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About Omaha daily bee. (Omaha [Neb.]) 187?-1922 | View Entire Issue (Nov. 18, 1912)
THE BEE: OMAHA, MONDAY, NOVEMBER 18191 2.
1 Incorporated n
I a flock tom-
pany by ' s
tine or Nov
' Home Offlce
Newark. N J
Iff. Bru -axpenter. Manager for
Nobraika and South Dakota.
Cl r -Ht for Infarmttlmi Nut fmr i
Mil All GniHiitw.1 Ixjw rtit rol('l Ov
Two niUlon Ik'lltn lnirnft In forr Oon.1
pe'ilti ejn fcr fTirntli- rrpirwnUllrft
519-23 City national Dank Blag,
Omaha, Neb. Tel. 1378.
The Kqultatile jrtve nbunlnte neeiirltv to It" pollcy-hol Jem and beneficiaries.
Its Five Hundred Millions of Aestts puaranteo the. fulfillment of every
obligation promptly and In full. The removal of nil uncertainty Is Para
mount to every other consideration In a life Insurance transaction, nrhlcn
may cover a period of half n century or more.
rui: kqhtarlk lifk assurance society of the united states
11. I). N1JELV At CO., .Malinger, 401 Ncrcliniits Nal'l Honk Hldg.
K, D. KEELY. JOB KLEIW. E. K. FXCKARD.
are In hoi Mater about their
Insurance bocauso they choe
new or untried concerns. A
policy In the New KtiKtand
Mutual will Btvo you Increased
G. W. NOBLE.
CKAXI.ES X.. KOPPER,
a HITCHMAN, Special Agent.
638-B43 Brandels Bldg.,
CLARENCE N. ANDERSON
THE GERMANIA LIFE INSURANCE COMPANY
430 Be Bldr. Phone S. 3366.
XI you consider either buying or selling Insurance communicate with him.
OF WORCESTER, MASS.
ONE OF THE GUEST 68 YEARS
and Beat Companies on
W. H. INDQE
C8B Boo IJulhllng, OMAHA
Provident Life &
Our low rates guarante to yoa the lowest net coit of protection.
A 80 Payment life, Age 38 1 rirst year, only $33.38; Second year, $39.80.
Xiarffo Increasing cllvldonda aach year.
A. O. MOXKMABf, Agent.
if yonr risk is PREFERRED you can buy
$7,SOO ... 81S.OOO
In THE PREFERRED of N. Y.
for the same, premium that yon now pay for a 83.0C0 $10,000 In other
L.YNNIS D. UPHAM, vianagcr and Adlustcr
1317-18 City national Bank Building.
The capital and surplus of an
insurance company are, by no
means its chief asset
The manner in which an insur
ance company pays its losses, con
ducts its business, protects its cli
ents and agents may be counted
its real lasting asset
It is these assets that have
caused the constant, steady and
profitable growth of the Lion
Bonding and Surety Co., of
Omaha, a western company that
truly merits the support of west
Surety and fidelity bonds, bank
and residence burglary insurance.
Plate glass, liability and fire in
The most liberal health and ac
cident policies to be had.
THIS SPACE RESERVED FOR
TOM S. KELLY
GINKEAL AGENT TRAVELERS INS. CO.
Northwestern Mutual Life
MANN & JUNOD
3118-51 1 RrnndcU RttlldlnR,
Union Central Life Ins, Co.
HARRY O. STEEL
311-313 Bamft-a Bldg. Phona D 31S3
Our 20 .Payment Life
ririt Tear $39.89
Second Year $33.63
Ho Other Company Can Match
The Mutual Benefit Life
XSVABX, MEW JBXSST
GEO. T. BLANDFORD,
City Rational Bank
C. A. BTSB, Bpeelal Agent.
Notes from the Insurance Field
i flHTI TMJ7Q PflMDEMQATIflW APTlUon " Incentive to the oni.
j UUlLlHLNj uUlilruHkmllUN AUl 'Vytr to study out methods and to Incur
P. TniTneti Shi-mo Raw. T.aw nf
Tort is Unsatisfactory.
ANTAGONIZES LABORING CLASS
I.nvr of Xcjtllitence .ot Cnrry
lt Trteorr Into I'rnrtlrr nnd
Wrongful Claims I'revall nnd
.fuel Claims rirjeetnl.
