Name/Title
Waupun Board Constitution, By Laws and RatesScope and Content
Booklet on Constitution, By-Laws and Rates, Adopted by the WAUPUN - BOARD of Fire Underwriters, November 8, 1882. The name Edwin Hillyer is hand written and stamped on the cover. This belonged to the Waupun Library Assoc. at one time, was numbered 1986.
It was printed by, Eli & C. E. Hooker, Printers, 1882.
Inside cover page indicates Date, Owener or Occupant, Occupancy, Street, No. of Risk, Class, Stories, Occupants, Building, Contents, and Remakrs. These are in columns.
CONSTITUTION.
ARTICLE 1. This Association shall be called the LOCAL BOARD OF UNDERWRITERS.
ART. 2. The officers shall consist of a President, Vice President and Secretary, to be elected annually on the lot Wednesday of October of each year, who shall hold their offices for one year, and until their successors are elected.
ART. 3. The object of this Board shall be to fix and maintain just and equitable rates upon all insurable property within the corporate limits of Waupun, Wisconsin.
ART. 4. All rates shall be adjusted and fixed in open Board meeting, and not otherwise. After a rate has been once fixed by the Board it shall not be altered or amended unless a notice of such change has been given at a previous meeting of the Board, and no rate shall be reduced excepting for an improvement in the risk.
ART. 5. The meetings of this board shall be held at 7:30 o'clock P. M. on the 1st Wednesday of each month, at such place as may be designated by the President and Secretary.
ART. 6. This constitution may be altered or amended by a two-thirds vote of all of the members of the Board; Provided, notice of such change has been given at a previous meeting.
ART. 7. In all voting relative to any change in rates a majority vote of all members of the Board must be had in order to prevail. In all voting, each firm shall be entitled to one vote.
ART. 8. There shall be a Rate Committee of three members, to be selected by the Board.
Extended Description: Booklet on Constitution, By-Laws and Rates, Adopted by the WAUPUN - BOARD of Fire Underwriters, November 8, 1882. The name Edwin Hillyer is hand written and stamped on the cover. This belonged to the Waupun Library Assoc. at one time, was numbered 1986.
It was printed by, Eli & C. E. Hooker, Printers, 1882.
Inside cover page indicates Date, Owener or Occupant, Occupancy, Street, No. of Risk, Class, Stories, Occupants, Building, Contents, and Remakrs. These are in columns.
CONSTITUTION.
ARTICLE 1. This Association shall be called the LOCAL BOARD OF UNDERWRITERS.
ART. 2. The officers shall consist of a President, Vice President and Secretary, to be elected annually on the lot Wednesday of October of each year, who shall hold their offices for one year, and until their successors are elected.
ART. 3. The object of this Board shall be to fix and maintain just and equitable rates upon all insurable property within the corporate limits of Waupun, Wisconsin.
ART. 4. All rates shall be adjusted and fixed in open Board meeting, and not otherwise. After a rate has been once fixed by the Board it shall not be altered or amended unless a notice of such change has been given at a previous meeting of the Board, and no rate shall be reduced excepting for an improvement in the risk.
ART. 5. The meetings of this board shall be held at 7:30 o'clock P. M. on the 1st Wednesday of each month, at such place as may be designated by the President and Secretary.
ART. 6. This constitution may be altered or amended by a two-thirds vote of all of the members of the Board; Provided, notice of such change has been given at a previous meeting.
ART. 7. In all voting relative to any change in rates a majority vote of all members of the Board must be had in order to prevail. In all voting, each firm shall be entitled to one vote.
ART. 8. There shall be a Rate Committee of three members, to be selected by the Board.
BY-LAWS.
SECTION 1. NO member shall, in any way, directly or indirectly, make or promise any rebate, or return any premium on policies issued by him, to any customer.
SEC. 2. No member of this Board shall, in any way, indicate to any person that he (the agent) may succeed in getting a lower rate fixed upon the property of said person.
