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2. Volume of business. The most stable business in marine insurance is hull insurance, and the American tonnage available for insurance has hitherto been of a very limited amount. 3. Diversity of hazard. The marine insurance companies of other countries, besides obtaining the business originating in their own countries, have established branches in all parts of the world and secured some share of the premium income of almost every trade. 4. The great expansion has come suddenly and we have relatively fewer trained men to handle a form of insurance requiring a very special training and knowledge. 'Proceedings, 1918. While the situation would be improved by the enactment of uniform legislation with respect to marine insurance, or the substitution of Federal control for State control, there is no present method of increasing the amount of available business, for, as Mr. Chubb explains, the Government does not insure its ships and cargoes, and the great bulk of American shipping is now under control of the Government. Insurance policies existing on requisitioned ships have not been disturbed, but no new insurance is taken out. The factors upon which depend the future of American marine insurance, as set forth by Mr. Chubb, are the following: 1. Will the Government-built and owned hulls be under the management of private firms and subject to insurance?. 2. Will there be an after-the-war expansion of our foreign commerce? 3. Will the bringing of our exports to foreign countries be largely done by the governments of those countries, or will it go back to the pre-war system? At the present time the government purchases of England and France carry no marine insurance, this applying not only to munitions of war, but to most of the foodstuffs. 1...