Kpeaklng before the Thursday session
the Nebraska Manufacturers' meeting
last week, P. Teoumseh Sherman of New
York said; '
In order that you may comprehend the
situation with which you are confronted
by the proposed adoption of a compreheli
rive law, I will endeavor to outline briefly
for you tho orlKln, purimse and effects of
tho law or compensation und Its relation
to Insurnnce, and then explain some con
ciete examples of defective anr of effect
ive compensation laws.
You nil know that as between employcis
and employes our law of nes'llKcnce (tech
nically known oh tho law of tort) Is gen
it engenders class feeling between the
employers nnd their workmen; nnd It puts
all classes affectedJudges, Juries, law
yers, Insurers, employers and workmen
In false and unnecessarily antagonlntk
It Is unjust, because: 1. It does not
carry out Its theories In practice. Wrong
ful claims often prevail, and rightful
Claims are ofton rejected. 2. its theories
am wrong. Kor example. Its rule that
tin employe shall be deemed to assume
the ordinary risks of his employment, and
conrcquently shall surfer all the loss
from Injuries resulting therefrom, Is now
almost universally ndjudged to be unfair.
Therefore, to substitute, in tho place of
tho liability for wrongful negligence, u
rule of average Justice, according to
which tho employer Is liable for half the
damage duo to all ordinary work acci
dents, Is, In practice, moi'o Just both to
employers and to workmen.
That han been done throughout the rest
nf the civilized world.
Hut 1 approached this reform from an
othor direction. I won formerly commis
sioner of labor and ex-offlclo' chief fac
tory Inspector of tho state of New York
In studying the problem of the preven
tion of accidents I soon discovered that
It Is tho prevailing opinion of European
experts that to confine the employers'
liability for Injuries caused by lite wrong
doing to the penal law, and to so franio
tho civil law as to hold tho employer
and his workmen Jointly and equally re
sponsible for accidents, nnd consequently
to make the employer pay half fie wage
loss and the Injured workman suffer linlf
the wage lot's -from every ordinary acci
dent, certainly, without chanca of escape
by tho gamble nf a law suit, Is the best
known regulation to decrease accidents In
Wiui is Liberal Limitations,
To be most effective for this purpose
the scale of compensation should follow
the theory Just statod, und bo approxi
mately CO per cont of tho wage loss, which
may bo proportionately Increased only
where workmen contrlbuto or where the
limitations are short or low. But experi
ence shows that It Is better In every way
to be liberal with tho limitations, rather
than to Increase tho scale over W per
cent; and also that a two weeks waiting
period Is necessary to prevent malinger
ing. A few of tho Buropeon laws give
small flat rates of compensation, without
regard to wages. They uro really laws
for poor relief; and admittedly have no
relation to Justice and no effect In the
way of accident prevention.
Therefore a 00 per cent compensation
law should bo tho substitute for tho law
of negligence us between employers and
thn'r workmen; and would be both a
measure of private Justice and a public
tegulutlon for accident prevention. Al
'wuvs bear1 In mlndttheec two purposes.
ElwflUVo compensation laws (such as
have been adopted in many of our states)
are makeshifts to avoid a constitutional
doubt or difficulty. There aro serious ob
jections to their provisions designed to
force the election by employers of the
compensation liability. Therefore such
lnws should be regarded merely as tem
porary expedients on tho way to compul
sory compensation. The danger from
such elective laws tiKthat they may lead
to the adoption of an absolute uaDiuiy
fnr enmnensatlon for nil Injuries regard
less of caiiBe In addition to the existing
llftbl'.ltv in tort, Instead of to tho adop
tion of the compensation liability as a
Buh.tiiiiin fnr the tort liability. "Whether
your law should be compulsory or elective
la a question of expediency, for local
counsel to decide.
Now as to Insuranco:
Tn.H.BnKA in m-t Ttinro an essential feu-
turn of tho compensation law than It Is
of the tort law. ....
Uut tho, tort law is to a nigu "chjcu u
law cf punishment ror wronguoors.
whereas the compensation law drops the
Idea that Industrial uccldents ore gener
ally due to wrongs, uui nnuuir iwn
generally to unavoidable happenings, ana
thoroforo does not seek to punish any
body, but to distribute relief among the
victims, nnd consequently Inclines to
wards providing assurance of such reller.
And In foreign countries tho compensa
tion law In often associated with sickness
and old age insurance or Incorporated In
bioud mutual benefit schemes.
nruinmlH for lnnrncc.
