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About Omaha daily bee. (Omaha [Neb.]) 187?-1922 | View Entire Issue (April 30, 1911)
The Omaha Bee PART EEVT.N Insurance Section PAGES ONE TO TWELVE unday FOR ALL THE NEWS THE OMAHA BEE BEST IN THE WEST VOL. XL--XO. 4H. OMAHA, SUNDAY MOIIXINU, A PHIL 30, S1NT.LK COPY TIVK CKN'TS. CEKttriCATJ! Or PtTBLICATIOlf A. J. LOVE. President. FRANK J. HASKELL. Scy, and Treas. CEBTiriCATB Or FUBLICATIOK STATE OK NEBRASKA. OFFICE OF AUDITOR OK PUBLIC ACCOUNTS. STATK OF NKHRAPK A. OFFICE OF AUDITOR OF PUBLIC ACCOUNTS. ir MJ Li MUL.i, reo. iBi, J311. IT IS HEREfiY CERTIFIED, Thilt the t sledonlan Insurance Co., of Edln- hllli-ii. Sputlirri li., i...,nnll.ul uitti LINCOLN. Keb. 1st. 1911. IT IS HEREBY CERTIFIED. Tlmt the Citizens Insurance Co., of St. Louis. In the State of Mis-outi, h i compiled with the Insurance Law of this State, appll cahle such Companies, uiut is therefore authorl.cd to continue the business of Klre. Lightning and Tornado Insurance In this State for the current year ending January 31st, 1S12. Witness my hnml and the seal of the Auditor of Public Accounts, the day and year first above written. SILAS R BARTON, (Seal.) Auditor of Public Account.. C. E. PI LUCK. Deputy. I'HIII'a 1 W . .f lliiu t n .... Wltness my hand and the -pal of the Auditor of Public Accounts, t lie day and year first above written. K1LAS R. BARTON, (Seal.) Audit. ir of Public Accounts. C. E. PIERCE, Deputy. CXBTiriCATB Or MTB1.ICATIOH EVERY KNOWN KIND OF INSUG3ANC (2d ) LviVi STATK OK NEBRASKA, OFFICE OF AUDITOR OK PUBLIC ACCOUNTS. LINCOLN. Feb. let. 111. IT IS HEIiKHY CERTIFIED, That the North British and Mercantile Insurance Co., of London and Edinburgh, of (Sreat Britain. has complied" with the Inauiaiu-e ljiWsof thia Mate, appll-' cable in such "i it 1 1 1 ni 1 1 H-s. and Is therefore authorixcit ti com line Ihw business nf Klre Insurance in this Male for t lie cur rent yeur ending: January 31st, 1912. Witness n,y hand and the seal of the Auditor of Public Accounts, the day and year first nlmve written. SI L. Art R. HARTON. (Seal.) Auditor of I'uhllo Accounts. C. K. PIERCE. Deputy. czmTxriCATS or fublication STATK OF NEBRASKA. OFFICE OK AUDITOR OK PUBLIC ACCOUNTS. LINCOLN, Keb. 1st. 11)11. IT IS HMIKIIV CERTIFIED, That the Sun Insurance lit lice of Londun, England, has compiled wun Hie Insurance Law ot this ataie, applicable to such Companies, and is therefore authorized to continue tne business of l irti Insurance In this State tor the current year ending Jan uary Slat, 1012. Witness my hand and the seal of the Auditor of Public Accounts, the day and year first almve written. Si LAS R. BARTON, (Seal.) Auditor of Publlo Accounts. C. E. PIERCE. Deputy. I cebtetxoatb or fvbx.xoa.txok STATE OF NEBRASKA, OFFICE OF AUDITOR OF PUBLIC ACCOUNTS. LINCOLN. Keb. 1st, 1811. IT IS HEREBY CERTIFIED, That the Calumet Insurance Co., of Chicago, In the Slate of Illinois, has complied with the Insurance Law of this State, applicable to sucli Companies, and Is therefore authorized to continue the business of Klre. Lightning- and Tornado Insurance In this State for the current year ending January alst, 1912. Witness my hand and the seal of the Auditor of Public Accounts, the day and year first above written. SILAS R. BARTON. (Seal.) Auditor of Public Account. C. E. PIERCE. Deputy. CBSTirXCATB OF FUBXiXOATIOsT STATE OF NEBRASKA, OFFICE OF AUDITOR OK PUBLIC ACCOUNTS. LINCOLN. Feb. let. IT IS HEREBY CERTIFIED, That the Boston Insurance Co., of Boston, In the State of Massachusetts, baa complied with the Insurance Law of this State, appli cable to such Companies, and is therefore authorized to continue the business of Klre Insurance in this State for ths cur rent year ending January 81st, 111. Wltnese my hand and the seal of the Auditor of Publlo Account, the day and year first above written, year nr l8IXJLS R. BARTON, (Seal.) Auditor cf Public Account. C. E. PIERCE. Deputy. Third Floor, Omaha National Bank Building. Telephone Douglas 380. Insurance is our business not a side line. We employ expert help in every department, and give our business our own direct personal attention, NOT "some