ACCIDENT INSURANCE FOR FIREMEN.
SOMETHING over three years ago, we had some correspondence with the officers of the Traveler’s Accident Insurance Company of Hartford, with a view of making special arrangements for insuring the lives of Firemen. The calling of a Fireman is regarded as extra hazardous, and the rate charged for insuring them against accident is proportionately high, so that we could not then, nor on a subsequent occasion with another company, make the arrangements we desired. A few months ago the proprietors of a paper, The Gaulois, published in France, developed a plan by which they were enabled to offer an accident policy to every subscriber to that paper. This idea attracted attention in this country, and coming to the notice of the enterprising managers of the Fidelity and Casualty Company of New York, whose business it is to insure against death or injury by accident, they resolved to adopt it to a greater or less extent, subjecting it to such modifications as are rendered necessary by the different conditions existing in this country and France. Few classes of men need this kind of insurance more than Firemen, whose lives are constantly exposed to a great variety of accidents, and there are probably few classes of men who are less protected by insurance. The Fidelity and Casualty Company, therefore, resolved to begin its experiment by insuring the lives of Firemen in connection with the newspaper subscription plan. We are now authorized by that company to make the following liberal offer to subscribers :
To any Firemen sending us $2 in advance, the Fidelity and Casualty Company will issue a policy for $250, insuring him one rear for that amount against death from accidents met with while going to or returning from fires or while working at fires. In addition, we will send to the person so insured one copy of THE FIREMEN’S JOURNAL for one year. The subscriber thus gets not only the largest and best fire paper printed, but in addition a year’s insurance of $250 against accidents. To enable this offer to be made, The Fidelity and Casualty Company and THE FIREMAN’S JOURNAL Company both have to make concessions in their rates. The cost of the insurance would ordinarily be $1.50 and of THE JOURNAL $2 a year, but under the arrangement made, the subscriber gets his insurance and THE JOURNAL, the value being $3.50, for an advance payment of $2. We can only do this, of course, where the orders come direct to us, and not through agents, for if we furnish the paper at something less than cost we cannot pay agents’commissions in addition. Therefore Firemen desiring to avail themselves of this liberal offer will please order direct from THE FIREMEN’S JOURNAL COMPANY, No. 16 Dey street, New York, or No. 159 La Salle street, Chicago.
Now, as to the character of the insuring company authorizing this offer. The Fidelity and Casualty Company was organized in 1876, and has a cash capital of $250,000, of which sum $100,000 is deposited with the Insurance Department, at Albany, as a protection to all its policyholders. Its list of stockholders embraces the names of some of the best known live business men in New York, and its managers are careful, painstaking, intelligent gentlemen, who have made their business successful. The company has extensive dealings with some of the largest corporations, railroads, telegraph companies, banking institutions, etc., the fidelity of whose employees it insures. It also does a general business of insuring against accidents of all kinds, and from this combination of fidelity and accident insurance it derives its name. Its ability to meet all claims against it is shown by its nearly half a million dollars of assets.
THE FIREMAN’S JOURNAL is so well-known among Firemen that it is scarcely worth while to mention its characteristics, yet in connection with this offer it seems almost necessary to do so. THE JOURNAL was started in November, 1877, at a time when there was no other paper of its kind in the field. It is, therefore, the pioneer journal of fire literature. There had been previous attempts to establish a Fireman’s paper, but they either failed aftera brief existence or became the special organ of some particular manufacturer. THE JOURNAL came into the field simply and purely as a business enterprise, conducted on business principles, under no obligation to any manufacturer or individual, except such as grows out of our good will towards all persons in any way identified with the Fire Service. On this basis THE JOURNAL has been conducted ever since its establishment, and has met with uniform success. It is.the largest and best paper of its kind printed, containing twenty pages in each weekly issue, and frequently many more, as a press of matter on its columns demands. The year following its establishment, THE JOURNAL was chosen as the official paper of the National Association of Chief Engineers, which position it has held ever since, and during the succeeding years it has been chosen the official paper of twelve different State organizations, and still holds that relation to them. In its columns each week will be found interesting correspondence from the numerous Fire Departments of the country, and valuable and instructive articles pertaining to the Fire Service. There have been and will continue to be, from time to time, interesting discussions in its columns of the scientific questions pertaining to the Fire Service, by practical and experienced men, who are earnestly seeking to solve that difficult problem, presented daily to the Firemen of the country, viz.: the best methods for extinguishing fires. The scientific articles we have printed on this subject are alone worth more than the subscription price of the paper. That THE JOURNAL has made some mistakes in the past, we are free to admit —we should not be human if we had not—but our six years of experience in the management of THE JOURNAL has taught us many things, and we think we can safely promise even a better paper in the future than we have published in the past.
In making this liberal offer of subscription and accident insurance combined, we naturally expect a liberal response from the Firemen, and large additions to our already large subscription list. It is only because we have confidence that large numbers will avail themselves of this offer that we are enabled to make it, for THE JOURNAL, with its twenty pages weekly, is a costly paper to print, and it is only by printing many thousands that we can afford it at two dol. lars a year, and pay one dollar of that for an accident policy for the benefit of each subscriber. We therefore beg our friends to send in their subscriptions promptly, and avail themselves of this new and valuable form of subscription premium. It is open to all new subscribers from this date, and the Fidelity and Casualty Company is now prepared to issue its policies in accordance with the terms we have mentioned.
This policy does not promise indemnity for loss of time in consequence of injuries received, but simply contracts to pay $250 in case of the death of the insured from injuries received in the performance of his duties as a Fireman. We state this point distinctly that there may be no misunderstanding. Should any of our subscribers desire a greater amount of insurance, with indemnity for loss of time resulting from injuries received in any manner, we can make special arrangements with the Fidelity and Casualty Company to secure it for them at the lowest possible rates. For the purposes of accident insurance, Firemen are graded according to the hazards of their calling. For instance, in Paid Departments, in cities having a population exceeding 200,000, the Chief is graded as medium ; Assistant Engineers or Chiefs of Battalion and Engineers, are specials; Drivers are hazardous; Hosemen, Tillermen, Laddermen and Pipemen are extra hazardous. In cities of less than 200,000 the grades are medium, special and hazardous. In Volunteer Departments, the Firemen arc graded more in accordance with their daily avocations, but the number of fires occurring has an influence in determining the rate. The rates for $1000 insurance, and $5 weekly indemnity, are as follows : Medium risk, $10 per annum ; special, $12.50; hazardous, $15 ; extra hazardous, $20. A general accident policy insures against accidents of all kinds, while the special one offered by the Fidelity and Casualty Company in connection with a subscription to THE JOURNAL, is for $250 to be paid in case of death resulting from injuries received in the line of the duties of a Fireman. It is more in the nature of a burial fund for Firemen killed in the performance of duty, and whoever has one of these policies is guaranteed a sufficient sum to bury him respectably, without subjecting his family or friends to pecuniary distress in the time of the greatest affliction that can come to them. With this explicit explanation of the character of the very liberal premium we are authorized to offer for subscriptions to THE JOURNAL, we commend this form of accident insurance to the loremen of the country.