Therefore, nnd because of tho broad"-,
oppllcatlon of tho compensation liability,
tho adoption of a compensation law lead
naturally, not only to a wider demand
and a grwtcr need for Insurance, but also
to a .social demand tor Insuranco aimed
more directly for the beneflt of the In-
3UImirance has tW6 purposes: 1. For
the employers' beneflt-ito distribute their
risks S. For the workmen's bcneflt-to
secure to them tho payment of their com-
InsuVan'ce should effectively serve both
Tut VnSce under obr tort laws has
rt&iTIR rsmnlfled the em
ployer against his workmen, so that, for
example. If .in omployr hecorrjes t ink
rupt and does not pay his liability tho
insurer Is not liable ond the Injured work,
man receives nothing on account of his
llhhmMun Insurance has generally been
limited In amount; and that amount has
often been lew than the liability of the
...i. ..r 'rim hm divided responslbll-
Ity and lfl to abuses to the prejudice of
lire injurru numiuoi..
These abuses must be corrected. To
' correct them It should be required by law
itnat all employers' liability Insurance
I shall run directly for the benefit of the
1 Injured workmen, and that tho Insurer
shall underwrite nothing less than an
employers entlro compensation liability.
Ilut there Is u specific danger under
the compensation law that Insuranco may
thwart tho purpose of that law as a regu
lRilnn for nrrldpnt prevention. If the em-
iployer with n nigh rifK is enaDieu 10 m
Isure his liability at the same rate as a
competitor with n distinctly lower rlk;
I or It an employer with a low risk is com-
i ..u'lail in ,.nv ftm Vila InKiiFQHPA lllA aniim
k T . .!. t.u .1 nl
ruin Mil h iviuirvmur wmi a uibiiihh)
i nigner risK, me eiieci or tne compensa-
Ju J. Z.OVE, President. FRANK j. KAIBKTTT.&, Secretary.
314-324 Omaha National Bank Bldg.
EVERY KNOWN KINO OF INSURANCE
PATRONIZE HO VIE INSTITUTIONS
XEie State Insurance Company of Nebraska
A. J. I.OVE, President.
rAnlll . UCUICUO IIIV llllltn III UH1CI IU
.out down hi rate of Insurance, will be
Therefore Insurance rates must he dif
ferentiated fairly according to compara
tive risks, as determined (a) by expeil
ence. ami (b) by physical and moral
And In return for premiums paid the
Insurer should furnish beneficial Inspec
tion. Finally, Insurance must be sound. Em
ployers should not pay for Insurance,
nnd then have It happen either that they
nre subjected to a ruinous liability oi
that their Injured workmen do not re
ceive their compensation from the In
surance. Insurance it Coin jiuliiorj'.
Insurance, therefore, should operate to
Indemnify both (lie employers and their
workmen, should be procurable nt prop
erly differentiated rates nnd should be
sound. These tests should bo applied to
all Insurance schemes.
Insuranco should nut be made compul
sory except when and where that may be
found to bo necessary In order to prevent
employers' liability from becoming vain
and useless as a source of relief to In
jured workmen. Railroads and other
largo establishments having their risks
well distributed may properly carry their
own Insurance, nnd It would be an im
position upon them to compel them, to
Insure simply to round out a paper
scheme. , And Kngllsh experience Indi
cates that It Is not necessary to compel
Insuranco In order to secure relief to the
Injured. In England, where Insuranco Is
voluntary, experience shows that employ
ers generally insure for their own pro
tectionso generally that In England thei'o
Is almost no record of loss of compensa
tion by workmen on account of the bank
ruptcy of employers.
Even If Insurance should be made com
pulsory tho widest cholco should be per
mitted lu. methods of Insurance. Other
wise we would run Into tho evils t
monopoly or near monopoli'. All foreign
countries except Germany, Austria. Lux
emburg lind Norway give employers soma
cholco as to how they shall Insure.
Now as to the cost of Insuring compen
sation. Under ha compensation law you
must pay something for about 99 per cent
of all Injuiles lasting over say two
weeks; while under our negligence laws
you havd only paid forNabout 20 per cent
of Injuries. Although the amounts pay
able under a compensation law will bo
limited yet the' aggregate will be very
much greater than before. And when
you como to Insure you will not be able
to Insure for u limited amount, but must
cover your aggregate contingent liability
in the event of a disaster. So thut It will
cost you on tho average three, four or
live times as mucn to insure as ocrorc.
