, 1880-09-10
vice.President HeaId's intere sting
Annual Address to the
Association.
The Paper Of Mr. Dargan, Of Texas,
the Victorious Es.
/ sayist.
An Edlfying Essay on Glucose Facto'
ries and Their Special
Hazards.
Prizes offered for tho Next Meeting
Election of Officers and Ad-
iournment.
MORNING SESSION.

MOKNlNSi SISSlON.
DISTINGUISHED VISITORS AND NEW MEM
DE1ts.
The second days session of the eleventh
annual meeting Of tho Fire Underwriters
Association Ut the Northwest opened yester-
day morning Mt 10 o'clock In the Indies
or,inlry Of tho Grand raclllc, President
Spaltltng In the chair. Ficc-Prcstdeht
Waters introduced to the Association two
newIy-urrlycd guests III the persons of Ill
surance Commissioners Wright, Ut Ohlo, nild
Finch, of l,ltiiann, who weft appropriately
welcomed and Invited to mako themselves as
hone. .
A. a. Karstcn, Special Agent Of the Couti-
mental Of New York; John y. Delaney, Jr,
PRESIDENT of the Uuwery Firc-lnsuranee
Company, New York; J. =. Griiltths, State
Agcn, far Missouri Of ths lame Of
New York; j. N. Reynolds, Special
Agent Westchcstcr Of New York;
Arthur Marks, Detroit Specinl
Agent Ut tho Home Of New York; Il. 4.
Il0usl. jackson. Mich, State Agent OF tho
Wnsertown I1lsarnice Company; II. De
Roodc, Chicago. Munger Clinton Fire-ln-
surancc Company; ntd II. z. Cleveland,
1;osk Island, Speeial AEent Of t'!o Nc Sor%ie't
Nlr George W. Hayes. the indefat!gable
Secretary, WAS, II. ace"rtlNnse with Tue Ynntt, ts,
los Nj. seih.tfs T. T. qa asr 'e u Pli tsniou Ncb
read rather interesting pAper TN tug SUB.
the Incentives to ineeudlarist!,, ind descflb-
ing thp netll3tls which expe1ieMnce ~ LIZ. l!a,l M s,tE~
ESsted tor se1ssrlng lraa Ut t,ils ,.s sot5. e
exnggerato his luss. i1,tl this must bp borne III
mind, a,ui not construed III given ctso
as n necessary evidence of ihce1ldlnrisnl.
M ~ EtlH I'll
Mentary OIL tho etIlclrncy OF the laws and the
morals Of the community. After dwelling 1t
considerable length or tho evils OF oyGr-ll,. n.
general gruunu that Tho only remedy for the
twin evils of iNrendnrls,u md 1ver-tustr-.
Ancu yna cooperative Action Oh the part OF
the "tllrec-fourtl!s c!a.lse' a eondltlnn OF
their policies, al,d entleayorlng TO bring about
u healthy public sentiment Rilu tho enact,
1nent by State Legislatures 0f sound Atu
Wise taws 0n tho subject Of tnccndlnrisnl,
md tho enforcement Of tic same.
ovEIt1SsuRAScE.
. Mr. ]. 0, Wlsnm referred ut lqngth to Mr..
Cornelius Walf0r4's ,Mper, read the day nc,
fore, re1iintiIItg ttlat thu gyil which valued
policies sought to prevent :I0 years ago, H.
s!ead Of being prevented by modern leEisla-
tIon, WIS OIL tho imrelse, tile wording Of the
modern Iolicy-eycn though q "valuch"
one--rllld tho construction apt to ba put upon
II. simply plactns premium OIL oseE-lnsur-
allet.
tinns 3 Falis h Insu1utrS Co!,,nY, f,,rter M ill., M
cussp,l tic s,.,I,u subject, Tlu yrluetl-l,ollcy
law WIS allcatly IN force III Wisconsin, OHIO,
1nwo." H -'si jia,i "iI0 Il MT v nnen ior Gov.
Cornell, wi,o % deserved l' tiio Trunks oi
the cntfro insurance community for
hls acto tho sa'ae ohnoxi"us t 70, Ivy wouI ni
S Ncw Yart. ntt %Ths ~ sSeaksr ,lwct al snue
length On tle subject Of hnr.lvnsoe and ' ~. +
,uns Hi, i'm, fnr tnn 4 ss"ctatin,, tn tnkn
United stand In tho Nlatter. rar!icujarly N
ths yaEsas $tate isssstre%; q WsIa ssPi' s',,' +
Mis- f.,lIy eyitie,,re.t by lie fnct that Mr. Wal
this tl,nu md send lila conl,nnn,rnson across
tho Wsltur IT, tho Neutrality-suspicious. OF Amer
one subject 10 Which tic 4lssuciatIon shonltl
give its fnitst n.tetlo''.
Mr. J. j. Hail. President Of tho Home In
essay on the :VValuo of Troeetlell.s in Amer
wcra not always to ho rvlIcd alnn,, yet il ro
es%ss n ws fsnsts fSa tff liz at tesss s a q wSs s
rietlye, and WIN kept abreast with the pr,g
ISxs St s ny u }|S . business s, 9i ,,a,s Es sl I
s Ss prsscss l s w s @ 81 nj a aoM Naona ffs b"ar
for lsistatlce, would. II lived mp to, hnvasave:
S.tsr s eSStsruxss. Ss Il t!s why Of LOSSES md hard
1rs re of ;fssna Gsa pTa''s Ts 1"dsrwo1a sisTs; Il
Infnypttc. tlti,: Fred Il. Duri, OF detroit
/, s. H,Rckwnltier, Of Cl,icasO: L. w. Intter
or milwaukee,: Il, S, PAGE it lies AIpi,es
Tn,,.;ls: ii, Il. Faluer. Of Pl;l,ts,uOliii. Nul,,
j, il. Cas,IcnIal, II i,ouisyitic, nlT X. j
Iriinbnjj Of St, puul. cn,n,,litteo to n,nl
mite tilu Executive Voul,njttup for u,o u,lsi,
ins year' oo''''s''>S' ava Wv 0'''''
lj!a morning session was concluded on til
zcatllng by Mr. i: l.. Iieai,l, secona Vict
~ S"w yar; ~. "",,iu ~ liz i"me,st. .h"n.;m
unleGwrlters i, lis wt.plo county, md, il
eee' VI tn' m',a,mos ',,,.s. ~; ~ na,,
ANNUAL: Address 70 TIE AssooiATloS,
tla prominent fent,ire q tue meeting. u
llo.lncstl evidences Of fnvot. mud IN apprecii
tipn cot%itl'lH'Hurato % wts w. hiK., y!l!!e: -,