davidaulloa/AmericanStories huggingface dataset:
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
PLENTY BUSINESS.
Mr.. Hayward and the Standard
Accident Insurance Company.

Mr.. Hayward and the Standard
Accident Insurance Company.
The Standard Accident Insurance
company. of Detroit, has every deSlr-
able feature of the other accident COM
panies, and more besides. 1t allows
indemnity for one year instead of six
months, the time fixed by all its conf
petitors; it places no restriction on
travel or residence; its policies are not
forfeited by the fact Of the insured en-
barking in a more hazardous business
than the one he insured for-the extra
hazard being charged for merely; in
jureS resulting from humane acts or in
athletic sports, for recreation, are COW
cred by its policies, and policies are
written upon the employees or corpo-
rations and firms by the year, for orders
upon the paymaster of such employees.
The Standard has for its president d.
NJ. Ferry, senator from the state of
Michigan. 1t is probable that the COM
'bined wealth of its stockholders is
greater than that of those interested in
any other company of the kind. 1t has
cash capital of S200,000 assets over
$500. 900. and 100000 deposited with
the state treasurer of Michigan for the
security OF lCS STOCKHOLDERS. 1lS repre-
sentative here is Mr.. L. Hayward, a
gentleman who has had years of expert
ence in accident and other insurance in
Dakota. Chicago and here. Since he
has been in charge of the company's af-
fairs here-March. 1887, to dat0-more
than $4,000 of premiums have been
paid in through his agency. He makes
a speciality of the insurance of railway
employees, and has special Jurisdiction
of that sort of business for the company
in the Northwest. His office is Room
3, Mannheimer block.
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
CONSTANTLY GROWING.
Work OF the ST. Paul German and
Its Able Secretary.

Its Able Secretary.
The st. Paul German Insurance COM
pany was founded in 1889, ami within
the three years its remarkable progress
has been matter of general comment
in Insurance quarters. Much of its sue
cess is due to wise and sound manage
ment and an enterprising method in
keeping we'll before the people. Its
soundness is guaranteed by the names
at the head of affairs -Albert Scheffer,
PRESIDENT; w. G. Bredenhagen, vice
president; j. Quincy Haas, secretary.
a statement issued by the company
Jan. l, 1891, gives the following COM
paratiye statement:
May 1, 1889, cash capital 100000,
oe asSi T. 1850, cash capital s5oo,60o '00 "
assets Us, 100. %
Jan. |. $780, cash capital 100000,
assets -. ................. 500, 215 20
Oct. l. 1897. case capital $4,000,
assets ............... $50 941 SO
Jan. /. 1881, cash capital 5}Jo,6oo
assets b33, 443. 40
Every gentleman interested in the
German Insurance company will admit
that the work of the secretary has also
largely contributed to its success. Mr..
Haas has excellent training in Insurance
work. He has been engaged in the
business sixteen years and so ADM. able
has be managed the ST. Paul German
that it is now doing business in thirty
six states and territories, and employs
eighteen people. MIR. Haas came to St.
Paul in 1881. was born at Milwaukee i'll
1855, married Miss Emma Markert, Of
Fond III, I ~ Wis i'm 1870
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
FAVORABLY KNOWN.
"A. B. Wilgus & Co., of Insurance
and Realty Fame.

Few men are locally better known
than Mr.. A. B. Wilgus, who does bust
ness under the title Of A. B. Wilgus 81
Co., 128 East Fourth street. Mr.. Will
gus does an immense realty business
in connection with his Insurance. He
has resided twenty years in st. Paul,
and knows almost everybody-that is
everybody worth knowing-.and every
body knows him. He was originally
general Northwestern agent for the
Canadian Southern railroad, but re-
linauished the position when he started
his present business. He has been emf
nently successful; is very enterprising,
and few more men are more public
spirited. Mr.. A. 3. Wilgus was born in
New York, 1914.
James III. Wilgus has his office with A,
B. Wilgus & Co. He is New Yorker.
and saw the light of day away back in
1917. He did not take up his residence
in st. Paul until seven years ago. He
is pushing. industrious and very able
man. He has been identified solely with
fire insurance and mortgage loans since
he came to st. Paul.
Messrs. A. B. Wilgus & Co. ard J. ii.
Wilgus represent the same companies.
They are the Sun, Of San Francisco; the
Standard, of New York; the Peoples.
of New Hampshire, London and Ian
caShira
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03