In England tho change from the negli
gence law to the compensation law In
creased rates at once about six times,
and experience has shown that that was
not quite enough. Study the problem In
telligently and you will see t,hat when you
buy insurance against tho liability for
compensation you get something that Is
mucn more expensive than Insuranco
nunlnst the liability for negligence: and
don't be gulled Into any unsound Insur
ance scheme which promises low Initial
rates ror ir such rates be below cost
they cannot bo maintained. Such rates
may bo simply enticements Into a bunco
gnmo of which you employers will bo the
There are varlotis methods of Insuring
comixmsatlou. The more common ore:
1. In private companies. 2. Im mutual
associations. 3. In Joint benefit funds.
I Inn state managed fund or funds, as
In Ohio and Washington. 6. By the state
Itself, on lu Norway. C. In a state guar
anty fund, as In France, Belgium and
Except to take care of such exceotlonnl
classes of risks as cannot Becure nrlvnto
insurance on proper terms and conditions,
stnto Insuranco has no advantage unless
it ue given a monopoly. State Insurance
offices abroad have, never beon able to
hold their own In general competition
with other Insurers unless favored by
public subsidies or by special privileges.
Monopolistic state insurance has the
solo advantage that it eliminates the cost
of competition from expenses of manage
ment, nut. except under peculiar condi
tions llko those of Norway, this saving
is ncany orrset uy tne relatively h gher
cobI of public service n comparison with
the cost of private service;
And, as against any possible saving In
expenses of management, monopolistic
state Insurnnce has overwhelming eco
nomic, social and political disadvantages.
to bo explained later.
Stato manager fund Insurance Is even
worse. It has nearly till the defects .of
pure state Insurnnce, and In addltton:
in tne Ohio form, it is unsoima ana
docs not Insifre compensation! that Is, It
does not guarantee tho payment of com
pensation to Injured workmen.
In the Washington form. It does not
adequately dlstrlbuto employers' risks.
State guaranty Insurance is only hair
Insurance It docs not Insure employers
at nil, It Insures only tho workmen.
So far I have dealt In generalities, I
will now briefly expluln some concrete
examples of compensation laws.
iriTH- Assumes Liability,
In Norway tho Htato Itself has assumed
tho liability to pay compensation for In
dustrial Injuries, and taxes employers, at
rates graded according to rough estimates
of the degree of risk in tholr' respective
trades, to maintain iv fund out of whicn
the state pays the compensation. Gov
ernment officials do everything manage
the fund, fix the rules for tho trades, as
sign tho employers to trade classes. In
vestigate claims nnd decide and Pay the
awards. There Is no "come back" on em
ployers after they have paid their annual
premiums; If the premiums prove .to ne
Insufficient the, stato loses and taxpayers
must maKo goou tno uencieney. this
happened once, and there was n serious
political struggle before It was Settled
who should lie taxed td maku good the
deficiency. This method of Insuranco Is
not without advantages In tho wuy of
economy of administration In a. thinly
populated country with widely distrib
uted petty Industries llko Norway, but
there are serious objections to it for an
1. It results In a practically "flat" rate
for all employers In each trade, without
proper regard to the variations In haz
ards In different establishments. That
removes tho economic Incentive to acci
dent prevention, slnco each omployer
knows that his competitors must share
equally with him In any losses from the
ha turds of his business; and it penalizes
the better employers by Imposing upon
them u large share of the losses of their
more careless und poorly equipped com
petitors. Tho differences In risks be
tween establishments In-the same tradt
are often fur greater than the differences
between average risks In different trades,
The Injustice of and harm from putting
bail risks' and good risks on the same
plane cannot be overemphasised.
2. No proper progress has been made In
differentiating the rates fairly for the
different trade classes. Some have long
been taxed double their trim risk cost,
while others have been favored with rates
W per cent below cost. The apparent
policy han been to shift part of the cost
of tho hazardous Industries Upon the
safer Industries. Employers are abso
lutely at the mercy of the officials as.
to which of several trade classes they re
spectively are to bo assigned to and con
A. J. I.OVE, General Manager.
sequently to which of several widely
dltterrnt rates they shall be taxed.
3. The allowance of claims and tho ad
justment of awards are absolutely In the
discretion of administrative officers. Em
ployers have nothing to say about the
management of the fund, and no check
ut all upon the allowance of claims
against It They merely foot the bills.
