Omaha Daily Bee Newspaper, March 4, 1894, Page 10

10 AMONG THE INSURANCE NEN | Progrees of Fire Underwriting as Viewed | ¢ Through a Veteran's Glasses, | CAPTAIN PALMER GIVES A FEW POINTERS i ! ty Contraets and Risks—Evil Result ition During the i Yenrs—Ky In Insuras this th exprossod inter- fire ex- city was subject of nrardt Palmer viewed yesterday underwriting, and haustively “To fnsure against luss hy f making of a contract by or that right to make such controe’, but not I the cash to tndemnity promised would be valld without a and no party s such protection weuld conslider it 0 good i 10 pr deman Is a nazard in sured ag hility ef It stands to re thore must b2 price for an fnurance policy 1 course, a contract that givos gained for in case of loss. To fnd the price I8 the essence of underwriting. fect and correct underwriting comes when the underwriter learns to charge a falr pay- ing rate for every risk Insured and learns to draw up the contract or jwlicy properly; to fix the proper cost for the unity promise is the first duty of the anderwriter. To sell goods at a profit the successtul mer- chant fixes the price by the pound, yard or gallon, finding the cost pri selling price after adding cost, The underwriter must fix his prl basis. Cost is shown b tables, covering In fire undery n 160 different classifications and receipts for show remarkablo 4 the growth and we rful_as birth and can be figured as as can be the next ipetition in fi of upon as follows o means the rty, company tue legal geod the contract corporation na and ast, ma such consideration, 1lvm was thore num- which future eclipse of the sun. Co derwriting dur xperience wrd cost figures, ht the business vorge of ruin, in disreputs with their pat- and the publl general, perate strugsle is be de by tho ter companies left to return to good prac- » underwritin One move is the the first step toward a clause for the companios and the country in & ourths clause, no more, no le; no risk beyond three-fourths the actual cash value of the property at the time write no risk for of its value, basing the premium upon the value of the properly insured and on the hazard of the particular classification to which the risk belongs, relying upon ex- Lles for the cost price of the credit for superior con- struction, location, fire protection, and, 1 would go farther, even to the financial standing of the owner, general reputation, character, prosperity of tho business, the town, the country. “For obvious reasons the ,last ttems, which enter very materially in the hazard, must be secretly charged for—for the first items every Insurer should be permitted to see the flgures. 0 good business would Insure in a company that he was charging too little for its indemnity contract Insurance is not a question of friendship. The business of the country de- mands that the many shall contribute to s of tho few od government taxes and loy pport, even to the peoplé to arms, other the If the idea of Insurance kept good in the full sense of the word; If it is it is wholly wrong and should be done away with. As a business it has kept pace with the com- mercfal progress of the world for 2,700 years, Erow stronger every year, until now It represents lutely the business life of the commercial world. Without its protecting influence—the combination ' that lessens the hazard of loss—there would be sore disaster in every firc loss, in every death. If rates are too high the business interests of the world will reduce the same by healthy competition, by reducing the hazard insured against, by stopping, by the aid of wholesome laws, a fire waste that 18 fast bankrupting the whole country. The 80 per cent clause before mentioned is a scheme to fix the cost price of insurance. A 1 per cent rate on 50 per cent of the hazard fs much less profitable than a 1 per cent rate on 80 per cent of the hazard, as 500 1s to $300. “The cost of doing the business for the $500 premium is more, too, because With only 50 per cent insurance ‘there (s a greater chance of total loss. A loss with 80 per cent insurance gives (he underwriter a chance for salvage on which a premium has been paid. Twenty per cent is a safe margin against moral hazard. —An insurer carrying 80 per cent insurance Is entitled to a better rate than one carrying only 50 per cent insurance, thus: 'Tis true that an in- telligent and equitable rate anot be charged unless the amount of indemnity contracted for is known. Every risk should stand on its own bottom, as the idea is c monly expressed, start with a basis charging for cvery deficiency in construc- tion for exposure, occupancy and so forth. This business of Insurance must be econo- mically and honestly conducted by honest, intelligent agents and managers. ~ To that end the business public should be protected by good laws, for the most stringent super- vision of companies, as their ability to meet thefr