of the timer BUT ALL THE TIME. Nebraska State Agent for American Bonding Company of Baltimore. Fidelity, Court, Contract Bonds; Bank, Resi dence and Burglary Insurance of every de scription. Travelers Insurance Company of Hartford, Employer's Liability, Automobile and Boiler Insurance. the Following Companies: flew York Plate Glass Insurance Company of New York, Caledonian Insurance Company of Scotland. National Fire Insurance Company of Hartford. State Insurance Company of flcbraska. Boston Insurance Company (Automobile Department.) Calumet Insurance Company of Chicago. If you are a Banker, Real Estate Agent or Insurance Mn, and desires to repre sent companies in any line of insurance, the facilities of our office are at your disposal. We desire agents in every city, town or hamlet in Nebraska where we are not already represented. We Represent Locally the Following Fire Companies in Addition to the Above: Citizen's Insurance Company of St. Louis. North British Mercantile Insurance Company of England. City of flew York Insurance Company. Fidelity Fhenix Insurance Company of Brooklyn. Sun Insurance Company of England. Boston Insurance Company, Boston, Massachusetts. We Insure Anything Anywhere Stability Accuracy Promptncs! Courtesy CERTIFICATE OT FUBLICATIOH STATE OF NKBRASKA. OFF1CK OF AUDITOR OF PUBLIC ACCOUNTS. LINCOLN. Keb. 1st. 1911. IT IS HEREBY CERTIFIED, That the City of New York Insurance Co., of New York, in the Stale of .-w York, has com plied with thi Insurance Law of this Slate, applicable to such Companies, end is therefore authorized to continue the business of I'iie Insurance, in this State for the current year ending January 31st. 1 tt I 2. Witness my hand and the seal of the Auditor of Public Accounts, the day and year first above written. SILAS R. BARTON. (Seal.) Auditor of public Account.. C. E. FIERCE. Deputy. CEBTiriCATB Or PUBI.XGATIOH" STATE OF NEBRASKA. OFFICIO OF AUDITOR OF PUBLIC ACCOUNTS. LINCOLN. Feb. 1st. 1U. IT IS HEREBY CF.RTIF1KD. That the American BondlnK VnmVny Jit l,al!.. more in the State of Maryland, has complied with the Insurance Uw of this State, applicable to such Companies, and 1, therefore authorized to continue . tho business of Fidelity. Surety and Burg lary Insurance. In this State tor the cur rent year ending January Slst. 1912. Summary of B.port riled for tie Teat Ending? December 31. 1910 INCOME. Premiums $1,271,725.06 A1.' ther 02 :i4t 69 BOTo5i 7.7.7 . . $1,364,067.76 SXSBVBSMEBTS. PHodldi'C5:.... I 284.646.79 All Other Payment, ... .116.73 ,,,,. ADMITTED ASSETS 2,624,927.62 LIABILITIES. Unpaid Claims and . , . Expenses .... 849.906.75 Unearned ... ... Premium. ... 701. 682. S6 ALlablUtle. ... 86.814.96 ll.l.808.5e Capital Stock Paid Up 760,000.00 Surplus Beyond Capital Stock UabtmieY ... 786,624.07 1.486.624.07 Total i'. H.624.927.63 Witness my hand and the seal of the Auditor of Publlo Account., the day and year first above written. SILAS R. BARTON, (Seal.) Auditor of Public Accounts. C. E. PIERCE, Deputy. i i What Can We Do with Roosevelt? A dm BT P. B. HERON. S ALL the big dalllee and other publication. are expressing views at to a place for - Mr. Kooyevelt, we ar going to offer our opinion. We conclude that It Is the desire of the people of the United States that Mr. Roosevelt accept a position in which the greatest benefit to the greatest Dumber, and to the country as a whole, could be gained tbrourh him, and while he I. a man that could have most any posi tion desired, we feel sure that hi. personal pref. renoe I. a. above outlined. To accomplish thla purpose, we therefore suggest that he be made president of the Mutual Life Insurance company of New York. Thla company, because It Is th. largest mutual company in the world, and we believe, and always hare, that life In surance should be made on the mutual principle and not conducted for pecuniary gain or a money making institution. He eould also be on the directory of the New York Life and the Equitable Ufa (the last named company being considered a mutual company), and thus be In touch with the greatest number of individual, and the greatest combination of funds, other than speculative