Kurnpean experience Indicates that this
practice results In extreme laxity In pre
cautions agaldet fraud and exaggerations,
nnd In a tendency on the part of offi
cials to misuse their powers to distribute
political favors or charitable relief nt
Without going further Into details, this
method of Insurance may be fairly' de-
Scribed as n scheme to avoid the diffi
culties of adjusting and securing private
rights and liabilities between employers
and employes by turning the whole mat
ter of compensation over to a political
bureau with power to tax employers and
to dlstrlbuto the proceeds among em
ployes about ns It pleases. If this be
good practice In regard to compensation,
why should not all other private rights
and liabilities be adjusted nnd secured
m the same wayT The answer Is because
that would be mire soclnllsm. So. aluo
Is this schemo socialism partial, but pure.
The Wnshlngston Law,
The Washington law Is somewhat like
the Norwegian law. except that the stato
does not Itself insure or guarantee tho
payment of tho compensation, nnd that
employers are divided Into trado classes
and those In each class taxed lor a spe
cial fund out of which compensation Is
to bo paid to all workmen Injured In that
trade, if the runu is exnaustea xne em
ployers In that trade class are Blibjeot
to assessment to make good the defl
clency, Tho rates for each class aro fixed
by' statute, but tho officials ore empow
ered to Increase the rate for unusually
dangerous conditions. This law Is not only
an accident breeder, because It does not
differentiate rates, but also Is grossly un
just to employers and particularly to the
higher classes of employers and for the
The compensation law In Its simple form
as in England and tho majority of for
eign countriesmakes tho employer liable
as an Insurer of his workmen Ip limited
amounts. That liability subjects the
overage employer to serious peril of
financial ruin, unless at a reasonable rate
ho can reinsure and distribute his risk.
Now, what the Washington law docs Is
to make each employer not only an in
surer of his own workmen, but also an
insurer of nil the workmen of all his
competitors In the same trade, thus mul
tiplying his risk, nnd It then taxes him a
heavy premium as If for insurance, but
does not insure him, does not Indemnify
him, does not distribute his risk. Tuko
the case of the Dupont Pawder company,
which Is In the samo class with two
othe smaller concerns,, and In the first
yeor of tho Washington law was tnxed
10 per cent on Its payroll, or H,40O, os
ngalnBt some $2,400 from Its two competi
tors together. One of thoso other con
cerns blow up and killed six persons. The
amount of the liability to their depend
ents Is not yet determined, but may bo
or might have been t32,000. And whatever
tho excess of that liability over the
amount in tho powder trade Insurance
fund-be It J15.200 or less-85 per cent Of
It Is to be assessed back upon the Dupont
company. So, when the Dupont company
paid $14,100 It did not procure Insurance,
but remained liable for S5 per cent of
any deficiency in compensation due by
tho fund to all workmen In powder mills
In tho stato of Washington. To procure
Indemnity such as the English employer
gets when ho buys Insuranco the Dupont
company must still go out In ttla open
market and buy real Insurance, under tho
same conditions ns-but for a much larger
risk than before the adoption of this
fancy scheme. Whatever may be said In
criticism of tho state Insurance schemes
of Eurqpe at least none of them aro nt,
bnd ns this.
But In America we have ono law yet
worfcc, namely, tho Ohio law, It is not a
compensation low In theory, for -while It
provides compensation for a workman In
lured from his own fuutt. yel it retains
the 'employers' liability ror rull damages
for the faults of hlinselr and all his em-p'.oyes-i-provlded
those fuults are. viola
tions of statutes, it thus retains nl t ie
evils of tho old law, Its speculative liti
gation, its uncertainties for employers.
Its expense and waste: nnd It will simply
breed accidents by holding employers re
sponsible for ull faults, und workmen re
sponsible for practically no faults. It Una
already manlreBted the abuses or a politi
cal bureaucracy. And with nil that It
provides no certnln Insurance for Injured
workmen. It Is an abomination In theory
and practice, that, will ruin Industry.
I recommend uni adaptation of the Brit
ish law. Under that law each employer
Is liable for approximately onehalf or the
wage losses from Injuries to his own
workmen, and to no others. And the em
ployer Is free to Insure as and how his
own Judgment and best Interests may dic
tate, If satisfactory to him he may buy
his Insuranco from private companies
(which In England liave differentiated
rates carefully, and sell Insurance
chcftiilvl! nr. If ho ti refers, he mar asso-
rclate with others or his own selection In
a schemo or mutual Insurance; or lie may
Join with his own workmen In a scheme
of broad mutual benefit Insurance which
covers the compensation liability. In
placing his Insuranco and' In adjusting ms
liabilities tho English employer Is free
and not under tho thumbs of politicians.