and general manager. The personnel
of this company was an earnest OF sue
cess from It's inception, as Its organizers
are not men who ''catch on" but NOV
erS OF many philanthropic- enterprises.
As live stock Insurance is most hazard
Gus OF all insurance written, great care
has to be taken in the conduct of the
: business to make it satisfactory to the
assured and the company; therefore, its
management neceSSitateS having one
right at the front possessed of quick
perception. This company has such a
person in their secretary and general
manager, who has had varied expert
ence. In 1872 and '63 he was bank cashier
of Cecil county, Maryland, and was
also connected early with the cOnStruc-
ton of the st. Paul 81 Pacific railroad,
now Great Northern. The seven fol-
lowing wears he was local freight agent
of st. Paul d Duluth railroad. Mr..
Brown is we'll known for energy and
perseverance, and to his credit, in a
great measure, the success of the COM
pany is attributable.
The National Live Stock Insurance
company was organized to give the
Northwest company doing this kind
of insuring) in which confidence could
be placed, and assurance that, when
losses come, they will be promptly met.
This company now bears the reputation
it started out under such favorable
auspices to earn. They have given
many check to owners of the $4,000. 900
head of horses enrolled in the last CEN
sus, from $1,000 down, for losses sus-
tanned by the assured. The cost OF in
surfing is less under their schedule of
rates than many of the so-called mutual
companies, but fraction more than
rates made by companies doing business
with little hope of remaining in the field.
which were ''Snuffed Out' finally, being
Of no benefit to stock meu.
The National Live Stock Insurance
company have agents and are appoint
ing agents throughout the Northwest.
aud while it boasts of such brilliant
career during the last four years, it is
still in its infancy. They have two
forms of policies, one covering death
from diseases and accidents; the other
includes Herewith fire and lightning,
added, insuring horses and cattle only.
The National Live Stock Insurance
company can refer to many prominent
business firms in st. Paul and the
Northwest, as reference for promptnesS
and fair and honorable dealing. A com
pany which should be sought out and
by all stock men. Tradespeople III
the larger cities, notably st. Paul
and Minneapolis, as rule, in
sure their stock, knowing that, when
covered by fire alone, the risk is less
than one-tWentieth covered. Statistics
proving this. also, that the average life
of horse is but six years, when it takes
thirteen and fOur-twelfths OF year to
, pay to this company the amount re-
ceived when loss comes. Minnesota is
coming to the front as the largest stock
state. The number of imported stations
are fast multiplying, and the Dakotas,
as we'll as Minnesota, are experiencing
the benefit of these imDortatlons, as
they are being placed at the remoteSt
corners of these fast growing states. and
the National is receiving inquiries from
such owners, and writing up risks to
$1,000 in large numbers.
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
AN OLD TIMER,
But the Washington Life Can Get
the Business.

The Washington Life Insurance COM
pany, of New York, was organized in
1860. 1t mas been operated eighteen
years in Minnesota, ably represented
the entire time by Maj. j. A. Sabin.
Year by year the company has made
solid gains, and to-day it is known in
the profession as the most conservative
of the old line companies. Its record is
clean from scandals and SenSatiOnaliSm,
and, while in this age of keen competi-
ton it must accomplish equal results as
its competitors, it does this without
compromising its grand motto: "Se-
curity first, profit afterward."
In strict compliance with the laws of
the state of New York and under the
charter of the company, all the accu-
mutations i'll the Washington are in
vested in bonds and mortgages first
liens on real estate), United States and
New York state securities y foreign in
vestments. No farm mortgages. No f1uc
curities. Twelve million dollars
hus invested, held on the sever
est business principles, underlie
its contracts, guaranteeing the pay
ment of its policies, whether they be for
s., 900 or $50, 000 maturing in the near
or remote future The Washington has
never been in court to fight or contest
claim, as its policies are inconteStable-
hence, its policyholders appreciate the
absolute safety and security Of their
savings tor themselves and their famI-
lies. Fully up to the times i'll serving
the public with all latest and improved
plans in life insurance, the Washington
shows great gains in new business. AS
sociated with the old veteran Of life in
surance in Minnesota, Maj. J. A. Sabin.
is Henry Hurd, who was formerly con-
nected with the company in Cincinnati.
Mr.. Hurd, coming as stranger into
the city about eighteen months ago, has
been instrumental in placing over one
half million new insurance from the
MinneSota-Dakota department. last year.
Mr. Hurd is a hustler, but, as he says,
"There is no trouble to sell first-clasS
goods for a first-claSs company" Mr.
Hurd and Maj. Sabin are just the men
to keep the Washington Life Insurance
company to the front.
Mr. Hurd was born in Cincinnati, o.,
1858, and, prior to taking up insurance,
was in the commission and drug bust
ness. He married Miss Hatfield, of
BROOKLYN, 1880. Mr.. Hurd resides at the
Aberdeen.
Maj j. A. Sabin was appointed gem
eral agent of the Washington Life in
the spring of 1869 for Northern New
York. He was transferred to st. Paul
in 1874. and still continues as one OF the
general agents. Prior to taking the
agency of the Washington Life he was
a paymaster i'll the United States army
during the Rebellion.
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
THE MUTUAL LIFE.
Ably Managed in the Northwest
by A. w. Peet & Co.

