Los Angeles herald. [microfilm reel] (Los Angeles [Calif.]) 1900-1911, 1908-11-22

IA studied
~ That was progress in education Aee he
might have gone further.
Set This down as fact:-The more one
stndies horses the better he will understand men,
They have much in common. The glaoness ana tue
sadness of their lives often run strangely paralei
courses.
There is an equine east side in New YORK tnat Is
every bit as bad for the horses as the same soe is
for men, And there is wealthy zone In which the
predecessors of the automobile live sumptuousy' as
do some men.
Moreover the lives of horses, like the lives OF men,
are insured The lives of the poor horses that Work
hard and suffer much insured for little just as 'e
same class of carry industrial insurance.
And the lives of a few horses that never dragged
truck an inch are covered with larger policies tnan
many a first class merchant carries. These horses
though thew know not useful TOLL have the ability to
win huge purses They get the money. They are
valuable Hence the big figures of the underwriters
~ ~ -
Now York ms city of horses has population Oh
100000. of which $4,000 die every year Inc late
noet Edmund Clarence Stedman, speaking OF the
human beings who live in the city, said, mo Ne"
Workers. were born here we all come from some"nere
else" It's the same with horses. Most OF pnen
came from the Middle West. horse is Dorm anu
brought up in Iowa, Nebraska or In one OF the Ia
kotas By the time it is five years old 1t has eltner
heroine AHCSASSAS $1,000
horses or given signs of power to do greater Things
IF tbe animal be of extraordinary weight build ana
vgor # is quickly spotted by one of the numerous
huvers who go out from Sioux City, the country
greatest horse market Negotiations are opened VIII
,t onar and IN nine cases out of ten the horse soon
leaves the prairies forever If it be an exceedingly
good animal it is sent to New York. Otherwise II
may 90 to Boston Providence, r. l., when ulVlue III
the order named, the good horses that are not qu'
fine enough to be sent to New YORK.
And then happens to that horse practically what
bannens TO the Iowa farm hand who perhaps comes
to the city on the day 1t begins 10 WORK haruei
than it ever worked before in its life, ana II DeslhS
to eat too much These two acts spell early oeAen'
And the mortality statistics of the horse Insurance.
companies show the effects Of city life as lnexorapy
as do the figures of the companies that insure tne
lives of men, A country horse five years ola may DC
expected to live twenty more years If the city worA
horse isn't dead at the curb by the time 1t is hfeen
# is because something has happened that the NOR
tuary experts cannot figure upon. Seven years VI
the hard work OF New York kills the average horse
And the average horse, thanks to the Spanish
American and the Boer wars, is valuable-hence the
anxiety of many owners to insure their horses lives
A good team of draught horses Is worth anywhere
from 5000 to $1,000, and anything that can stand in
its tracks and support its skin can be excnangeu
without much difficulty for $3.50
* - -
Broadly speaking, two concerns carry the risks on
+be lives Of the 1--WE thousand New York horses that
are insured Most OF the risks forsess than $500 are
carried by New York company. All of the policies
IN excess of this sum issued by Lloyds OF Lon
don.
Most of the horses that carry insurance IKE most
men, carry only small amounts. Big numbers Oh
policy holders and big dividends go together there
fore the insurance of work horses is more lucrative
than the insurance of racers
When application is made for insurance on the Ire
of work horse the procedure is much the same that
1t is in the case of a man. No insurance company
will assume risk on the life of an idiot and in IKE
manner M horse insurance company will issue A
policy on the life of dummy" Horses again, are
like men in that some have sense and some nave
not; and dummy" is horse that would permit IL
self to be driven off dock or into moving train
Nor win any horse insurance company issue pohcy
on the life Of steeplechaser If the occupation OF