50 ITAIvY - INSURANCE AND THRIFT 



Its activity extends over the Lombard district which presents a great 

 variety of forms of agriculture. Subsequently to its foundation it fixed 

 its annual premiums, based on area, in accordance with these forms and the 

 respective risks they entail. 



The insurance covers cases of death and of permanent total disable- 

 ment ; partial disablement is not considered unless it is equal to ten per 

 cent, of total disablement ; indemnities are paid after twenty-one days 

 for temporary total disablement. 



The indemnities are as follows : in case of death — to a man 2,000 liras, 

 to a woman 1,000 liras, to a child 500 liras ; in case of permament total disa- 

 blement — to a man 2,500 liras, to a woman or child 1,200 liras ; in case of 

 temporary disablement — i lira a day to a man, 0.50 lira a day to a woman 

 or child, the latter being defined as a person between twelve and eighteen 

 years old. 



At the end of 1914 the fund had 416 members. In this year claims 

 were made for 207 accidents and 183 of them were acknowledged. Of these 

 176 were met by temporary indemnities which amounted to 3,919 liras; 

 one non-indemnifiable fatal accident caused a grant of 400 liras ; and six 

 claims on account of permament partial disablement were indemnified by 

 a total sum of 1,040 liras. The victims included thirty children, 161 men 

 and sixteen women, their ages being as follows : 



from 18 to 20 years 17 from 61 to 65 years 7 



" 21 to 30 years 38 more than 65 years 7 



" 31 to 45 years 49 of indefinite age 13 



" 46 to 60 years 46 children from 



12 to 14 years 30 



The accidents occurred in the months in which work was most intense 

 and in which special works, such as the rearing of silkworms, are usually 

 accomplished. 



The classification of the causes of accidents is peculiarly important. 

 It results from it, according to the opinion of experts, that the gravest risk 

 in agriculture is not so much one due to the use of machines as a risk in- 

 herent in the very nature of the industry. Thus fifty-six accidents occur- 

 red through falls from carts or haylofts, thirty-seven were attendant on herd- 

 ing animals, twenty-five on transporting products, fourteen on the labours 

 of the hay-harvest and nine on those of forestrj^ while only thirteen out 

 of 207 involved injuries by agricultural machines or implements. 



The injuries which had such origins affected different parts of the body 

 as follows : 



feet 51 accidents arms 16 accidents 



head 8 



" face 6 



" eyes 3 



groin I 



