3
News From the Insurance Field
THE TEST Bow were your tornado losses settled prom: tty and falrlyt
That Is exnitly what our patrons oro pleased about
promptness and fairness.
Nat IVlelstei
GENERAL INST HA NCR
1313-14 CITY NATIONAL DAWK DtTXIiSIKO. . FhoneiBoug, 1703.
tiALDRIGE-MADDEN CO.
GENERAL INSURANCE!
Pbons Bong. 300.
Be B-"dlc-
VIEWING ADTOSWITII ALARM
AUTO OWNKR8 SRKK
INSURANCE MEN AT FREMONT
J
LIABILITY 1NBURANCK
THE BEE; OMAHA, .MONDAY, MAY 5, 1013.
--INSURANCE-
F1HE TORNADO Al'TOMOIJIIiK PLATE GLAB9 BOlLEIt
UUKGLAUY HEALTH nnd ACCIDENT
ALFRED C.KfclNINOY
209 First Nat'l Bank Bldg. Phono Douglas 722.
Ih GERMANIA LIFE mrpany
Has an unusually good opening for a man of character ar.d ability In
oach of tho following cities In Nebraska Kearney, Hastings, Mlmlon,
and Central City. Address",
CHAS. HATiL JOHNSTON. Mgr., or GEO. SUTHERLAND,
130 Deo Dldg., Omalin, Neb. Iist, Mgr., Grand Island, Neb.
Seek no Further
LION HEALTH and ACCIDENT policies cannot be ex
celled. Its UNLIMITED policies can be issued inany
amount desired by the Business and Professional man.
Smaller policies are issued in all classes. There are none
better ask the man who has one.
Lion Bonding & Surety Co.
9th Floor W. 0. W. Bldg. Phone Douglas 678.
v
Liberal Business Methods Low Cost of Manage
ment Policy Contracts that Appeal to
Hard-Headed Business Men.
These are some of the secrets of success of
THE BANKERS RESERVE LIFE COMPANY
OF OMAHA. 1
UASCOM H. ROBISON, Pres.
RAY O. WAGNER, Sec'jr.
(
I Jay D. Foster
HP" n
rosier-BarKer uompany
Successors to
B. . Palmer Son & Co.
Accident & Health Insurance
LIBERAL CONTRACTS J
Losses adjusted by us right here
in Omaha.
Brandeis Bldg,.
The Omaha Cyclone, the Dayton
Flood, also, tho many other catas
trophes which have recently occurred
throughout tho nation has Impressed
every man with the Importance of
Accident Insurance, for It Is the,
height of folly for any man not to
protect his most valuable asset, "the
money value of hlB time."
National Fidelity & Casualty Co.
policies are the most liberal.
Patronize a Home Company.
National Fjdelty &
Casualty Company
National riflellty a Casualty BuUdln.
An excellent opportunity for live agents.
Hot weather
1
A few rooms are to be had in
THE BEE BUILDING
The Coolest Building in the City
We will be pleased to show the rooms
Apply to N. P. FEIL, Secretary,
Bee Business Office
R. L. ROBTSON, Vice Pres.
WALTER G. PRESTON, Treas.
1
Joseph Barker
4t
Phmne Dmug. 29
J. H. Mitiien Go,
INC.
021-4 CITY NATIONAL
BANK BLDG.
Surety Bonds, Employers lia
bility, Automobile Liability,
Bnrrlary, Plate Glass.
INSURANCE
"State Mutual Life"
OF WORCESTER, MASS.
CKEOFTHE OLIEST-lt YEARS
and Best Companies -on
Earth.
W. H. INDOE
General Agent
053 Bee Building;. OMAHA
1
is approaching
This is the season
when a man, spend
ing a large part of the
day in his office, is
looking , for an office
in a cool building
J
Accident Claims Increase Since Ma
chines Came Into General Use.
POSITION OF INSURANCE FOLKS
Drlvlnir a Car Mar Soon 11 p Classed
as a Hasnrdona Occupation,
vrlth Possible Ailrnnc
In nnten.
Companies that are writing accident In
surance aro beginning to look upon the
automobile as a vehicle tended to ma
terially reduce the surplusses that have
been accumulating during the last yearn,
In fact. It Is ald that the ravages of
tho automobile Is giving the underwriters
more than ordinary concern.
