davidaulloa/AmericanStories huggingface dataset:
Bridgeton pioneer., 1903-04-09
HUNT BROS.

AZ ONCE ,orn,
with in drygo goods 'a'oi young
HUNT BROS.
aking oKlrLs Every lady should have walking skirt
ground Over 25 styles here the wanted materials % TO
,;, aSIer Milnnery Although rainy day Saturday we
will be busy week but large stock to select from ali d
See the elegant values at S3 81 and S. - ''
wear with suit All the popular grades at and 81 I
we offer special this week 200 Corses Soc worth 75c
Elegant Tailored Suits N4ver sold so manv sna s;t 90
rs and up to S45 $3.50 - p-0' paw
Bridgeton pioneer., 1903-04-09
. "a 9To7TA,
Bears the ~ The Kind You Have Always Bought
S's,s'''' ss &HAZzzI
MANAGER WANTED.

TRUSTWORTHY lady or gentleman to manage
u business IN this County and adjoining terri
financial standing. $4,000 straight cash salary and
expenses, paid each Monday by check direct from
headquarters. Expense money advarced position
1880 Caxton Bldg, Chicago. 3I6Im
Bridgeton pioneer., 1903-04-09
Wants Griggs and Others to
Fight 1t.

Paterson, April THE Board of
Aldermen last night adopted reso-
luton engaging ex-Attorney General
John W. Griggs, ex-Prosecutor VIM.
B. Gourley and ex-Oity Counsel
Thomas O. Simonton to carry the new
Trunk Sewer law into court and try
to have it declared unconstitutional.
Mayor Hinchcliffe, who has been one
of the extremely few trunk sewer ad-
vocates in this city, strongly opposed
the action.
Bridgeton pioneer., 1903-04-09
PETIT JURORS
FOR MAY TERN.

Sheriff Diament has drawn his sec
ond panel of petit jurors, his selec-
tion for the May term being made
on Tuesday in the presence of Judge
Thomas W. Trenchard.
The Sheriff came into Court this
morning with his books and lists and
presented to the Court one hundred
names. These names upon slips were
singly placed in the box, and from
the box were drawn the fifty-four
who will act during the May term.
No one can tell which of the one hun
dred and eight names will be taken
out. and the fifty four men required
are selected absolutely without preju-
dice or partisanship. The panel COM
plete as drawn this morning, is as
follows:
Bridgeton.
Luke Sooy,
EssDavid S. Sellers,
Edward Davis,
Joseph Daley,
William Graves,
Fred. Knettle,
J. Harry Long,
j. Edgar Custer,
Benjamin Lore,
BENJAMIN. Barracliff,
Chas. McGear,
Isaac T. Nichols.
Otto Humphries,
James Lamb,
Millville.
Nicholas Griner,
Edward Sithens,
Lorenzo Rubart,
Charles Reeves. Sr.,
Wilbert Simmerman,
Charles Andreas,
Joseph Tomlin,
Herman Kurtz,
William Ghagan,
A. W. Henry,
VIM. G. Champion,
Roland B. Corson.
Vineland.
Frank Potter,
Edward Carton,
John Miller,
Joseph Spencer
Lands.
Fred Lauderback,
Howard Dolbey.
Deerfield.
Joseph Joslin,
Jacob Casper Ware.
Fairfield.
E. o. Davis,
Edwin Trenchard.
Downe.
Willis Sites.
Frank B. Lore,
Ed. q. Fleetwood.
Maurice River.
William Harris,
Isaac II. Spence,
Alonzo Shaw,
Samuel Chambers.
Stoe Creek.
Lewis E. Tomlinson,
. Lewis Rainear.
Morgan Smaney.
Hopewell.
Samuel West,
Charles Bowden.
Greenwich.
Samuel M. Watson,
Richard s. Bacon,
Frederick Opdyke.
Lawrence.
Philip H. Sheppard.
Commercial
John T. Sharp.
Gabriel Robbins.
To Mothers in This Town
Children who are delicate, feverish and
cross will get immediate relief from
Mother Gray's Sweet Powders for Child.
FU4y
Bridgeton pioneer., 1903-04-09

q "A - TO II r a.
Bears the 71he Kind You Have Always Bought
S'saas''' ss &<NAzzx
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1903-11-26

