Earl Derr Biggers 
Love Insurance 

OUTSIDE a gilt-lettered door on the seventeenth floor of a New York office building, a tall young man in a fur-lined coat stood shivering.
Why did he shiver in that coat? He shivered because he was fussed, poor chap. Because he was rattled, from the soles of his custom-made boots to the apex of his Piccadilly hat. A painful, palpitating spectacle, he stood.
Meanwhile, on the other side of the door, the business of the American branch of that famous marine insurance firm, Lloyds, of London- usually termed in magazine articles 'The Greatest Gambling Institution in the World’-went on oblivious to the shiverer who approached.