SEC. 3. In case any rate shall be changed, such change shall at once be reported to every member of this Board by the Secretary, and by them to each company they represent.
SEC. 4. No member shalt, in any way, by word or intimation, indicate to a customer, or any person not a member of this Board, the vote or disposition of himself or any other member regarding any particular rate or risk.
SEC. 5. It shall be the privilege atm duty of the members of this Board composing the Bate Committee to examine, at any time, the books and records of any agent, also a member of this Board, to ascertain whether or not said agent has written on a risk at a less rate than that adopted by this Board, upon complaint being made to them by any member of this Board at any regular meeting thereof; and it shall also lie the duty of any member of this Board to make such complaint against any other member, should it come to his knowledge that said agent has issued a policy or renewal if insurance on any risk within the territory covered by this Board at a less rate than that made and adopted by this Board.
SEC. 6. It is a violation of the rules of this Board to write or renew any sum on two or more buildings, or two or more divisions of a building separated by entire walls, or on buildings and contents.
SEC. 7. No member of this Board shall write on mercantile stocks for a term of over one year.
SEC. 8. No member of this Board shall write term risks on business buildings except as follows: Two and one-half times the annual rate for three years; four times the annual rate for five years.
SEC. 9. Any member of this Board who shall write, place, or cause to be placed, a risk in violation of the rules or tittles of this Board snail he compelled to cancel such policy or policies issued thereon, and shall be debarred from again writing upon such risks, directly or indirectly, for one year thereafter, and pay such fine as the Board shall assess, which fine shall not be less than $10.
SEC. 10. The following specific form of policy shall be adopted by this Board in writing upon mills and manufacturing establishments:
$...............on building
$...............on machinery
$...............on engine and boiler
$...............on stock
SEC. 11. All members of this Board shall charge short rates for every risk written for a less term than one year, and in case of cancellation of policy at instance of the assured, short lutes shall be charged in every case, except only where the return premium is applied in payment of a new policy on the same risk, bearing even date with cancellation.
SEC. 12. Any application for reduction of rates shall he laid over until next meeting of the Board for action, except by the unanimous vote of all members of this board.
PLEDGE.
We, the undersigned, hereby agree that we will faithfully abide by the foregoing articles of Constitution and By-Laws, and also the tariff of rates herewith attached, adopted by this Board: and that we will honestly and truly, without equivocation or mental reservation. support and maintain the same. To all of which we pledge ourselves and our honor as men.
List of Agents and Companies at Waupun, Wis.
W. H. TAYLOR- E. D. FOOTE-
AEtna. Home, of N. Y.
Hartford.
Springfield. F. W. MOORE-
North America. London Assurance.
N. W. National.
Qhenix of Brooklyn. J. E. BRINKERHoFF-
Glens Falls.
ELI & C. E. HOOKER- Fireman's Fund.
Manufacturers F. & M. Union, of California.
Niagara. Phoenix, of London.
Queen.
Fire Ins. Ass'n of Eng. EDWIN HILLYER-
Continental.
J. A. KELLEY- N. B. & Mercantile.
Orient.
Mil. Mechanics. F. F. ZIMMERMAN-
Commercial Union. Germantown, Mutual.
German, of Freeport.
R. L. OLIVER-
Phoenix of Hartford. M. S. BARRETT-
Underwriters, N. Y. American, of Phil.
Fire Association, Phil. Hekla.
TARIFF OF RATES,
Adopted by the Waupun Board of Underwriters, Nov. 8, 1832, and revised by Lewis Iott and H. L. Lawson, State Board Committee.
Basis Rates for Dwellings,
1 year 3 years 5 years
B class .40 80 1 20
C &C D class .45 90 1 35
D class .50 1 00 1 50
D " on blocks .75 1 50 2 25
D " on blocks or piers valued at less than $500, estimated at 6 cents per cubic foot, 1 year 1.00; 3 years 2.00, 5 years 3.00.
