iMAGE EVALUATION
TEST TARGET (MT-S)

1.0

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Corporation

23 WEST MAIN STREET

WcBSTcS, N.Y. t4580

(716) 872-4503

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B Y E . L A \V 3

K E G I I A T I N S

OF TUB
BROCK DISTEiCT

MUTiAL FIRE INSURANCE SOMPANY,

WOODSTOCK, UPPER CANADA,

AS APPROVED Bf

THI BOARD or DIRECTORS,

WlTB

TB^Hirr or zHSim^AXvoA

INCOBPOftATBU BT ACT 07 PAtLtAXBHT.

WOODSTOCK:

MBNZIB'^ & WALBSB, PBINTXftS

18 4 0*

;

mmm

WHm

OffFlCERS

Of TBI

€ o til pftny,

For the Year ending June, 1841.

DIRECTORS.

xHE HON. P. B. de BLAQUIERE, Prwidbnt.

R. RIDDELL. JOHN ARNOLD,

JAMES INGERSOLL, ELIJAH NELLIS.
HENRY FINKLR, JOHN GREIG.

H* C. BARWICK, Smetaryand Trmunr.

..sU

t>.

Hwa

mmmm

■■an

CYE-LAWS

or THE

BROCK DISTRICT

MJmjAL FIRE msURANCE COMPAKf,
WOODSTOCK, UPPER CANADA.

ARTICLE I.

^a^mh^Tha tnnual meeting of tho Company ijr
the electiott of Directors, and when the affalra of the Com-
pany will be submitted, shall be held on the first Monday
m June, the day appointed by law, at ten o'clock, A M
at such place in Woodstock as the Directors for the time
being may order 5 notice of which shall be given bv ih«
Secretary, or, on his failure, by the President, stating iho

Jw ilT' ^""^ ® •'^? ?^ ?^** '"^^'^"g' ^y publicltioa
three weeks successivsly in the newspapers printed within

the District, the last of which publications sliaU be nt lewi

tea days provioiw l(? the time of holding said meeting.

Sect. 2.--Whenever, in the opinion of a majority of the
who e board of Direciors, the interest of the cLpany
than require it, or when thirty or more members of the
«aid Company shall apply to the Directors, setting forth,
fa writing, left with the Secretary, the purposes for which
a meeting is desired, especial meeting of the Company
may be called, to be holden al Woodstock, and notlHRd in
ine manner aforsesaidt

1 ]

il I

1 1 I

Secf 3 -At efery meeting of tlie Company, the Pr^

T.t Thi eTe°l on 'of Dire ore shall be by ballot, a. -
1 lot reJSfre All o°her questions may bo deter.T.med
ly vo^g in such way w Iho majority present may thmk .
proper.

ARTICLE II.

Sect 1 -Noliee of asseMmonta shall be given by the

District three weeki successively, the »»*.P"1"T' ,; "*
wtoTshaM not be less than .'»" V'JheCeU°p per a^
fixed for theit payment, and. n such »'''" "S^ The
the Directors may deem "^cessarx ot exped'ent. in
nirectors may also cause such nouc* Jo be P"""'"'" ""

Smc 2— I« order that Aero way not be mote than
.=.mAni in anv vear, and that such assessment may
Tpa ; rarK";rof the Company, the^Di^c.
tors are authorized, in case of any loss or damage by fire,-
lo borrow such sum or sum. of money as may be requif-
?d to meet such loss or damage , and io makmg the att-
^ual assessment the i.;terest accrmng on m^nfy ^'^ «>«f*>
Md abo all incidental expenses, shall be mcludedm iuch

Mte«n»o.. j^RTICLBIIL

San 1 —The Company will make InsHtance for the
torm of three years; and the amount of the premium note
or "urn to be d^osited for the insurance of any building
Shall be according to the hazard of such building, or the
Sanger to vvhich It may be exposed to loss or injury »;
fire • taking into consideration the materials of which it «
composed" the manner of iu construction, the purposes
for which it is used, its situation as W other buildings, and
all other circumstances affecting its tuk.

