Barton County democrat. [volume] (Great Bend, Kan.) 1885-1915, 1912-10-11
FARMER. AMP BIG CHANCES.


4 greater or lesser extentCso, be-
cause we can't help it-so, because
there is no lead-pipe cinch on any |
undertaking. Recognizing the element
OF chance, various schemes have beer
. evolved by which it is possible toI
~hedge" and so protect ourselves and
cur enterprises.
The manufacturer insuresahis plant
and his product cN hand, against fire
wind and water. He inSures against
liability for injury to employees. He
tnSWes his life to protect his family
and business hedging against his
debts. He insures against these and
a half hundred other contingencies.
BY this he eliminates to the greatest
extent possible. loss from the chances
he is necessarily forced to take
those chances he cannot avoid and
, continue to do business.
How about the farmer? He is the
hing of gamblers-nCt by choice, but
because the exigencies of his business
make him such. He CANDLES with
The elements, the seasons; disease.
accidents, etc. His crops may be ru-
Saed by hail or wind, his harvest may
burn, his growing crops fail for Lack
az moisture or devastation by insects
Or hot winds; his hogs, horses and
cattle die from disease; his buildings
may be destroyed by wind, fire or
lightning, and SO large part of the
accumulation of a lifetime be wiped
out. This makes him the king Of
gamblers. His situation cannot be
changed.
. Protective means have been evolved
Tor the manufacturer and the mer-
ehant. The nature of their business
has made this possible. The farmer
cannot be supplied with protection
Co the same extent. But the farmer
can and should, by the means at hand
protect himself to the greatest extent
possible.
The farmer should insure his farm
buildings against fire to their full in
surable value The company should
be. reliable and substantial, and the
Insurance should not for ore minute
De allowed to lapse. The same build
tngS should be insured against loss
by wind. The contents of these
buildings should likewise be insured.
IN the case of the barn, insure hay,
iced, harness, implements and live
stock against fire and lightning. In.
sure the granary and its contents of
wheat, corn, oats, ETC., against the
same contingencies. Insure the fatm
residence and its contents too. You
Shonh insure live stock wherever il
may be on the farm, against light
hing. The growing crop should be
insured against hail and wind. ant
the hay and grain in stack should bt
-. Insured against fire.
If growing crops and crops in stscl
are not insured, and loss should re
suit, only a seasons work is lost.
che buildings and farm equipment ar
destroyed, the loss is often the re
suit Of a kfetime's accumulation. TIL,
farmer who does not protect himsel
oy Insurance to the fullest extent h
can is taking a big chance-a loni
'ehance-and the savings of years ar
at stake. Fortunately he is not SuS
1ect to the same risk as the manufat
eUrer, but the factor Of Inability max
tarm insurance rates lower than Cit
Fates-so the costs are reduced pre-
portionately. The farmer cannot a
tord to take his chances with an
greater degree of security than tn
man in town. .
The accumulation of live stock n
presents years of hard work and fin
gality. On many farms it lis all (
the yearly gain. The herd is suscept
Die to loss from sources which do n
place buildings in jeopardy. The liz
stock may in a night be taken o
by an epidemic. The lives Of hors'
mules and cattle can be protected |
Insurance. Not so with swine. Sar
taEy sheds and pens and careful fee
Sng-promOitng good health-isan I
protection the hogs can have, al
Sudh means are well worth while.
The farmer takes long chanc
and big risks. He has fewer of t
esse9tialS' Of assured success at
commend than the manufacturer. ]
one stands ready to help him to
same extent that those in other ca
=. lngs are helped. Because he is co
s.Qelled in large measure to cal
- bis own risk is. the reason that
should insure as far as he can, a
when he has done this, employ