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694
XI. BANKING, CREDIT, AND INSURANCE.
panies (the companies belonging to the läns of Uppsala, Östergötland, Skåne and
Halland, Älvsborg, Skaraborg, Örebro and Västmanland). Besides these, the
mutual fire insurance societies of Kronoberg län and of the rural parishes of
Markaryd, Hinneryd, Tolg, Virestad, and Växjö also granted compensation for
damage by hail occuring to crops insured against fire in the companies. Out
of these companies, the Allmänna Hagelskadeförsäkringsbolaget had in the
same year 5 357 shareholders with an aggregate insurance sum of 20 912 740
kronor, and the 7 län companies together 19 274 shareholders and 54 084 271
kronor in amount of liability; thus in 1912 24 631 properties were insured against
hail to an aggregate amount of 74 917 Oil kronor. In the course of the year
821 cases of damage by hail was compensated for with altogether 232 474
kronor, out of which 48 411 kronor was paid by the Allmänna
Hagelskadeförsäkringsbolaget.
Burglary Insurance is given on personal movable property, goods, machines,
inventories, and money, and on damage to buildings. These companies that give
burglary insurance also give insurance against highway robbery. Insurance of
this kind was carried on in 1912 by 11 Swedish joint-stock companies, namely
Securitas, Skandinavien, Hansa, Norrland, Freja, Heimdall, Victoria (fire), Fylgia,
Norden, Mercurius and Malmö, besides which one foreign company took up burglary
insurance in Sweden.
The premiums for all these companies amounted in 1912 to about 505 000
kronor.
Travellers’ Luggagre Insurance, which is undertaken by the majority of the
companies enumerated above, has not attained any great amplitude, as many of
the risks coming under this head are doubtless covered by maritime insurance
companies.
Glass Insurance, was given in 1912 by 12 insurance companies. Out of these
10 were Swedish, notably the Göteborgs fönsterförsäkringssällskap (the
Gothenburg Window Insurance Company), the Svenska Glasförsäkringsaktiebolaget,
Securitas, Stella, Skandinavien, Hansa, Fylgia, Norrland, Victoria (fire) and Malmö
and 2 foreign companies. All these companies were liable at the termination
of 1912 for an aggregate insurance sum of approximately 8 million kronor, as
against a premium revenue of about 185 000 kronor. The damages in this year
amounted to about 212 683 kronor gross.
Fidelity Guarantee Insurance, granted principally as a security against
embezzlement by collectors of taxes and debts was transacted in 1912 by the three
joint-stock companies, Hansa, Norrland, and Securitas, wich at the end of the
year were collectively liable for 9 992 246 kronor, had a premium revenue of
93 448 kronor, and paid compensations to the amount of 82 103 kronor.
Liability Insurance, by which is meant insurance for the liability for damages,
was granted in 1912 by four Swedish joint-stock companies, Securitas, Hansa,
Heimdall and Skandinavien. The aggregate insurance stock amounted at the
close of the year 1912 to about 30 mill, kr., the premiums to 52 275 kronor,
and the compensations for damages to about 6 600 kronor. Besides there are
5 foreign companies wich carry on this business in Sweden.
Damage by water Insurance, for damage by water in the strict sense, was
granted in 1912 by the six Swedish joint-stock companies, Securitas, Norden,
Freja, Skandinavien, Victoria and Malmö and one foreign company, the total
amount of the liability for all these companies together amounted to about 49
million kronor, the premiums to about 74 000 kronor, and compensations for
damage to about 11 500 kronor.
In the sphere of Sickness Insurance there were operating in 1912 a number
of companies. This kind of insurance has during the last decennium
undergone a remarkable development. It has been carried on principally on two
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