The Columbian. [volume] (Bloomsburg, Pa.) 1866-1910, 1886-01-15
M AND DEMOCRAT, BIOOMsBURG. COLUMBIA COUNTY PA.

owners; but herein comes the difficulty
to be met, their very business sepa-
rating them over wide extent Of
territory and tying them closely at
home, is in the way against careful
and prudent management and makes
them liable to being misled by profess
ional sharpers, who organize for their
own pockets and soon lose sight of
the interest OF their pat tons.
Yet if farmers can unite and find a
way OF close supervision over their
business, they can by mutual companies
conducted entirely among themselves
make insurance safer and more eco
nomicsl, than by paying stock compa-
MES largH p.oiits, OF joining niscellan-
eous lryperty owners. One way Of
accomplishing this object is to join an
intelligent farmers association or order
and unite IN the discussion of subjects
there brought up; such an association
gives you II better acquaintance with
your neighboring farmers, gives you a
wider acquaintance and opens your
eyes to a great many advantages to be
derived in your business that you
would not think of otherwise; it also
trains your own powers OF thought and
observation and enables you to see the
ins and outs of a great many things.
Then if you find that those with whom
you are associated, are live, active,
,hluking men, you can join with them,
either in organizing mutual insurance
company, or in going into one already
organized, but have no great unwieldy
affair, that depends on some central
management OF large and boundless
extent of territory
The company should not extend any
fal ther than the intelligent manage.
ment can personally oversee without
neglect of their farm duties for eX-
ample suppose company organized
with central management chosen by
the whole body of insurers and the in
surers in small section, say one or
more townships had the right to vote
for the selection of the agent for that
district. all subject to the approval OF
the central organization, give no per
centage TO agents TO stimulate them to
take large amounts, perhaps beyond
the capacity of the property, but pay
them for their work the same price or
each policy big or little, and let their
pay be about what they could make on
their farm if not called away to attend
o your application, and you will find
that you can wonderfully simplify the
subject of insurance, know more about
what you are doing, take less risk, and
pay less for your insurance.; such a
east are some of the results accomplish
ID heretofore, by pursuing such a
policy.
Too large an insurance company
like too large farm, is danger Gus tc
the farmer. In insurance of farm
property, like farming itself, the NOR,
he gives it his own personal attention
and the more convenient he has it, TO
his own personal attention the bette
he will be satisfied with results. OC
this basis farmers have been enabled t,
insure their property for ten years, a
an average cost of less than SIX dollar
per thousand dollars of insurance, oi
each five year policy, or little owe
one dollar year on the ,housan,
dollars; this has been done by farmer
and by farmers alone, and it can with
out any doubt be done again; it shi,'li
you from professional sharpers, becaus
you do not have any such to deal with
it protects you from putting too mucl
: insurance on the properly, because yoI
have greater opportunity to know o
learn of the value of property in tn
districts you insure: you can know ais
who all in your neighborhood are in
sured, and equally liable with you, an'
you know that the same policy pursued
IN the various districts in which you
company are working, are supervised
with equal care as in your own.
Organize your own companies an
in such way that you have your owl
supervision and do not leave thu
supervision to well paid officer
whose mau object in the business
; to make money and you will find ths
you are grestly the gamers as far {
!. insurance is concerned.