We have insurance against storms, against the breaking of plate glass and even against loss from burglars, but the best known of the minor insurance societies are those known as "accident companies."
Accident policies are of many kinds, and there is no reason why the companies, under their charters, should not extend their risks indefinitely.
Accidents against property are insured much as is destruction from fire, but the nature of the accident as "hail," "explosions," "tornadoes" and "insect destruction" must be specified in the policy.
The most popular form of accident policy is that which is sold to travellers, and which can usually be had at the office where one buys his ticket.
The method here is simple, and the purchase may be made in a minute. "I want a policy for $1,000 for ten days," you say to the clerk. He tells you the amount, you pay and get your ticket, and there you are.
Prudent men have a stamped and addressed envelope ready. Into this they push the policy, and the wife gets it. No, it does not startle her. It is just Harry's prudence and she is used to that.
CHAPTER XXI
PARTNERSHIPS
If properly conducted, there is much to commend the management of a business through partners.
Never go into a partnership with a man who puts in his experience against your capital, unless you know him like a brother.