MUTUAI, INSURANCE AGAINST ACCIDENTS IN AGRICULTURAIv I,ABOUR 53 



The Society guarantees the following compensations : 



js* ., In case of death, 1,500 fr. 



2°**., " " " permanent disablement, 3,000 fr: 



3"^^., " " " temporary disablement, an amonnt equal to the half 

 of the employee's daily wages. 



The society also guarantees the expenses for medical attendance, 

 medicines and funerals. Provision is made for the employer's liabihty insur- 

 ance (in case of fault or negligence of the employer), by means of a sur- 

 plus payment, in proportion to the maximum HabiUty and fixed by the 

 pohcy of each member. 



IFor the security required by law and for the expenses of the initial 

 establishment of the society, a sum of 50,000 fr. was subscribed under the 

 form of bonds at 4 %, issued at 100 frs. 



The following interesting details we reproduce from the report read 

 at the general meeting of 191 3: 



The number of members and their contributions were as foUows : 



Number of Members Contribution Paid 



On December 31^^- 1909 372 10,504 fr. 



1910 1,166 32,582 " 



1911 1,891 54,014 " 



1912 3.191 92,595 " 



So we see that the Poitou INIutual Society has been very successful. 

 The amounts paid for claims and medicines etc. were. 



in 1909 1,408 fr. 



" 1910 6,804 " 



" 1911 18,464 " 



" 1912 31,076 " 



Altogether the Poitou Society has very happily solved the problem 

 before it by appeaUng to the spirit of mutual aid and joint interest, which 

 in this field only waits for the initiative of private individuals. 



The Mutual vSociety in vSarthe was founded seven years ago, on a basis 

 somewhat different, but not less worthy of attention 



It provides: i**- , a specal minimum amount only for the employees of an 

 insured employer (he and his family being excluded) and only for medical 

 expenses and medicines, and compensation solely for temporary infirmity or 

 death ; 2°^-, for increasingly numerous risks incurred by the employer or his 

 family, temporary disablement of his labourers or domestic servants 

 through accidents in their w rk, similar disablement of the employer 

 or members of his family, the employer's legal Hability, and risks incurred 

 through the use of machinery etc. The contribution increases with the 

 extension of the insurance and the increase of the risks, and if the insurance 

 is extended to include the employer himself and not limited to his em- 