ance company In the country. There
Is no forgiveness for the man whose
honesty is guaranteed by insurance,
once he forfeits that guaranty. With
this incentive before him, behind him
and hanging over him, the bonded
employe becomes almost invariably a
trustworthy man. Losses on such
risks are very light, and the cost of
this insurance is as a consequence
very low.
The result of this INSURANCE is that
there are very few large business
houses in Minneapolis to-day that do
not require a bond of every employe
that is filling a place Of ordinary re-
sponsibility. This bond is sometimes
paid for by the employing company.
But more often it is made incumbent
on the employee to furnish his own
fidelity insurance.
Bonding Public Officials.
1t was but a few years ago that the
city council of. Minneapolis rejected
the fidelity bond of a treasurer-elect
because it was not an old-style per-
sonal-friendship bond. This old meth
Cd of guaranteeing the good conduct
of public official thru and at the
expense of his personal friends has
seen it's best days in this part of the
country. There have been some dis
tressing losses to the public funds by
reason of the weakness or the dishon-
All the companies in this city writ
esty of such bonds. Recent instances
of this are too fresh in the minds of the
people of Minneapolis to need repeat
ing here. This friendship bonding has
been for generations one Of the I'M
necessary enbarrassments attached to
office holding in America. 1t made no
difference how honest public Off
cial was inclined to be, it was made
Incumbent on him to beg backing of
his friends, in return, for which he was
compelled to feel obligated to them in
favcrs that often he was obliged to
pay with courtesies that did not be-
long to himself, but 10 the, PUBIC TO
give.
This risk and embarrassment is one
of the many burdens that insurance
has lifted from the shoulders. of good
citizens. Such insurance has gone far
toward purifying politics. A law of
the state of Minnesota now permits
the county or municipality to pay for
these fidelity bonds for. officials out
of the funds in the treasury. This in
.larity in this statea and in the amount
of BUSINESS written In this city. Such
bonds it is safe to say will in a very
short time entirely take the place of
the old friendship bond.
ing fidelity bonds write also a class
Of bonds known as judicial bonds or
LAWYERS bonds. These bonds cover
the liability to dishonesty and to bad
Judgment in administration also, of
administrators, assignees, executors,
trustees. and all persons placed in
ffduciary positions with regard to prop
.erty, funds or estates. In this class
are appeal bonds, injunction bonds,
replevin bonds, and a considerable list
of bonds required by law in legal pro-
ceedings. The depositories of state or
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1903-11-26

Probably one-half Of this was written
by Minneapolis agencies. The amount
paid into this state last year for in
IDENTITIES for personal injuries was
$121,393.
There has been a great advance in
the form of accident insurance in the
past ten years. A decade ago par
tial disability" now an important fea-
ture of accident insurance, was en-
tirely unknown. The policies at that
ti1r:e agreed only to pay weekly in
demnlty to the assured in-case he We're
totally disabled from performing each
and every duty pertaining to his &C.
cupation. Now the best of these ac-
cident insurance companies pay one
half of the total disability indemnity
for accidents which but partially dis
able. AS seven out of every ten claims
presented to an accident insurance
company are claims for either partial
disability alone, or for both total and
partial disability, one can readily see
the great advancement in this feature
Of the policy.
Ten years ago the weekly indem-
nifty in most contracts covered but a
twenty-six weeks period This was
later increased to fifty-two weeks,
then to 104 weeks, and to-day the
same companies are paying a weekly
indemnity for period of 200 weeks.
The specific amount then payable for
the loss of an eye, $3.50, has been in
creased to $1,000; for the loss of a
hand or a foot, from $1,000 to $4,000.
The conditions on which the accident
policy was formerly based have been
almost entirely eliminated, so that now
it is possible, provided one seeks the
right company, to secure a policy
for any accident, matter how re-
ceived. Yet there are now so-called
accident insurance associations that
make the conditions under which an
admitted accident can occur SO inn
probable that the insurance is almost
worthless. AS one insurance man re-
Gently put this point regarding a GER
get indemnity under this policy it will
be necessary for me to be riding in a
red wagon, behind a cayuse pony,
driven by a Hottentot, on a Friday
afternoon, and to be thrown from the
right side of the wagon and be run
over by the left front wheel" This
disposition to make the policy for
feitable for various causes is almost
wholly eliminated from the best in
surance companies contracts.
Not stopping with increasing the
amounts payable for the loss Of hand,
foot or eye, the companies, advancing
with the times, have added the In
creased benefits Of free surgeons fees
in addition to the usual indemnities
found in accident insurance contracts.
For example. a policy-holder loses a
leg by reason of an accident; the COM
pany pays him $4,000 for this loss and
in addition 500 for his surgeons fee.
The curse Of the accident insurance
business in the past has been a great
tendency for the insured to change
from one company to another, SO that
any agent was forced to write his bust
ness anew every year. This was be-
cause the policy-holder received no
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1903-11-26