Sect. 3._In8urances shall not be XMdo to a 8«*'«'
amraount than £1,500, on any one risk.

tiy, the Pre
senior Direc--
chairman be
I by ballot, aa
iG determined
nt may think -

I given by the
printed in the

publication of
ioT to the time
Qewspapera ••
pedient. The
)e published in

may direct, .

be more than
ssessmenl may
any, the Direc*
lamage by fir©*-
may be require
making the an-
loney borrowcd»
iacluded in auch

Mttrance for the
le premium note
of any building
building, or the
)ss or injury ly
i\a of which it ia
fn, the purposes
er buildings, and

ide toa grfi^tei

i^eet. 5.— Tn eases \vhen no perwanent lien can be
created, as on household furniture merchandize, &c.,
the Directors may require an indemnity in lieu thercoff
by^an approved surety oa the premium note.

Sect. 4.— Not more than two- thirds of the estimated
yalue of any building shall be insured by this Company.

BYE-LAWS OF THE DIRECTORS.

ARTICLE L

Seet 1.— Fife per cent, of the preminm note shall be
paid and endorsed thereon at the time of eflecting the
insurance; 5s. for the survey, 5s. for each policy and
8f. 6d. for each renewal of the same.

Seei^ 2.<— If insurance be wanted < on more than one
building in the same policy, the amount on each must be
named ; also the amount on furnituret goodij grain, dsc.
' 4ee. muat be separately named.

ARTICLE IL

Sect 1.— Every person wishing to become a mfember
of this Company, shall previous to being intured, deposit
his application and premium note with the Secretary of
aaid Company, and if approved by the Directors, as afore-
said, the policy shall bear date on that day, and take effect
at noon, unless directed by the applicant to be dated on
another day.

ARTICLE in.

»vwuj/j i — a;. isnMii E?c illc uuiy vt iiic JLicasuicI iw ivwCiTC

and keep for the use of the Company, the premium noleg
and all monies which may be paid into his hands, and pay

ou. U.= ^«7„^>; - ^^li'^.pofu^ duties onus onkc.
>vriling. And beloro euicia.fe irj-innf) to ihc satisiac-
1,0 shall give Bonds *" ' ^Xec o1 and h sUll m.ko
tion of Iho ma only of '''° ^'V''f,°'i! "" „,„ at each an-
rcpott in writing f J^e s Wre ortl, any toe when re-
flua meeting, and 1° "i" M t ,i • „ f^r lii? sorvioej
lirod therefo by them, and shall receive for his service,

such sum aa the Directors shall direct

Seel 2— It shall be the duty of the Secretary to keep
faiffnVcorrect records of^athe^^^^^^^^^^^^^^

vcd, and shall make and preserve »" "= ' , ^^

and transfers, which are or ">ay '^."^^^'^"y 'j 'ier7or,a
and preserved in ^js o<B-, and also to do a d^ perfo ^ ^

al! other acts required ot him b> ^>""« vprpivo 6uch
incorporation and By-Laws and shaU -ce.v.^.^_^
sum or sums for his services as me ^^^ ,,^,,

rectors shall appomt, and shall before ^^o^"';'-. ' .^^^ ^
duties of his office give Bonds in the sum ot i.lOUU, tu
tl.u satisfaction of tho Directors.

ARTICLE IV.

.^,ct 1 -..\pplicatIon for Insurance on at least £25,000
.hal be received examined and approved by a majon ty
of the Direc^rs, before they .hall allow any policy to b.
issued,

S.o(. 2.. -Each <!e?osit note shall be "'^^-^^y ''^'J
Treasurer thirty days after the expiration of the term oi
^rraace namJd in\i>e policy for which it was g.ver.,^nj

until the amount of all losses and f P'^^f^^^':'''"^'^.,"'^
have accruea during said term shall havo been asccrtamta

Ktid paid.

