Los Angeles herald. [microfilm reel] (Los Angeles [Calif.]) 1900-1911, 1908-11-22
Paul Rainey's De Mund, In
sured at One Time for $4,000.
Photo by Cook.

seeplechaser has counterpart in human existence
is that of an employee in dynamite factory Neither
can get anybody to risk cent on the probability Ihat
he will live from one minute to the next.
Chronic collie is also sufficient to bar a horse from
life insurance. Collie is caused by eating too much
food or food of the wrong kind And what tuberculosis
of the lungs to the family collie is to the tribe
of the horse It kills more animals than any other
disease And for this Is to blame He wants 10
get all the work he out Of the animal and shovels
feed into it as he might shovel coal under boiler or
else he wants to money by feeding spoiled oats
and hay In any the horse gets the collie, when
soon gets" the horse.
"Horses can't stand pain as can" said II. Arnold
Bliss a well known veterinarian. "a pain that a man
would endure without making cutlery would drive
horse frantic There have been instances where horses
actually became insane as the result of pain. And
collie If 1t doesn't kill animal outright, will make 1t
so hard to manage that the owner will soon wish the
horse dead"
If a horses heart goes about the right gait both
when the animal is resting and when 1t is exercising
the next thing investigate is the stable in which 1t
lives The duration of work horses life is largely
dependent upon the given to 1t after the DAYS
work is over and IT is in looking into this question
that the inspector is than likely to be plunged
into one of the miserable structures that constitute the
great least sde' Of the horses Sometimes five or six
hundred animals, the property of contractor, are
hudded into building in which there is neither light
air cleanliness nor room. In the hottest nights OF
summer there they stand dripping with sweat and per
haps covered with mud from head to foot 100 I'M
comfortable sleep and too tired to eat they stand IN
their stalls like so many drowned rats until the coming
Of morning Then they go again into the great pit that
is to hold the foundation of skyscraper and tug with
nisrlk hroat "a a
away the shattered rocks that explosives have torn
loose Three or four years of this kind Of life will XIII
the average horse and the insurance companies are
correspondingly careful Insurance on an old truck
horse is hard to get.
If the horse 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 OIL
the owner is so great in horse insurance that it must
never be neglected. Not every who wants to in
sure work horse for $3.50 will kill the animal to get
the Insurance. but many will do that an eve has
to be kept out for the dishonest man.
- - -
If the applicant seems to be all right he pays an
Initiation fee of So in addition to annual premium
representing approximately five per cent OF the sum
insured, and policy is issued
But getting risk on the books is the easy part Of
the task it's settling death claims that requires 1udg
ment memory and sometimes almost intuition
man VIII come INTO an 1nSurduce ohlCS AoA AA9SNN'
and say that his old brown truck horse is dead Inc
animal worked the day before apparently in its usua
health ate the usual amount at night and was found
the next morning cold and stiff in its STALL Horses
sometimes die natural deaths in that way and some
times they don't 1t is the duty of the companys
veterinarian to investigate the circumstances and
ascertain the facts Frequently the investigation In
cudes post-mortem examination.
81 had a case like that little while ago. said an
inspector for an insurance company. THE most l
could get from the was that the animal had
breathed his last, and that very suddenly. didn't
like the looks of the man, and investigated. What do
YOU suppose found? chewed up apple with
arsenic enough in 1t to have killed ten horses. The
man had simply plugged the apple with poison and
fed it to the horse.
II have known men try to collect their insurance
by administering prussic acid to their horses. Some