Although originally intended for the Insurance of Marine risks only, other policies can be taken out at Lloyd’s—such as Fire; against Burglary—although this was also insured against during the South Sea Mania, under the title of “Insurance from housebreakers”; against any lady having twins. _À propos_ of this, there was an underwriter, some years ago, at Lloyd’s, named Thornton—who was fond of writing speculative risks, especially overdue ships, and who died very wealthy. He had a bet with a fellow underwriter—that he should pay him £1000 for every child the Queen bore; but, if there should be twins, at any time, then Mr Thornton was to be paid £20,000. Insuring that a race horse shall run in a particular race; on interest under a will; employer’s liability to workmen; accidents by tram-cars; solvency of commercial firms; earthquakes; and during the six months preceding the Queen’s Jubilee of 20th June 1897 a vast amount was underwritten, guaranteeing the Queen’s life till that date—and also assuring that she should pass through certain streets. But these policies are not recognised by the Committee, and, should the underwriter fail, they do not rank for dividend out of the caution money held by the Corporation. Besides Lloyd’s Association, where each Member underwrites the amount he chooses, there are Marine Insurance Companies, which are of great utility for the large sums they underwrite. These are not all English, there are many foreign Marine Insurance Companies having Offices in London, as may be seen by the following list, which is very far from being complete:—Baden Marine, Bavarian Lloyd Marine, Boston Marine, Canton Marine, German Marine, Italia Marine of Genoa, Nippon Sea and Land, North China, Rhenish Westphalian Lloyds, Switzerland Insurance, Yangtze Insurance Association, &c., &c., &c. The first English Marine Insurance Companies were the Royal Exchange and the London, both established in 1720.