• r y-< ▼ T^

Aii i i^-i-*^ * •
a,rt. 1,-Whenever any member of this Company sMJ
alienate or .ell any house or building insured, he n>»y

Directorn, Tti
8ofhi3oiricC|
I ihc satisiac-
\Q shall make
y at each air
ime when ro*
ir his sorviccj

eiary to keep
dings of tkR

file and keep

to be preser-
Is, surrenders,
•y to be made

and perform
of the Act of

receive such
dent and loi-
ters upon thf!

of i:iooo, tu

least £25,000
by a majority
y policy to be

stained by the
of the term of
was given, and
3S which may

3en ascertained

[Company shall"
jured, he may

surrender his policy to the Secretary, with a request
aignod by him to have tiic'samo cancelled, together with
a certificate of the Town Clerk, or of the agent oC
the said Company in his vicinity, or of some other per-
son knowing the fact, and the Secretary shall enter the
same on record as cancelled, to take efTect the day the
same slmll bo received by him ; pnd in case one build,
ing only is alienated or sold, whero others are contained
in the same policy, siaid policy may bo surrendered aa to
that building only, and to take effect on the day it shall
be received by the Secretary, and the amount of prem-
ium on the said building so sold, shall be endorsed after
thirty days from the date of surrender, on said member's
premiuQfi note, or such portion thereof as shall not have
been paid or expended.

Provided farther^ That whenever the grantee or alienee
shall procure an assignment and transfer of a policy, when
ho shall have purchased the whole property insureJ, and
shall within thirty days from the day he purchases the
$ame, forward the said Policy and Assignment to the
Secretary, he may have the same confirmed and ratified
to him ; and when said Assignment shall be approved by
the Directors, as aforesaid, the Secretary shall record the
same, and the confirmation thereof by order of the said
Director, when the said grantee or alienee, shall have given
satisfactory security for the payment of tiie residue of the
prenuum note given for the said policy.

Sect. 2. — Whenever any member of this Company, who
has an insurance on goods or other personal property
only, shall bona fide alienate or sell out said goods or
other property, he may have the same privilege of surren-
dering his policy, and under the same regulations as if his
policy was on buildings, and have the same cancelled ;
and when goods, or other personal property, are insured
with buildings, and goods, or part are sold, said policy
may Lc canccllou as to that purt only, uuuCF the Saine iq^
gulations as mentioned in the preceding section.

Sect. 3 — VVh&never any alterations, or additions, or
change of occupants, shall be made to any building inaur-

:^arrS':;Mforw«d the ..e a^_ ,

■B «atement of said applicant, by »>"" «'g"«^^' *» '"If,?^.
,,*y,wt.osh«l.sabmit^he.ametoth^

tlh'prove.l i or said application may be ™*"* " " , , n
di the Secretary, and when approved, the S^c'etary sM

*Merdn record of said policy, ']''>"*'^.'nf„ hereof -bSt
Wered, and rettirh to the insured a "^''S^f ^ '''.^'^ue"!
Tft titisc the Agent or Secretary, shall J."f g« ™»'f «'J Xll
^tto-ris or adaifions, do increase the risk, then they shall
Wy ho* much, & take an additional note for sBch .ncieased
.r!^,.S«d v/hei approved by the Directors, as aforesaid
%* Secretary shall entdr a minute thereof, oi. 'h« «=» ^
of said^ policy, and fonvard to the insured a certificaie
iheieof. 1

^JSec(. 4-Whehevir any one, hereafter ™»;«^'j''"'^
alienWB conditionally, by morigage, his .Pol'°y^ha ' be
S.dntess he shall mike a representation thereof in
'WW he to the Directors, stating the amount and to whom
■hioSd, who shall have power to give their assent to
SdSage. « to cancel said policy, as they shall judge
proper on examination of the same. ^

'''SfC*. 5.— When buildings are mortgaged at the time
^HheVare insured, the mortiagee may have the policy a^
signed to him on his signing the premium note, or givmg
t^urity for the payment of the same. ^

^Sect 6.— Iti» hereby provided, that in ease nny build-
,4„r4ood, or other property insured by said Company

