Mr. Ernest Titus,

Buffalo, New York. Dear Sir:

The following policies, covering contents of your various barns, have not been returned to our office for substantiation of form and rebate:25

These policies expire May 23, 1901. The total insurance on your carriages, horses, etc., is
100 $30,000.

Will you kindly look up the above mentioned policies and send them to our office at your earliest convenience, so that we
125 may adjust the rate and form?

Yours respectfully, (133)

Mr. A. M. Hawkins,

Kansas City, Mo. Dear Sir:

We have the following insurance expiring in January, covering merchandise belonging to C. J. Kellogg Co:

" 16 - London & Lancashire         1,000

" 17 - Williamsburg City               1,500

We enclose a memorandum and shall be glad to hear
50 from you before the expiration of these policies, and to receive your order for renewal.

The rate this year figures $2.12. When
75 the celluloid company has moved out five cents reduction will be made, bringing the rate down to $2.07. This increase over
100 last year is due to the addition of a location charge of 64c. The location charge was adopted last January, shortly after your policy
125 was written, and provides that the firm on the second floor shall pay four cents, third floor, nine cents, and so on, always paying the
150 square of the floor. As you will see, you being on the eighth floor, are charged 64c.

You will notice from the schedule
175 of rates which I enclose that the celluloid company is marked as a 15c tenant. The next most hazardous tenant in the building is the
200 saloon which is a 10c tenant, so that you see the net reduction by the celluloid firm's moving out will be but five cents.225

Trusting this explanation makes the matter clear to you, we are

Yours respectfully, (238)

Mr. John Jones,

Pentwater, Mich. Dear Sir:

We did some business with you last May under our then name of C. D. Arlington & Co., insuring some houses and barns
25 for Miss Carrie E. Brown. We should now like to make some inquiries regarding the insurance on some other houses which are within your territory,50 as follows :

A small frame house known as the "Henry House," situated on lot 4, block 6, Brown's Addition to Pentwater,

A small brick building
75 used by Pentwater

storekeepers for storing oil, situated on block 9, Brown's Addition to Pentwater,

A warehouse building on fractions of lots 2 and 3,100 block 4, Village of Pentwater,

A dwelling house covered with sheet iron, on lot 1, section 24, near the Village of Pentwater,

A frame barn
125 known as the "Brooker Place," near Pentwater.

Please investigate all these, and give us the approximate insurable value and also rates on the same, and
150 let us hear from you at your earliest convenience. This is all the property of Mis
9 Carrie E. Brown.

Is the town of Whitehall within
175 your jurisdiction? There is some dwelling property situated near there which we wish to insure.

Yours very truly, (193)

Mr. A. D. Barber,

Phoenixville, Ark. Dear Sir:

As we wrote you some days ago, the Norwich Union Fire Insurance Co. of England, has ordered its policy 30,040,25 covering the building 451 Monroe Street, canceled.

We have had the amount replaced; but the new policy has not been written for
50 the reason that since the policies which we sent you were written there has been an additional charge put upon the building by the Board
75 on account of electrical defects and other condition charges, of which fact the tenants have been notified. We were informed that the improvements are being
100 made.

We wish to avoid, if possible, writing up this new policy for $2,500 at a higher rate than will be
125 in force after the improvements are complied with; but as the Norwich Union are very urgent

in their demand for their policy, to which they
150 are entitled, we have to request that you kindly forward same to us in order that we may surrender it.

If we find that
175 the requirements of the Board will take some considerable time, we would advise you to have a new policy written up, with the idea of getting
200 it rebated when the requirements are complied with.

We have had a great deal of trouble with the rate on this building, and trust
225 you will recognize the fact that we are doing the best we can under the circumstances.

Very respectfully, (242)

Mr. James O'Farrell,

Chicago, Illinois. Dear Sir:

Your company is one of the number which we are using in writing up all the business of the American Tin Plate Co.,25 the American Sheet Steel Co., the National Steel Co., the American Steel Hoop Co., and the American Can Co.

The last named organization has several
50 factories on the Pacific coast. We think that there is a rule among the companies represented on the Pacific coast, which prohibits the payment of commission to75anyexcept resident agents in that territory. Non-resident brokers and agents are not recognized. Unless this rule is changed, the entire Pacific coast business, amounting
100 to about $3,000,000, will be lost to the insurance companies doing business there.

What the Pacific coast agents should do is to pass
125 a rule similar to one in force in Pennsylvania. The Pennsylvania agents allow commission to non-resident agents on the business of nonresident corporations.150

Ours is not the only business that the California

agents are about to lose, unless this rule is amended.

All of the above organizations are,175 of course, non-resident corporations so far as the California agents are concerned.

These large combinations of capital have come to stay; and the agents
200 on the Pacific coast, as well as elsewhere, might as well recognize the fact that the business, so long as it is insured at all,225 has got to be handled by some one concern, and that no one is going to handle it without receiving a commission for it.

Won't
250 you use your good offices with your Pacific coast manager to see if this rule cannot be amended ?

The arbitrary and ridiculous ruling of the
275 Insurance Commissioner of Ohio, which prevents writing anything except specific policies on the manufacturing plant, prevents our obtaining proper indemnity for our clients even at
300 the advanced rates. This has necessitated the trusts' making arrangements to place the entire Ohio insurance with a foreign syndicate, where it can be placed
325 under a blanket policy with an eighty per cent clause and a pro rata clause, which they are perfectly willing to use.

Unless the California
300 agents can be brought to their senses, it will be necessary for us to take the same action in regard to the Pacific coast business.375 We dislike exceedingly to have anything of this kind happen. For the reason that we are firm believers in the local agents' rights, it has
400 always been our endeavor to share the business of this nature, which we control, with them.

A letter to your Pacific coast manager would probably
425 be of considerable assistance in bringing about the desired results.

Yours very truly, (438)