work having been done here in this
line prior to 1895. The field Is a good
workable one, however, so much SO
that six local agencies are doing bust
ness here, insuring both in the city
and turnout the northwest. This in
surance is both cheap and practical.
The majority Of the companies writing
it issue policy covering burglary,
theft and larceny. This policy is APP
houses. 1t covers loss incurred by
forcible entry by day or night by
theft or larceny at the hand of thieves
who enter the house under the dis
guise Of peddlers, mechanics, solicit
tors or otherwise. 1t protects from
the loss by the populations Of serv-
ants about the residence or premises,
or by employees in the business house.
1t extends the same protection to
guests in the house as it does to the
owners.
A burglary insurance policy is not
necessarily limited to a" building or
locality. A tourist f1oater" policy is
issued that protects a traveller against
burglary, theft or larceny anywhere
on the face of the globe. His luggage
and the property on his person are
thereby secured against loss by theft
In this line of insurance Minneapolis
surance is written in this city than in
all the other cities of the state com
bined. Several state and department
agencies are located here.
Fidelity Insurance.
The insurance of an employer, or
corporation, or municipality against
the dishonesty Of an employe or an
official was a form of insurance quite
unknown a quarter of a century ago
To-day this insurance has become one
of the necessities in a well-conducted
business. This form of insurance has
probably done more to lift the aver
age moral level of the office force and
the salaried class in the business
world than any other purely CONNER
cial enterprise. The responsible of
a clerical or managerial position is
by reason of this insurance placed on
the shoulders of the man holding the
position. The young man now seek
ing a position of trust must come with
bond in his hand that insures his
honesty. The recommendation of his
friend or his own representation is
now not enough. 1t is good business
policy to demand his bond, and he
cannot be offended at such a demand
For a premium fee that is not ex-
orbitant the fidelity insurance COM
pany guarantees to make good any loss
by reason Of this mans dishonesty
Before securing his bond however, the
applicant must assure the insurance
company by good evidence and writ
ten test monials that he has never
committed business irregularity, and
that he is efficient in the line in which
he seeks employment Once he lapses
from honesty the company not only
guarantees to make good the loss to
his employers, but they see to it that
he is prosecuted to the full extent of
the law and that he is blacklisted on
the books of every other fidelity insur-
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1903-11-26

additional benefit for staying in one
company. To-day the better accident
insurance companies are working for
the retention Of their policy-holders.
Each year that policy-holder renews
| his contract the amount payable in
| case of death, loss Of hand, foot Or
eye, or both hands, both feet, or both
eyes. increases 10 per cent each year
for five years, SO that the assured has
gained in that time SO per cent adj
ditional insurance which has cost him
nothing 1t is a premium for faithful
ness to his insurance company. This
feature is common only to certain old
| line companies.
Ten years ago the agents were forced
to explain to the public just what &C
cident insurance really was. To-day
the public is almost as familiar with
this branch Of the insurance bust
ness as the agents are. One Of the
leading agents in Minneapolis esti-
mates that whereas ten years ago
about two in ten Of the business and
professional men of the city carried
some form of accident insurance, now
not less than eight out of ten of these
people are carrying policies of this
form.
From the personal accident insur-
ance idea and that of fire insurance
as we'll, great variety of casualty
|
many Of which have thriving agencies
in. this city. Among these the most
rapidly growing line is that Of en-
ployers' liability Insurance. This in
surance guarantees employers against
loss or damage by injury to employees
or to anyone for whom the employers
might be held legally responsible.
$5,C0u on any one person, or $4,000
on any one accident But it is a
blanket insurance, taking care of any
emp.oye who may at any time be in
Jured in the employ of the insured.
Under this class Of insurance there
are many forms. One is called the
wcrkmen's collective insurance, the
premium being based on the employ
Eer's pay roll, the insurance company
agreeing to pay a certain weekly in
| dernnity, and surgical attendance to
the injured employees. The premiums
for this are often paid by the en-
ployes themselves, the amount each
week being withheld out Of the pay
checks. This form Of insurance is
much in vogue in Germany, and there
is highly perfected and in very COM
mon use. Team insurance is q branch
of this class of protection. This in.
sures the owner against the injury by
This teams of employees or the public.
This insurance has a large patronage
lin this city. Public liability insurance
lis also growing in favor in recent
years. This insures the owner of any.
property against the injury, not Of en-
l.ployes, but Of the public, by reason
| of accidents on his premises. Passen-
ger. elevator insurance is a form of
this protection. Probably every pas
senger elevator in this city is covered
by such a policy. Inspectors are reg
ularly employed by the insurance
companies to look after the good con-
dition Of these public conveyances.
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1903-11-26

