530 



INSURANCE. 



three companies which have made no scrip 

 dividends, two of them, however, paid cash 

 dividends of 5 per cent. In the aggregate of 

 the companies the net premiums are $5,290,968 

 in excess of the losses; in 1861 they were 

 $4,922,000 in excess of the losses, and in 1860 

 $1,872,000 only in excess of the losses. In 

 other words the losses have declined $3,891,000, 

 while the earned premiums have only diminish- 

 ed $472,000. The war has not apparently been 

 adverse to the interests of the New York com- 

 panies. In Massachusetts the reverse is the 

 case in some degree. The premiums have not 

 exceeded the losses to the same extent. The 

 risks and losses in Massachusetts have been as 

 follows : 



The losses this year as compared with the 

 risks are much greater than in 1860. The ma- 

 rine losses for the year 1862, including the 

 vessels captured by the enemy, were as fol- 

 lows : 



The trade and values transported on the 

 lakes were very large in 1862 by reason of the 

 turning of produce eastward from its usual 

 southern route, and that circumstance has 

 swollen the aggregate of inland transportation 

 risks. 



The fire risks for the year have also increased, 

 but, although there were three very large con- 

 flagrations, the aggregate of losses has been 

 less than usual. In the month of January two 

 large fires occurred in New York, involving a 

 loss of $650,000. In February, one in Boston 

 destroyed $1,000,000, and one in Bowling 

 Green, Kentucky, $1,000,000. In March, one 

 in Jacksonville, Florida, $500,000. In May, a 

 great fire in Troy, New York, destroyed 

 $3,000,000, and one in Brooklyn $300,000. 

 The aggregates of fires, for the year 1862, 

 amount to nearly $18,000,000, as shown in the 

 following summary : 



27 Clinton, N. Y. . . . 25,000 1 20 West Troy, N. Y. 30,000 



30 New York ...... 80,000 ! 26 Charleston, S. C.. 200,000 



81 Norwich, Conn... 22,000 29 H. de Grace, Md. 25,000 



Total $1,140,000 



Total ....... $1,021,000 



APBII* 



2 Detroit, Mich.... 

 3 Milwaukee, Wis. 

 4 Wash i ngton, D. C. 

 7 Blue Lick-Springs, 



Ky 



7 Collinsville, 111... 



9 New York 



10 Cherry Valley, 



N. Y 



14 Cooperst'n, N. Y. 

 80 Berlin, Wis. 



$90,000 

 25,000 

 50,000 



55,000 

 85,000 

 75,000 



200,000 

 60,000 

 80,000 



Total $620,000 



MAY. 



5 New York $85.000 



7 Glasgow, Mo 150,000 



8 Sandusky, Ohio . 85,000 



OCTOBEB. 



1 Newark, N.J.... 



8 Winchester. Mas. 



4 Fulton, N. Y.... 



6 Syracuse 



8 Oil City, Pa 



8 Jamestown. N.Y. 

 10 Hawlandflar, Cal. 



jlO-Troy, N. Y 



Ill St. Paul, Minn... 

 ill Chambersb'g, Pa. 

 12 H. de Grace, Md. 

 14-Newark, N. J.... 



22 Boston 



23 CharlesCityJowa 



(24 Acton, Mass 



25 Houston, Texas.. 

 26 Trenton, N. J. . . . 

 27 St. Louis... 



$25,000 



20,000 



250,000 



150,000 



100,000 



25,000 



100,000 



20,000 



22,000 



200,000 



60,000 



20.000 



0.000 



80,000 



24,000 



60,000 



100,000 



150,000 



