TABLE No. 1 
SHOWING THE OPERATIONS OF A PAST FISCAL YEAR NECESSARY FOR 
DETERMINING A BASIC ESTIMATE OF AMOUNT OF INSURANCE FOR THE NEXT ENSUING YEAR 
I. Income from Net Salesfor Fiscal Yearending Qe T3119 s\ oo 000 
2. Income from other Operating Sources (if any) for same period. $____\ , Y0QO 
3. Income from Net Sales and from other Operating Sources 
A. INCOME 
1. Inventory at beginning of Fiscal Year........5_ A Nooo 
2. Net Cost of Purchases during that period.........5__ 2S S00 
3. Total Value to be accounted FOP... $23, N OO 
4. Less Inventory at end of Fiscal Year. oo $V QA 00 
5. Net Value to he accounted for at end of that period... ..3 
5. Add Other Eliminations or Exclusions (if any)... Tens 
’. Total Amount to be deducted from Income ...... 
3. 
DEDUCTIONS 
£NoMvoo 
blo. voo 
v,\oo0 
sob boo 
I. Actual Amount based upon experience of past Fiscal Year oon SR OO 
C. RAIS Jan 2. Prospective increase (or decrease) for next Fiscal Year... $1, £00 
3. BASIC ESTIMATE to be adjusted by TABLE Ne. 2 or TABLE No. en 5-33 A 00 
USE AND OCCUPANCY INSURANCE CHART 
SHOWING IN FLOW LINE 
THE PROPER PROCEDURE FOR DETERMINING THE AMOUNT OF INSURANCE 
NECESSARY FOR COMPLETE COVERAGE UNDER CURRENT FORMS 
This Chart has heen arranged as a flow-sheet, the 
operations first proceeding through the A-B-C steps to 
an estimated amount based upon the actual figures of 
a preceding year. This amount is next carried over to 
work-out tables for adjustment to an amount required 
for full insurance coverage. It will be found that the 
flow line method of presentation will greatly simplify 
explanations so often found needed in preliminary 
negotiations. 
It must be understood that the operations shown on 
the Chart may not bring out all factors requiring con- 
sideration in certain risks. Such factors, when dis~ 
zovered through survey or otherwise must be properly 
weighed and entered into the computations if found to 
have a bearing on the final result. Nor must it be as- 
sumed that the Chart has been so designed as a work-~ 
sheet that a scratch pad will not be required on the side. 
Accompanying this Chart is an Explanation of the 
details of its operations. 
The AMERICA FORE GROUP of Insurance Companies 
THE CONTINENTAL INSURANCE COMPANY  FIDELITY-PHENIX FIRE INSURANCE COMPANY NIAGARA FIRE INSURANCE COMPANY 
AMERICAN EAGLE FIRE INSURANCE COMPANY FIRST AMERICAN FIRE INSURANCE COMPANY MARYLAND INSURANCE COMPANY OF DELAWARE 
ERNEST STURM, Chairmen of the Boards 
Eighty Maiden Lane. PAUL L HAID. Present =, New York,NY 
Tre FiDELITY AND CASUALTY COMPANY 
ERNEST STURM . Charman of the Board® 
WADE FETZER. President 
JEW YORK —P~ CHICAGO — SAN FRANCISCO —" DALLAS 
MONTREAL