The San Francisco call., 1908-11-29
E. r. Thomas Hcrmis, Which
Was Insured for 100000.
Photo BY PenheId.

claim the next week or the next month animal
that is about die.
only way to prevent such robberies is to make
minute examination of preceding the is
suance of the policy All the horses look about alike
the man who rides in the subway in automobile,
but skilled veterinarian seldom difficulty
inaton he notes which side the hangs, also
taking in with his eye every spot. scar. and
that trained observer detect, difficulty
sometimes SO great as to be almost bafiing.
The owner of matched grays had them
insured last Each horse a name which was
policies But the difference in the only
difference in the animals. far ordinary per-
of the horses owner offered to wager the in
surance official who came to adjust the claim that he
could t not mott tell which horse was dead
The insurance man took the bet and
- ~ IN me 40" you did IT, SAID the owner and YOU
$500 DeS' Sp''' second ~a'e" ca" 0uy iOr
The insurance pointed to the little black spots
legs the knees
go are the & spots on the horse that's living But the
circumference than those on the other one"
r
You don't get the watch" the owner In
trying to find wherein if anywhere, those
Iered had even looked at the their
found not only that they We're the shape. but
Not quite size replied the insurance man.
When made the medical examinations before is
spots aere quarter of an inch more in
circumference than those the other.
and see if ! right"
The owner forced to admit that his eye was
not so trustworthy the other tape measure
The death rate among workhorses great at
II they Were insured on the same plan men the
rates would either prohibitive the COM
panes would become bankrupt Every year practically
oneeighteth of the population of the Tnited States
dies During the period en-e ghtieths o
oneffth. of the horses n York pass away AS
the annual premium is only per o amount
insured and the average life of a workhorse
gets here is seven years only 50 would
IN before the death of the animal would convert the
policy into cash But insurance policies upon horses
unlike similar policies the lives of beings
can not be Kept up until the death of the insured
without the consent of the company. when age
policy IS either Cancelled at the end of the term for
which 1t was issued the paid a death
animal
Yet the nigh death as men are response
bic for It at all is due more to ignorance than
mess. Some men, it is true. look their tEuck
Of their investment in their business
work my horses hard. enough they for
his teams in an east side stable. any work get
But most are more consderate some of the
drivers, although they working only by the day.
have positive affection for their teams giving up
many hours of their leisure provide them the best
Of care The horses of the express companies par
press companies own from $500 to 1000 horses.
Best cared for of all however the After
the the winning of great turf event the of the
winner may eat more than is good for him, his
never does lie gets his little eight quarts of
oats just as II he hadn twon enough that
ouy an oat field 20 miles long. rubbed down.
coddled and tucked in STALL he has pure
air. clean bedding plenty of room.
And this sort treatment its logical
suit Racehorses the risks that horse nsur-
ance companies have with that they never
de; they do But they wait racing days
over and the policies their lives have can
celed If 1T were for railway accidents the paw
ments of death claims and runners would
be almost unheard of events
r = 3
Yet this class carries the heaviest line of
NE insurance that is. borne by any the species
E. r. Thomas sHermis which won the Suburban handi--
in 1904 one time the most heavily insured
horse that ever raced If Herms dropped dead
at the height of his the
ried the risk on his life would have compelled
pay Mr.. Thomas $4,000.
Paul Raineys De Mund was at one time insured for
$4,000, while Colon, who for his owner, J.. r.
heene IN 1907 s1S100O in stakes. carried policy
only $4,000.
Among the racers the risks upon whose lives are
now underwritten for large may mentioned
Fair Play whch is insured for $4,000 Octagon
Six O'Clock. for $4,000 each Alfred Gwynne Wander
bt carries 81 10000 blanket policy stable part
OF which CHI is in London and part in America Harry