obligations to fulfill to the letter thelr contract. Both insurer and the insured should be compelled by the courts to stand true to the contract made. More light should be given to the business of insur- ance than to any other business, for it is a business in which the entire public s interested. The comm and salaries paid to agents and officers, the actual cost of doing business are items of interest to the general public, nearly as much so as the reserve for reinsurance, net surplus, ote.” and rons better and three-fourths giving allying fabric must fall. is good, it must be Going to the Wall. The Columbian Fire Insurance Company of Loulsville made an assignment last week. This company had about $5,000 in prewmiums in Omaha. Brennan, Love & Co. and Bar. nard and Giles handled the local business of this company. The Anchor of London has gome out of Dbusiness The Burlington of Burlington, la., has 1 The company did a large busl- Cansas, about $70,000 In premiums being recoived annually. Most of this was term bus upon which a reinsur ro serve of 90 per cent of the premium for the first year Is cha So ‘far as kno ment of the Burlington's public since Decomber 3 perusal of which develops ma atures, This ent was as follows pital stock paid up, $200,000; total assets, $303,167; relusurance reserve, $13 labflities, $172,347; premium’ receipt 997; total r-ceipts, §: 34 260; loss s rall, §1 548} total expenses, 280,471, In th relnsurance resorve rathor a *juggl appears, whereby it s to $136 by the in premiums during the yoar 1892 This reinsurance, while a considerable d had n bofore been noticed und was made public at the time it was consummated ont, however, was accepted and ro askod Even dlagsachusetts 13 In the wave ot d pression. Depreciation In the value of r estato and heavy marine losses have decided the stockhc of the Welllleet Marine In surance company to wind up the affairs of the company. It has been in existence tho past twenty-five years, > assots will prob ably be sufficient to pay nearly 100 per cont to stockholder Attorney General Hastings' Doclsion. Fire underwriters in what jubilant over the torney General Hastings the Lloyd's companios in this sta For some months vohement protests have becen pouring into the office of the Insurance department of the auditor's office, all di- ng reduced from insurance of obraska ar tion taken by with relation some At to THE OMAHA DAILY BEE: SUNDAY, IARCH "4, 1894—TWENTY PAGES. galnst the Inatirance company known ds.”" It scems that this company elgh company that adopts unusual 1 transacting its business, It ha or, If it has, the fact is studiously A from the knowledg s by mail and o have rk Iadelphia and othe en writing a_gr ties of Nebraska in Omaha quired to live n that “I an especially a Nobraska ed to part Janu up to th A’ \s perm n the on the of the o | ary 13, Auditor referzed whola matter to the attorney general. After a careful investigation, ney General Has- ) the inquiry of th the p ons in_the premise Lloyds" lived up to its promoters were fon. foore liable to eriminal prose I s Ttoms, salvage uri The at Albany, N. Y., nt water supply. will hereafter print of its applications aw against rebs here fs much trouble ount of the defic The New York Lif in red ink on the marg! notice concerning the ying as a private mined enterprise has yet to be deter- mous and Mis- topic for discus- clations this Natural premium companies have distrib- uted in th t twenty ars half dollars, to wide and orphan: at the rate of $1,000,000 weekly. ho bill exempting who sell acelde aying the regular defeated in the Geor, The BDoston Store fire been paid as yet, but a bas has been reached an is sa be fixed up within the next Advlces from Fargo, D., state that the recommendations of the inspector regarding defective eleetrie wirin in the city are rried out as fast as possible. Steel hull Is have not proved profit- able for marine underwriters, and it is asserted that they intend putting them on a par with or lower even than wooden hulls. Underwriters at Hage at the city council provide tem, shut-off nc es for department, additional e in the wafer supply, ete. » electric light fires in the south have 0 to cancel out on many » inspector has reported de The wiring in some North Carolina is so bad that rates have been in- railway losses have not of settlement d losses will we fire hydrants, fects. town creased e fire insurance seems to be growing. strong companies are out g at old rates, D trying to hold new and higher rates. A bill is to be introduced in the Ohio legislature requiring accident insu p com- panies to deposit with the insurance com- missioner bonds or urities to the amount of $100,000 before recelving a lic e to transact business in the st the Tebruary meeting of the Louis- Sugar Planters' association it was sug- ted by A. A. Woods of New Orleans that gnutual insurance company for sugar ouses