INSURANCE. 



61 



low considering the risk that any carelessness or negligence 

 incurs. The very faults — drunkenness, stupidity, etc. — to 

 which stable hands are prone make this risk very great, 

 especially in country stables where it is necessary to use 

 lamps. In almost all instances in which fire occurs in coun- 

 try establishments the building and most of its contents are 

 destroyed. 



