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No. 18.

IN SENATE

FIFTY-FIRST ANNUAL REPORT

OF THE

SUPERINTENDENT OF INSURANCE

STATE OF NEW YORK

INSURANCE DEPARTMENT

ALBANY, December 12, 1910

Hon. GEORGE H. COBB,

Lieutenant-Governor.

SIR.— The Annual Report of the Superintendent of Insurance, Volume V, containing 1910 amendments to the Insurance Law, decisions of the Court of Appeals, opinions of the Attorney-General, rulings of the Superintendent, reports on examination of insurance companies, report on Town and County Co-operative Fire Insurance Associations, report on Insurance Supervision in Europe, report on Excise Agreement, memorandum regarding authorization of bonds, and schedules of fees and taxes charged by various states, is herewith transmitted to the Legislature.

The same is prefaced by an account of insurance supervision in this State before and after the organization of the department, by the first superintendent, Hon. William Barnes.

Respectfully yours,

WILLIAM H. HOTCHKISS

Superintendent

EARLY INSURANCE SUPERVISION IN NEW YORK

Establishment of the Insurance Department

and the

First Ten Years of its Administration by the First Superintendent

THE HON. WILLIAM BARNES

[vii]

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