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CONTAINING A DIGEST OF THE STATUTORY REQUIREMENTS IN THE
UNITED STATES AND CANADA RELATING TO FIRE INSUR-
ANCE COMPANIES AND AGENTS, WITH MANY

QUOTATIONS FROM THE STATUTES

ALSO A COMPILATION OF

COUNTY AND MUNICIPAL TAXES AND FEES

REVISED TO AUGUST 1, 1913.

Price $5.00 per copy.

1913
THE SPECTATOR COMPANY
CHICAGO OFFICE :

135 WILLIAM STREET,
INSURANCE EXCMA MOE.

NEW YORK

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PREFACE.

In order to aid company managers, general agents and special agents wishing to quickly ascertain the essential features of the laws of the various States and Territories relating to fire insurance companies and agents, and the conditions under which they may transact business, without their being obliged to delve into the voluminous, scattered and too frequently unindexed laws of the respective States and to help them to obtain the information in the most compact, readily available and convenient form possible, the publishers undertook, in 1901, a systematic compilation of the statutes relating to some thirty topics of general interest, copiously indexed, and issued the result under the title of "Fire Insurance Laws, Taxes and Fees.” That the work met a recognized need was manifest, and the subsequent annual volumes, improvements on the first, were accorded a cordial welcome by the underwriting fraternity. Following the adjournment of the various State and Territorial Legislatures, we present the thirteenth annual volume, and trust that it will be even more serviceable

to fire underwriters than its predecessors.

The current volume contains many more pages than that for 1912, this material increase in size having been necessitated by the considerable number of new laws and amendments enacted in 1913 by the legislative bodies of the

various States and Territories. The volume of legislation was also excep

tionally heavy in the four preceding years, so that this book is now materially

larger than in earlier editions.

The statutory requirements vary so much in the various States that, if the underwriter can have their tenor conveyed to his mind in a few words, there is a saving of time and trouble. There are many of the statutes which are so free from the possibility of misconstruction that they can be digested with little likelihood of deviation from accuracy. These have been briefed down in

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