be formed. The planters are dis atisfied with present rates and clauses. matter was discussed at cgnsiderable length. Recognition of the act of Superinte Snider of the insurance department of sas has at last been taken by officers of the ice company of New York, and i nts in the state will uspend business until and the Home re- rumpus at Louisville About a half dozen of the board and while board com- business on the 1 is settled rights, Weekly Unde v discredits the that an organization of fire insurance is being formed to supersede the o and selation. “It 18 not the Underwriter, “that fire un- derw s will, at this time, abandon any 5 to a successful prosecution of business, st of all that they will destroy the two orn associations upon which they have heretofore so fully relied.” The insurance commissioners of Pen; vania says: “While I regard life ir purely as a business, and not as a c yet in every thread of its warp and w 1 can seo the golden tints of the sweetest and rarest charity in the world. It is one of the ladders r from heaven to earth, adown which com: the the prayer of the widows and orp as they humbly list, ‘Give us this day our daily bread.’ " The thirty-fifth annual report of the New York § ficfal figures showing how the fire underwrit- Ing Institutions in 1893. The fii miums received were )0, .4 paid, $15,143,836.72; fi s incurred, § imated amount of ex- on of this business is now faken by the superintendent to be 33 1-3 per cent instead of per cent, which latter amount has been the percentage a: stored to its The story pense for the tran sumed In the case of this item heretofore. It | i 230,124.49, which, if added to the in- red losses, makes showing, as comp rece an apparent total of $2 3 red with the pre- net loss of $64 ND P Made For? sed in the January cal Bulletin, Published at BOOKS - RIODICALS, “What Are Rul cipal theme ( chitects’ Electr New York city. The Omaha Druggist for February is out on its usual pilgrima It very appro- priately heads its news items as “'pellets. Omaha Druggist, Omaha. rold's Valentine Bush is a timely short_story for children very appropriate for Feb ary’'s Our Little Ones and The Nursery. The Russell Publishing Company, 196 ummer street, Boston. A splendid portrait of Kliz Peabody with a review of h eventful reer opens the FKFebruary number of Kindergarten News. Milton Bradley pany, Springfield, Mass. “There's Nothing Too Rich for the Baby {s the catching title to' some new mu that has already achleved fame in the old world, It is composed by H. W. Petries, Phelps Music Company, 4 Lafayette place, Now York Goldthwaite's (€ January discu: v expeditions, ages they will abeth Paly The zine for of future great ad- those of tho The article Robert Stein, s geological survey, and s xploration of Blles- raphic street, graphical Mag the prospec showing the have over 1s. by Proposed Goldehwaite's East Twenty-fir ancis Fletcher, Explorer and Pri o title of an Interesting article by the hop of lowa appearing in the quarterly odition of the Sewanee Review. The sub- ject of the article accompanied Sir Francis Drake in his voyages, and Illustrates the religious -side of the grim buccancers, swho prayed and fought with equal zest. The University Press, Sewanee, Tenn. The Anaconda Standard displays its en- terprise by the I of an almanac for 1594 in which facts and figures relating to the city of Anaconda and the state of Montana are collected. It is a valuable additic the. statistics of the west. ng th | miner of Montana from 18 441,311. Anaconda Anaconda, Mont. Tho Value of Cereals and THE MERCANTILE IS THE le by all First Class Deale rps fdea has drifted into a | but the utility of such a system | wer to | tate Insurance department gives of- | is the prin- Ar- | Com- | ted it shows that the | wtufts 1s_diseussed by James Wood in the February number of The Die- letio and Hyglenle Gazette. The writer ar gues that ‘qutrition depends upon digestl | bility. It wonld make no difference how rich a foodstuff were in nutrititive elements it the in_such relation to other ments as precluded use of th tom.’ lishing Company, 1218 Broadway A very learned disquisition entitled *F bian ntributed by W. H Mallock number of The prinightly The author shows the iglish socialistic thought and then its claims. Herbert Sp | food | M. D d, ! L Tyndall Pub- mpany, 231 Broadway, 1 York. 1 Bedrooms i& a theme made ve g in the February edition of T The couch eof the sleeper and th invalid, th infant and aged, and their s found in all lands and in past as many srical records and s upon health are re making a most interesting articlo, Sanitarian, Brooklyn, N, Y. Extracts from A Romance of Utopia,” by Frank Rosewater, now in press, con- | tains an account of the platform of an imaginary political party called the Free Labor party, supposed to have sprung up in 1506, In this platform the main issue is between capital and