in the world. Now we have our reason, for this suggestion, and will state them briefly. Flr.t Confidence. The association of this popular cttlien with the Insurance business would be the strongest endorse ment this business could receive through any one personalty, and would greatly In crease the confidence of the people In thla ttreat yJ bereflctal Institution In which over one-third of the population has a direct interest, and more than one-half of the remaining two-thirds, an indirect In terest The entire business structure of; thi country lests. in a mi in cmfd ence. and with confidence thus further es tablished In life Insurance, the business would grow even more rapidly than at present, and it Is today doubling earh de cade, with over liVOO.oofi.ooii.Oin now 'n force in this country alone. The gn at strides of the life Insurance business as a whole In the l"nlted States preclude) any one from making an estimate as to what mag nitude the business will some day assume, and a mn in wh im so manv of our pop ulation . have Implicit confidence, and rightly so. will hive a great I f U'tie1 to wards the acceptance of the fuel that !! Insurance I. the greatest Invention of mod ern civ dilation and Die sironiet fac'or for the upbuild and stability of our na tion. Its growth would thus he encouratted and when life Insursnce InrreHRes In any community, that community Is safer and better In every way. With a man of Mr. Roosevelt's standing, ability and prominence, so closely allied to th. insuring (the only stahle) public, would not this man's Influence secure the greatest benefit to (!i greatest number, and would not this great Influence, and Insurance growth following It. be carried to all nation, of the world? Second The Foremost Business. We be lieve the business of life insurance to be the first business in America, and there for the first man of the nation, being a believer and advocate of life Insurance, should be associated with it in a capacity other than a policy holder. Third Insurance Legislation. Under this man, the business, and the interest, of the policy holders, would be beyond the con tinual abuse of ill-informed politicians and over-anxious and slurring yellow Journals. The continued argument and effort to have life Insurance declared interstate com merce could be disposed of expedlously, by Mr. Roosevelt becoming one of a com mittee to draft a cod of law. for the Dis trict of Columbia, with the suggestion that when the law was enacted, that other states copy and put in effect a similar law. Change In our constitution would not be necessary, as is now claimed, the great problem now facing companies aa to what freak state legislatures will do In the fu ture would be solved to a great extent, and many existing discriminating state law now in force would be repealed and the great work continued unhampered, with time alone to solve the cost of insur ance in either mutual or stock legal re serve companies, and assessment Insurance and other nnsclentiflo plans would grad ually wear out and be eliminated. Fourth A Publlo. Benefactor. So closely Is life Insurance Interwoven with our financial and social welfare, and so re sponsible has It become to the solid busi ness in their respective communities throughout the United States, that instead of being looked at doubtfully and with fear, as it was but a generation ago, it In now but a short time when life Insurance will be demanded ' not by r&rt as at pres ent, but by every bank and business con cern as a buslne s asset, as protection by every woman, and by evety father of hla son and son-in-law. Statistics show that no agency 1. so great In the abolishment of poverty and crime, or so gteat for the upbuild and bet terment of social condition, everywhere. Life Insurance Is the strongest Instrumen tality for the equalization of ill fortune, and there U not a hamlet or village in the United States but what has felt its benefits either directly or Indirectly. Some say "the golden age" of life insurance ha. passed, but we say that it Is yet to come. The great economlo value of life Insurance is apparent on every side, and even though It enters every