400.00

....... 400.00
400.00

Hacks (passenger's risk included)..
Hansoms (passenger's risk included)
Herdics (passenger's risk included)..
Hotel Omnibuses (passenger's risk included) 400.00
Livery Vehicles, when in charge of employees

of assured (passenger's risk included)..... 400.00 Omnibus Lines (passenger's risk included).. 400.00 On passenger vehicles, except private

vehicles, a discount of twenty per cent from the premium will be allowed when the passenger hazard is not included.

Private Vehicles (not more than 10 horse power..

More than 10 horse power $5 for each additional horse power).

Undertakers' Carriages (passenger's risk included), and Hearses when in charge of employees of the assured

50.00

.. 400.00 Each automobile insured must be specifically described by its factory number and the name of the manufacturer.

PROPERTY DAMAGE.

Teams policies covering property damage may be written, in the City of St. Louis only, for an additional premium of $2 for each teamster. The property damage is limited to $5 minimum and $1000 maximum loss. The following is the property damage indorsement:

"In consideration of an additional premium of.. Dollais, being at the rate of .......Dollars per teamster, this policy with all its conditions and agreements, except as herein specifically provided, is hereby extended to cover loss from liability for damages to property of every description (property of the assured or the property of others while in charge of the assured or of the assured's employees excepted), resulting from any accident caused by the horses or vehicles owned by the assured and included in the schedule of this policy; but the Company will not be liable for more than $1000 on account of any such loss, nor for any loss amounting to less than $5.

THEATRE INSURANCE (for Halls and TheatreES).—The rates given below are for limits of $5000 and $10,000. Theatre Policies may also be written for the limits and at the rates given under the head "Rates and Limits," save only that no such policy will be written for less than $5000 and $10,000.

A first-class theatre or hall is one in which the following conditions exist:

(a) The external walls must be exclusively of masonry or metal and masonry. Plaster, stucco, and ornamentation on walls may be placed on furrings of wood, although metal is preferable.

(a2) All interior walls and partitions must be of masonry.

(b) The main floor must not be more than six feet above the street level.

(c) There must be exits from upper floors or galleries passing out therefrom directly through the external walls, or wing safety walls, with independent staircases.

(d) There must be an asbestos or fireproof curtain in front of the stage.

(e) There must be an automatic sprinkler over the stage.

(f) The performances given must be those usual in theatres proper and roof gardens, including dramatic entertainments, operas, concerts, and lectures given for two or three hours during evenings or afternoons. The rate for a theatre, opera house, or music hall in which all these requirements are satisfied shall be 15 cents for each seat on the main floor and in each gallery per annum, irrespective of the number of entertainments given.

If the construction is not such as to comply with requirement "a," 2 cents must be added to the rate. If the construction does not comply with "a2," "b," "c," "d," or "e," I cent must be added to the rate in each instance.

If the performances are "continuous," 2 cents extra must be added.

In towns of less than 40,000 population, the minimum premium is $100; otherwise $200.

HORSE SHOWS, ETC.-When horse shows, dog shows, bicycle shows and agricultural, horticultural or industrial exhibitions are given exclusively in halls, the premium shall be based upon the gate receipts, as follows:

For horse shows, dog shows, or bicycle shows.......one-half of one per cent.
For agricultural or horticultural shows...........one-quarter of one per cent.
Base ball parks....
............one-half of one per cent.

BASIS OF PREMIUM.-If any elevator or elevators are used they must be charged for according to the "Elevator Rates." Injuries caused to employees by horses, dogs or other animals are not covered by this insurance.

OTHER RISKS.-If the building in which a theatre, concert hall, or other place of public amusement is situated includes other risks, such as hotels, stores, or offices, the other risks must be charged for according to the "General Liability Rates,"

WORKMEN'S COLLECTIVE INSURANCE.-Workmen's collective insurance is accident insurance covering accidents of occupation only, except as hereinafter provided, and gives the following benefits:

(a) In the event of death within ninety days, a sum equal to, but not exceeding, one year's wages, limited to $1500.