Accident companies have been given
some severe Jolts In the post, but they
have recovered from them In good shape.
Now it begins to look as If this is not to
be the result If they continue to write
policies on people who drive machines
or rldo In them, unless the rate Is rallied.
Since the automobile came Into general
use, one leading accident company of the
country finds that 8 per cent of the ac
cident claims come from automobllo ac
cidents and that they caused 14 per cent
of the company's losses for accident
claims. Other companies ore said to have
fared equally as bad. If not worse.
One company that had 59,833 claims filed
against It last year, discovers that of this
number 2,439 were due to automobllo ncct-
dents and that they averaged per
claim, a much larger average than In
claims of other classes.
Already some of the accldent'companles
are out with new policies designed to fit
the people who make It a business of rid
ing In automobiles. They will not apply
to the man or woman who rides occa
sionally, but will be Insisted upon If the
applicant for .'indemnity Is a regulor
patron of the car. Other companies are
looking with favor upon tho plan adopted
by thin company and It Is tho opinion of
Insurance men generally that the time Is
not far distant when car owners and
others who make It a business of driving
machines will have to pay an extra
charge or have the benefits reduced In
case of accidents.
Now n Risky Occupation.
Driving an automobile for pleasure In
the post has been looked upon as some
thing of a gentleman's occupation and It
has boen the theory of rating experts that
such an occupation could not be attended
with an extra hoiard, but In making up
the summaries they have discovered that
they have labored under a mistake.
As a rule all car owners carry acci
dent Insurance and while they do not
expect to have accidents, they have oe-
coma very frequent. In many companies
the Injured persons have drawn a double
weekly Indemnity, as the policies have a
clause providing for double pay In case
the Insured l Injured while riding In or
on a machine that Is propelled by power
generated by the use of gasoline or steam.
Experts of many of the accident com
panies are beginning to lean to the
opinion that It Is more hazardous to ride
In an automobile than a steam car and
that compared with tho number of people
who ride the number of accidents axe
much more numerous.
In the past If a man who was pursuing
an occupation such as are found In the
ordinary walks of life owned an auto
mobile, he woo considered In the preferred
class and was written at the lowest au
thorised rate. This Is likely to be changed
In the not far distant future and when
the' change comes aboutthe man with the
car, especially the one who Is in the
habit of speeding It up of an evening on
the boulevard, will have to pay about
the same rate as the raJlroad engineer
and other parties who engage In a nai
ardoas occupation.
Key to the Situation Bee Advertising.
NEW INTERNESJN HOSPITALS
Omaha Hospitals Furnish Nine Posi
tions to Creighton Graduates.
TWO WOMEN SECURE POSITIONS
Mlu Cecil Dnrhnm and Miss Brtma
Ackernian AaslKited to Grace Hos
pital in Detroit Twenty
One Get Places.
Positions of Internes In hospitals have
been granted to twenty-one out of a class
of thirty-nine students who graduatea
from, Creighton medical college last Mon
day night. These places, located In In
stitutions In several states, have been
obtained by competitive examination and
remainder of the class, eighteen In num
ber, will take the state board examlna
iinn In th different states In which
they wish to practice. The Internes will
at once" enter upon their new duties.
Nino of the graduates who were given
lnterneshlps are Omahans, and nine .of
the positions are located In Omaha hos
pitals, though they are not confined to
Omahans. St. Joseph's hospital offers
seven such places, the largest number of
fered by any single hospital on Crelgh
ton's list. Those who will begin their
careers as doctors there are; Max Flo
thow, Thomas Thornton, Edgar Cllne,
James McGavln and Robert Maglrl at
Omaha;. Charles Edwards of Beaver City
and Philip Levey of New Haven, Conn.
Joseph Borghoff will enter Clarkson hos
pltal, while Claus Delfs will take the
Swedish mission. Both are Omahans. Ed
ward Ash of Omaha will go to Mercy
hospital nt Council Bluffs.
Two Internes are women, although there
were only three women graduates. Miss
Cecil Durham, residing at 105 North Twen.
ty-flfth street. Council Bluffs, and Miss
Emma Ackerman of West Point have
been assigned to Grace hospital, Detroit,
Mich. Miss Durham will leaye for Detroit
July 5, while Miss Ackerman will pot
leave until the beginning of December.
