THE

INSURANCE

YEAR BOOK.

1894-95.

[LIFE AND MISCELLANEOUS.]

(TWENTY-SECOND ANNUAL ISSUE.)

CAREFULLY CORRECTED TO JUNE 15, 1894.

Price $5.00 per Copy.

1894.

THE SPECTATOR COMPANY.

95 WILLJAM S☞rect, New YORK:

Entered, according to Act of Congress, in the year 1894, by THE SPECTATOR COMPANY, in the Office of the
Librarian of Congress, at Washington, D. C.

Covington's Bureau of Insurance Information proposes to furnish to subscribers:

(1) Information as to the financial standing of insurance companies (stock and mutual) and Lloyds associations.

(2) Advice as to forms of fire, life, marine, accident, employer's liability and boiler insurance policies.

(3) Suggestions in a graphic form as to how to avoid fires and reduce insurance rates. (4) Information as to what to do after a fire or accident and how to adjust a loss.

The number of insurance (stock and mutual) companies and Lloyds associations is so large that a daily examination is required to keep one informed as to their financial responsibilily; and the terms and conditions of insurance policies are so intricate that none but an expert can properly interpret them.

Suggestions will be forwarded to all subscribers calling their attention to certain features of insurance policies in order that they may know whether or not their policies are properly written. If desired, explicit instructions will be given.

Annual fee for membership, which includes the regular publications issued during the year, Ten Dollars.

JOHN I. COVINGTON.

GERMANIA

Fire Insurance Company,

62 and 64 William Street, corner Cedar Street,

Hon WM. E. RUSSELL, Attorney, Ex-Governor of Massachusetts.
FRANCIS PEABODY, JR., Attorney and Counsellor-at-Law.

FRANCIS B. SEARS, Vice-President Third National Bank.

I. G. BURNHAM, President Boston Associated Board of Trade.

Hon. JOHN J. HAYES, of John J. Hayes & Co., Importers and Commission Merchants SAMUEL CARR, Trustee of the F. L. Ames Estate.

OLIVER H. DURRELL, of Brown, Durrell & Co., Importers and Manufacturers.

JAMES B. CASE, President National Bank of Redemption.

CALEB CHASE, of Chase & Sanborn, Wholesale Tea and Coffee Merchants.

JAMES A. HOUSTON, of Houston & Henderson, Importers and Dry Goods Merchants. THOMAS L. OBRION, of OBrion & Russell, General Insurance Agents.

Assets to policyholders, June 1st, 1894, exceed $1,500,000.

DIRECTORS.

SILAS PEIRCE, Pres. Boston National Bank.

NATHANIEL J. RUST, Pres. Lincoln National Bank.
JOHN SHEPARD, of Shepard, Norwell & Co.
B. F. DUTTON, of Houghton & Dutton.

JOHN A. PRAY, of John H. Pray, Sons & Co.
OTIS D. DANA, Pres. Dana Hardware Co.

FRANK H. MASON, Treas. Boyd & Corey Boot and Shoe Co.
JOHN S. MURRAY, Ass't Treas. Wakefield Rattan Co.
JOHN C. RANDALL, of John H. Pray, Sons & Co.
JOHN OSCAR TEELE, Attorney.

CLARENCE H. HAYES, of L. Burge, Hayes & Co.