8 



The Weekly Florists' Review* 



Ai'iUL 13, I'Jll. 



j^Tcriilinn^c ;^l;is-; ;it a lnw I'.-ih, ;iiii| is in 

 ;i Uiiurisli: 11^ <(iii(lMiiiii .■iihl |i:i\>- •■ill Iossi'h 

 |iriiiii|il l\ . 



This ;i-siiii,-it iiiii was I'dmiu'iI in l>S."i, 

 111 ciiii jiiiiil lull wilh I he S. A. I'. Ill I'acI, 

 one (it l!ii' |iriiici|ial ii!'ii'ii~ in Mi^a ni/i iil: 

 ( lie S, A . I' w :i< the t niina lien n f t li i^ 

 Hail A s~i II- ij I idti, as llir nn-.l ul' Sllrli Ml- 

 Siiraiirc was liaillv I'd:. 'I'ln- uliiccr- alhl 

 (livi'ctiirs III t hr a-siMialiiiii air all wrll 

 kiidwii Ml iIm' mimIc ami llic as^ncial imi 



IIIIW lias (l\ir : 'i _'..')! M 1,1 M IM SipLMC I'fl't dl' 



^lasss iii'-iMi'.l. Il I'; a |iiirrly iiiiiiiial or 

 gaiiizat inn. in wliirh ilu- iiirinli.as iilarc 

 in 1 lie lia 11' Is (iT I III- I ira^ii irv mir ai 1 

 vmicril a--sr<siiirnl ill mill'!' thai hissi"^ 

 may in' pai'l |iriiiii|ii l\ . 'I'lir ics' r\i' I'liiid. 

 which is ii'-rtl (inly in ui'i'at <'iih'i-^('iicy, 

 now ainnuiils in .*l'l.7iiii. The pri'-cnt 

 inL'inl)rrslii[i iiuinliirs cxcr I.iIihi. hu-ati'ii 

 in nearly iNrry slat'', ami ■•■I'Vrial in ('an 

 ada. The tart that ii\rr l.K'.d lossrs, 

 aniountinr in ninii' than >ltiri,iMiii, haNc 

 boon I'ai'l 'liiriiir ihr last 1 \\riiiy-li\ c 

 years i< in ilsrit' snlVnirnt arrumeiit in 

 I'avoi' nt' ihr wis'lniii (if hail insurance. 



In \ lew "I' the lii'a\y |ns'<rs ill hrnken 

 glass. caiisiNJ liy liail in rcrriit years, it 

 apjiears i'\ idriit that r\ery ni-renhouse 

 owiH'r in the country woiiM ili> well t(i 

 join ihc assnciat inn. .Inlin (1. Ksler, Sad- 

 dle J{i\fr. \. .)., is the secretary, and I'lill 

 particulars may he nlitaine'l I'miii hini. .. 



Storm Insurance. 



In endeavorinfj to nbtaiii stnrin insiir 

 ance (the insurance coniiianies call it 



i.s typical of tiie cniiditions to he met in 

 many similar sect inns ot' the country. In 

 the tiist place il niiisi lie remembered 

 I hat I hi- |ilaiil was only recently con- 

 structed and is mo(lerii ami up tn dali' in 

 r\{'v\ part i(ailar. 



This iiiiii I'ound scNcral insiir.ance com 

 panie- ih.at wdiihl write tornado p(di<des 

 nil their risk, cnveriii^ the entire estab 

 lishiiient. including the rhiss, at rates 

 that vaiic'l I'rniii .+1' tn .^n jier ^100 of 

 insurance. but they consideretl this 

 'diaree excessi\e and tin.' manner in 

 whi(di their insurance a;4ent, iinally ob 

 laiiM'il the pnlicies at only .aiiont half of 

 the Inwcsl rate inentioned liofore, was 

 '|iiite uiiii|iie. ()f course, it is uiiderstoful 

 that this rate is applicable only under 

 similar '■nmlitiniis and is nieiitioned be- 

 cause the principle in\(d\t'(l might be 

 iiie(l in any locality. The method of in- 

 siiiaiii-e Inllnws: 



/\ respnnsible casualty coMipany was 

 Iniiiid that would wiite a |iolicy against 

 the breakage of the glass from any 

 cause; hail, storms, tornadoes, in fact, 

 any breakage <>f glass whatsoever, but 

 imt coM'iing any other damage that 

 might result I'roiii the same cause. Then 

 a tninailn insurance comi'iany was in 

 'bleed tn \\rite a pnlicy co\ering all the 

 buildings, etc. but (Excluding the actual 

 glass. In (it her wurds. this policy cov- 

 ereil the fraim-wcirk of the houses, the 

 lieliches, boih'r linilse, sninl\estack, and 

 \arioii'< ntlier buijidiins. hut under anv 



Work of Hail That Lasted Less Than Three Minutes. 



tornado insurance j, the average gi'een 

 house owner is apt tn experience cnii-i'l 

 erabl'- dilli'-iilty in Li'tting it at a ra;( 

 that he would think at all reasonalile. 



As is pr'ibably well known, this insur- 

 ance onvfrs Inss or 'lainage nf any kind 

 resulting fmiii wind sinims. tnriiailnes. 

 evclones. etc.. and naturally the late- 

 varv greatly .according to the wcatht-r 

 eonditiniis thai prevail in variniis sec 

 tions of the cmintry. I'nr in^-tane^-. in 

 Kansas, whi(di is knnv\ii as niie of the 

 tornado states, the rate-^ would lie much 

 idgher than in .-i territnry like that 

 around '.'hicago, %\here disastnuis wind 

 storms are ;i rare occurrence. 



