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February 27, 1913. 



The Florists^ Review 



17 



the same time as the other chemicals 

 named. Use a peck in each 50-gaUon 

 barrel. C. W. 



QBEENHOUSE INSURANCE. 



We have just completed our new 

 range of greenhouses, consisting of two 

 houses of King construction, each 

 25x100; also one house of wood con- 

 struction, 20x96 feet. Our workroom 

 is 16bc50, with a cellar under all of it. 

 In the erection of these buildings great 

 care has been taken to protect from 

 fire by careful arrangement. They are 

 heated by hot water, with the smoke 

 pipe entering the chimney in the cellar, 

 which, by the way, is solid from the 

 ■cellar bottom, thirty-two f^et high. 

 Electric lights were installed by care- 

 ful men. We have ready access to four 

 hydrants of city water, with unlimited 

 "water supply, with a pressure of 150 

 pounds. We also have excellent fire 

 ■companies, with headquarters only two 

 minutes away. 



We now come to our point; that is, 

 the insurance. The representative of 

 the board of underwriters has been 

 here and fixed our rate at $l.o0 per 

 hundred for one year. This we con- 

 sider exorbitaint, as we insure our 

 dwelling and barn, with contents, at 

 ^0 cents per hundred for three years. 

 ■Can you not give us some information 

 relative to insurance, fire, hail, etc., 

 with rates others have to pay; also 

 how to force these fellows to come 

 down? Are there any companies ex- 

 <'lusively for greenhouse menf Also, 

 on our store, with small greenhouse 

 attached, and separated from our resi- 

 dence by only twelve feet, they ask 

 7") cents i)er hundred a year. 



J. L. B. 



The question of insurance is one that 

 each greenhouse owner most handle for 

 himself. The insurance companies look 

 upon greenhouses as hazardous risks. 

 Indeed, it is only within the last few 

 years that it has been possible to get 

 them to accept such risks, regardless 

 of rate. The insurance men, as a rule, 

 still have the old-time greenhouse in 

 mind, but as they are beginning to 

 appreciate the difference in the char- 

 acter of construction in the modern 

 greenhouse, they have become willing 

 to accept such risks, although they 

 ■charge rates that seem extremely high 

 in comparison with rates on other risks. 

 No one can blame an insurance com- 

 panv for not wanting to risk its mopey 

 on the old-style greenhouse establish- 

 ment, but it seems that a well-built, 

 modern greenhouse plant is a far sater 

 risk than the average dwelling'. 



The Review in its issue ot April 

 13 1911, went rather exhaustively into 

 this subject, showing the reasoning 

 used bv the insurance companies in 

 considering the features of construc- 

 tion that determine the character ot 

 the risk, and pointing out that tor 

 several reasons those who buiM green- 

 houses should tfive consideration to 

 making the establishment as sa^^ a 

 risk as possible. For instance, the 

 rate varies, not only in accordance 

 with the character of the construction 

 of the boilerhouse, but in accordance 

 with its location. A range in which 

 the boilerhouse is practically s»"«»°"': 

 €d by greenhouses pays a much higher 

 rate than one at which the beerhouse 

 is at the end of the greenhouses, and 

 lowest of all is the establishment vvith 



JOHN BAUSCHER. 



FLORISTS are well known as great joiners, but The Review challenges the 

 trade to produce a man with a record to beat that of John Bauscher, of 

 Freeport. Here is a list of the organizations he belongs to: Society of 

 American Florists, Germania Society, Democratic Club, Kranken Unterlutzungs, 

 Deutsche Kranken, Mutual Life Insurance Co., Travelers' Insurance Co., Colum- 

 bian Knights, Plattdeutsflllie Guild, Loyal Order of Moose, Anchor Society, Odd 

 Fellows, Knights of Pythias, Northern Star, Order of Mutual Prot>ection, 

 National Protection Legion, Order of Eagles; Freeport Council, Excelsior Lodge, 

 Eastern Star, Beautiful Sunshine Club, Freeport Consistory, Outdoor Club, Elks, 

 Masonic Club, Verein of Germania, Unterstutzung Verein, Aetna Life Insurance 

 Co., Freeport Lodge of Homesteaders, Order of Red Men, Modern Woodmen, 

 Loyal Order of Rams, Court of Honor, Kuights of Khorassan, Knights of Security, 

 Deutsche Militar Verein, United Commercial Travelers, Knights Templar, Free- 

 port Chapter, Capernaum Shrine, Mystic Shrine Tebala, Loyal Order of Owls, 

 Royal Palace. Forty-four! Count 'em! Forty-four! In addition Mr. Bauscher 

 is serving his fourth term as a county supervisor. Is it any wonder he has no 

 trouble getting elected! Mr. Baascher will be 40 years of age March I. He has 

 a splendid range of 100,000 feet of glass at Freeport, his individual property, 

 and does a fine trade. He is the introducer of the new geranium, American 

 Beautv. 



the detached boilerhouse, with no wooil 

 in walls or floors. 



There is no use trying to go away 

 from home to get fire insurance on a 

 greenhouse. Any of the responsible 

 companies will write insurance through 

 their local representatives, and all at 

 the same rate. Any outside insurance 

 would be of questionable value. If the 

 local rate is not satisfactory^ the thing 

 to do is to get in touch with the in- 

 surance inspector for the district and 

 with him go over the establishment 

 that is to be insured. He should be 



willing to point out the conditions that 

 affect the rate; or it is possible that 

 he has not given the place a thorough 

 inspection and does not know how 

 thoroughly fireproof it is. 



The local insurance agents also will 

 write tornado insurance. A few com- 

 panies write hail insurance, but they 

 are not able to compete in rate with 

 the Florists' Hail Association, John G. 

 Esler, secretary. Saddle River, N. J., 

 which is a mutual affair, operated prac- 

 tically without management expenses. 



