52 ITALY - INSURANCE AND THRIFT 



cultural products an additional premium is paid, proportionate to the in- 

 crease of the risk. 



Members who, according to local custom, take their own machines 

 to work on the land of other members need pay no supplementary premium ; 

 but if they thus work on land of which the owner is not a member they must 

 pay a slight supplement. 



The indemnity paid to labourers who are the victims of accidents 

 varies according to whether or not they be subject to the compulsion to 

 insure. 



If they be thus compelled, the indemnity is that fixed by the law. 

 If they be not thus compelled the indemnit}^ is fixed as follows : in case of 

 death 2,500 liras ; in case of permament total disablement 3,000 liras ; in 

 case of permament partial disablement a fraction of 3,000 hras propor- 

 tionate to the reduction of working power. 



Insurance against cases of temporary disablement are not included, 

 but members who apply for it can obtain it by paying an additional pre- 

 mium of 70 per cent. 



This mutual fund also guarantees its members, in return for a small 

 additional premium, against all liability they may incur by their own 

 acts or those of their dependents, whether towards labourers employed on 

 their farms or in any other case contemplated by the civil code. 



The Roman Mutual Fund for Insurance against the Accidents of Agri- 

 cultural Labour (i) This fund, which was constituted on the initiative of 

 the Agrarian Committee of Rome by a resolution of i July 1914, extends its 

 activity over the Roman province. It became active in November 19 14, fol- 

 lowing the rules of other mutual funds except in the matter of indemnities 

 which are fixed by the by-laws as f ollws : in cases of death, 2,000 liras for 

 a man and 1,200 liras for a woman ; in cases of total permament disable- 

 ment, 2,500 liras for a man and 1,200 liras for a woman or a child between 

 twelve and eighteen years old. Indemnities are paid for permanent partial 

 disablement only if full working capacity have been reduced by 20 per cent. 



§ 5. The PRIVATE SOCIETIES FOR INSURANCE AGAINST ACCIDENTS. 



In the preceding paragraphs we have briefly shown the organization 

 of the mutual funds for insurance against the accidents of agriculture which 

 were founded on the initiative of various agricultural associations. It 

 is necessary also to indicate the manner in which the same insurance is 

 effected by private societies, on the system of premiums proportionate 

 to area and collective policies. 



Assicuratrice Italiana {Italian Insurance Society) . — This society, which 

 has its offices at ]\Iilan, instituted at the end of 1908 insurance pohcies for 

 all the labour of a farm, whether or not works which compelled insurance 

 were practised on it. Premiums are fixed by contract, proportionately 



(i) La Cassa Mutua Romana di Assicurazione contro gli injortuni sul lavoro neU'agrtculiuta. 



