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Updated: May 20, 2025
Ferguson, who had just come into port with a damaged propeller shaft, was telling us how it was. This was his first expansive experience, and there could be no doubt the engine-room staff of the Torrington had behaved very well. The underwriters had recognized that, and handsomely, at a special meeting at Cornhill.
Captain Edward Horatio Faucon, who took out the Alert and brought back the Pilgrim, continued, after my father's last chapter, to live at Milton Hill where he still kept ``the sea under his eye from the piazza of his house. He was occasionally employed by Boston marine underwriters on salvage cases, going to many places, from St. Thomas, W.I., and the Bermudas, to Nova Scotia in the north.
Of course, although I didn't know it then, for, as I have said, I do not naturally suspect men, the fact was she knew and the owners knew and the underwriters knew why he had had a collision. She had her reasons for keeping liquor out of the house.
The man was so open and honest that his arguments had nothing underhand or crafty in them. "It sounds very simple," he said. "It is; d d simple! So are the underwriters; but that is not our business. You see, FitzHenry, in all commerce there are a certain number of fools for the wise men to outwit. In marine insurance there are a large number.
The land around East Aurora is poor, and so reduced in purse are the farmers that no insurance-company will insure farm property in Erie County under any conditions unless the farmer has some business outside of agriculture the experience of the underwriters being that when a man is poor enough, he is also dishonest; insure a farmer's barn in New York State, and there is a strong probability that he will soon invest in kerosene.
It blew too hard to lower the boats: no effort was or could be made to rescue any chance struggler not carried down in the vortex of the parted and sunken ship all was blank horror. Besides the consternation and dismay natural to the appalling accident, there was the fear of the underwriters, and of the owners, and of damages, before the eyes of the captain. I was sent for aft.
She never troubled the underwriters, and very seldom stopped to talk with a signal-station, for her business was urgent and private. But an end came to her tradings, and she perished in this manner. Deep peace brooded over Europe, Asia, Africa, America, Australasia, and Polynesia.
Prize after prize they took and carried into port, or burned and sank; prisoners they had more than they knew what to do with; they frightened the underwriters so that in London the insurance against capture ran up to the ruinous premium of sixty per cent. The Lisbon and the Dutch packets fell victims, and insurance of boats plying between Dover and Calais went to ten per cent.
So many fatalities occurred that the insulated wire used, called "underwriters," because approved by the insurance bodies, became jocularly known as "undertakers," and efforts were made to improve its protective qualities.
She had foundered in mid-ocean or had been shattered upon some desolate coast. The underwriters had paid up like men and both the American and English press had lamented the tragic fate of Miss Flora Lockhart, the young New York singer, who had so lately won fame in London. Darling had taken the news of Flora's terrible fate keenly to heart.
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