labor, and t re- | Tations are presented in a novel and striking manner that will be of great interest to the labor world. Financiers and econo mists will also find in it much to ponder over The work 1Is being 1y shed In Omaha. Richard H 1o of The essay nary s contributes a of Cotton Bdmonds in the of Southern State: able on “The Increase Production.”” The writer “the cul tivation of the tton plants, the manufac ture of its fibre and the distribution ol product afford employment to a much la amount of capital and labor than other ch of mechanical industr far as Europe and America this vast agricultural and 1 system has been built up almost within the limits of the past century.” Manufactur- er's Record Publishing Company, Baltimore, nufacturing nd volume of “Orations and Ad George Willlam Curtls,” edited Charles Bliot Norton, s now out, and is almost entirely devoted to the probiem of | civil service reform, which Is treated in all its important phases and viewed var ‘ts. This volume alone makes a book of over 500 pages, and the flood of words spent in support of the reform fmpress the student v much lik vigorous but unsatisfactory treatment symptoms, indicating clearly that the evil sought to be remedied has its deeper than the surfaco of exper per & Brothers, N Megeath Stationer: Under the caj United es, he Febr is , Omaha Trade M. Depew in ineteenth Cen 1 readers of this of our country. political move- ble presenta- r and correct the pre his remarks the statemen fon, Chauncey ue of The ghtens the Drit on the politic brief synopsis of ot na parties it Is a very giving to the reader a ¢ of the causes leading situation. In purse { he confl to s made to him by the late that while in President Hari he had 150 vacancies to fili and to deal with 4,000 applicants. Leonard Publication Company, 231 Broadway, York. tion to of v one of the anonymous the poor perhaps be a dog who his enem e must be an bite. Th instructive nature Dogs and the the author ex is satire rich and likened to the barking of don’t know how to get at but who seems to realize the enemy where there is so mue style of th work in no sense but rather scurrilious, and is of a to bring the cause of labor into con It is easy to get rid of the fleas fire to the hair, but the problem is without injury to hide or hair—to kill the fleas without also killing the dog, in other words to remove evils without creating greater evils in their place. Douglas Me- Callum, Chicago. “London Moncy source, upon, and the Power, the Great Red by L. B. Woolfolk, is a conglom- ombination of fact and fancy epito- mizing the struggle for truth and utterances of error with which the is laboring | Following in line with a recognition of in- nate wrongs involved in the prevailing sys- tem of commerce, the er here and there | strikes a brilliant spark of truth, and then galn soars In flights of imagination that sound as if coming from a victim of night- mare. In this strain he connects the Lon don money power with prophecies of the seriptures “showing that a flighty imagina- tion can easily fall into deducing almost any sensational wonders. L. B. Woolfolk, 90 Fulton street, New York. The Chicago Daily News Almanac and Po- litical Register for 1894 has made its appear- ance. Being a standard authority on matters treated of in the best publications of this kind, it needs no extended notice. Briefly, therefore, it may be said that in addition to 1 statistical matter covering elec- has been compiled with great ent volume contains many articl al valuo to the Ameri- zen who desires to keep posted on the political auestions or events of the Among them are to be mentioned those | of the Hawaiian difficulty, the Bering sea ar- | bitration, the dispute botween France and ms and farm mortgages, modes of sing and collecting taxes in in the union, the national silver c in Chicago, the repeal of the purchase clause of the Sherman d the international monetary conference. The Wilson tarift bill, as framed by the house ways and me: | committee, is compared, item by item, with | the McKinley law. As a handbook of refe | enco this complete and yet compact almanac is unexcelled. Price cents. The Daily | Nows, Chicago. We are under obligations to Commissioner Thomas J. Dowling for parts I and II each of the ninth and tenth annual reports of the Bureau of Statistics of Labor of the State of New York covering the years 1891 and 1892 Tho causes and effects. of, strikes and boy- cotts upon each of the many trades and oc- cupations, particularly their relation to wages and to the subject of relative wages in vari- ous occupations, may be studied to great ad- n the numerous tables of sta- facts presented in these volumes. r of persons engaged in these oc- shown, and what makes the valuable is an elaborate index its manitold information may reached. The subject of the day, child labor, the workday of meal hours, holidays, Sanitary