phase of social and finan cial business "life, the business as to Its possible magnitude Is still in its Infancy. Could this great cltlxen in any other way serve the public In such a beneflolent, un selfish or more philanthropic endT We don't believe that stronger argument could be offered for any of the many posi tions suggested for our ex-president. Thirteen Firemen Injured Last Year Chief Says His Men Have Learned How to Protect Themselves at Fires. Though the fire department of Omaha responded to 1.030 alarms last year, but thirteen firemen were injured while on duty. Chief Salter of the fire department characterizes this as a remarkable show ing. Cltlxens. however, were not so fortunate. The records show (hat seventeen were In jured, two of them fatally. Six were slightly burned, as many more severely burned, one sustained a broken ankle and two were cut by glass. "My mn have learned by bitter exir1 en"e how to fight fire," sav. Chief Salter. "Rarely Indeed does one meet with serious accident, though the same cnnn it be said of byntanders and others who freo.uent f.reji." PRESIDENT OF THE LOVE-HASKELL COMPANY. ( h.rrk 1 lab Hmih, The pastor of a Chicago church delivered a sermon recently In which he took the young people to task for unattendanue "at Sabbath or week-day meetings." A fern da) s later he received an unsigned note in which the writer said: "We do not, aa a rule, wish to taku second place to St. LouW, but we must do so until you do for our oung church people what Dr. Torroay, tailor of the Fountain Park Congrega tional church, did for his young people, lis has given them a club in the basement of his church all fixed up for ainusennouls -and it is run without a chaperun. Ulve us '1 ' 1 S a. j. LovE- LOVE HASKELL COMPANY BUSY Bacceasor to the Uresnan-Lore Com pur 1. Doing; Kxteoslve Business. The' Love-Haskell company several months ago succeeded to the business of the Brennan-Love company, which was one of the oldest and largest Insurance con cerns in this section. At the present time they manage quite a territory, represent ing companies in every known line of in surance. Any one placing business with thla agency can secure every kind of In surance without going out of their office. The extensive facilities of this concern are a great advantage to large insurers who require the expert advice and ade quate protection which Is only obtainable in an office thoroughly equipped to meet all demands. Mr. Love is one of the old timers in the inburance business In Nebraska, having been actively engaged in that business In Omaha for over twenty-five years. During this time he has held nearly every possible position in the Insurance field. About ten years ao he organlxed the State Insurance Company of Nebraska, which - is a suc cessful institution doing business in eleven states. AU the capital of this company is owned by Nebraska people. Mr. Haskell was born and brought up In Omaha and has been in the insurance busi ness for the last eight years. He has the active management ot the Omaha business of the Love-Haskell company. that and you will Increase your member ship and don t furgel there will be more marriage fees." PUTS FIRES OUT OF BUSINESS Carbon Tetrarhlorld Not Only Easy to Handle, bat F.fflcient In Practice, Hereafter when one discovers that his house Is on fire he will not call for water, but will cry out, "Where Is the carbon tetrachloride" Water Is a remedy for fire that Is often worse than the disease. It dees much of the damage for which our fire Insurance companies pay, and. liheraUv applied by xenlous volunteer fire compa nies, it Is c.lculatid to ruin Jl1) worth of property for fvry tli destroyed by fire. Evidently a hatmless quencher Is needed, and ca'bon tetrachlorM seems to fill the bill, says the Literary DlRest. The cheap ening of chlorln ras, due to the develop ment of electrolytic processes, together with Improved methods of making carbon dlsulfld, has made the tetrachlorid In wrr-se manufacture both of these sub stances aro used, relatively Inexpensive. The National Fire Protective association In Its quarterly gives out the following Information about the new