The morning call. [volume] (San Francisco [Calif.]) 1878-1895, 1895-01-23

of the Insurance Union yesterday. About
a month ago committee on constitution
and bylaws was appointed, when the
union had been thrown into a state of
Generalization by the withdrawal of
Arthur E. Magill, manager of the Phoenix
and Home companies, followed by the
Fireman's Fund, the Home Mutual, Bal
four, Guthrie & Co.'s companies and the
Commercial Union of London. This COM
mittee submitted its report yesterday with
a new constitution and bylaws, and after
discussion lasting over three hours its
recommendations were adopted.
The constitution, which insurance men
believe will meet all Requirements, is a con-
else and explicit document, from which
the following articles are taken:
The name of this association shall be the
Board of Fire Underwriters of the Pacific, and
! its meetings shall be held at San Francisco or
elsewhere as may be decided by its executive
/ committee upon written approval of two-thirds
of all its members. Membership shall consist
exclusively of the principal representatives OF
insurance companies transacting business
within the jurisdiction of this board who shall
have signed the constitution after election by
! two-thirds of the members.
It's functions shall be the regulation of rates
| of premium and policy forms, prevention of re-
bates, compensation for business, premium col
lections, non-intercourse and agency appoint
ments in the following districts, viz: District
\ A-San Francisco. District B-California lex
eept San Francisco), Nevada, Arizona an6
i Alaska. District C-Oregon, Washington and
!. Northern Idaho District D-Utah, Southern
y Idaho and Montana.
The basis or key rate and formula for al
special rates and the book of general rates fol
eaco.town or district shall be approved in writ
ing by two-thirds of the entire membership o
this board
No insurance shall be granted in any way a
less than board rates. or in any form not strictl,
in accord with board regulations.
No rebate, discount commission, abatement
\ pecuniary or other valuable inducement, shall
be paid or offered directly or indirectly to an,
insured person, firm or corporation, or to his o.
!, their agent, or to any person not authorized b!
? the terms of this constitution to receive it.
B For each violation of this section the penalt,
, shall be the cancellation of the policy o.
Z policies, and prohibition to write or plac,
: within one year the risk or risks covered. Owe
and above the penalty provided the rate or rate
: affected shall be Immediately increased to tn,
extent of Is per cent. This increase to apply tt
: all of the policies thereafter issued.
, Compensation is limited to agents ant
4 members and must be only on commission
not to exceed 15 per cent. A brokerage o
: 10 per cent on net premiums collected II
San Francisco and on interchange of bust
ness is allowed. When salaries are paid tt
agents they shall be passed only by the
secretary of the executive committee. II
Oakland, Los Angeles and Portland agent!
may be given an office by members of thu
compact, but clerks shall not canvass fol
insurance. Under the head of non-inter
course, section 5 of article says:
| No member shall permit any company unde