The list of twenty-one lnterneshlps Is
the largest ever granted to Creighton
MiriAtitn. thn nrevioua record being
twenty, awarded last year. The remain
der of the list follows:
Cliff Sells of Necla. Ia., St. Mary's hos
pltal. Minneapolis, Minn,; Joseph Urldll
of Able, Neb., St. Vincent's hospital,
Portland, Ore.; William Hombach of
rVinnHI Tlluffii T . St. lYftnrl' TfnsDtt&l.
Colorado Springs, Colo.; George Mattlson
of Ponca. Neb., Bt. Francis- hospital, col
orado Springs, Colo.; Delbert Hlbberd of
Kearney. Neb., St. James' hospital, Butte,
Mont.; Vaughn Caughlan of Omaha, St
Anthony's hospital. Denver, Colo. One
xrmiltifltA in Rt. JbmiK hnsnltnl. Hntt.
Mont, not yet, chosen. One graduate to
The demands for liability Insurance
from automobile owners has Increased
fully 10) per cent within the lost sixty
days. Prior to this spring there was
little doing In this lino of insurance,
but now It has become one of tho big
gest adjuncts to tho local Agencies.
The demand fox liability Insurance
from the automobile owners to a large
extent comes from tho won vhoso w.lves
drive cors, which Is taken to mean that
more women arc using automobiles than
ever before.
Insurance agents who write liability
risks say that as a arulo women are
careful and proficient driver, and that
under ordinary circumstances they use
excellent Judgment In handling ma
chines. 'However, when put to the test,
they often lose their heads and forget.
or fall to apply the emergency broke
at a time when It U most needed.
TORNADO LOsiKsTnK
ABOUT ALL SETTLED
Insurance agents of the city say that
fully S5 per cent of the losses brought
about by the tornado of Easter Sunday
have been settled and paid In full. Of
the remaining 5 per cent, S per cent
are In course of settlement, the delay
having been caused by fallum to come
In and make proof. None of the com
panies carrying risks resisted payment
and most of tjiem paid on the policies
within a day or two af(er proof was
made.
On the start there were somo com
plications arose In coses whero fires
started In tho wreckage and destroyed
what was left by the wind Still, this
was not serious, for most of tho fire
companies came to the front and paid
where they carried pollclos on such risks.
CLANCY CANDIDATE"
FOR COMMI8IONR,
Charles Clancy of Omaha, long engaged
in tho Insurance business, has announced
his candidacy for the 'position of Insur
ance commissioner, an office to bo filled
by Governor Morehead. Tho recent
legislature passed a low creating the
office which, to a large degree, .takes
tho Insurance business out of the hands
of tho governor.
A few days ago the Omaha Insurance
men, those In all lines got busy nnd
at a called meeting, they voted to give
their unanimous support to Clancy.
Agents out In the state havo been en
listed In tho cause of' Clancy and In a
large number of towns whoro there are
branches of the state association he
has received tho endorsements.
EDITOR H. P. GOODWIN
EXPRESSES GRATITUDE
H. P. Goodwin, associate editor of the
American Agency Bulletin, ono. of the
leading Insurance papers of the country
writes the secretary of the local fire
underwriters' association, asknowledglng
the receipt of a clipping from tho Bee
In which a report of the address of
President J. II. Southgate of tho National
association was given. He expresses his
appreciation and gratitude.
President Southgato was In Omaha re
cently and at the time was the guest of
the local ssspclatlon, He was tendered
a banquet at the Commercial club, nearly
100 covers being laid. Following the din
ner, he delivered an address that was
enthusiastically applauded and was voted
one of the best talks delivered In Omaha
In many a day.
Fonnil n Cure for niirumntUtn.
"I suffered with rheumatism for two
years and could not get my right, hand to
my mouth for that length pf time,"
writes Lee L. Chapman, Mapleton, Iowa.
"I suffered terrible, pain so I could not
sleep or lie still at night. Five years Ago
I began using Chamberlain's Liniment
and in two months I was well and have
not surrfed with rheumatism since." For
sale by all dealers. Aaverttsement,
St. Mary's hospital, Pueblo, Colo., not yet
chosen.
A number of graduates of Creighton
law college will locate in Omaha. A
diploma from Creighton admits the holder
to practice without taking the stats board,
examination.