regu- lations, protection of life 1imb, payment of wages, prison 1 fabor org tion are severally reviewed in summarizing the results of « AIL'In all, it is a valuable acquisition to the world’s knowl- edge relating to the regulation of labor. Bu- reau of Statistics of Labor, Albany; N. Y. Two of the most yvaluable artic | great American and English Enc of Law now assuming such extensiye pro- portions are contributed to the twenty-third volume by Mr. Charles S. Lobingier of the Omaha bar upon the subjects '“‘Stock’ tockholders.”” Each of these ar- a concise yet exhaustive o most important points of legal const that have arisen in the many cafos In our courts involving the | rights and liabilities of members of incor- 4 companie: The material fs ad- ably classified so thatthe reader may at a glance find the topics in which he is in- and the statements of law are | amply supported by numerous citations of current reports and authoritative text books. Mr. Lobingier's contrfbutions evinee the | expenditure of much time in ‘careful re- search and the results fully meet the re- quirements dy and acourate work tions In ot tistics | The numi cupations is wholo more through whic be quickly elght-hou minors, Vegetables as ! FAYORITE TEN CENT CIGAR. Manufactured by the ILE CIGAR CO., actory No. 804, St. Louls, Mo, thelr being appropriated | : fiThe American GYCLOPAEDIG DICTIO o World's Greatest Educational Revolution. places, and special attention has been given to the inser tion of words and phrases which have not previously found a place in any dictionary. The shackles are now broken that have long bound the public to a lack of knowledge in consequence of the high prices charged by monopolistic publishers for their Dic- tionaries, and the publishers of THE BEE are happy to to be the medium through which it is possible for their readers to obtain what is in their opinion Work of Surpassing Marit Except the Bible, a dictionary is of all books, the most important and valuable, and even the bible cannot be fully understood without reference to a good work of this class Book for the Home, Tne homes of the people are richer to-day in all things truly valuable than were the palaces of ancient kings. Music, Art and Literature stand smiling at every door. Twenty years ago such a dictionary as this could not have been purchased for a thousand dollars. There was no such work in existence at that time, now FABULOUS IN ITS EXHAUSTLESS LITERARY RICHES IT IS FABU- LOUSLY CHEAP. So cheap that the lowliest home in | the land can well afford to become possessed of this princely library. The Number of Words in Well-Known Dictionarie:s 7 ement...oeeeienes 116,000 . 118,000 Webster's Dictionary, Early Edition.... v veeessaess Worcester's Dictionary and Supp Webster's Unabridged Dictionary Webste International Dictionar The American Encyclopeedic Dictionary bt BT MCRAL--{1 you want 0 Dicto : Its Prcroriar ILrustraTions, although eminently artistic in character, are in no sense mere embellishments, but in every case help to make clearer than mere words cou'd do, the meaning of the definition, [t has not been the design to make a picture book, but rather a valuable work of reference. 0,000 . 140,000 180,000 Tuding compound word Do not confuse this publication with any cheap photo- graphed Dictionary. It is not such a work, bat is set from handsome, clear face, new type, manufactured expressly for this purposee. THE UNDERTAKING IS ONE OF COLOSSAL MAGNITUDE. The cost of typesetting agare- gating a figure that makes it with one exception THE LARG- FEST OB OF TYPESETTING OF I'TSICLASSYEVER | CONTRACTED IN THE UNITED STATES. In putting the price for the wonderful work at so low a figure we do so in response to a popular demand for a thoroughly reliable Ency- | clopaedic Dictionary at a figure that will enable every home in the land to contain it. In this connection the publishers of this work have caused The Greatest Educ!i§ This grand production is one of immense utility, both as a Dictionary for its unrivaled definitions and an Ency- clopaedia'for the marvelously full treatment of the words it gives, and is entitled Thé Dictionary has been in active preparation for nearly twenty years. The labor and care necessarily connected with | this great work, original both in conception and plan, made it | imperative to employ a large corps of literary people under the | able command of the editor-in-chief, Dr, Robt. Hunter, A: M., 1 F.G.S., and the Dictionary now complete is indeed a source of congratulations to the Public, Editors and Publishers. The work differs from ALL its predecessors; as its title implies it is not an ordinary dictionary, in the sense of being a mere alpha- betical list of the words composing our lanyuage, but it par- | takes also the character of an Encyclopadia sufficiently to fally texplain the words defined. It explains not only words but things; it