Lincoln County times. (Jerome, Idaho) 1911-1919, 1913-02-20

| lnent lnauBuTdleu Ill lIllS SccIlOl Ol
the state that had for its purpose IA
more meritorious aim than the or ,
ganization Of the Lincoln County {
Stock Growers Int r-Indemnity
Association which has been brought {
about by the labors Of few of our
farmers and citizens Of the town
who have the best interests Of the
community at heart.
The hardships endured and the
expenses incurred by the pioneer in
building up a new country are of
such a nature a. to test the lnettle
of any man, and when to these bur
dens is added the loss Of an animal
now and then, the struggle seems
to be almost hopeless. The record |
of the past in this section brings to
mind instances wherein settlers with
only limited means at their COM
mand, and relying on a good team
} Of horses or some dairy cows to de-
; fray the necessary living expenses,
] have unfortunately lost one or more
Of these animals. On some the loss
- has fallen very heavily, As with no
& resources at command there was no
II way to replace the lost animal ex-
" cept through the generosity OF their
e neighbors, or the incurring of obh-
e cations that were hard to meet.
'r With these instances in mind a
L. movement was set ON foot some time
J. ago to devise some means whereby
ie settler could be given some pro-
~ lection at least from the loss by
ut death of a horse or COW. 1t requlr-
er ed no little labor to work out the
ne details of such Il plan, a the insur-
ance laws of Idaho are of such
nature a. to practically prohibit tn,
he mutual plan, but with the aid o
Ell an attorney and the assistance o
he the State Insurance Commissioner
n an indemnity plan OF insurance wa
st. arranged which met with the ap
ro- proval of the commissioner and
I'm certificate was accordingly issued
lat The plan as approved preclude
ri the possibility of any profits accru
'de ing to anyone connected with tn
ent organization. In fact, this was nc
bill the intention of the instigators {
red the movement, and the only oble'
sls- sought was to formulate cooper;
tive plan to assist one another
misfortunes Of this nature.
Il, Briefly stated the objects of Il
''' Association are for the purpose
VI affording its members an' opportul
0'0 itv to exchange indemnity amol
'ie themselves against loss by reason
'''' death from accident or any caus
anu of horses or cattle. The affairs e
i"u' the Association are in the hands
~ an Advisory Board of seven mel
wa" bcrs who are elected 10y the mel
~" hers of the Association. This boa
, " is required to pass upon the val
VIII of all animals, and approve all 4
plications for indemnity. No ho
will be accepted for an indemn
lade to exceed $4,000 and the In
ring placed ON cattle is $1,000. In orc
Y of that there may be no incentive
ltro- unscrupulous members to illega
, bill dispose of an animal covered by
the contract in the Association, no G.
way, tract will be written for an amol
icat- exceeding 60 per cent of the act
the value of the animal. Every :;
10y guard possible has been thro
cries. around the members to protect I'll
lat il from any fraud or deception ON
con- part of anyone.
Upon the satisfactory proof
death of any animal covered b.
ap- contract in this ASsocia'loh'
ses of owner of the same will be !
wears promptly the amount as called
}. If in the contract. inns money Is
To he rived from an assessment upon
strict members OF the AsSoclauoh' J"
in no case can exceed one per