Ably Managed in the Northwest
by A. w. Peet Sc Co.
The Mutual Life of New York is one
of the strongest life insurance compan-
les in the world. The mutual was es-
tablished forty-eight years ago, but it
was notuntil 1885 that the st. Paul gen.
eral agency was started, though the
company has had a district agency
here for more than twenty
years. E. W. Peet & company are
the hangers for the Northwest. The
business of E. w. Peet & Co. embraces
general finance as well as insurance. 1t
is the most prominent of its kind IN st.
Paul, financially strong, conservative,
conducted on the soundest possible
basis. E. W. Peet is at the head of the
firm. He is an Ohio man, came to St.
Paul i'll 1885. W. f. Peet, also men,
Der. is son of E. W. Peet. G..
E. Lawton. originally of Cincinnati, O.,
is the son of G. G. Lawton, general
agent of the Mutual Life company. The
insurance business of E. w. Peet &
Company embraces the states of Mime
sofa and Iowa. Under their manage
ment the business has. increased from
100000 to between S., OO0, 900 and Sc, 900,
900 new business each year. ii. M.
Hart is and for the past twenty years
has been local agent for the Mutual
Life, and reports at the Office of E. w.
Peet & Company.
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
IT'S THE OLDEST.
The Sun Fire Office, of London,
Heads the List.

HeaOS the Inst.
The Sun Fire Office, of London, has
besn represented in the Northwest
since 1892 by w. D. Fargo, of Merriam
Park. Mr.. Fargo was born in New
York, 1888, and came to ST. Paul in 1888.
Three years prior to that time he trav-
eIed throughout the Northwest, acting
as an adjuster of losses. The Sun Fire
Office enjoys the proud distinction of
being the oldest fire insurance company
in the world. being established in ITO,
at London, Eng. 1t is to-day represent
ed in all parts of the world, and
is in many respects the most de-
sirable fire insurance company eXtant.
The Sun Fire Office has just erected at
81 Pine street. New York, handsome
fve-stOry marble building, presenting
at once an unanswerable argument Of
the growth and prosperity of this COM
pany in the United States. The New
York Office is under the management of
Mr., j. J. Guile, who is general manager
for the United States. The Sun
employs in the United States
alone 1,50O agents. The company is
strictly and purely a fire organize
ton. having no other interests.
Mr.. Fargo was formerly state agent,
with business interests which kept him
very much on the road. Jan. l. this
year. lie was made general agent for the
Northwest, managing the business of
the agents OF the company in the states
OF Minnesota. North and South Dakota
and Wisconsin, all business in the states
being conducted through the ST. Paul
Office. MIR. Fargo has an office In the
New York Life building. ra
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
ONE OF THE LARGEST.
III. NJ. Hart & Sons Among the Old
est Firms.

I'll. Nj. Hart & Sons Among the Old
est Firms.
Among the oldest, certainly the most
prominent, insurance firms in this city
is that of II. NJ. Hart & Sons. Mr.. Hart
is New Yorker; has been in this city
thirteen years, engaged all the time in
the fire insurance business. During the
summer of last year Mr.. Hart made an
extended tour of the British Isles and
France, and made himself thoroughly
acquainted with the insurance opera
tiOnS of those countries. He is well
verSed in insurance matters: no man can
claim wider or more general experience.
The companies represented by the firm
are: The London and Lancashire
Fire, of Liverpool, Eng: the Phoenix, Of
London, Eng; Newark Fire. Of New
ark. n. j.; st. Paul German Fire. Mr..
Hart has operated in five states at one
time, viz: Michigan, Illinois, Mime
sofa. Iowa and Wisconsin. He has also
done considerable business in New
York. The firm has consequently built
up large business, probably as large
as any other firm operating in the North
west. During the past fall, winter and
spring Mr.. Hart was engaged in visiting
representatives of New York Life In
surance company in the South aud on
the Pacific coast.
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
TWO GOOD MEN
Make Up the Well-known Firm of
Gilman & Co.