SlebBned or dm{,agrd, the Dit^'^t-'/l. ^y '*.';™''',f

rnXiottal Kcurit, for^he payment of the dap"^' n»te

Xen for the insurance of said property, by the insured

oriewisitinK with the Treasurer the amount that shall te

■ Sunltia on said note, which deposit shall consist of a

:SX insujancemoney.due said. nsured,^ tote «^

7^ glicy, 'wheTth; rrrd^htrhrve t-he-right to

- ae-Sinffreceive such part of the said sum depositod

™ not been expended in losses and assessments ; and

I * «

ihi

sii
nc
af

si
ir
bi

it ia the town or
whether the same
•d the same, and
ed, to the Secre-
lirectors for their
de to a Director,
B Secretary shall
me is not endan-
cate thereof; but
ye that said alter-
^ then they shall
or sttch increased
}rs, as aforesaid,
lof, oii the record
ured a certificate

er insured, shall
is policy shall be
taiion thereof in
ount and to whom
ive their assent to
IS they shall judge

raged at the time
iave the policy as-
nm note, or giving

in case nny build-
by said Company
itors, may demand
of the deposit note
ty, by the insured
lount that shall re-
it shall consist of a |
1 insured, to be re-
:.^i:rxn r\r thf^ term

I have the right to
said sum deposited
I assessments ; and t

'it shall be the duly of the Treasurer to ^^ay t^^m^ aftef
tkir t J day s from tho expiration of his said ppl^y..

Sea 7 -All persons insured by thfs Gpmpany, f\)?^
sustinin lofs or'damage by ^re, arejarth^^^^^^ ^
„ntifP thereof to the Company, and, witmn iniriy nays
^fter said P s, to deliver in a particular account of w*
o^s or daXge, signed by their o-^^^^^^
Kx/ their okahor affirmation; and also, it Wirea, 07

all claim, by virtue of his pohcy. ... -:■■.> -^ ^ -

ARTICLE Vr. ■ " ■ '

^.rf 1 -There shall bo a regular meeting ofthe pirec-
Jst the Se^etary's Office^ on tl. Firat Saturday ot
Ue^y month, at 10 of the clock, A. M.

«..; 2 — Anv two of the Directcra may direct the
siretarv to call^ a special meeting of the B9"d_; and m
hfrabsJIcl: may notify the other Directors of sa.d special
meeting.

Sect 3 -The sum of 7s. Cd. per day shall be allowed
tofa^ Director, attending at th^ hour^a^pomted, and 4d.
per mile for travel each way.

I Sect 4.-A11 orders on the Treasurer for such sums as
.hall be allowed by the Directors, shall be signed by the
ite dent or Chairman ofthe Board, and countersigned
ir the Secretary ; and the Treasurer is directed to pay
all such orders.

ARTICLE VII.

Sect. l.-No furniture, usually denominated fixtures,
marhinerv or other legal or constructed immoveables,
macninery, or "i»«\ /. 6 u.uu^ u^\a *<^ h« insured, or
contained in any i^^'ia^^S' ^"^ u"'' ""C^Lrnn^wiv buid-
as accessary to the same ; and the insurance on my &ui a

iog ibatt &ot be held to include eny thmg outttde there oft

tuch at galleriesi |iorches> Apparatus^ sheds, or other
buildings, except the same be specially valued in the
oolicy,.but to extend to verandahs around dwelling
houaet.'

Sect. 2.— If any buildings, or other propefty, insured al
this ofiice shall be described in the application of the at*
sured as being less hazardous than they really are, such in*
aurance shall be void and of no effect, whether said build-
ings or property may have been visited by any member*.
oiScer, or servant of this Company or not.

Sect, 3. — ^The following to be eonsidercJ aa hazardous*
and doubly hazardous riaksi viz* :—

Jici^iardovs. — Apothecaries, blacksmiths, boat builders,
brewers, booksellers' stock, dyers, druggistt, earthenware,
china, and glassware, in packages, groceries, jewellers,
oil, pitch, printing-offices, sail makers, spirtluous liquors,
saltpetre,, sulphur, tar, and turpentine.

