New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1888-04-01
TALK OF THE TOWN.
souE SUGGESTIONS TO AMERICANS


large merchants are complaining with both
and bitterness OF the Insurance Department at Albany
ard the Board of Underwriters OF this city. The In
surance Department holds q bill, the inspiration,
believe, Of Deputy superintendent Ruggles, which 10
tautamount in It's provisions TO absolute prohibition
" the privileges hitherto enjoyed by merchants OF
securing, from unrepresentcd companies, such ad-
diona insurance their soch and property as they
require and obtain from the companies doing
business In this state Mr. Clafin, for Instance, has
In his amount of goods worth more than mo
entire capital stock OF fire insurance companies
II IS absolutely impossible for him TO secure all me
guarantee be needs his property from the COM
panies that have complied with the insurance laws
this state He has to go outside, TO Hartford, to Ch-
cago, and elsewhere to get much of his Insurance.
Mr. RuggIes's bill, which bare majority OF tho
Board Of Underwriters has approved, PAGES strange
restrictions on this privilege. Under its terms notice
OF days must be given TO the Board OF onderwH'eH
before any application be made for OUTSIDE III
surauce. This that consignment OF goous
wait, all unprotected, for five days 10 no uSeiw
end whatever; for the Underwriters have no more u
do with a merchants demand for insurance than the
Liquor League or the Knights Of Labor. Anothei
clause requires that the owner of the properly mus
make an affidavit that he has offered the business 70
every represented company. This Is highly ABSURD
and out OF all harmony with business methods. Busy
merchants don't go about peddlng their insurance.
purpose, and they do the work of placing IT, third
provision is entirely prOhbitive. II requires that all
policies received from unrepesented companies shall
be In the standard form required By the laws OF New
York Every State has It's authorized form. NO I'M
represented company could legally deviae from the
form laid down by the State from which it holds is
charter Consequently, It could not grant the IN
surance oven were application made for IT, And as
IL enough Mr.. RugSes's bill goes on 10
require that of cont, additional to has
already imposed, shall be eXacted of all persons OBTAIN
ing outside insurance. for the benefit of the Board OK
Underwriters This clause perhaps, explains why tho
Board gave its approval to the bill, but what claim
1t has upon such tax is profound mystery
As there would be no probability of passing such
bill were It introduced this late day. 1t is intended
TO slip II in upon some convenient OCCASION as an
amendment some insurance measure no" Deiore 'ns
Legislature. In this way that such doubtful olh
are always worked through at Albany. That hna o.
origin ought to be enough to Kill them II this thIns
passeso said one OF the largest importers In New
York It will leave half my stock constantly without
protection
At the annual commencement of the College OF Phar-
macy the other night-au excellent institution, by tho
way In which the SHIT Of progre Is IA. Idly accom-
pshng reforms that of the highest adv antage 10
the public General sherman talked warmly 10 the
era1uaies Dl patriotism, OF devotion to republican
principles AMI to Il starSpangled Banner do love
TO hear gray.haed men whether they be veterans OF
war or science, or satecraft, singing cheerily and
hopefully Ct and future glIres Of their natlVe
land We all too little of this sort Of music Our
American boys who have done as they would ever
snce yes and long before they we're capable OF FORM
ing an independent judgment; who can't Imagine the
feeling of young men snatched from their homes, their
sweethcarts ard their business and hutled OIL Win
musAct their hands to savage frontier; VINO KNOW
nothing of the social expressions that still nnger anu
in heavy force IN every European stae-Amercan boys
say, grow up with conception of their superior
advantages of the relation of them to the Natona
ensign They would have had something to thlnR
about had they listened General sherman on Wednes
day night.
Perhaps the Generals most eager and delighted
hearer was J. Edward Simmons, president OF the
Board of Education. In his recent address to his col
LEAGUES In the Board Mr.. simmons enlarged upon tho
same dea He wanted the school readers American
red He wanted more Benjamin Franklin, more
Thomas Jefferson, more Patrick Henry
more Daniel Webster, more Abraham
Lincoln IN them. He wanted the American nag on
free display In the schoorooms and the spirit OF Id
erty linked with law more earnestly ard generally
diHused about the school buildings and Infused into
the children He didn't like the looks Of things just
at this time. Vast bodies Of men had been coming
and were still coming, from the king ourdened lahus'
They had suffered much from the laws OF those ma
lions that they knew OF remedy against their woes
but revolution and anarchy. This was the fendsh
the children daily to the public schools There q
counteractng influence should be felt and they should
be educated know that IN this land men were ther
own masters under laws that sought no purpose out
the happiness of the individual and the prosperity OK
The state Mr. Simmons's speech. which The Tribune
brought to the country's attention, met with UNI
yersal chorus of applause, since when every mall mas
flooded him with requests for copies of It.
This is a popular doctrine, and the beauty OF II Is
that 1t hts into anything IL is good for sermon on
any of the Christian virtues, good for after-dnner
speech-Chauncey Depew got famous on lt-goou lot
lecture on any art science, and actually once
heard il offered TO Jury argument In favor OK
acquittlng man accused of taking brides. Inc know"
ing lawyer Mo preached 1t was Daniel Dougherty
that lover of the press. 1t In his closing argu
ren I'm the Cleary case, and IL brought tears to tho
eyes Of those Jurors AT one point he talked Of the
simplicity of our institutions, and he told of sight no
witnessed in London lie stood in front OF Judlcial
building where a crowd was collected, for the Loro
Chief Justice about to arrive Far down inc
street the police holding the crowd In Cheek and
through the opening he could see tho outrdcrs OF
stately coach First came th footmen in dazzling uni
forms OF red and gold then the outrders sitting erect
on their prancing and caparisoned steeds then the
great coach with powdered and bedecked driver, us
superb horses, its Uvered attendants. Ana wneh al
last # reached the courthouse and the great man
issued from IT, the crowd stood by In silence, ooWinS
INV before so AUGUST presence blaze Of trumpets
announced that he come, and robed In the rchess
rmine and garments OF ceremony preceded by ackeys
and Inc officers his court, the L1rd Chei justice VI
ENGLAND wa IN pomp and majesty 10 MS Dench.
Rnt how different 1t IS here, commented Mr Dough
erty
Yes. Il Is different, to be sure, and in this ways
VIVA. Mr. Doughery saw was all hummery ana russ
and feathers What is TO be in this city, as Mr.
poughery often perceived IN that very trial, was 'h'
,hs,antial mower And there a good deal OF cere-
p.opy. TOO Observe with what Difference Mr. Dough
cry bends before the Court see how amlaoy ne sd"
mits 10 its adverse decision, murmudng that douDues'
bis Honor is right Notice how frequently be assures