Steam boiler insurance is one Of the
most common forms of casualty insur-
ance. For this protection this state Is
paying about $4,000 annually. Under
this insurance all insured boilers are
regularly inspected by the insurance
companies men, and the safety of the
public, is thus far better conserved
than it would be If left alone to the
states inspectors. The general public
has but little idea how much loss Of
life is avoided by the vigilance of the
corps of men who are looking out for
the betlcrment Of the risks underwrit-
ten Oy the casualty insurance COM
panies.
Plate glass insurance is q form of
casualty insurance that has grown to
d much greater degree than is COM
monty supposed. 1t is doing g. good
business elm this city, and the state at
large is paying about $4,000 an
nually for this protection. This in
sures glass against any damage by
accident or storm. The losses paid in
this state last year were about $751;
900 on this score.
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1903-11-26
THE CoRsER INVESTMENT co.

The Corser Investment company was
established in 1870 by Elwood s. Cor
ser, who came to Minneapolis from
New York state when the city was but
small town compared to Its pres
ent size. It's officers are: Elwood S.
Corser, president; Lester B. Elwood,
vice president; William B. Tuttle,
| treasurer, and EDWARD b. NICHOLS,
secretary.
Mr.. Elwood, its vice president, came
to Minneapolis from New York in
1875. and has been identified with the
house ever since. Mr.. sTuttle, Its treas
lurer, has been g. resident of Mime
apolis since 1857, and associated with
the company since 1881. Mr.. Nichols,
its secretary, came to Minneapolis
from Hartford, Conn.,, in 1885, and
has been identified with the house
since that date.
This company does a general real
estate, mortgage loan, collection, rental
and insurance business, making a spe-
cialty Of the care and management
Of nonresident estates. 1t has In its
charge the estates Of a number OF
strong financial concerns Of the east,
notably the New York Life Insurance
company, Philadelphia Mortgage and
Trust company, Philadelphia; Man
chester Savings bank, Manchester,
N. H, and those Of many more similar
financial Institutions having landed i'm
terests in Minneapolis. Among the
estates Of private individuals which It
has in charge are those Of S. Weir
Mitchell, M. D., Philadelphia; John T.
Trow bridge Of Arlington, Mass; Ed
win Aldrich, Woonsocket, r. l.; ex-
Admiral George B. Balch, Baltimore.
Nd; James Schouler, Henry w. Hart.
Robert M. Burnett, Boston, Mass:
George G. Flint Of the Flint Furni-
ture company, New York, and the
properties Of three-score or more own
ers scattered turnout New England.
1t has on its rental books upwards
of a thousand tenants. 1t has had
charge Of the New York Life build
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1903-11-26