CHARGES FOR EXPOSURES TO DWELLINGS BY DWELLINGS.
Add to basis rate 10 feet or less 50 per cent.
10 to 20 feet 40 " "
20 to 30 " 30 " "
30 to 40 " 20 " "
40 to 50 " 10 " "
Only annual risks to be written on dwellings when badly exposed by buildings, on which term risks are prohibited.
Builder's Risk.
For Builder's risk there shall be charged on all buildings in course of erection except dwellings insured for one year or more, the short rate of 2 per cent. On dwellings insured for one year or more the short rate of 1 1/2 per cent. additional to term rate. On occupied dwellings, being repaired or having additions built thereto, the short rate of 1 per cent, additional to term rate.
Schedule for Rating Business Buildings.
B & B C single buildings nonhazardous, occ... 1 00
Add for one additional ground floor occupant 15
Add for each additional ground floor occupant 10
Add for hand printing, book bindery, paint shop, upholstering, varnishing and repairing, photographer, candy manufacturer, retail drug store or baker, from 15 to 25
Basis rate on frame buildings 1 50
Add for each additional building up to 5, each 75
Add for each additional building thereafter 50
Preferred Stocks in Frame Buildings.
Single building same as building.
Two buildings 2 00
Three " 2 50
Four " 3 00
Five " 3 50
In longer ranges from 1 to 2 per cent less than buildings. Nonpreferred stocks, the same rate as the building.
NORTH SIDE OF MAIN STREET
No. OWNER AND OCCUPANCY. STORY CLASS BLDG STOCK
1. Mrs. B. to Gantfort, dw'lg 1 1/2 D 1 50 1 50
2. Eli Hooker, office 1 D 1 50 1 50
3. Warren Bro's. livery office 1 D 3 50 3 50
4. " " " barn 2 Ds, C D 3 50 3 50
5. P. Donovan, saloon 2 B C 1 75 1 75
6. " " dry goods 2 B C 1 75 1 50
7. Aug. Spennegel, city hotel 2 D 3 00 3 00
8. " " hotel barn 2 D 3 00 3 00
9. " " meat market 1 C D 1 50 1 50
10. Schnasse & Duven,dry goods 2 B C 1 50 1 25
11. Henry Menke, p o & barber 2 B C 1 50 1 25
12. J. C. Wilms, saloon 2 B 1 00 1 00
13. Chas. Rank, grocery 2 B 1 25 1 15
14. " " hardware 60 1 60
15. Garrett TeriIorst, groceries 2 D 2 25 2 00 16. John Howard, tailor 2 B 1 75 1 50
17. Henry Boland 1 D 7 00 6 00
18. Bryce & Fergusen B 1 25 1 25
19. C. & E.W. Jones 1 15 1 00
20. W. W. Woard, grocery B 1 25 1 00
21. W. W. Woard, refrigeration 1 ½ C D 3 00 2 00
22. Wm. Oliver, dwelling 1 ½ D 2 25
23. " " , hardware 2 D 2 50
24. Luther Butts, gen'l m'dise 2 B 1 75 1 50
25. Mrs. Simpson, house 2 D 1 00 1 00
26. Mrs. Barrett, Shipman house 2 D 3 00 3 00 27. " " , barn 2 D 3 00 3 00
28. A. Spennegel, dw' & m m 1& 2 D 3 00 3 00
29. T. Maxon, dwelling 2 D 2 00 2 00
NORTH SIDE OF MAIN STREET.
