12 



The Florists^ Review 



July 19, 1917. 



NEW MUTUAL INSURANCE. 



All Flans Completed. 



On page 18 of The Review for July 

 12 there is an article with regard to the 

 president of the S. A. F. having ap- 

 pointed a committee to investigate wind 

 storm insurance and report on it at the 

 New York convention. To make mat- 

 ters clear I would like to state a few 

 facts concerning the movement started 

 in Indiana, as I am certain the trade will 

 be interested in knowing how far the 

 details have been worked out. 



First of all, we want the readers of 

 The Review to get fixed firmly in their 

 minds that the movement begun here in 

 Indiana is a real live issue. It has as- 

 sumed concrete form and there is no 

 longer any doubt as to its final success. 

 The State Florists' Association of In- 

 diana has assumed the responsibility 

 and is backing it with its money and 

 influence, acting as trustee until we have 

 perfected the new organization. 



Good Lawyers On It. 



One of the most expert firms of in- 

 surance lawyers in this section, Pick- 

 ens, Moores, Davidson & Pickens, In- 

 dianapolis, has been engaged to draw up 

 the constitution and by-laws along with 

 the policies and other documents. In 

 fact, most of this work has been done 

 and we shall be ready to solicit insur- 

 ance in a few days. 



A considerable sum of money has al- 

 ready been spent and we are assured of 

 ample funds to carry the project to com- 

 pletion. We are incorporating under 

 the laws of Indiana and we propose to 

 comply fully with the laws of this state, 

 which in itself will be a guarantee to 

 prospective policy-holders of the sound- 

 ness of the insurance they will be asked 

 to buy. 



A National Project. 



Secondly, this is going to be a move- 

 ment of national scope. While we are 

 incorporating under the laws of Indiana 

 and the headquarters therefore natu- 

 rally will be in this state, we propose to 

 write insurance in every state in the 

 Union; in fact, we have already been 

 promised business from growers in al- 

 most every section just as soon as we 

 are in a position to write it. 



Furthermore, profiting by the expe- 

 rience of other similar organizations, we 

 will write our insurance at such rates as 

 will obviate any feeling that one sec- 

 tion is carrying the insurance of an- 

 other section. 



The organization will be mutual and 

 we propose to write insurance at cost, 

 as near as it is possible to do it. 



Hail Insurance, Too. 



Nearly all of those interested in this 

 movement have carried hail insurance 

 on their glass for many years. Some 

 of them have taken out wind storm 

 insurance in recent years in companies 

 ■which do not confine their business to 

 greenhouse structures. This latter fea- 

 ture has never been to the liking of the 

 craft in general and there has developed 

 a strong feeling that both hail and wind 

 storm insurance should be supplied by 



an organization controlled and operated 

 within the trade. This was brought to 

 a head this spring when several large 

 establishments were badly wrecked by 

 a series of storms and it seemed imper- 

 ative that something should be done 

 in an organized way to assist those who 

 suffered loss in these storms. 



Give Credit for Starting Something. 



It has never been our idea that a sep- 

 arate organization should be started to 

 carry wind storm risks, but rather that 

 one company should carry both hail and 

 wind storm risks, so that there would 

 never need be any contention over the 

 question of what portion of the loss 

 should be charged against each of these 

 elements. To that end the State 

 Florists' Association of Indiana sent a 

 request to the Florists' Hail Association 

 of America asking it to add the wind 

 storm feature to the hail insurance it 

 is writing, stating plainly that unless a 

 way could be found to do this, we pro- 

 posed to organize for the purpose of 

 writing insurance which will embrace 

 both of these elements. Our request did 

 not meet with a favorable response, and 

 so we are proceeding to organize for the 

 purpose of supplying what is wanted. 

 That there is plenty of business waiting 

 for us is evidenced on all sides. 



As stated above, we are organizin<f 

 under the laws of Indiana and the Statu 

 Florists' Association will act as trustee 

 until we get going, but we propose tu 

 make it a representative national S( - 

 ciety, with a directorate scattered over 

 a wide territory, and the only connectio,. 

 Indiana will have with the organizatio , 

 will be the fact that the headqua'rtei 

 will be here and the Indiana society wi . 

 always be credited with having take 

 the initiative in a movement which wi;. 

 be a boon to the trade at large. 



We shall be grateful for any assist 

 ance in the way of endorsement off ere 

 by local, state or national organization 

 after a full investigation of the insur 

 ance we will have to offer. The organ 

 ization will be known as the Florists 

 Mutual Casualty Association, Incorpo 

 rated. 



Will Start vrith MiUion Feet. 



The laws of Indiana require us to se 

 cure not less than $500,000 worth or' 

 risks, which means over a million feet of 

 glass. We are allowing ourselves two 

 months to reach these figures, after 

 which the State Florists' Association 

 of Indiana, as trustee, will turn the 

 business over to the new organization, 

 which will have been perfected. 



We feel that we are entitled to 

 kindly consideration at the hands of the 

 trade, because we have gone ahead, put- 

 ting in our best efforts and our money. 



So far no one has pointed out any in- 

 dication that this project will not meet 

 every need along the line of hail and 

 wind storm insurance. 



A. F. J. Baur, 

 Member of Committee. 



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Mignonette. 



Mignonette can be sown now if early 

 flowers in fall are wanted, but, as a mat- 

 ter of fact, the spikes will not come of 

 first-class quality until the coldest part 

 of the winter, when they also sell the 

 best. Mignonette must have cool cul- 

 ture at all times if really fine spikes are 

 wanted. It will grow well in either 

 raised benches or solid beds. Care 

 should be taken not to attempt its cul- 

 ture where heating pipes run below the 

 benches, as mignonette loves a cool, 

 moist soil. For compost a good chrys- 

 anthemum or rose soil will answer well, 

 and I find it succeeds well in six inches 

 of soil. It is an advantage to place the 

 soil in the bench a week or two before 

 time for sowing the seeds and give it 

 one or two scratchings over to kill the 

 weeds. 



Buy seed of one of the special forcing 

 strains offered by several prominent 

 seedsmen. If the benches are occupied 

 by other crops, start the seeds in small 

 pots, later planting them out a foot 

 apart each way. The same space may be 

 allowed where the seeds are sown 

 directly in the benches. The number of 

 seedlings in each space should be re- 

 duced to three. These will need close 

 watching, as green caterpillars, or cab- 

 bage worms, are fond of them and will 



soon clean up a batch of plants. In 

 winter give mignonette a minimum of 

 42 to 45 degrees and it will come stocky. 



Fansies. 



It is somewhat early to sow the main 

 batch of pansies to be wintered outdoors, 

 but where they are to be grown under 

 glass the seed can go in at once. Pro- 

 cure the best possible strain; one which 

 gives long stems, in addition to large 

 and attractive flowers, is what is needed. 

 It will be noticed that in a large batch 

 of pansies certain plants carry much 

 longer stems than others. These should, 

 if possible, be lifted and isolated and 

 seed taken from them. Mixed bunches 

 sell fairly well, but those of one de- 

 cided color go much better. Sow the 

 pansy seed at this early date in a cold- 

 frame where it can he watered and 

 shaded; the germination will then be 

 speedier and more certain than when the 

 sowing is done outdoors. For the aver- 

 age grower Giant Trimardeau answers 

 well. This may be had in several 

 colors. A number of American special- 

 ists have been working on pansies for 

 some time and now have strains equal 

 in quality to the best European ones. 



Late Asters. 



Late asters should go out in the field 