Doubly Hazardous.-^k<\\infotii9t other, bams, bake*
houbos, coach-makers, cabinet-makers, carpenters, chair«
makers, coopers, chemists, ship and tallow chandlers^
charcoal, distilleries, earthen and glassware retailers,
founders, fodder, flax, grain unthreshed, gunpowder, hay,
hemp, joiners, lime unslacked, an.d other articles becom*
ing spontaneously ignited or combustible, musical instru-
ment makers, oil mills and machinery, and all manufac-
tories which contain furnaces, ovens, coakles, kilos,
stoves, or otherwise using fire-heat, malt-houses» potash
works, rope-makers, stables, straw, steamboats, ships, or
vessels, in harbour, or building, sugar refiners, tobaceo
manufactures, theatres, and all trades or occupations
using or occasioning lire*beat, shavings, or combustibles.

Sect, 4. — Goods not hazardous are such as are us-
ually kept in hardware and dry goods stores ; cotton in
bales, coffee, clothing, jlour, household luriniure, indigo,
potash, rice, sugar, and all other articles which are not
combustible.

otttttde thereoft
sheds, or other I
valued in the i
rouad dwelHng

terty, insured fit j
ation of the &•• 1
illy are, such in^ |
ither eaid build-
»y any member*.

^Jasha^ardous*

s, boat buildere,

te, earthenware,
eries, jewellers,
triiuous liquors,

r, bams, bake*

irpenters, chair*
illow chand!«rei
sware retatiera,
junpowder, fiay,
' articles becom-

musical instru-
nd ail manufac-

coakles, kilos,
lt>bou3es» potash
Tiboats, ships, or
cfiners, tobaceo

or occupations
or combustibles.

sueh as arc us-
tores ; Gouon io
iurtiiiure, indigo,
8 which are not

Sect* S.<— Goods held in trust or on commiasioo, must
be insured as such, otherwise this policy will not cover
such property.

Sect, 6«— Jewels, medals, plate, plaled-ware, pictures,
family paintings, sculpture, or musical iostrument^, are
not included in any insurance, uoless such articles are
specified in the policy.

Sect. 7.— Books of accoiinf, manuscripts written se-
curities, bills, bonds, tallies and gunpowder, are not to
be held insured by any policy granted by this Company.

Sect, 8^— No claim will be allowed for loss or damage
by fire, occasioned by the invasion of a foreign enemy,
insurrection or civil commotion, or any military or usurped
power, nor the damage done by fire occasioned by the
burning of the forest woods, or by the clearing of lands
in the country ; nor will the Company be answerable for
any loss, or damage by fire that may happen to any hay,
corn, seed, or other properly by natural heating ; but
the Company will make j^ood losses on property burned
by lightning.

Sect.* 9.-^In case the buildings, or other property here-
in mentioned, have been already, or shall be hereaher in-^
sured by any policy from this office, or by any other In-
surance Company, or by any private insurance, such
other insurance, must be made known to the Company,,
and mentioned in, or endorsed on the policy, otherwise
the policy to be void.

Sect, 10;— That all policies bebngin(» to members who
shall neglect or refuse payment of their annual asses^
sments or dividends, at the time prescribed by law, and
the bye-laws of the Company, and after notification shall
have been given to that ellect by the Treasurer, accord-
ing to said bye-laws, shall be suspended, and shall uo of
DO valiM to such member, or members, who shali be de-
prived of all the privileges granted by virtue of tiie sauir^
until sueh time as such assessment or dividend to cie«
dared shall have been paid, either voluntarily on llr; on

«f the atsessei, w by the eemnio* couMe of law, and
8u?h^nS. shall 7ot be indemnified for any loss ih.t
fhey mavhave suffered daring 'he »a«pension of wch
oSfcv bit all Mch members shall be boimd and held to
ffibute to the payment of all losses suffered oy other
members of the Company, the same as though said su.-
pension of said policy had not taken place, until tk« ex-
piration of the same*

SecL 11.- When property insured !• only F^';'**"^
dJimatedJnoabandonm^^^^^ of the same shall be allowed
tZtly consent of the Company or its agenU and ,a
ca e of the removal of property, to escape conflagration,
fhTcompany ^vill lateably'contribme to ihe low and W
pense attending such acts of salvage.

