The Montgomery advertiser., 1904-02-21
n. potential tIpDllns of Als wife. or.vioo

the potential tippling or nis "lie' or NiSe versa. 4.
 Still another odd form of insurance is A divorce clause, whereby the injured party'' may have his or her wounded feelings repaired by the payment or hounds. shilIings or pence. This peculiar form of insurance has not yet been in- troduced into France, although one or two Russian companies will assume risks on the question of loss through continued intoxlcation.
 An Appendicitis Policy.
 A New York insurance firm has the fol- lowing special clause providing for partial indemnity from appendicitis:
 "In the event of the assured undergoing an operation for appendicitis, this policy Is to pay all expenses incurred directly In connection herewith (not exceeding the sum of s- in alp, but in the event of the operation being performed and death ensuing as a direct result of the same within thirty days thereafter, total loss of the sum of 1" to be paid there under.
 For the recovery of claim hereunder, 1t is necessary that the assured should ascertain that he (she) is suffering from appendicitis during the currency of this policy, and that the operation should take place not later than the expiration of one month from the termination of this policy"
 Fidelity and casualty insurance has been most progressive within the last five years, and there are many companies in New York that make a business of insuring against loss by burglars, eleva- tor mishaps, robbery by servants. acci- dents of every degree and kind, whether self-contributory or otherwise, loss through delay in steamer and train tram sit. fraud by clerks and other employees and loss through legal actions. All the big express companies, dry goods stores, coal firms and trucking houses pay certain sum every year as protection against damage suits by drivers and helpers who are hurt while in their em- pIoy. The insurance companies contest suits or effect compromises.
 One large company in New York man. aged by a once-shining light in Tam many, makes a speciality of insuring sa- lool proprietors against pecuriary dam age through arrest for violation of the excise laws. This company furnishes lawyers, who appear in the courts to question and perplex witnesses, balls out the bartenders and otherwise protects the interest of the accused.
 Several companies insure druggists against blackmailers or even legitimate victims of careless clerks. Mistakes are
 
 and suits are the result About a year ago a gang of sharpers set to work to | blackmail New York druggists by claim l ing their health and lives were endanger- | ed or impaired through clerical inaccur- l acy in filling prescriptions. The black | mailer worked on the safe theory that l the average reputable druggist feared | the publicity of such a charge and a | number of chemists settled with the | blackmailers without much question, | though realizing it was blackmail. At | last the claims became so numerous and | outrageous that the druggists were | obliged to seek the insurance companies | as a protection. This broke up the gang. l
 The income of some fidelity and casu- | altv companies through furnishing bonds | to enployes is enormous. Collectors for l milk stores, gas companies. ice compa- | nies. butchers, bakers and tradesmen are | now compelled to furnish bonds and the l Government and municipal employees are | obliged to do likewise. When an em- nloye absconds. leaving the employer to | fall back upon the company for dam l ages. the latter never lets up until it | laws hands upon the dishonest man. Like l tha Government, 1t wdll follow him for wears around the world until he is cap- tured.
 Every form of insurance imaginable, even recompense for damage for personal injuries because of an attack by a moth- er.in-law. may be obtained. It is mercy a question of looking for an up-to-dats