Fire Insurance, a Hand Book for Insurance Agents; With Articles on the Duties of Agents and Sub-Agents, and a Digest of the Fire Insurance Cases of the Maritime Provinces of Canada - Couverture rigide
Présentation de l'éditeur
Alter Alterius Onera Portate. The business which will not pay insurance is not worth following. As fire insurance is regarded as a necessary expense attending all business, and as the cost thereof is directly determined by the loss ratio in the districts, states, or provinces, grouped together in the territories regarded by the head offices of companies as fields, so, therefore, all knowledge which can be given to fire insurance agents and to the public, explaining the causes of fire and the ordinary precautions necessary to guard against these causes, is beneficial to the community in the end. For if the Maritime Provinces of Canada, generally grouped together by the head offices as one field, where certain conditions exist and where certain rates must be applied to make the ordinary profit of the business, should show for a number of years a ratio of loss below the ordinary, then it would be perfectly fair for the people to apply for a reduction in the rates prevailing during the time the extraordinary profit was made. And it need not be supposed that the causes of fires are in themselves of an abstruse nature and difficult of comprehension to the ordinary mind, for many of the fires which occur result from causes so simple in themselves and so easily guarded against that it is surprising a fire should ever have been allowed to happen. Yet happen they do and happen they will, so long as ignorance of the cardinal principles relating to combustion prevails, while the loss goes into the ever increasing statistics and helps to keep the rates at high level. It shall be, then, our plan in this little work to deal with the simple and ordinary causes of fires, combined with some instruction about illuminants such as acetylene, electricity, gas and kerosene, and instruction about fire insurance generally.
(Typographical errors above are due to OCR software and don't occur in the book.)
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