Those who have announced their in
tention of beginning their careers In
Omaha are: Francis P. Matthews, Phil
lip B. Horan, J, F. Cannelly, J, F. Bur
ger, William Grodt'Ssky and Gerard
Rademacher, John vf. Delehant will go
to his home at, Beatrice; John Hopkins
has accepted a position as deputy sheriff,
C. D. Fletcher will locate at Schuyler,
Charles Fianery at Lexington, W, H.
Scott at Davenport, la.; Howard Craney
at Independence, la., and J. T. McGuckln !
at Council Bluffs.
Student Leave for Homes.
The commencement exercises marked
the close of the regular eight months'
courses in the law, dental and medical
departments, and the students have, with
some exceptions, left for their homes.
The only classes now being conducted
In the professional departments are in
the pharmacy college, where the special
class, which enrolled last Christmas, will
continue work until July.
At the arts department the regular
classes are held, and the ten-month
course will end about June 20.
The enrollment for the last eight
months' work was highly satisfactory to
university authorities. At the close of the
previous year the total enrollment was
67. while the total at tho time of the
dismissal of the professional departments
this year was 1,083, an Increase of 116.
The number of students graduated.
ninety-four, Is the largest of any previous
class.
Plans are now being made for a sum
mer school at the arts' college.
Fontenelle Hotel
Named by Lessee
Tha name "Fontenelle" has been chosen
for the new 11.000,000 hotel, according to
word received by friends of W. R. Bur
bank, lessee of the establishment. Bur
bank's stat!6nery Is headed 'The Fon
tenelle Hotel" and permission to use this
title was given by the company's di
rectors. Logan Fontenelle, after whom, the" hotel
Is named, was bornfay.t. IS2S, at Fort
Atkinson near the present site. of Fort
Calhoun, which at that time was a gar
rison, His fattier, Luclen Fontenelle, who
traded with the Indians, bought the trad
ing post at Bellevue from P. A. Sarpy,
from which place Logan was sent to
school In St. Louli.
Key to the tiltuatlon-Ute Advertising,
Large Attcndanoc is Promised at
Meeting to Be Held in June.
MOVE TO SECURE NEW MEMBERS
Must Interest In ltrlnw Tnken nmt
lrnarnii Provlilrn for it Number
nf Cioml Thliit? IlurltiK
the Srnntitti.
The annual convention of local fire
Insurance agents of Nebraska lias been
called for June 17-1S and Is to bo held
nt Fremont. Indications promise an at
tendance Hint will run Into the hundreds.
Fremont, however, has prepared to take
caro of all the visitors In the best kind
of a manner. The hotel facilities of the
city are. better than are usually found
In a city of tho slro and then, If there Is
an overflow, residents have served notlc
that they will throw open their homes.
While the entertainment Is being kept
something of a secret, tho personell of
tho committee In charge Is nsstirntica that
nothing will bo left undone and that
visitors will be kept busy during both
of tho two days: The chairmanship of
the committee has been turned over to
C. C. Pollard, who Is a known hustler
and to assist him In the work, Paul Col
son, former president of the Flro Under
writers' association has been added as
a member.
Already Invitations have been sent to
all of tho fire Insurance agents In the
larger towns of tho state and generally
they have signified their attention of
dropping business and attending tho Fro
mont meeting, one day and probably both.
Tho membership committee of tho as
sociation, mndo up largely f Omaha
fire Insurance agents, have token the
matter In hand and are co-operating with
tho Fremont agents with a view to secur
ing men members and pledging them to
attend In order that the meeting may bo
a hummer.
Tho program or the Fremont meeting
will be out within tho next few days and
whllo perhaps It will not be lengthy, it
will provide for a variety of good things.
There will be a number of addresses, dis
cussions and some music.
Insurance Nates.
J. D. Fostor of the Foster-Barker com
pany Is In Chicago. From there he will
go to Colfax Springs to remain a few
days.
K. II. Lulkart, vice president of tho
Lion Bonding compnny, hns moved Into
lils new home, 3401 Hawthorne avenue,
Ilemts park.
W. A. Willing, assistant superintendent
of agencies of the Equitable Llfo of Des
Moines, was In Omaha last week visiting
tho llfo Insurance agencies.