extinguisher: "Carbon tetrachlorid Is sold In luO-gallon drums and smaller lot. In containers. It 1. acid by weight, there being thirteen and one-half pounds per gallon. Present quota tions are about 10 cents per pound In drums. Carbon tetrachlorid Is a clear. colorless, volatile liquid with an acrreeahle aromatic ordor. Specific gravity i.A'm) and boiling point 78 degrees centigrade. It 1-nnn-tnftammable and non-explosive and tts vapors extinguish fire." la an editorial, commenting on the sub ject, the Electrics,' Review and Western Suggestions for Prevention of Fire Loss BT MERRICK E. LEASE, Manager Insurance Department W. Far nam Smith & Co. ' HE subject of fire protection is w-er-a, I being widely agitated in the I I United States, and rightly so. iiiiuubu iiiv icpi, as wen as through fire protection associa tions, working in harmony with the city and town officials. The reduction of the enormous fire waste of the country, now amounting to 1250, 000,000 a year, lies in the hands of the American public. If it can be brought to realize the enormous drain these preventa ble fires involve upon the national wealth, the hundreds ot lives which are annually lost and that carelessness In one form or another is chiefly responsible, they would check the waste by encouraging individual and municipal responsibility for securing better conditions. The average man ap parently believes that the present propor tion of fires is inevitable, just as our fore fathers believed that plagues and epidemics were Inevitable. The latter were prevented because the people, individually and col lectively, were finally Induced to give heed to proper sanitary rules. Ths epldemlo ot fires could be reduced as easily. If the people, individually and collectively, would give heed to proper rules for the construc tion and care of their property. Much interest is being shown Just now In the subject of fire prevention by the public schools of the county. In several states provision has been made for the in clusion of lessons In fire waste, fire pre vention and the ordinary fire hazards In the course of study, while some states have set apart one afternoon each year as "fire day," when public exercises are held, with essays, discussions, fire drills and talks by firemen and Insurance agents. It Is certain that the American public re quires education in the matter of the fire waste, most of which is due to careless ness, and this education can very well be gin In the schools, so that the younger generation will understand It, with the assurance that the children will carry home with them what they have learned and the matter will become a subject Ot discussion about the family fireside. In Germany the average annual fire loss Is about one-tenth of what It 1. In the United States. Much of this is due to the greater sense of personal responsibility for fires encouraged by the German laws and such education methoda Similar action in SECEETSY-TEEASUB.EE THE LOVE HASKELL COMPANY. . ' t" . 1 i 1. J FRANK. HASKELL, till Electrician notes that the tetrachlorid will be particularly useful In electrical plants, where the danger from water Is especially marked, owing to the deterioration of In sulation almoft sura to follow any contact with water, unless Impervious materials have been used. It says: "Even when the material can be dried out and thus re stored to its original condition much trou ble, delay and expense are often Involved. "The use of sand and of vapor extin guishers has consequently displaced the use of water In many places, and no tele phone switchboard, for instance, 'Is con sidered to be properly protected unless a box of sand Is available behind the switch board. Owing to the compactne'-s of the installation and the difficulty of removing? it, this Illustration presents a ca.e where it Is almost Impost-Ible to eliminate the ef fects of water without completely tearing cut the board. Even Mind, however, has Its disadvantages, and a lhii :; li a blast of vapor leaves no bad cfi'evts, !t is perhaps not so easily hundlci as liquid. An Ideal fli,e-ext1ngul'her would peern lo be a non conduct, ng, nonlnflaimr.al.il and volatile