Gilman d GO.
Few firms are stronger than that of
Messrs. Gilman & Co., in the New York
Life building. The members of the
firm are Y. G. Gilman and A. j. Leitch.
They not only conduct a large insur-
ance business, but also act as financial
agents. Mr.. Gilman is New York
man. He was born in 1857, and has
been engaged in insurance and loans
six years, which covers his resi-
dence in st. Paul. Mr.. Gilman married
Miss Julia Chenoweth. of Mayville. KY.
Mr.. Leitch was born in Chicago, 1868,
coming to st. Paul in 1888. He has not
yet embarked upon the matrimonial
sea. Mr. Leitch's connection with in
surance matters is restricted to three
years. The companies represented are:
The London Assurance corporation,
the Phoenix. of Brooklyn; the Farragut,
of New York; the GIens Falls, of New
York; the TeutOnia, of Philadelphia.
Mr.. Leitch attends to the insurance
end of the business, Mr.. Gilman being
fully occupied i'll looking after the loans
and financial interests of the company.
Messrs. Gilman q Co. have written pol
ieles in Michigan, Iowa, Wisconsin.
Minnesota, North and South Dakota and
Montana, and are now pushing for bus
mess III Washington. Mir. Gilman, and
also Mr.. Leitch. stands high in CONNER
oiol oirnIng
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
COVERS THREE STATES.
The Well Known Agency of
Messrs. Briggs & Robinson.

lCSSfSs a. IDODIuSOHs
Briggs & Robinson, as an insurance
firm, stand very high in the Northwest.
They are the resident representatives
of the German Insurance Company of
Freeport, LII. r. r. Briggs has had a
varied career. He was born in Illinois,
1912, and has been a printer, school
teacher, carpenter and builder, and rep
resentatlve of the German Insurance
company the past fifteen years. L. A.
Robinson is an Englishman, who for
sock the ''old country" in 1858. He
spent short time in Canada, then en-
gagged himself as a harnesSmaker in
Detroit. Mich. for ten years. The Da-
kota boom caught him, and in addition
to following his trade, he was
a county clerk four years. In
the meantime ne had been
acting as an agent of the German In
surance company-in all fifteen years
and year ago moved to st. Paul, this
city being more central for the work.
Mr.. Briggs and also Mr.. Robinson are
eminently fitted for their line of work.
They are good citizens, reliable bust
ness men. full OF push and perSever-
anee. A feature of the German Insur
ance company is that it has never
skipped semi-annual statement. The
secretary of the company writes, under
date July 20:
Let the result be what it may. we have
made our regular sem-annuaI showing, and
though at times il has not been just what we
could have wished, such has been the charity
of our agents and patrons that they have
never failed TO commend US for presenting
them with the statement at any rate. and
therefore, despite the fact that our pathway
thus tar this year has been fiery one, no
less so than that of our other friends of the
profession, and in the face of loss ratio
throughout the country of at the rate of over
S131, 0000 00 per annum as compared with
S10900)000 last year. we once more present
ourselves before you and give you such data
as our books present from which you can
draw your own differences, which | am conf
dent will not be to the disparagempnt of the
German"
The Briggs & Robinson agency covers
Minnesota and the two DakOtas and
does q hnSinnSs of $50 900 a wear
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
GEHAN BROS.
Are Doing a Growing and Lucra-
tive Insurance Business.

live INSURANCE ouStACSos
1t is over eight years since the firm OF
Gehan Bros. was established. Prior to
their embarkation in insurance and
loans, Messrs. Gehan conducted a
profitable grocery and provision
business on Jackson street, near
the Manitoba railway car shops.
Thomas Gehan was born in this city
thlrty-two years ago, while the elder
brother, John, the we'll known alder
man from the Seventh ward, is prod
uct of the land of fine women, good
whisky and fast Overwhelmingly
where he first saw the rays of light
thTty-six years ago. The business rep
resented by Gehan Bros. is prosperous
in every detail, as every enterprise is
bound to be which is characterized by
energy and perseverance. Thomas
Gehan is city gas lamp inspector, and
John, in addition to his other multi
farious engagements, has recently been
appointed director of the Catholic choir.
Few men are better or more favOrably
known in st. Paul than the Gehan Bros.
They are both able men. Aid. John
Gehan is one of the strongest men in
the city council. and his popularity IS
such that, so far as the representation
of the Seventh ward is concerned, no
man can stand against him. He is a
fearless representative; man of the
people,
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
PRINCE AMONG MEN.
Mr.. Eaton, the Grand Old Insur-
-ance Man.