L. Ray Wilson, formerly of Omaha, but
now of Salt Lako. has secured the Utah
agency for the accident dopartm'ent of
mo uion uonuing company or umuhn.
Dr. John Gray of Salt Lake, stato man
ager for Utah of tho Lion Bonding com
pany, was at tho homo offices last week.
In the future ho will take on surety linos.
Colonel William W. Hording, sneclal
agent for the Springfield Flro Insuranoo
company of Springfield, Mass., was In
Omaha last week, looking over the local
agency.
Georgo H. Qllllsple. formorly an Omaha
newspaper man, handling advertising, has
taken up fire and liability Insurance, with
ornces witn the Columbia Flro Under
writers.
TVlr n. hnnUftr nnt In Hia mtnin th. T.tnn
Bonding company of Omaha last week
wrote a guardian bond for $90,000, This Is
tno largest bond or tho kind ever written
in oDraskn.
The Lion Bonding company of Omaha
nag porreciea pians ror going into Minne
sota after business, t hns compiled with
all of the requirements of tho state In.
suranca laws.
Walter Le Mar Tnlbot, vice president
of the Fidelity Mutual Life of Pennsyl
vania, was In Omaha last week sftor u
Swing around the western and southwest
ern agencies of tho company. Ho reports
business the best In years. '
Mrs. Estella D. Long, agent for the Qor
msnla Life, woa at the Omaha offices
last .week, calling on Manager Johnston,
8ho lives at Fremont and Is ono of the
successful life Insurance agents In Neb
raska, having written a number of large
policies during the last year.
Contributions to 1
Creighton Museum
RAV...1 i.nn(.lhiiHnH. V 1 -
' wiiiiMiuMwuiiB J ilk v n uccn IIluU Q
recently to the museum under tho super
vision of Rev. W. F. Rlgge, B. J., at the
arts department of Creighton university.
Notable among these havs been several
electrical Instruments.
Paul Gillespie, arts '13. gave a telephone
apparatus; Edward Sullivan, arts H, gave
olectrlcal apparatus, and Patrick Mc-
Crann, arts '17, gave a rheostat to be
used for detecting delicate electrical cur
rents.
James Martin, arts 'IT, contributed two
dosen photographs taken after the
tornado. The pictures were published in
the lost month Issue of the Chronicle
Clem Martin gave a foot blower.
Father Rlgge has been exhibiting a.
collection of rarities to the students at
Crclgfiton. One photograph which ha has
Is hi by 1-16 Inches square and portrays
an entlro page of the London Times, which
can be read under a high power micro
scope. The other, which is 1-18 inchen
square, shows 200 royal personages of
England,
CrelKbton Note.
Next Friday, May 9, Is the date set for
the submission of the Enirllsh Anil
catechetical essays to the dean of the arts
couego.
The' final elocution contest In the col.
lego department of Creighton university
win ne new ai tne university auditorium
on the evening of May K
The fourth quarterly examinations at
the arts department of Creighton uni
versity are now. on, The results of these
examinations are not made known to the
students,
The name of Creighton has found Its
way into Mexico. A son recently born to
H. Arthur Houser, arts '&5. at Monterey,
Mex., has been given the name of Robert
Creighton,
Dr. Frank T. Frldrich. dentistry '11. was
recently married to Miss Loretta Eliza
beth, daughter of Mr. and Mrs. Frank D.
Shabata at Wllber, Neb. The couple have
taken up their residence at Ashton, Neb.
The annual publication of the law de
partment, entitled "Tho Law Bulletin,"
has been published. It contains a history
of the law college, a list of Its students
and graduates, and a number of fine
photographs of various parts of the col
lege.
A complete set of Irish repqrts have
been ordered by the Creighton law college
library to add to its list of over 10.000
volumes, The insn reports rank next to
the Knglish and American reports, both
of which are already possessed by tho
Miss Catherlno Goodall, formerly private
secretary to Dean Paul Martin of the
position of librarian at the law college.
made vacant by the resignation of John
W. Delehant, a member of this year's
graduating class t.t that department.
Talk With GR.UN D About Life Insurance
NATIONAL LIFE INSURANCE COMPANY, U. S. A.
Chicago's Oldest ami
A. R. GBl'XB,
tlitn City Xnt'l Hank IMtlg.