Sect 1^— When loss or damage upon any wal proper-
ty insured bv this office shall have been sustained, it wiM
IVcptionalVith the Company to pay or make good such
loss or damage, either in money according to the sum
nsurfed, or by rebuilding such real property, and rem-
Itatine the assumed therein, or by repairing the same,
aceordiDK to the circumstances of the case, and with all
due di i4nce, without being held to make any compen.

oon-enjoyraent in the premi«es*

i '.

•» ', «.

I »»

'^
i

u- ...,■'« 5 ■. ■ * '

TARIFF

f !&w, and
y loss th»t
on of such
ind held to
d by other
h said 8Ut»
Qtil Uie ex*

1y partmlly
be allowed
ent ^ and in
onflagratioOy
toM And M*

wal proper*
iined, it will
ke good such

to the sum
:y, and rein*
g the «amey.
and with all
any coinpen-

for reot| or

xtATSS OP xnrsimANOB

fOftTRK

BROCK I>I STRICT

MUTUAL FIRE INSURANCE COMPANY,

WOODSTOCK. UPPER CANADA,
FOa THRB8 YEAKS.

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:«

FIRST CLASS.

M. !•— BuiWingaof stone or brick, «u>piil|
with metal | tio hazardous trade or Oe*
cupation, or hazardous goods allowed
theiein; isolated and out of danger
fn>m all o4her buildings, and not having
lM»odcB porches or covered galleriea
connected with ottwr buildings; or
when not so situated, securely protec-
ted by iron doors and shutters, so as (O
be equally isolated, (Sz in other respeett
protected from external danger; and
where neither fire nor lights -are used.

No, 2.— The same kind of buildings where
fire or lights n.re used.-... •• •••••••

tected as above, but distant from wood-
en buildings, so as not to be endanger-
ed by th^m ••■•••••••••••••*•••••

P€T Cent.

Per CtnL
No, 4. — When in uDfavourallo situations, or
endangered by wooden buildings, or in
very Darrswstreets*... •••••• ••«••• 5 to 7

SECOND CLASS.

JS% 1.— Buildings of stone or brick, covert
with wood ; no hazardous trade or oc-
cupation allowed therein ; isolated from
all other buildings, and not having
wooden porches or covered galleries
connected with other buildings....... 5^

^0, 2, The same when they adjoin first

class buildings...... P. 6

2Va. 3— The same when they adjoin second

class buildings... ••••••••. •.••.... 64

jVo. 4— The same endangered by wooden
buildings, or porches, or covered gal-
leries connected with other buildings •• 7 to 10

THIRD CLASS.

JVb. 1.— Buildings partly of stone, and partly
of wood, plastered inside and out, cov-
ered with metal, isolated, no hazard'*
ous trade or occupation, or hazardous
goods allowed therein. ••.••• •.••••• 5

JS'o. 2.— The same covered with wood..^««« 5|

iVa. 3.— The same in unfavourable situations*
covered with metal, gable walls of
stone or brick. ••.••••••. ••.•••••■ ^ to 7

No. 4,— The same in unfavourable situations,
covered with wood, gable walls of stono
orbrick.... •* 8 to 10

FOURTH CLASS.

No, 1.— Buildings wholly of wood; no hazar-
dous trade or occupation, or hazardous
goods allowed therein ; completely
i>olated, »Bd distant from all builciinga

•J

Per Crnt,

& to 7

7 to 10

»•

• 5

.• ;6 to 7

18,

» 8 to 10

ir-
us

'ly

6«

JPrr CfTtt.
likely to endanger them CO feet at

Ici9t •■••••*••••••••***•***'***"*

]Vi,. 2.— In favourable situations, but exposed
to risk from first or second class build-
ings •• ^*

Mo. 3.— Detached, but within from 40 to 60

feet of wooden buildings *

No. 4.— Detached, but within from 25 to 40

feet of wooden buildings. •• •.• *s

JV«7. 5.— Adjoining wooden buildinjjs on ono
side, and within a short distance from

the other VV»**"'"V ®

No. 6.— Adjoining and surrounded by wood-

en buildings • ^ ^^ IC

EXTRA RATES.