other public moneys are required to
furnish bonds for the proper handling
of, such funds. These bonds are now
furnished by bonding companies.
In: the field Of fidelity insurance the
Minneapolis agencies have made very
rapid advancement in recent years.
This line offers one of the most fer
ers in this city. The total amount Of
fidelity bond insurance written in Min
nesora last year more than SAT-
COCO an increase over the work Of
the previous year of about $4,000, 900.
Not far from one-half of this bust
ness was written in Minneapolis.
There is every reason to believe that
the field for this insurance is but just
well opened, and that this city will
show a very great increase in this line
of business in the next few years.
Surety Bonds.
This insurance is not so much the
underwriting of losses by dishonesty
as by financial inability to carry out
a contract. The total amount of surety
bond business done in Minneapolis last
year was over $11, 5000 for-Which
the premium receipts were more than
$4,000. The losses for the year were
but 24 per cent Of the premium re-
ceipts The benefit of these bonds is
more or less known to every citizen
of Minneapolis. Every man who has
built a house on an architects plans
and specifications knows that one item
Of these specifications is that the con-
tractor shall furnish a bond to sindem-
Nifty the owner. against any loss by
reason Of liens for labor or material
or against failure in any way to carry
out the terms of the contract. In
public works these bonds range in
amount from one-half to the entire
consideration in the contract. Such
insurance saves the owners Of build
ings in construction no little loss of
time and money and worry because OF
irresponsible contractors. These bond
ing companies sometimes take a con-
tract that has been given up by an
irresponsible contractor and finish 1T
according, to the specifications. The
steadiness that this form Of insurance
gives the building trade Is a matter
of large and substantial value.
Casualty Insurance.
The idea Of insurance against per-
sonal accident, like almost all other
Insurance., had it's origin in England.
It was transp1anted to this country by
James @. PATTERSON, president of the
Travellers Insurance company. When
it was first introduced in America it
was taken as a huge joke, but at the
present day it is taken for practical
purposes by the millions of dollars.
The first accident insurance policy is
sued in. America was one insuring a.
man against accident to the amount of
5000 on single trip from his home
to the postoffice. The consideration
was 2 cents. This was in the. year
1863, just forty years ago. Last year the
premiums paid in Minnesota for. new
accident insurance amounted to $685.
1853. and the total of new business
written was more than $4,000, 900.
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1903-11-26
FIRE INSURANCE
(Continued from Page b. =. Real Es-
tate and Insurance Section.)

storage capacity in the terminal ele-
vators Of Minneapolis, more than one
third Is Of the fireproof tank con-
struction. No more large wooden ter
m1ndl elevators Will be built in this
city nor elsewhere in this country. In
this style Of elevator Minneapolis leads
the entire world. It Is safe to predict
that the wooden elevators of this city
will all be out of commission within
the next decade, driven out by the
cost Of fire insurance on them and on
the grain stored within them. Twenty
five years ago the insurance companies
received as high as 3 per cent per
annum for the insurance Of a. wooden
elevator and the grain within it. To-
day risks are taken on tank elevators
and the grain in them as low as 25
to 35 cents per hundred dollars per
annum, while some of these elevators
carry no insurance at all. On grain
In the wooden elevator the law COM
pels the banks to refrain from loan
ing money unless it Is insured The
law permits of loans on uninsured
grain in the modern fireproof eleva-
tors. The difference, therefore, in in
surance alone, on the running of a
fireproof tank elevator and a wooden
one may be as high as $4,000 year.
This handicap is enough to push out
the wooden elevator in the long run.
On the other hand. this evolution of
the elevator is greatly decreasing the
income Of the fire insurance agents.
Twenty-Five years ago the follow
ing were the fire insurance agencies
doing business in this city: e. B..
Ames, Gale & Co., McFarlane, Burd &
Co., Pierce & Green, Cheney & White,
McNair & Dolliver, E. Eichhorn,
Baldwin &c Mcmillan, r. w. Cum
mngs, Silsby, Corser & Co., |. G.
Seeley and +. T.. Balch. From this list
of agencies there remains to-day in
Minneapolis, represented among the
10 fire insurance agents in the city,
the following: A. +. Gale and Otto
Greedy, both formerly of Gale & Co.:
e. NJ Christian, formerly with Nc
Nair & Dolliver; e. Eichhorn and p.
D. Mcmillan.
Insurance Against Dishonesty.
The insurance idea has had very
wide extension since it was first ap-
piled to loss by death, fire and acc1-
dent. The fact that these three great
risks have been successfully covered
by insurance to the sure protection of
the insured has led to the covering of
almost every other unavoidable risk
These various forms of insurance are
represented in Minneapolis by lead
Ing companies in each line, and 1T is
said by representatives of these COM
best in the country for work Of this
kind.
Burglary Insurance.
This insurance is of comparatively
recent date in Minneapolis, very little