It has been a hard matter, however, 

 oven tn get this insurance at a reasonable 

 rate in Chicago, and the exporicnee of 

 one of the large greenlmiise concerns 

 near that citv inav be of interest, as it 



and ail ciiciimst ;ii ci -- e.X'-lnde'l damage to 

 ^lass. Th" cnmbiioitinii nf the two pol- 

 icies, hnwever, i-nveicd everything ami 

 by dividing the i e-pnii'-i Id lily between 

 the twn cnmpanii-^. a rate resulted that 

 v\as lii-'t abniit halt' that aski^'l by either 

 '•niiipany it' ihey insured all the jioints in- 



MiK.^'i. 



The principle i- I'l 'livide the responsi- 

 bility and reduce the c.ist, and this might 

 be done tn a(l\aiiiaL;e in any jiart of the 

 '•(Mintry, the iaie< being lower or higher 

 accniiliiig to the iiidivi'liial risk and its 

 location. 



Boiler Insurance. 



When we come tn the ipiestion of 

 boiler insurance, we reach a ydiase of in- 

 surance that is entir(dy different from 

 any other. In what way? In the fact 

 tli.at the inspeidinns which are constantlv' 



being made of the insured boilers frc- 

 (|ncntly point out defects in time to avoid 

 serious ac(ddent, and often I'iweal inefli- 

 (deney on the |iart of employees, whose 

 ignoiance may ruin a valuable plant, 

 e\-en without causing an explosion. At 

 lirst glance the foregidiig statement does 

 not show the full extent of the |irote(dion 

 olfei'ed as compared with tlu,' paynu'ut of 

 loss resulting from ;ui explosion, so let us 

 consider further. 



A serious boili'r explosiiin is a terrible 

 lliing. It fre()ueutly, in fact usually, 

 means a loss of life, in addition to great 

 property damag<'. ^Vnything that can be 

 clone to ]U'C!vent t iiese disasters is a sa- 

 cred duty. Just think- since October 1, 

 181)7, there ha\i' occurred over J (1,000 

 recorded boiler oxj)losions, causing the 

 death of more tlnin 12,500 j)crsons, the in- 

 jury of l(j,000 others, and the destruc- 

 tion of millions of (.lollars ' worth of prop- 

 erty. Hoiler insjiection would ha\e saved 

 a laig(> ])roi)ortion of those li\cs and 

 much of the danuiged jiropcrty. 



.M.any owners of h(?ating boih'rs have 

 the mistaken idea that, because of the 

 low })ressure carried, the boiler is not so 

 liable to explode as a high ])res3ure 

 boiler. This is not true, liowever. A 

 high pressure power boiler is fully as 

 strong-, ill relation to jiressure carried, as 

 the low [iressure heating boiler, and 

 the one is no more subject to ex- 

 plosion than the other. This fact 

 is fully shown by the many explo- 

 sions that occur in low juessure heating 

 plants. The aceoinpanying illustrations 

 give some idea of a most disastrous heat- 

 ing boiler explosion which occurred in 

 the grocnhouses of (ieorge M. Kellogg, 

 I'leasani Hill, .Mo. The damage was es- 

 timated at $75,000. No one was injured, 

 as the explosion occurred just before the 

 employees arrived for work in the morn- 

 ing, but about 50,(J00 S(piare feet of glass 

 were destroyed. 



This boiler was one of thirteen, and 

 iinestigation after the accident showed 

 that iiis]iection service would most likely 

 ha\e found the (hd'cct in time to prevent 

 the disaster. This case is only one of 

 many, and, if sjiaee W(uil(l permit, exam- 

 ple after exampl(> couKl be given show- 

 ing coiicliisix cly that heating boilers 

 -hould be inspected as reguharly and thor- 

 'Migldy as the jioAVfr \ariety. 



The Hartford .Steam iioiler Insjjection 

 .and lusiirance Co., \vl)i(h is the only com- 

 pany that handles boiler insurance ex- 

 I lusively and is, without doubt, the 

 strongest and most reliable concern in 

 the business, makes the following state- 

 inent : "It is sometimes diflieult for a 

 layman to understand how it is possible 

 for a steam heating boiler, operated at a 

 pressure of from live to fifteen pounds 

 per square inch, to explode. It is more 

 ililliciilt to understand how a hot water 

 boiler can explode, ^vhen it is not su{)- 

 posed to carry any steam pressure at all. 

 Tn th(i<e nt' us who are in the business 

 'if insjiectiug and insuring boilers of all 

 types, there is nothing strange about it, 

 pait iciilarly in view of the conditions of 

 '■are and management tinder which these 

 low pressure boilers arc operated. ' ' 



Here is another case which emphasizes 

 tli(^ facts previously stated. A horizontal 

 tubular boiler used for heating the green- 

 houses of .Miller & Sons, at Bracondale, 

 near Toronto, (,'anada, and operated at a 

 ju'essure of from live to ton pounds per 

 square inch, exploded at 1:30 p. m., April 

 •Jl, 1000. The boiler was completely dis- 

 rupted, a portion of it weighing about 

 one ton being thrown a distance of nearly 

 one-quarter of a mile. The property dam- 