30. Althouse, Wheeler & Co.
paint shop and ware house 2 D 2 50 2 50
31. Alt. Wh. & Co. w ho in rear 1 D 2 00 2 00
32. City of Waupun eng. h'se 1½ D 2 00 2 00
33. " " lock up 1 C 2 00 2 00
34. Alt., Wheeler & Co. office 1 D 2 00 2 00
35. Loomans & Caldwell, office 1 D 2 00 2 00
36. " ", lumber y'd 2 00
37. G. W. Stanton, H P elv'tor 3 D 3 50 3 50
Grain in elevator 6 mo. or less, short rate of 3 00
38. Mrs. Hanisch, hotel 2 C D 2 00 2 00
39. " " wood shed 2 D 2 50 2 50
40. " " barn 2 D 3 00 3 00
41. " " dwelling 2 D 1 00 1 00
42. Jno Manz, d w'lg & gn mdsel& 2 C D& D 2 00 2 00
43. Fred Amthor, cooper shop 1½ D 2 50 2 50
44. " " saloon & dw'tg 2 D 2 00 2 00
SOUTH SIDE OF MAIN STREET
45. W. Hatcher meat market 1½ D 7 00 6 50
46. P. Carrington, harness 1 D 7 00 5 50
47. H. R. Richards, storage 1½ D 7 00 5 50
48. John Hurley, grocery 1 D 7 00 5 50
49. H. Boland, tailor 1 D 7 00 5 50
50. P. Brown, saloon 1½ D 7 00 7 00
51. W. Gerrits, hardware 1½ D 7 00 6 50
52. S. W. Keyes, harness 1½ D 7 00 5 50
53. Moore & Connor, saloon 2 D 5 00 5 00
54. T. Carpenter, barber 1 D 5 00 4 00
55. " " , harness 2 B 1 50 1 25
56. Seely estate, fur'ture print 2 B 1 50 1 50
57. " " addition in rear 1 C 1 50 1 50
58. " " meat market 2 B 1 50 1 50
59. E. A. Padgham, grocery 1 B 1 00 1 00
SOUTH SIDE OF MAIN STREET
60. T. Carpenter, clothing 2 B 1 50 1 25
61. S. Chamberlin, hardware 2 B 1 50 1 50
62. Shoe fc'ry in 2d st'y of both above, 1 50
63. T. Stoddard, general md'se 3 B 1 35 1 20
64. " " ad'tion south end 1 D 2 50 2 25
65. Wm. Moore, saloon 2 D 2 50 2 50
66. W. H. Taylor, m'sic &, je'ry 2 B 1 20 1 20
67. A. Robinson grocery 2 B 1 00 1 00
68. Butterfield est., d'gs & b'ks 2 B 1 25 1 25
69. " gen'l md'se 2 B 1 25 1 10
70. Geo. Newton, dry goods 2 B 1 25 1 10
71. F. S. Keech, drugs 2 B 1 25 1 25
72. A. S. Johnson, conf & bk'ry 2 B 1 25 1 25
73. E. M. Beech, jew'ry & dw'lg 2 B 2 00 2 90
74. F. W. Moore (occ) jewelry 2 B 2 00
75. E. M. Beech, ad'tion No. 74 1 D 2 50 2 50
76. E. Haueisen, furniture 2 B 25 25
77. Geo. Jess & Co. bank & dw 2 B 85 85
78. Odd Fellows block 2 B 1 35
79. Mrs. J. R. Keefe, millinery 1 35
80. Mrs. Schnasse, " 1 35
81. Niss Rooney, fancy goods 1 35
82. L. J. Althouse, tailor 1 20
83. Dr. D. W. Moore, dwelling 2 D 1 00 1 00
84. Luther Butts, " 2 D 1 00 1 00
85. " " barn 2 D 1 00 1 00
86. H. E. Utter, ware house 2 D 2 00 2 00
87. C. Graves, barn 2 D 1 50 1 50
88. Graves & Myers,
blacksmith and plow shop 1 D 3 00 3 00
89. Alt., Wh. & Co, w m fitting 2 D 2 50 2 50
90. Cy Taylor, dwelling 1½ D 75 75
91. Alt., Wh. & Co. B S shop 2 C 2 00 2 00
92. " " " gen'l md'se 2 D 2 00
93. A. C. Scott, (occ.) md'se 1 75
SOUTH SIDE OF MAIN STREET
94. Althouse, Wheeler & Co.,
pump fitting and painting l & 2 D 3 00 3 00
95. Alt., Wh. & Co., dwelling 1½ D 3 00 3 00
96. S. C. Hill, hotel 2 D 3 00 3 00
97. " " barn 2 D 7 00 3 00
98. " " dwelling 1 D 2 00 2 00
MISCELLANEOUS
99. Althouse, Wheeler & Co.,
paint shops and storage 2 D 2 50 2 50
100. Althouse, Wheeler & Co.,
storage in rear 1 D 2 00 2 00
101. Loomans & Caldwell, lumber yard 2 00 2 00
102. Seifert, brewery 2 D 3 25 3 25
103. " barns and sheds 1 & 2 D 2 00 2 00
104. Markle & Harris, flour mill B 3 75 3 75
(May run by steam not more than 4 mos. of year.)