W. A. TOIT30H
IL. BALDWIN & CO.
CIO rirst national Bank Bids'.
MONEY TO LOAN ON OMAHA REAL ESTATE
rinanclsl Correspondents, Phone Douglas 371.
Equitable "Mortgage ft Trust Company of Baltimore, Sid.
Wlieler Hi
BBLIABLE IHOUnANCB
Or AX.X, KIITDII
1BU Dodge Street.
f
'XX' iuu had uniii "A'vyu wuuu iu nun was mo hub
of a featuro story in a locnl newspupcr on Easter Sunday morning, March
23, That evening tho tornado snurfed out over ISO lives.
THE SIORAZ. IS PIjAXIT.
TOiH 3a fCEEELilaY insurakcee man"
TBAVmEEB INSURANCE COMPANY
MARTEN BROS. & CO.
GENERAL IIMSHUNlAIMCE
BARKER BLK. TEL. DOUG. 735
1 3MjI Lot
BEE VB BEFORE BUYING ANOTHER POLICY IN AMY B RAX OX
Or INSURANCE.
GALLAGHER & NELSON
Osneral Agsnt Illinois Surety Co.
iaiUIatlESttUUJJMfWSMWHBWWWM
BOOST rOB OBUKXA
The Columbia Fire Underwriters
OP OM.11IA
nous Offices Entire Third floor Merchants national Sank Building.
, Phono liouglas 431.
3. O. Salmage, Manager. X. Ssase, Assistant Haass;.
THE MIDWEST LIFE
Insurance In Tore
Decembor 31, 1000 9 889,000
December 31, 1,908 t. 1,483,318
December 31, 1910 8,04.1,00
Decembel 31, 1912 i'59?'5S?
March 31, 1912 8,001,034
The Midwest Life
jr. Z. SNEXiXi, President. A ITobraskn Company Horns Offices! rirst JTsUonal
Bank Building, Iilnooln. A. A. TAY&OU aud OEOKOE CXOOKJiB, Osneral
Agents, nooms 1313-1314 City National Bank Building, Omaha, Nebraska.
Before deciding
on your Insur
ance 'phono D.
1275, and ask
about tho new
low cost, all
guaranteed pol
icies, all plans.
Life, Limited
Payments, En
dowments, Joint or Part-
noratlnn Vnrl Mnnthlw Tnnnn ti.n
slon Policies.
rhs Prudential Ins. Co. of America
Inc. as a Stock Co., by New Jersey
M. B8UOS OABPXHTBB, Mgr.
For Nebraska and South Dakota.
UD-33 GItr Nat'l Bk. Hlrtw . nm.h.
V J
Equitable Life Assurance Society t?e U. S
Assets over $500,000,000, Paid Policy holders 6ver $815,000,000.
H. D. NEELY & 00., Managers
H. I, NKKLY JOE
Merchants Nat'l Hank Bldg.
Obey That Impulse!
Not the man who INTENDED
but the man who INSUBISD
left provision for. his family.
G. W. NOBLE,
Osneral Agent.
CKABEES I,. HOFFBB,
Bpeolal Agent.
jr. C. KITCHMAIT, Special Agent,
orrzcxn
638-043 Brandeis Bldg. Omaha.
Spend money
to save money
If you have anything to sell
invest a small sum in Bee
classified advertising.
The resulting sales and th6ir
profits will prove to you
Money is. saved by
judicious spending
J
Strongest Company
Slate Malinger.
Oiunhn.
Douglas ,1080.
W. I.. "WILCOX
Weipton Co.
Phone Bonglss IN.
' i r.
Eighty Million Assets.
the Buyer Beware . iMT
Officers
N Z. Snelt .President
Dr, B. B. Davis, Omaha, Vlce-Pres.
A. J. Sawyer Secretary
Dr, M. II. Uverett.. Medical Director
C. II. Ketiterday Ass't Secretary
M, A. Hyde Agency Director
Northwestern Mutual Life
Insurance Company
OF MILWAUKEE
MANN & JUNOD
General Agents
B38-S44 Hrandels BaUdls.
OMAHA
KLKIN E. II. PIOKARD
THE
, Union Centra! Life Ins. Go.
OF
CINCINNATI, OHIO
HARRY O. STEEL
Ssnsral Agent.
111-313 Bangs Bldg. Phone 8 Slta
