PROCEEDINGS IOWA FAIR MANAGERS ASSN. 171 



perhaps the race wasn't finished the first day, and if you had a demon- 

 stration of food advance work the second day friend wife will come along 

 too. In that respect you could use the state extension department, you 

 could furnish a tent for them and the department would furnish the rest 

 of the food demonstration or any line of work that perhaps the committee 

 from your county would select for that time. The usual course we give 

 at the fair we have two thousand people in the four days, remaining 

 through the entire demonstration, and that really means that the type of 

 people you want to be interested in your fair because they are going to 

 br.ck you in your fair work. 



There is nothing that takes the place of the women's work in a fair 

 because to make a fair function as it should it has to entertain and 

 amuse and educate the entire family; the boys' and girls' work and 

 women's work along with the men's work makes a fine combination, and 

 don't forget the women and girls either. There is nothing in a locality 

 or county that takes the place of the fair work and you should start right 

 now to think about the women's part and ask them to do these things for 

 your fair. I am sure you don't need to worry about this next year's fair 

 if you do these things. The farmers' wives will commence to save egg 

 money right now so they can pay the family's admission into your fair. 



President Hofifman : AVe are greatl}^ indebted to Miss English 

 for talking to us on this subject. Has anyone any questions? 



President Hoffman : "Rain Insurance for County and Dis- 

 trict Fairs," by Mr. O. J. Davis, of the Home Insurance Com- 

 pany of New York. 



Mr. Davis: I count it a great honor as well as a great pleasure to have 

 this opportunity of speaking before this body of men on the subject of 

 Rain Insurance, and thank you very much for the invitation. 



In so far as Rain Insurance is concerned, judging from our company's 

 experience this year, we would advise all companies desiring to accum- 

 ulate great wealth to refrain from writing this class, as while we have 

 taken in $16,525.00 in premiums paid, our losses were $37,075.00, or about 

 230 per cent. However this year's rainfall was rather abnormal as com- 

 pared with the average rainfall in this state. 



The object of rain insurance is to indemnify against loss of expenses 

 or profits, or both expenses and profits occasioned by rainfall, of any event 

 whose success is wholly or in part dependent upon fair weather. That 

 is, the items which we insure are the expenses or profits, or both expenses 

 and profits of such indoor or outdoor events as baseball, tennis, golf, foot- 

 ball, track meets, boxing matches, horse races, motorcycle and automobile 

 races, fairs, carnivals, concerts, dances, outdoor theatricals, pageants, 

 fetes, garden parties, auction sales of real estate and cattle, amusement 

 parks, concessions and parades. This list will give a fair idea of the 

 scope of the coverage of rain insurance. 



The usual method is to insure against loss caused by one-tenth or two- 

 tenths inches of rain during certain stipulated hours, 24, 12, 6 or 4 hours, 

 according to the exigencies of that particular event. 