105. Zoelner, grist mill D 5 50 5 50 (Engine house must be yen. on E. side, and door covered with iron.) unless veneered and ironed
106. Zimmerman, blacksmith l & 2 D 3 00 3 00
& wagon shop
107. " sheds and barn in rear D 3 00 3 00
108. " carriage repository 1½ D 1 50 1 50
109. Dahl, plow shop 1½ C 4 00 4 00
110. Mattoon & Co., ware house 2 D 3 00 3 00
111. " l'ber y'd near ware h'se 3 00
112. " " " railroad 2 00
113. Ackerman, ware house 1 D 4 00 4 00
114. Dony, horse-power elevator 2 D 2 50 2 50
(Grain in elev'r 6 mos. or less, short rate of 2 25
115. Mrs. Leary, ware house 2 D 1 50 1 50
116. Morris, carege w'ks 3 brdgs l & 2 D 3 00 3 00
(If policies are made on all the property.)
MISCELLANEOUS
117. Althouse, Wheeler & Co.,
ware house north of fac. 2 D 2 50 2 50
118. Althouse, Wheeler & Co.,
pump and wind mill fac. 2 D 8 00 8 00
119. Althouse, Wheeler & Co.,
machine shop 1½ D 7 00 7 00
120. Althouse, Wheeler & Co.,
foundry and sheds 1 D 6 00 6 00
121. Alt., Wh. &. Co., barn l D 3 00 3 00
122. Oliver Bros., printing office 2 D 2 50 2 50
123. Houghtaling, shoe shop 1 D 1 50 1 25
124. Jarvis, dwelling 1½ D 1 00 1 00
125. Doton, livery 1 D 3 50 3 00 126. dwelling next north 1½ D 3 50 3 00
127. Mrs. D. Grave, dwelling 1½ D 3 00 3 00
128. " " blacksmith shop 2 C & D 3 00 3 00 129. Donovan blacksmith shop 2 C & D 3 00 3 00
130. Reifsnider blacksmith shop 2 B 2 50 2 50
131. Wilcox, vacant livery 2 B C 2 50 while unocp'd
132. Heath, blacksmith shop 1 D 2 00 2 00
133. Gee, marble shop 2 B 1 25 1 25
134. Davis, store and dwelling 2 B 1 25 1 10
135. " vacant 1 D 2 50
136. " gen'l merchandise 2 D 2 50 2 25
137. State prison shoe factory
and box shop in connection 2 3 00 3 00
CHURCHES AND SCHOOL HOUSES
138. Irish Catholic church D 1 25 1 25
139. " " parsonage 2 D 1 25 1 25
140. First Baptist church D 1 00 1 00
141. Methodist church D 1 00 1 00
142. Episcopal " D 1 25 1 25
143. Congregational church D 1 10 1 10
144. Free Will Baptist " D 1 10 1 10
145. " " " , barn and sheds 1 D 1 00 1 00
146. " " ... [truncated due to length]Acquisition
Accession
2015.0038Source or Donor
Dahl ResidenceAcquisition Method
Donation
