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226 MOTION PICTURE THEATER MANAGEMENT
for this type of coverage are dependent upon price conditions in the plate glass industry, and vary accordingly. Each place insured is mentioned specifically in one policy.
BURGLARY AND ROBBERY
Burglary Insurance for a large theater should cover burglary, theft, and larceny of theater property, and burglarizing of safes and their contents, in order to provide against damage caused by burglars as well as the loss of the value of stolen articles or money. Safe Burglary Insurance is the form most commonly carried.
There is a marked distinction between burglary and robbery insurance. Burglary, theft, and larceny are covered by burglary insurance, and are considered acts of stealth committed without the knowledge of the owner. Robbery, however, is an act committed in the presence of the person or persons who are placed in jeopardy in the commission of the act. Burglary policies do not cover hold-up or robbery.
Robbery Insurance covers losses occasioned by hold-up, either inside or outside of the theater. Messengers on the way to and from banks are frequently held up. Cashiers and other employees are also subject to robbery.
Regardless of insurance, house managers should take every precaution to protect the funds of the theater. Money should not be allowed to accumulate in the box office. Receipts should be collected from the box offices at stated intervals during the day by the house manager, leaving only sufficient cash for change. Employees should not be paid in cash, but through check, which is more businesslike and more prudent. Employees should be instructed to comply with an armed robber's command. No amount of money can restore a life. Deposits must be made daily, and bank messengers should be bonded, and protected by hold-up insurance.
Boiler Insurance is a protection against losses caused by explosion, collapse, or rupture of those vessels. Insurance for fractures and cracks which may occur is charged for extra. The loss is not restricted to the boiler, but in addition covers