The San Francisco call., 1908-11-29
Paul Rainey's De Mund, In
sured at One Time for $4,000.
Photo by Cook.


Aas happened that the mortuary experts can not gur
upon. Seven years of hard work of New York
kills the average horse
And the average horse thanks to the spanish-Amer-
lean and the Boer wars is valuabe-hence anxiety
of many owners insure their horses lives good
of draft is worth anywhere from $500
to $1,000. and anything that
support its skin can be exchanged without
feulty for $3.50.
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Broadly speaking two concerns carry the risks on
the lives Of 5000 New York horses are insured.
Most of the risks for less than $500 carried by
New York company. All of the policies in of
this sum are issued by Lloyds of London.
Most of the horses that carry insurance like NEST
mer. only small amounts. Big numbers os policy
holders big go together: therefore the
insurance of work horses lucrative than the
Insurance of racers
When application is insurance or the life of
Wor<horse the procedure the same thatit is
in the care. of No insurance company will as
sumo risk on the life of idiot and in like manner
no horse insurance company will policy on the
life of dummy Horses again are like men in
that some have have not; and a
dummy is horse that would permit itself be
driven off a dock into moving train
Nor will horse insurance company issue policy
on the life of steepe chaser the occupation of
steeple chaser has its existence
1t is that of an empoye in factory Neither
can set anybody risk the probability that
he will live from minute to the next
+ = =
chronic collie is also sufficient bar horse from
life insurance. Collie is caused by eating too much
1000 or food Of the kind tuberculosis
OF the lungs is to the human family to the tribe
OF the horse 1t kills animals than any other
disease And for this man is to blame He wants 70
get all the work he out of animal and shovels
iced into as he might shovel under boiler or
else he wants to save money by feeding spoiled oats
and hay. In horse gets the collie which
soon gets" the horse.
Horses can't stand pain men cam said F. Arnold
hiiss wen known veterinarian. "A pain that a man
would endure without making outcry would drive
morse lrantc There have been instances where horses
actually became insane the result of pain And
coic' II it doesn't Kill an animal outright will make it
so hard to manage that owner will soon wish the
horse dead"
II horses heart goes about the right gait. both
when the animal is resting and when it is exercising
he next thlng to investigate is the in which it
lives. The duration of horses life is largely
uepshoeht upon the care given to it days
Is over ana 1t is in looking into this question
that the Inspector is likely to be plunged
east side of the horses Sometimes .e i
hundred animals, the property of a contractor are
air. cleanliness room In the hottest niebts Of
summer there they stand, dripping with sweat and
perhaps covered with mud from to foot Too un-
comfortable TO sleep and tired eat they stand in
their stalls like so until the coming
is to hold the foundation slyscraper and tla with
an their might two or three teams load to drag
loose. Ihree or four years of this kind of life will
XIII the average morse and the insurance companies are
correspondlngiy careful Insurance on an old truck
horse is hard get - p
II the morse is all right perhaps the owner isn't so
he is always investigated Perhaps glance viii settle
the point in his favor, but the moral hazard of the
owner is SO great in horse insurance that If must
never be neglected not every man who wants to in
sure workhorse for $3.50 will the animal TO get
the insurance but so many do so that an eve has
to be kept out for the dishonest man.
+ +
IL the applicant. seems all right he pavs. an
in qdd
representing approximately 5 of the sum in
sured. and a policy issued - <
But getting a. risk on the books easy part of
the task its settling death claims requires iudg
ment memory and sometimes almost intuitfon A
man will into insurance office for instance
and that his old brown horse is dead TIE
animal worked the day before apparently in its usual
health. ate the usual amount night and was found 4
the next morning cold and stiff in its stall Horses
sometimes die natural deaths in that way and son,a
times they DON'T 1t is the duty company's vet
ernarian to investigate the circumstances and ascer
tain the facts Frequently the investigation includes
examination