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LXVIII

Table 24—Ratio of Expenditures to Income, Losses to

Premiums, and Expenses to Premiums and Income

Table 25—Risks in force, Risks written, Premiums

received, Losses incurred, with Ratios

Table 26-New Hampshire Business, Risks written,

Premiums received, Losses incurred and paid, with

Ratios.

Table 27–Detailed Statistics of Fires in New Hampshire

during the year 1894

LXXII

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REPORT OF THE INSURANCE COMMISSIONER.

STATE OF NEW HAMPSHIRE.

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INSURANCE DEPARTMENT,

CONCORD, May 1, 1895. To His Excellency the Governor :

The twenty-sixth annual report of the insurance commissioner for the year ending December 31, 1894, is herewith respectfully submitted.

FIRE INSURANCE. The following changes have taken place during the year: three companies have withdrawn from the state, viz.—The Massachusetts Mutual, Dwelling House of Boston, Mass., and the Guardian of England.

One of these, conducted on the mutual plan, possessed a guarantee capital of $200,000. The Guardian withdrew from the United States, and the two Massachusetts companies, both solvent, discontinued the transaction of business, reinsuring their risks, respectively, in the Fireman's Fire, and Springfield Fire & Marine Insurance Companies of Massachusetts.

Three companies, all conducted on the stock plan, were authorized to do business in the state during the year; they were the Merchants' Insurance Company of New Jersey, the Agricultural of New York, and the Williamsburgh City of New York. The aggregate capital of the three companies withdrawing was $700,000; that of the three companies taking their places was $1,150,000; so the change has not been to the injury of those seeking insurance. Three domestic companies, conducted on the mutual plan that had temporarily suspended in 1893, resumed the transaction of business July 17, 1894. These were the

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