gives not only the meaning of words, but also an ex- planation of the things to which such words are applied. ER AEDIC DICTIONARY Being a thoroughly accurate, practical and exhaustive work of reference to all the words in the English language, with a full account of their origin, meaning, pronunciation and use. The publication of a good and useful book is a distinct gain to any generation. When the practical and permanent value of such a work as this is thought, when the amount of research necessarily involved is considered, then it will be seen that there can scarcely be any limita- ticn to time or painstaking care necessary to bring it to a successful conclusion: It is impossible that such work as thiscan be done effectively and done in haste, The con- tinuous labor and unremitting care involved in the produc- tion of an ordinary dictionary can be fully understood best by those who have entered upon so exacting a task; but when, as is the case in this instance, there is added to he Dictionary the larger and more comprehensive char- cter of the Encyclopadic treatment of the words, then he labor and res earch are proportionately increased. Among the distinctive features of Tue AymErican Excycro- :pic DIcTIONARY are: 1. Its thoroughly encyclopadic character, being not only a comprehensive Dictionary, but also a very complete En- cyclopedia. 2. Its comprehensiveness and its wideness of range, not only modern words, whether of an ordinary or a technical and scientific nature, finding a place in the work, but also all obsolete words and phrases to be met with in the works of En- glish writers from the 13th century to the present day. 3. The history of each word and the historical and legi- | cal development ot its various meanings and uses are traced out, showing to the reader by illustrative quotations the history and development of each word. 4. The richness and completene of the illustrative quotations, the value of which is materially increased by the fullness and the exactness of the references. The public have now in the AmEerIcan Encycrorapic L A A DicrioNARY @ most exhaustive Dictionary of the English 5. The treatment of t_l”f' }etymo}(’glcal portion of the language. It was designed and has been carried out on a | work in :lC.C()r(I’ill'lC\: with the results of the latest r carches in " m';, the effectiveness of which cannot be questioned, the Coxnp:\mnvc lhl!oloqe'. and the grouping of the various spell- intention being to trace the history of each word step by | 123 of each word under the principal form, step, thus showing the successive gradations of meanings as they rose out of each other, and each meaning has been illustrated as far as possible by quotations from the writ- ten and printed language. This necessarily involved a great amount of extra research and care. The exactness and clearness of the pronunciations, the system adopted being simple, and at the same time of such a nature as to show clearly and readily the minutest differenc in the phonetic values of the vowels. Also many other valuable and distinctively exclusive feat- ures entirely too numerous to attempt to give a list of in the limited space at our command. It has been the aim of the publishers to maket his work above all things a People’s Dictionary, and with that end in'view the Greek and Hebrew characters have been entirely efiminated, and in their place will be found the Greck and Hebrew words prefaced by “Gr,” or “Heb.,” as the casé may be, to signify their root, and the words them- selves Naye been set in English equivalents, so that any one may read them. This, no doubt, will be appreciated by those who do not read Greek and Iebrew, and cer- tainly 1o ‘objection can be offered by those who do, as they will:be at no loss to comprehend the change, How to Obtain This Dictionary for “Almost Nothing — The Encyclopedic Dictionary embraces many thousands more words and subjects thanany previous dictionary of the English language. It gives over 50,000 important cyclopadic subjects not given in any of the standard cyclopwdias, It is the embodiment of many dictionaries in one, embracing Bot- any, Chemistry, Mineralogy, ology, Anatomy, Law and Medicine. It is aiso complete as a classical and biblical dic- tionary. and is a perlect glossary of the English language. On page 2 of this paper will be found a Dictionary Coupon 3 of these daily coupons of different dates and 1 Sunday cou- Jon will when accompanied with fifteen cents, entitle the holder to Part No. 1 of this Dictionary. The whole work will be com. plete in about 40 parts, of 96 pag each, bound in heayy paper covers; a new part will be issued each and cou- pons will be printed daily until the Dictionary is complete. Any three of these daily coupons and one Sunday coupon, with 15 cents, entitles you to any issue or number of the Dictionary. 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