Few men are better known in insur-
ance circles than s. S. Eaton. He has
probably the largest acquaintance OF
any man in st. Paul; is jovial, whole
souled man; Of sterling business in
tegrity, progressive and public spirited.
He covers more insurance than any
one man in the city, or, for
the matter of that, in the
Northwest. As an indication of the bust
ness done, it is sufficient to mention the
companies, all of the leading represent
alive organizations. In fire companies
Mr.. Eaton represents the Insurance
Company of North America; Royal, Of
England; The Queen. of England; Lon
don Assurance of Corporations; Penna
Fire; The Phoenix, of New York; The
Traders, of Chicago; The Delaware. In
life and accident he is the representa-
tive of the Travellers, of Hartford,
Conn; I he Metropolitan Plate Glass In
surance company, of New York; The
Marine Insurance company; The Hart
ford Steam Boiler Insurance and Inspee-
ton company. MIR. Eaton has been in
the insurance business forty years and
has resided in st. Paul since 1855. he
was born in Vermont, 1926.
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03

renee j. Casserly came to Minnesota in
bis infancy; he was born at Morris
town, N. j., in 1855. 1t was not, how
ener, until 1888 that he took up his
residence in st. Paul. James r. Dom
nelly is a Pennsylvania, born at Phila-
delphia in 1855. He also Iodated in St
Paul at the time Mr.. Casserly did, but
the firm Of Casserly & Donnelly was
not established until three years ago.
The companies represented by this
firm are the Royal. of England; Glen
Fails, N. Y; Security, of New Haven,
Conn.,; Rockford. of Rockford, LII; the
Southern, of California; the Hekla, OF
st. Paula the st. Paul Accident COM
pany. With the exception of the latter,
they are all fire insurance companies.
Both Mr.. Casserly ana Mr.. Donnelly are
experienced insurance men. Since its
establishment the firm has prospered
wonderfully, due largely, however, to
the indomitable industry of Messrs. Cas-
serly and Donnelly. They are both rep.
resentative men of the city.
St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1891-08-03
THE MUTUAL RESERVE.
The Work Accomplished by q
Great Association.


The Mutual Reserve Fund Life As
ISOLATION of New York was organized as
a purely mutual organization in Feb
ruary, 1881, on a purely mutual basis.
1t had no assets, no capital. no reserve
fund. To-day, or ten years after its
organ iZation. the Mutual Reserve Fund
Lille association has $4,000, 900 in assets
and more than S3,000,000 in its reserve
and emergency fund. 1t has paid in
death losses more than $1,000, 900; has
issued 10000 policies, and there are
now more than O., ZOO of these policies
in forcc. 1t has more than $500, 000, 600
insurance III force, and is receiving an
income of more than 81. 600, 600 annually,
IL is paying death claims at the
rate of S2,500,000 a year. and it's new
business of 1891 is ayerG ging at the rate
of $50, 200, 900, an increase of more than
$1,000 month over that of last year,
the company issuing but one form OF
contract, therefore it's books are easily
examined and its Liabilities readily eS-
tlmated. The policy provides for the
payment of a stipulated sum of money
to the widow, orphans, creditors, sur
vlving partners or other benefciarieS at
the death of member. The rates are
based upon the actuaries' tables of NOR
taiity, with proper loading for re-
serve or emergency fund, and said fund
is divided to the living MEN,
beers at stated periods. The expenses
are limited and are the same at all ages.
The payment OF premiums are made
easy to members, as they can be paid
six times year, if preferred. and dur
ing the ten years of the existence of the
association. 1t has never averaged a
greater sum than one-half the same
charged by the Old-line companies, and
still there is S3,000,000 belonging to and
standing to the credit of the living mem
berS. The st. Paul manager of the coIn-
pany is j. j. Hamilton. He was born in
Ontario. Can, in 1S48. He has only re-
sided in st. Paul one year, but has been
connected with insurance IN one line or
another for more than seventeen years.
He represented the mutual in Manitoba
and the Pacific coast prior to coming TO
st. Paul. He married Miss Agnes Cam
eron, Of Huron. Ont, in 1872. Mr.. Ham,
ilton has made favorable impression
among st. Paul business men.