The Cairo bulletin., 1908-09-13
MAY BE RESCUED BY PROVIDING
COMMON SENSE SYSTEM OF
FIRE PROTECTION.
A STRONG INDICTMENT
OF City Authorities In Address at Mer-
chants Luncheon BY Henry S.
Candee, President Cairo
Board of Unde writers.

Following is a fun text OF the adj
dress delivered yesterday afternoon at
the Merchants Luncneon at Alex
andel Club Grill Room, by Henry s
Candee, president OF the Cairo Board
OF Underwriters, in response to a re-
quest made upon him at the previous
meeting of the merchants:
The general subject of insurance
is such bread one and of such in
terest to the student of conditions
that &C to make up the risk assumed
when corporation pledges its good
faith, commercial honor and the
funds at It's command. for a com
paratiyely insignificant cash consid-
Grafton against the possibility of
damage or destruction of certain
specified property by the particular
occurrence, force or element against
which it insures. that it is perhaps
fortunate matter not only for my.
self bit my listeners that that part
OF this almost unlimited subject Sc
lected for this afternoons discussion
is confined FIRST to fire insurance
rates only and secondly, the condi-
tions in this city that affect them.
have. to give You fair warning. |
special dispensation from your chair
man in so far as the five minute rule
is concerned as | have found that
could not comprehensiyely cover the
subject in such a limited period. If
at any time however as many as
two O: three of you begin to careless
ly shy the chnaware In this direction
| VIII take il as a polite intimation
that ! have discussed the subject to
your entire satisfaction ana this elias
ST. will abruptly end
PIT I'm such warm adyo.ata of
that same five minute rule when the /
honor and pleasure Of addressing Won /
is not nj" own that will endeavor TO
press the limit only so far as is
necessary to present to You the facts 1
and figures which tell the story of r
yesterday and today in contrast with i
the possible future to which | par. IN
ticularly wish to direct YOU. In fact p
| regret that it is necessary to refer g
to past conditions at all aud il is e.
only the fact that the underwriters of lli
the city have been placed in meas
ure. on the defensive in the matter of
FIRE rates in Cairo that leads me. !.
ser appointed champion to defend T.
the honest effort ana GOOD faith of the ii
ilsGnco agent of lhis .itg and in. q
".tentslh place roe burden Of heavy lpi
insurance pr"miums in o'ai,o gently -
bn- ormlf "he~e It belongs. s.
Timely Warming. ga
I'M situation So tar a. ire m.ur. la
anoc rates in this city is concerned il
the same today that it has been for Iho
moro than three years past or since, Ia
MAY 1905. There have been of m
curse. many alterations In the rates zoe
IF individual properties which change $50
'oLstantly owing to conditions with. Ga
n themselves or the agreement IvI m,
he assured TO certain warrantips for re-,
which credit is given After over six ia,
aonihs published warning Cairo was mo
g 'ated under its present schedule lar
BE- application of which began in Dc o.
ober 1903. the PRONUNCIATION of the sta
CIV rates occurring. as have stated hrs
b" following NAV When il became
nrarent that the new schedule, =
.aae necessary By the constantly In. nav
reasins fite waste throughout tho az
'untrl. would materially advance sr
- rates on certain classes. the To- and
u agents Of this city diligently cir ta-i
Lated the tact among the prominent pral
surcrs and members # tine city ad- tiCl
Illustration IF tat peiiod aud ~
-crsly advocated and urged action tocr
The part of tho city which would prim
. it been followed. nave rsrrei p
ri i'asi 2 cort average rrfirft-on ci1s.
fesf rf considerable ar,rae. al lrmi
rec. .prbi
Warning Unheeded. Jas ~
T1r press was subIsili7cl a7d usde
r. m fle Uums rors copies If tha TO- inc
Editions Of Seftenber October char.
Novewber 1893. containing col eanii
g 81 matter relevant 10 the sifuz- wish
J. EUTes AMI tables and care mcHr
y prepared list Of requirements hriia
ictail. al supported by urgent Fir
orials in favor Of action on the taagi
g. those in authority 10 remedy Of as
fine conditions and make II pos wears
? for the state rating authorities tabn';
place Cairo in a basis class 20 that
ch its size importance and vol sonsb