Over and above the foregoing ordinary Pr^miuma,

Firsihj,^When hazardous goods are deposlK
cd in the building, (wholesale establish-
ments alone excepted where no goods
are retailed,) such as pitch, tar, tur-
pentine, rosm, tallow, oils, spirituous
liquors, brimstone, sulphur, saltpetre—
upon the buildings and contents. . . . . -

fifecond/y.— When extra or doubly hazardous-
goods are deposited in the buildings,
earthenware, china, or glassware, or
packages, hemp, flax, uponbuildmg
and contents

>••••■••"•••••

rAird/y.— When the goods insured consist of
the stock of retail dealers in earthen-
ware, china, glassware, watchmakers
gold, or silversmiths', (jewellers' stock
not included which is special,) apothc-
caries^ druggist*', upn gOQd$ on^y ..

fA %

1«

U to 2

FwMr</i/i^.— When the goods insured consist of
ihe slock of retail dealers in oil, tallow,
ship chandlers, u^on the luilding and
conie^Uj ••••••••••••••••••••••"• •

Fifthbj.'^y^hQa the following trades or cccu*
pations are carried on, on building and
contents :

1. All retail ehopa, not before enumera-
ted, and boarding houses, also dyo
houses V.*",'

2. Sail makers, (no tar to be heated m inc
premises,) printing ofiices, hotels and
taverns, bakers,blacksmiths, tinsmiths,
armourers, and other smiths, .-•

S. Confectioners, cayniisls, hat manufac-
tories, rope-makers, (the tar house to
be out of danger and not insured,).. ••

4. Stables and barns .••....•••••••••

5. Carpenters, joiners, cabinet makers,
cooper?, musical instrument makerSf
and all other workers in wood, at their
wovkshop or manufactories ••••••••

6. Houses and buildings under repair,
or building where any wood work oc-
casioning chip, and shavings is made m
Iho buildings, or in any other way by

which it is endangered '••'•:•

7 Buildings of stone or brick, having the
partitions and ceilings of wood, to be
considered as an isolated wooden build-
ing, No. l,and pay accordingly .,..

8. Jewellers* stock special.

9, Churches, lowest rates of their respec-
tive classes, excepting when havn.g
gpires, and unprotected with metallic

Ter CenU

n to ^

2 to 3^

3
2

to
to

4
3

5 to 10

to 15

5 to 6

lightning conductors oi suflicient etU-

cacy, when the extra charge will be. .

10. For every additional tenant under liie

'gamo roof in first and second class

building»i«««« ■••••! •••■••••'•■•••

1 to ^

Ter CenU
of
w,
ind
... U to 2

;ra-
dyo

.. n to ^

the
and
tbs,
• •• 2 to Zk

if&c-

8 to

.... 3 to 4
... 2 to 3

levs,
kers,
Iheir
.... 5 to 10

pair»
i oc-
tde in
y by

.... n to 15 ^

g iha
^0 be
build*
.,.. 5 to C

Per Cent:
Do. Every additional tenant under the
same roof, in third and fourth claw
buildings, •••••••••••••••••••••"•• ^

11. When adjoining buildings are ex-
tra hazardous, an extra rate to be
paid, according to the situation of such
buildings, at the discretion of the Di-
rectors •••••••••••••••■•■■■****'* *

SPECIAL RATEa

Grist mills worked by water.. ...••••••••• l^Jo ^^

Saw mills, «<>•

Carding mills, oil mills, kilns, malt houses,

clothers' works, paper mills, •• • 1* to 30

Nail factories worked by water, • 10 to 25

Tobacco manufactories and India rubber do... do.

Breweries, (second class buildings one quarter

more than stone) • • 10 to 20

Distilleries, }5 ^ 2a

Soap and candle manufactories .........••• 10 to 20

Tanneries, (second class buildings, one quar-
ter more than stone,), ••••■•••• 10 to 20

Founderies .•..••...—..•.•.•«»• 10 to 20

to 2

!.«•••