STATE OF NEW YORK. Hon. ALONZO B. CORNELL, Speaker of the Assembly: 1873. } SIR-I have the honor herewith to transmit to the Legislature the Annual Report of the Superintendent of the Insurance Department, for the calendar year ending December 31, 1872. Very respectfully, Your obedient servant, ORLOW W. CHAPMAN, SUMMARY OF CONTENTS OF PART I. New York Joint-Stock and Mutual Fire Insurance Companies; and the Fire and Fire-Marine Insurance Companies of other States and Foreign Countries V. Asssets of New York Mutual Insurance Companies.. No. No. VII. Income of New York Marine Insurance Companies.. No. VIII. Expenditures of New York Marine Insurance Companies. No. IX. Summary of the business of Marine Insurance Companies. MISCELLANEOUS. SUPERINTENDENT'S REPORT. PART I. FIRE AND MARINE INSURANCE. STATE OF NEW YORK: INSURANCE DEPARTMENT, } To the Honorable the Legislature of the State of New York: The Superintendent has the honor to present the Fourteenth Annual Report of the Insurance Department of the State of New York. All that is specifically required by legislative enactment is, a report of the names and compensation of the clerks employed by him, together with the whole expenses of the Department during the year; and, also, the arrangement in tabular form, or in abstracts prepared for printing, of the information furnished by insurance companies doing business in this State. All that the law requires is herewith presented. But, in addition to this, it has been customary to embody in the report, such views and suggestions, as familiarity with the whole system of Insurance, experience in its practical workings, time and inclination might prompt. The Superintendent entered upon his official duties, not until late in the year 1872, and without such a full, general or technical knowledge as is necessary to a thorough comprehension of the subject of Insurance. The Department was found struggling under the labors and responsibilities incident to the |