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Bin ! I
4' OOD WIN'S WBBKLY. I
BHki m t I
I j, ;
II 1 ! State Fire Insurance hJj. The Urut.
sBH lit ! y Agont.
H 1 I As must inevitably have followed, the excite-
Rj I ment occasioned by the change in fire rates in
S 1 Salt Lake has somewhat abated, and this goes to
8 1 i prove that there is no vital principle involved in
Hl jLj I the indignant protest, or that the principle did
H ff! not amount to a great deal after all. It may be
Hi ml questioned if any really sensible aspect of the
Hi m proposition has yet been presented even by Mr.
Hi m Parkhurst, who seems to have been the head and
HI I IS.1 1 front of the insurance offending.
HHH I'j f Leaving aside all political aspects of the case,
14;' no one can seriously deny that the fire depart-
','. ' ment of Salt Lake is almost as hopelessly useless
tj,' to combat a conflagration as the water supply is
I insufficient to overcome it, but when it is remem-
$ I bered that members of the City Council of Salt
ri Lake seem more determined on running beer
fl1 j garden seances rather than conducting a conven-
j:i tion to promote the city's welfare, it need occa-
, sion little surprise that the Chief of the Fire de-
ji 1 partment, aided and abetted by the firemen, should
Jr. i also be more interested in politics than in prepar-
I i ing to combat fires. From beginning to end the
I J whole array is personally selfish, each for himself
, and the fireflend for the hindermost. Until the
vi ' - introduction of the new fire rates no man buying
(I J fire insurance and no local agent selling the same
, could give any reason whatever for the rates that
':' ' obtained. Rates were the result of influence, ca-
$j joling volume of business and pull with ciie board
a b v representative in this city. The Z. C. M. I., for rea-
i f sons that are beyond the power of human intel-
sg f lect to fathom, gave all its fire insurance to one
Je f of the twelve apostles who had formed a com-
Q I ' pany in which leaamg members of the church and
q I the heaviest Z. C. M. I. stockholders were inter-
'i1 jjj r ested. Indirectly, therefore, these received a com
B yi t mission on the business placed by Z. C. M. I., as
Hi' r well as on that placed by the members of the
J & i apostle's company individually. Naturally fire
H i ? '1 ' insurance companies seeking this business would
H j t do all they could to satisfy their customers, and
B I yV wherever a lower rating could be procured by the
B J f i , apostle's agency, backed by the companies through
B whom he placed his business it was done, and to
B i i I the devil with all other insurers. The same rule
B J rj applies to many other firms. Each agency was
B 1 ' doing all it could by direction, indirection and
B i j3 l cajolery to show its clients that a better rate was
B fj 4 ; I being obtained, and the beneficiary feeling that he
B I & j was getting just a little better than others, either
B f a, j by a lower rate, or by a division of the commis-
B i !lj J sion, rejoiced within himself and acted much on
B J fj, I the principle of the fellow who brutally said: "T'ell
H f i with the other fellers."
B! I ff The upshot has been a series of ratings, as al-
Bj ,i kt ready stated, that were neither explicable nor de-
B I ,j fenslble from any save a purely personal and es-
B' r J' : pecially selfish point of view. Another detestable
Bh JH 1 phase has been the growing tolerance of insuffl-
HINj $ I cient fire protection and a political as against a
H J $ business fire department. Every prominent in-
Hf' t ? surer has been afraid to make a protest lest
Hit W nis personal rate should suffer an increase, and
! the inevitable result has followed. The indiffer-
' enco of leading property owners to a proper safe-
f jg guarding of the city against fires has brought its
B2 w own reward a rerating has been made and the
H ' f s selfish creed have been lifted to their feet by an
BLj $ increase in rates that was as certain to follow as
B Si il, the night the day so long as conditions continued
K I F. D. HIGGINBOTHAM, JR.
Bi B STOCK BROKER.
HKml H1 1 w 8econd south st,
Hffi Telephone 608, Salt Lakt City, Utah.
as prevailed prior to the recent change.
This much can be said for the new schedule,
each insurer can tell why his rate is what it is
and he can tell how to secure a decrease therein
by individual effort. It goes further it puft the
whole community on an equal footing and says:
"If you all do certain things, viz.: increase your
permanent water supply, modernize your fire de
partment and eliminate political pot-hunters a
wholesale reduction in rates will follow." Such
a course forces a community of interest toward
a given end, as against the selfish and personal
bickerings and seeking individual advantages
which prevailed before. Moreover, any individual
can obtain a minimum rate under the generally
obtaining conditions by complying with require
ments that are made plain to him. Jones can tell
at a glance why his rate is higher than Smith's,
and he can also tell what must be done by him to
secure as favorable a rate as Smith has been
given. "While above and beyond all stands the
definite assurance that a more stable water pres
sure and a better equipped and more efficient fire
department will bring about a cut clean across
the whole board.
In view of the fact that the effect of the in
creased rates will be to bring about a unification
as contrasted with the former diversification of
interests it will prove a blessing to insurers in the
business district, however bitterly certain Inter
ests may oppose it at the present time. "Whether in
surance companies get higher premiums or in
surers suffer a larger percentage of loss because
of fires, the resultant injury to the property owner
is the same. He is now brought face to face with
the fact that he not only pays higher insurance
rates, but he pays to support a fire department
which does not give him value received and that
his insurance rates, or his fire losses must con
tinue to increase with the growth of the city, un
less there be a corresponding increase in the city's
water supply and in the effectiveness of its fire
department (not politically, but as a fire-fighting
body). He will also understand that by increas
ing the water supply and the effectiveness of the
fire department he will decrease the premiums he
has to pay.
The day of the personal pull has past. All hon
est insurers should rejoice, for in the long run
there is not one that will not be better in favor of
some other "jio, not one."
Now the remedy. Each insurer must take his
own risk or pay the price that's the alternative
or the State can go into the insurance business
and take the risk for all.
Now, in the insurance business. State insur
ance could take all the butter and some of the
bread from my family, and yet I declare that the
State can carry the risk for 25 to 40 per cent less
than is now being done and make money out of
it. If the gentlemen who are now howling at an
insurance trust and exhorbltant rates for Salt
Lake are in earnest let them support this plan.
But I am prepared to wager all comers to a stand
still that they will oppose this remedy even more
vigorously than they are now opposing the in
crease in their rates. And why?
Because they are not looking for the general
welfare any more in insurance than in other par
ticulars. Each one is seeking to have the same
advantage over his fellows that he thought he had
hitherto under the old system dZ Insurance rates.
Powers, Straw $ Oppmaii,
Attorneys and Counselors.
Tel, 1 1 0 1 -Y. Eagle Block, Salt Lake Crty.
SIMON BAMBERGER L. 0. RANSOHOFF, N. A. RANSOHOFF I
President. Sec'y & Treas. Manager
Udies' i)l (bildreu'j
CloKSf Suits, Wrappers,
SKirts, Wistsf Kid Gloves,
Motion?, Hosiery, Ucts
THE ONLY EXCLUSIVE LADIES'
FURNISHING HOUSE IN THE CITY.
MAIL ORDERS PROMPTLY FILLED.
228, 230 S. Main St.. Salt Lake City
THEY FIT ALL OVER, AND FEEL,
OH! SO COMFORTABLE.
$5 Shoe for Mei
ORIGINATORS AND MAKERS.
106 SOUTH MAIN
JLTON & CO.
JNbw in Season
.... The Celebrated California
Oyster CocKtail J
.... Sold only at the famous
F. J. HILL DRUG CO.,
Corner Opposite Post Office. 'Phone 541