Mutual Insuranco (which the German
law makes compulsory). In my opinion.
Is not tho best form of Insurance. It
requires of employers that they carry on.
on the side, n highly technical business
In which thoy nre not expert. That not
only calls for a great deal of time and
labor, hut often results In ruinous mis
takes. And where n mutual association
In composed or antagonistic elements, the
position or the minority party Is lament
able. Generally Insuranco should bo
bought from those who make It a busi
ness to sell It. But as a check upon Im
positions by organised insurers and ns
an alternative under special conditions,
mutual Insurance In voluntary associa
tions, organized on trade lines. Is very
valuable. It should, however, therefore,
be permitted, not only In one association,
but In many associations subject to state
regulations o-nd ofriclal supervision.
W. A. Horton or Omaha, has con
tracted to wrlto lire Insurance for the
Union Central Life Insurance company.
A. W. Perry, secretary of tho St. Paul
Fire and Marine company, was In Omaha
Frank U Eboy of Topeko, state man
ager In Kansas for Missouri Fldelty and
Casualty company, was In Omaha last
week visiting J. K. Austin,
Thomas E. Gallagher, general agent for
the" Aetna Fire Insuranco company In
Chicago nnd Charles Elgas, state agent,
were guests at the luncheon held In thu
"blue goose" room last Monday.
Frank E. Martin, secretary of Now
Hampshire Firo Insurance company of
Manchester, visited his agents, the Foster-Barker
company, last week. Ills visit
had reference to tho appointment of a
special agent for tho company to suc
ceed C. W. Krueger, who has been trans
ferred to Colorado.
Key to the Situation Bee Advertising.
WK R. AKSCAHSON, Secretary.
vt a national ny)
An army of men leave
their homes each morning
and never return. They
meet their fate in a thou
sand different ways, many
of which you are subjected
to each day.
No man can affoord to
he without an Accident
The cost is small, and
the benefits are great."
National Fidelity & Casually Co.
Xat'l Pidellty Is Casualty Bldg.
Edwin T. Swobe, V. Pres. and Oen'l Mgr.
Jay D. Foster
W. A. Vonson, President.
Wm. Ii. Wilcox, Vice Presldont.
B. L. Baldwin & Co.
BEST EQUIPPED AdENCY TO
Tour Insurance Interests.
STRONG OLD LINE INSUR
Phone D 371.
E09-810 rirst National Bank Bldg.'
MARTEN BROS. & CO.
BARKER BLK. TEL. DOUG. 735
Byron R. Hastings.
Hastings & Heyden Insurance Agency
In OUI Iilno Companies. Wo Adjust bosses.
1014 Harney Street. Tel. Douglas 1000.
Everything to Commend It
A Western Life Company of great financial strength.
Mortality cost very low.
Expense of management reduced to minimum.
Prompt payment of death claims.
Accumulated assets, $3,588,843.00.
Capital and surplus, $750,000.00.
Business in force, $30,000,000.00.
The Bankers Reserve Life Compaay
B. H. Robison, Pres. Home Office, Omaha, Neb.
Creigh-Baldrige & Go.
It is MONEY In your pocket to
placo insurance with the agency
that looks after Tour interests
when you 'meet with a loss.
We do- this and have for twen-
' ty years. Our policies nro best
ti let us convlnco ypu. A telephone
call will bring a representative. 'j
$ j, K. Baldrige John W. Madden
I-' P. A. Crelgn.
'Phone, Douglas 970. -:
BOOST POS OMASA '
The Columbia Fire Underwriters
Home Offices Entire Third Ploor SXercnaau National Bank Building. '
y Phone Booslas 451,
S, O. Talmagc, Manager. U. E. X.eaae, AnUtant Manager.
J. H. Mitlien Go.
921-4 CITY NAT'L
Phone Doug. 29
I OP ALL KINDS.
1511 Dodge St. Phone Doug. 186
PLATE GLASS BOILKR
200 First Nnt'I Rank Rldg.
Telephone Douglas 723.
All Its Branches !
Howard Co. I
: -:- -: 328 Bee Bldg. I
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