(b) For the loss of two limbs or two eyes, a sum equal to the amount payable under the poliey at death. (c) For the loss of one limb, a sum equal to one-third the amount payable under the policy at death. (d) For the loss of one eye, a sum equal to one-eighth the amount payable under the policy at death, not exceeding $200.

(e) In the event of temporary total disability, a sum equal to, but not exceeding, one-half the weekly wages for a period not exceeding twenty-six weeks, such sum not to exceed $500 in respect to any one person injured during the policy year.

The "Workmen's Collective Rates' are for the foregoing benefits only, covering accidents of occupation, during working hours only.

If the benefits under clauses (a), (b), and (c) be reduced one-half, the rate will be 15 per cent less. Workmen's Collective Policies may also be written to cover the whole twenty-four hours, i. e., the exposure of the workmen to accidents while away from work as well as the hazard of his occupation. The additional charge for such a policy is 15 per cent of the rate given in the "Table of Liability Rates."

If full medical attendance is desired, 30 per cent shall be added to the rate given in the "Table of Liability Rates," whether the death benefit is one year's or one-half year's wages, save only that if the full twenty-four hours are covered 37% per cent shall be added to the rate in the "Table of Liability Rates."

EXAMPLE (1).-Pay-roll, $10,000; Table rate, $1.

One-half wages at death, 15 per cent discount from table rate.... .$ .85
Medical attendance, add 30 per cent to table rate..

Total rate..

$10,000 pay-roll at $1.15 per $100,...

.30

1.15 $115.00

EXAMPLE (2).-Pay-roll, $10,000; Table rate, $1.

One-half wages, 15 per cent discount from table rate..
Covering full twenty-four hours hours, add 15 per cent to table

rate..

Medical attendance, add 37% per cent to table rate..

Total rate.

$10,000 pay-roll at $1.37% per $100.

$ .85

.15
.37/%2

.$ 1.37%
137.50

When an Employers' Liabi ity and a Workmen's Collective Policy are written concurrently on the same risk by this company for the period of one year, and both premiums are paid fully in advance, a reduction of 5 per cent may be made on the employers' liability rate. On any Workmen's Collective Policy a commission of 5 per cent may be paid to the employer for collecting the premium.

If the assured carries a Workmen's Collective Policy payable in instalments, and also an Employers' Liability Policy on the same pay-roll, all instalments covering this period of the Employers' Liability Policy may be made at the end of the policy period.

In writing Workmen's Collective Policies for stevedores, not more than one-third of the weekly wages shall be allowed for weekly indemnity, and this shall be so written in clause E of "Special Agreements " of the company's policy form.

The rates for the varying benefits under a Workmen's Collective Policy are given in the following table: WORKMEN'S Collective RATES FOR Varying Benefits.

One year's wages at death (with) full medical attendance).

1.30

One year's wages at death (for 24
hours with full med. attendance) 1.52%
Half year's wages at death (oc-
cupation only)

.85

Half year's wages at death (for 24 bours)..

1.00

Half year's wages at death (with full medical attendance).

1.15

2.27% 2.60 2.92% 3.05% 3.25 3.57% 3.90

1.62% 1.95 1.90% 2 28% 2.66% 3.05 3.43% 3.58% 3.81% 4.19% 4.57% 1.06% 1-27% 1.484 1.70 1.91% 1.99% 2.12% 2.33% 2.55 1.25 1.50 1.75 2.00 2.25 2.35 2.50 2.75 3.00 1.43% 1.72% 2.01% 2.30 2.58% 2.70% 2.87% 3.16% 3.45 Half year's wages at death (for 24 bours with full med. attendance. 1.37% 1.71% 2.06% 2.40% 2.75 3.09% 3.23% 3.43% 3.78% 4.12%

TABLE OF LIABILITY RATES.

NOTE. Wherever the words "Employers' Liability Form," "Employers Liability Manufacturers' Form," "Public Liability Form." ""Public Liability Contractors' Form," "Vessel Form." etc., are used in this Manual, they mean the kind of policy form used by this company to cover the specific insurance indicated.

(a)" indicates Refer to Home Office. "(b)" indicates See "General Liability Insurance." "y" indicates Manufacturers' Policy Form must be used. "C" indicates Contractors' Policy Form must be used. "v" indicates Vessel Policy Form must be used.