526                        HANOVER FIRE INS. CO.
LIABILITIES.
Gross losses adJusted and unpaid      (due $73,891.55;
not yet due, $660,00) .................                $74,551 55
Gross claims for losses in nrocess of adjustment or
in suspense, plus $19,480.93: reserve for losses in-
eurred prior to Dec. 3t, of which no notice had
been received on that (late .......   .................  245.758 72
Gross claims for losses resisted ................   ;....  18,490 32
Total .   ...........................................  $338,800 59
Deduct reinsurance due or accrued .......    ............  78,878 18
Net amount of unpaid losses and claims .....       ...............  $259,922
41
G-ross premiums (less reinsurance) received and re-
ceivable upon all unexpired fire risks running one
year or less fromn date of policy. including inter-
est premiums on poerctual fire risks $1,549,422.84;
unearned prenniums (fifty per cent) ..$ ............  $774,711 42
Gross n-emiums (less reinsirance) received aind re-
ceivable upon   all unexpired   fire risks  running
moroe thlan one year from   dsate of piolicy, $3,719,-
474.35; unearned premuiurms (pro rata) .....  ........ 1.926.380 17
Total unearned preniutms as computed above .....       .......... 2,701,091
59
8.la ries, rents. expenses, b)ills, aceounts, fees. ete., due or accrured
 9,251 43
Estimatod amnount herealfter payal)le for federal, state and other
taxes based upon business of the vear of this statement     .......   45,
0 00
Commission, brokerage and other charges due or to become due
to agents and brokers ................                                 6,880
77
Nleturn preminms. $6,251.9S: reinsnirianee premiums, $42,564.60 ....   48,916
58
All other liabilities:  Rents paid in advance .....     .................
 3,004 13
Total amount of all liabilities except capital .....   .......... $3,074,066
91
Capital actually naid un in cash     .................... $1,00,0 0  00
Surplus over all liabilities ...........................  911,592 08
Surplus as regards policyholders .......       ...........................
1, 911, 592 08
Total liabilities .............................................. $4,985,6518
99
RISKS AND PREMIUMS.
Gross
premiums
Fire risks.      thereon.
l force ro i  tlic 81st (dayv of December, it911 .  .$.;4'7,q285,1' ? $.
 8.278 24
Wriifllii o1f rc(cllevd dll lmlbu the year ...... .......... 406,380,259
00 3,857,378 t2
E'xs: (of ovri-inal premiums over amnount received
for reinsurace .     ......................................          440.0
04 76
Totals .......... ........                    S903.665l..?. 83 $9,405,661.
24
l )ieduict those expire(l and mnarkked off as termilnated  312,637,8Y52 3,315,263
72
Tit force at the end of the year ...............5 $91,W07,629 21 $6,0(0),
297 Pi2
D)cdumct amount reinsured .3,701...........................  737,9   72 
821,500 33
Net amount in force ...                       . $507,276,717 61 $5,268,8t97
19