The morning call., 1893-12-23
INSURANCE MEN.
They Adopt Important
Resolutions.
They Protest Against the Boycott
of Companies and Decline to
Submit to Coercion.

The resolutions adopted by the San
Francisco Fire Underwriters. at their
meeting on December 81. read az follows:
| WHEREAS. Underwriting is a business which
| has been established flor centuries upon we'll
defined lines of honesty, integrity and fair
| dealing between the assured aud the insurer;
and whereas, experience has shown that under
writer's should In ali cases. not only for their
own protection but for the protection of the
! public, make thorough and complete nyestig
| tlOn OF all fires and examination of all docu-
me0ts before settlement; and whereas, lhe
rights of each party 10 the contract clearly,
| distinctly and plainly set forth in the policy
| ltsell; and whereas, OF all classes of men
| gagged in business there Is none which so sell
| dom applies 10 the courts for protection In its
| rights as underwriters. having regard TO The
| maguitpde OF the interests concerned.
! Resotued, That We view with concern the
| tendency 10 use tie columns of the daily press
for The purpose OF manufacturing popular
! prejudice against investigation by underwriters
| before payment of losses.
| ResOlved. That we recognize the necessity for
a full Investigation into the circumstances and
! conditions Suri oundlug claims for fire loss as
| The only means OF protecting underwriters
against fraud and the honest Insurer against
| consequent excessive rates-
HeSOtCed, That We protest against boycott of
| companies who main ain their legitimate right
| 10 fully investigate The validity and business OF
such claims and that we Will decline to substi-
| tute our policy for mother which has been or is
| TO b. Cancelled with the object OF coercng a
| fellow underwater into abandoning all lnVesti-
gatiOn lutO any loss, ana mat We Will TO the
| best OF our ability prevent such cancellation
and explain 10 The business community that
by such course they are lowering The standard of
| business morality, Increasing the opportunity
for excessive and dishonest claims for loss. and
are actually labOrlng 10 increase their own pre-
mums. since underwriters must charge suffi
cIent rates 10 reimburse themselves for all
losses, both honest and dishonest.
The foregoing resolutions have been
signed by the foilowing:
New Zealand Insurance Company, Hugh
Craig, manager.
sun Insurance Company. William H. Friend,
secretary.
Royal Exchange Assurance, Queen Insur.
ance Company OF America, Connecticut Fire
Insurance Company, Robert Dickson, manager.
London Assurance Corporation, Northern As
| surance Company, George f. Grant, manager.
London ana Lancashire Fire Insurance Com
pany, ID. .. Miles. asssi ant manager.
Insurance Company of North America, James
ID. Bailey, general agent
CONTAMINATION Insurance Company Geo.
h Tyson. general agent.
Amrricau Fire Insurance Company OF New
| YorA. British American Insurance Company OF
| Toronto, esteTn Assurance Company OF To-
ronto, A. X. Gurrry manager
Alliance Assurance Company, n. I. James,
manager.
Union Assurance Society, Cation, Bell & Co.
National Fire Insurance Company of Hart
ford, Geo &c ID. Dorniu. manager.
Patriotic Assurance Company, Okell. Don
nell & Co, general ag nts.
Home Mutual Insurance Company. Stephen
ID. Ives, secretary.
Hone Ipsu, ance Company of New York,
Phoenix Insurance Company of Hartford,
Arthur f. Aagill, general agent.
Atlas Assn ance Company, BOylstOn Insur-
anee Company, National Assurance Lompany
of LELAND, Frank j. Devlin, manager
Royal and Norwich Insurance companies, E.
| w. Carpenter, manager.
Pennsylvania Fire Insurance Company of
| Philadelphia, the Svra Fire Insurance Com
| pany OF Gothen0urg, the Greenwich Insurance
| Company OF New York, PhenlX Insurance
Company OF Brooklyn, n. Y, Americ n Fire
/ InSn nf Ifttt
| Craig Co., general agents.
PalatIne Insurance Company. limited, of
Manchester. England, Manufacturers anu
Builders Fire Insurance Company of New
York City, Charles A. Laton. manager.
Northwestern National Insurance Company,
George w. Turner. manager.
Continental Insurance Company of New York,
+. &. BarkmaU, assistant manager.
Ktna Insurance Company George G. Board
man, general agent.
TTaUsaIIantfc Fire Insurance COMPANY of
Hamburg, G ii. Leonard, h. Danker managers
Hanover and Clilzens' Insurance Company of
New York, comprising the New York Under
writer's Agency, United Flremen's Insurance
Company of Philadellhia farragut Fire In
surance Company OF New York, Cesar Ber-
theau, manager.
North Britl-h and Mercantile Insurance Com.
pany, Tom &. Grant, general agent.
Ph9nlx Assurance Company OF London, But
ler d Halden, agents.
FlIemau's r. und Insurance Company, William
j. DuttOn, vice. president.
Imperial Insurance Company Qimited) of
il-
don, iliam Sexton, manager (by k. G. Med
craft sub-manageO.
Springfield Fire and Marine Insurance Com.
paDy, A. u. Dugan, general agent.
Commercial Uuion Assurance Company Qim-
ited) of London, e. +. Mullins, manager
The Lancashire Insurance Company OF Man.
chester, England; the Glrard Fire Insurance
Company of Pbitadellhla, Pa; the Agricultural
Insurance Company OF New York; tue ST. Paul
Insurance Company of st. Paul, Mimi; The
TeutOnia Insurance Company OF New Orleans
La; Mann & Wilson, general agents.
Manchester Fire Assurance Company Gale
donian Insurance Comp ny. American Insur-
ance Company OF Newark, n. j. Balfonr
Guthrie q Co.; George W. Spencer.
Liverpool and London and Globe Insurance
Company, Charles ID. Haven, resident secre-
taiy.
Moth German Fire Insurance Company.
Walter Speyer, general agent.
Hartford Fire Insurance Company, Belden &
CofTan, managers.
Delaware Insurance Company, American
Central Insurance Company, Pacific Fire In.
surancs Company, Rola V. Watt, general
agent.
Fire Association OF PHILADELPHIA Reading
Fiie Insurance Company 1ranite 5 ale Fire
Insurance Company, Paul Nj. Nippert. mana
ger.
United States Fire Insurance Company,
Bromwell, Fowler & Co., general agents.
Scottish Union aud National Insurance Com.
Dany, ". j CaiDgham. general agent.
Hamburg Bi emSn Fire Insurance COMPANY,
Niagara Fire Insurance Company, Rudolph
Heruid j., general agent.
Williamsburg City Fire Insurance Company,
Franklin Fire Insurance Company, American
Insurance Company. Ed f. Potter, agent so
long ; this is lived I'D 10 by all OF the signers
hereto.
Columbian Fire Insurance Company Thomas
Q. HiUdmau & Co., managers.
Aschen and Munich Fire Insurance COM
pany, Glen Falls Insurance Company, Traders
Insurance Company, Merchants' Insurance
Company, Union Insurance Company, VOss
Conrad & Co, general agents.
o kand Home Insurance Company, Fire
mans Insurance Cooperative, Maxwell g.
Berry. general agents.
HUGH CRAIG, chairman committee
Reasons given by managers OF CON-
panies doing business In San Francisco