liquid, which would in t a;ta' U inelsl or in sulation and leave no aft r effect?, riuch a liquid seems to have been funnd in car bon tetrachlorid, which I:- now commer cially available ut a reasonable price. It should prove a jm-n Pi tel. phone exchanges, power hout-e.s tu.d fci-r.Uar installations. It Is highly proL;ibl.) that there are other organic cmr.i ounni which would havo the necessary properties, and we may noma day find them." nrralar I of Ncrlpt urea. Commenting on the Rlble tercentenary, the London Chronicle calls attention to a purely secular uo for the Scriptures which it says, is much neglected in England nowadays. Entries of births, marriages and deaths made In the Bible by the h-ad of a family, and also notes of circum stances happening within ins own knowl edge are taken as good evidence, "pre sumably If such entries were nuule. say. In a rihakesprare," odds the Chronicle, "they would not be koi d evidence,, to that we have the curious fact of the sacred n-s of a book conferring value on secular things perhaps the notion Is that peupie would bo afraid to write lylnj statements In the Bible." this country would greatly reduce the fire waste and also the cost of Insurance. In our own city much could be done to reduce the fire waste. Citizens should have both a selfish and a public spirited Interest in co-operating In the work of reducing the fire waste of the country. Their sel fish reason should be the securing of lower Insurance rates and material savings can be effected by the exercise of ordinary care, the removal of rubbish and minor changes. Resides the lower rates, these Improvements' protect life and property by lessening the likelihood of starting fires and of having them communicated from one building to another. The per capita fire loss In ths United States In almost 3 a year. If each citizen's responsibility could be brought home to . him by having a collector corns around once a year and ask him for Vt for each member of his family, as their share In the national carelessness, It might wake him up to an appreciation of hit responsi bility. Every man ran help by being eare ful about his own premises and then seeing that the community has proper building laws, adequate fire protection and a firs warden to enforce proper conditions for the general good. Omaha has a good and efficient depart ment, and good work I. dons with the present apparatus snd facltitles. Many people believe that ths principal occupation of the average fire man Is to fit around the engine house playing check ers. A much better occupation, both for the mnrrils of the department and the bene fit of the rom,munlty and the property owner would he to have the firemen make periodical Inspection of all the risks in their territory. The primary object might b" to see that rubbish was cleaned up, ac ci.niuletlons of pacHng boxes and excelsior rerr oved from rellirs and all the ordinary carelfF ennse of so many fires removed. Such work alore would reduce the fire loss f 'In- nvnure community one-half and :i'1!t!ori value, would onmc. In the as 'lualrtaTice the f.rnmen would secure from .'iirh inspection vlslis of the. physical condi tion of the various risks. After such In fections, es sci n as an alarm comes In from a certain place, the firemen, while on his run. hns a mental picture of the building, the location of the nearest fire "lutr. the best wav of getting Into the hulMlntr. the character of the surrounding structures ar.d nil the Information which will enable him to do effective work at the ery start and stop fires at their beginning. The fire warden Is doing excellent work in Inserting the dlff rent Industries using gasoline and compelling the proprietors to discontinue the open and Indlsorinilngts use of this dangerous article and good results will surely follow his activity In this direc tion. Tho fire department, fire warden and city officials cannot clu It all, but with their food offices Hiid the careful help of ac h Individ lal property owner nd tenant the fire losses in Omala may be greatly reduced and In consequence the average insurance rate much lessened to ths bene fit of all concerned. II