Sro, land; i.iull.
Of LoasiEt. T. .itaI: - el1 etil,. -.
Gleus Falls, y. I. IIe,a cOlnFaaieS
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03

1t will be understood, of course, that
the aggregate liabilities as above shown
include neither capital stock nor rein
surance reserves. The meagre state
ments formerly made afforded little IN
formation as to the extent Of the iiabil-
tiles of companies beyond that OF eX-
penSes already incurred and losses as
fertained and in process of adjustment.
These figures are therefore wholly val
ueless as 4 test Of S0lvency, and are IN
teresting merely and indicating the
movement and extent of fire insurance
during the period named.
BY the act Of 1858, to which reference
has been made, life companies which,
before that period were free from Off
cjal supervision, were subjected to all
the conditions imposed upon those do
ing fire business. The required state
ments were made by both classes of
companies upon the same form Of blank,
and are. Of course. alike deficient in adj
equate material for testing the actual
standing Of life companies. a similar
limited exhibit of life companies oper-
ating in Minnesota is afforded by the
following statement:
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03

year Miss Emma Witt. of st. Paul. Mr..
Wharton says the company he re-
presents writes the most liberal policy
of any accident company, and it is I'M
rivaIed for prompt settlements Of
claims. There is no medical examina-
ton required; no annual dues, and the
benefits are ''out of sight"
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
IN FIRE INSURANCE
The tate Ranks Among the Most
Important in the Country.

Important in the Country.
st. Paul and Minnesota now rank
among the most important insurance
fields in the United States, as is evil
denced by the large lists of companies
that are at the present time authorized
to transact business in the state. The
increase in amount of risks written in
1890 over 1889 was s26, SOL ,339, while the
excess in losses incurred over 1889 was
only SIS, 499. 81. The continued rapid
development of the state yearly adds to
the large amount of insurable property,
and. by the stringent building laws en-
acted in nearly all the larger cities,
W hich provide that every possible safe
guard be made against the occurrence
of fire in the erection of buildings, tends
to decrease the annual fire waste in no
small degree in proportion to the in
creased amount of insurable property.
The business of the fire and marine
companies in the state for the last nine
teen wears is as follows:
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03

dimensions, mostly established OH the
mutual principle. The number of fire
insurance companies in the United
States is probably about 906. Of these
a large proportion have merely nomi-
nal existence, but on the other hand i'm
portant foreign offices-British, French,
German. Swiss and Canadian-tIansact
business LII the states.
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03

Income from all sources. 1876 ,72) 30
Losses and matured end0w-
ments paid 6O,312, or 70
Total EXPENDITURES .. 13i.6L8601 %
penditures ................ 62,39O, 119 30
Dec. 81 1,275. 404a
Net increase during the year. 137, 0lS
Insurance in force Dec. 81. SO, SAT ,316,9l1 W
Net increase during the year. 3J9, 40, 40 W
Policies terminated by death
and maturity 20S49
Losses by death and maturity. $50, 667, rs %
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
AT THE HEAD.

Inc NatlOnai Live StOCA Alsur-
ance Company the Best in the
Northwest.
The National Live Stock Insurance
Company of ST. Panl, with an author
lied capital stock OF 5000 o. occupies
the highest position among live stock
Insurance companies OF the country.
Organized five years since by we i
known. staunch business men, who
have the best interests of such a com
pany M heart. with William Nj. Bash
nell. ex-prrsideilt of Minnesota STATE
Agricultural society is p.'sa-i tent; IL.
L. Drake. iir,t vie president: ID. ID.
f.trf.s., second v.ee pF.'~i.teht: Gen
!. u. Di>Asih e.x-s,.>'~-it.'!it c.ian-
Jrr -. cln.nerce an president.
If II. l';i.si Trh-t c5np tx, treas
,.rts, GcJ.5e II. BGvSI, secretary
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
Sl,452. 572 81

Surplus at per cent. = S57s.O6s b
The PhenIx Mutual last year III
creased its business i'll all departments
over the business of 1889. and since its
organization has paid for death losses,
mutual endowments, dividends to policy
holders and surrendered policies more
tnan SO 900 600.
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
HHREE YEARS AGO

