=41. Insurance.=--Library buildings and their contents should be fully insured against fire. To ascertain insurable value take the cost of buildings at the contract price, including all charges which would have to be incurred again for rebuilding; furniture at the contract price; lending library books at 3s. 4d. per volume all over; and reference library books at 5s. per volume all over, and thus obtain a total. An allowance is sometimes made for depreciation, but a full covering value is always safe. The policy will state these various items separately for the purposes of insurance, but will likely charge a uniform percentage on all. 1s. 6d. per cent. is a fair charge in a good office, but insurances can be effected for as low as 1s. 3d. per cent. Library buildings form a safe risk, and unless in a case of temporary premises with bad surroundings, 1s. 6d. per cent. should be regarded as a maximum charge. Some offices return the premium once in five years or so by way of bonus. Insurance policies should be revised every few years to keep pace with the growth of the library. Paintings, valuable MSS. and rare books must be made the subject of special insurances. The same may be said of temporary exhibitions, especially of loan articles, which ought to be covered by a policy for the period of the show. Plenty of fire-buckets should be provided in public library buildings to cope with the first outbreak of fire. Hydrants, save in large buildings, are not necessary, on account of their cost and practical inutility. If a fire cannot be checked at its onset by means of buckets, it is time to ring up the fire-brigade. =42.= Another insurance that should be provided is against claims for damage or injury to children who use juvenile departments which may be caused through any defect in the building or its fittings; and in connexion therewith it should be remembered that children cannot legally be held contributory by their carelessness or misbehaviour to such accidents as would cause injury. =43.= Health insurance must be paid by the library committees for all employees of sixteen years of age and more who earn less than £250 a year. =44. Contracts, Agreements, Requisitions.=--Contracts for regular supplies should be renewed annually. The principal items of this kind are: Books, bookbinding, periodicals and newspapers, printing, stationery, cleaning materials. Local sentiment is generally in favour of procuring all supplies locally, where possible, and when this can be done without absolute disadvantage to the library it is the most convenient course. Tenders can be invited either by public advertisement or on the nomination of members of committee and the librarian. To begin with, public advertisement is, perhaps, the fairest way; afterwards, quality of service and other considerations will decide. Specifications should be prepared and sent out according to requirements.