The Firm of Messrs. Casserly e
Donnelly Was Started.
The firm of Casserly Il Donnelly is
we'll known in Insurance circles Law
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
AN ACCIDENT COMPANY

AbIY heOTcStlJtI tn INC EtFSOn
Of r. L. W narton Jr.
r. l.. Wharton Jr.. a ST. Paul man, is
tie state agent for the New York Acct
dent Insurance company. He has been
in the employ of the company four years
i nj has mate most enviabIa record.
lie is ycung. Industrious, OF undoubted
isillly. aud never fails iii anything that
he undertakes. lie WAS born in ST.
Pan. in ISIS. aat graduated from
..,c.,.cs.r college. Il. married this
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03

Increased Business Being Done
by Fire Companies.
Showing the healthy standing of fire
and marine insurance i'll st. Paul and
Minnesota the following comparison is
very interesting:
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03

are second to none. having millions of
capital and cash surplus. They are old
aud tried companies.
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
THE PHOENIX MUTUAL
Local Managed by a Hustler, j. r.
Steiner.

There are few buster Insurance men
than Mr.. j. r. Steiner, of $40 Manhat-
tan block. Mr.. Steiner is the local
manager of the Phoenix Mutual Life
Insurance Company of Hartford. Conn.
He is a noted hustler, and represent
ing, as he does, very popular insur
ance company, each year he writes
more insurance than probably any other
one man in the city. The annual state
ment of the Phoenix Mutual Jan. 1,
1891, showed gross assets, $4,000, 654.93.
The liabilities were:
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03

Reserve ON policiesin
force at per cent
interest Conn and
n. Y. Standard) S., 7l3.722 %
Special policy reserve. 49I, 391 Oh
Premiums paid in adj
vance ............. 6.6,6 4s
Loading on outstaud
ing and deferred
premiums. 20,193 20
account 96.69O 90
Claims by death out
standing and other
liabilities. ...... Ill, 690 IS
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
*Inciudes industrial.
FIRE INSURANCE

Set Forth From an Historical
Standpoint.
Fire insurance is a matter of practical
interest to a far large number of persons
than either of the other two great de-
partments of insurance-li or marine.
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
THE LIFE SOCIETIES

four for 1852
and four for 1890
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
Risks Premiums Losses
YEAR. Written. Received Incurred.
OUT OF SIGHT.

Totals. p 2ASo4.6J3 86.3H.262 Il 2L63z255 Il
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03

Liabilities
No. and As'ts
Yr. Cos. Assets. Liabilities. per cent.
1850 D i22J5. 030 IS S907. 4I5 - 7.4O
1870 46 2s554, 81 81 3,316, l3l = $40
The number and standing of the CON-
panies doing fire bushes during the
four years ending with the close of 1870
will be seen to some extent in the fol-
lowing exhibit:
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03

VT cos. Capital Assets Liabilities
1879 . S7606l0l S1l.356, 796 s. SSl7.0l5 "A
1870 10 2l,?4l, 465 81, "a, 456 70 46S1.919 50
Adding the foreign companies and
their American assets and liabilities,
with the assets and liabilities of the
single mutual company within the state
at the date last named, comparison Of
tie number and capacities of the fire
companies operating in Minnesota at
the dates named is afforded in the fol-
lowing statement:
The Appeal. [volume] (Saint Paul, Minn. ;) 1889-19??, 1891-10-17

of Ter cousin Mrs. William Woolridge,
1923 Armour Ave.
Mr.. Emanuel Jackson of Pittsburgh
was in the city last week. He is an un-
dertak er: and thinks of opening a branch
establishments in this city.
-. Mrs. H. E. Puris of 1863. 92d street, who
has been visiting friends at St. Louis.
Mo-. Little Rock, Hot Springs and Rus
sellvllle, Ark. has returned to the city.
Mr.. and Mrs. W. H. Davis (uee Miss
Lizzie Lindsay of St. Paul, Mimi, ar.
rived in the city Monday morning to
reside permanently at 6l5 Morris street.
The Little Fair, 1886 Armour avenue.
Ezra Roam, proprietor. has on hand a
large stock of household necessities In
hardware, tinware, crockery, lamps, no.
tons, cigars, tobacco. Cali in and Sc
cure bargains. $
Mrs. Mabel Roam, 1896 Armour ave, a
graduate OF the National Photographic
school, Delaware. Ohio, is now forming In
class for instruction in shorthand
Mrs. Roam is an expert and can euaran-
tee good results in a remarkably short
time and at reasonable rates. If YOU
wish to learn short hand, this is great
opportunity. Mrs. Roam is also pianist
of ability, she now has IS pupils but is
willing to take few more.
The Appeal. [volume] (Saint Paul, Minn. ;) 1889-19??, 1891-10-17
Ripley. Ohio.

Mr.. George Jones is repairing his
dwelling. = ~..
Mrs. Betsy Wheeler and her husband
took In. the Georgetown Fair.
Remember Mrs. Annie Jackson the
drespmaker. Give her call. -. :.
The Wesleyan Methodist church is
holding a protracted meeting. .
Mrs Josephine Bulger is on the sick
list. Hope to see her out again soon.
Mr.. Charles Marshall keeps fresh
meat for sale. Give him call, patron
ize Charley.
Mrs. BERTHE johnson entertained Mrs.
Amanda Traves and little daughter, Fri
day at dinner.
Rev. Andrew Jackson of Louisville,
KY, preached at the First Baptist church
last Sunday night.
Miss Alice Settles keeps hot coffee and
fried chicken at her restaurant at all
hours. Give her call.
The Appeal. [volume] (Saint Paul, Minn. ;) 1889-19??, 1891-10-17

MIR. Ed Howard2is ~ the sick list.
Mrs: Duty LETT "Wednesday for her
farm. s..-.s. ,IIr =. Es<tes flsS:-..
Miss Lizzie Young left Sunday even.
ing for her home; : ek':ta~ ta1 is:4
Mr. A. J. Jennings will shortly take a
trip to Duluth on business.
Mr.. James Conway 81 Chicago is stop
ping at the Columbia Hotel.
Mr. Spencer Smith Of jamestown, N.
D is paying friends here q short visit.
Master. James Porter will have The
APPEAL for sale every Sunday morning.
Mr.: Richard Weston of,Minneapolis
spent few days here returning Tues
day. IN.
Mr.. w. T. Montgomery, the greatest
Colored farmer of the North. west il
stopping at Headquarters.
Mr.. James Stepp was lately married
and was to leave for7=Los Angeles, CAL,
the brides home, but he left for st.
Paul and left his wife in Fargo.
Look out for Mr.. James Woodfork.
who will shortly pass through the
SANITY City, eD-roIte to Chicago, With
er he goes to capture 4 fair blossom in
the shape of blooming bride. Mr..
Angelo Jennings will shortly follow.
The Appeal. [volume] (Saint Paul, Minn. ;) 1889-19??, 1891-10-17
CHICAGO.
rho Worlds Fair City as Viewed by
The Appeal Man.
4 Compnat1on OF y Number OF Happen
OEs among tho Afro-Americans
Of the Second City of this
Glorious Union.

F Mr.. Richard Smith has gone to De
tro it.
Miss Lillian Ash visited Cincinnati
last week. ...-
Mrs. Sarah Hayes of Topeka, Kans., is
in the city. . J..
Rev J. F. Thomas was the guest OF
Mr.. Samuel Higgins, Topeka, Kans., last
week. :. - = - =, -.
Mrs. John D. Williams and Mrs. F.
Beard are the guests of Mrs. F. Mosby,
St. Louis, Mo-
Mrs Mary Bowman who has been Wis.
Ting in Racine for the past Month re-
turned home Tuesday.
Mrs. A. G. Booker has so far recovered
from her late operation that she will
leave the hospital Monday and return
to her home.
Mr.. M. H. Brown of Cleveland, O has
returned home after spending pleasant
week with Mr. ane Mrs. P G.. Bradley.
3l43 Armour.
" Miss Margie Browne of Kankakee.
ILL.,, was in the city last week the guest