MUTUAL FUNDS FOR INSURANCE AGAINST THE ACCIDENTS OF AGRICUI^TURE 53 



to the cultivated area and the kinds of cultivation, the basic premium of 

 2 liras a hectare being capable of reduction when the agriculture is not 

 very intensive. Indemnities are paid in accordance with contracts. They 

 vary from 2,000 liras to 3,000 liras in the case of death, according to the 

 kind of work on which the victim was engaged ; from 2,500 liras to 4,000 

 liras in the case of permament total disablement; and from 1.50 liras to 2.50 

 liras a day in the case of temporary total disablement. 



Among insurance societies this one has the merit of having been the 

 first to deal with the optional insurance of agricultural labours by making 

 premiums proportionate to areas, and thus eliminating the obligation to 

 keep pay-books and registers which is" burdensome to agriculture. 



Societd anonima italiana di assictirazioni contro gli infortuni {Italian 

 joint Stock Society for Insurance against Accidents, Milan) : — This society 

 in 1905 extended its activity to accidents in the course of agricultural la- 

 bour not subject to the obligation to insure, charging a premium propor- 

 tionate to the cultivated area. It pays in the case of death an indemnity 

 equal to 1500 times the daily wage of the victim up to a maximum of 2,500 

 liras; in the case of permament total disablement one equal to 1800 times 

 such wage up to a maximum of 3,000 liras ; and in the case of temporary 

 disablement one lira a day. 



Unione Interprovinciale Agricola {Cremona). — This society began to 

 insure against the accidents of agriculture in 1907, charging 1.50 liras for 

 a hectare of land. This sum was afterwards reduced to 0.75 lira. An in- 

 demnity of 1500 liras is paid in case of death and one of 2,000 liras in case 

 of permament total disablement; wliile in the case of temporary disablement 

 one lira a day is paid to the head of a family and 0.50 lira to its other 

 members for a period limited to six months. 



La Fondiaria {The Land Society), Florence. — This society, well known 

 for its insurance of life and against hail and fire, undertook in 1910 the 

 collective insurance of agricultural labour, charging premiums varying 

 from 0.90 lira to 2.25 liras according to the risk and the type of policy. The 

 average premium is 1.25 liras a hectare. 



Indemnities are fixed as follows : in case of death 2,000 liras for a man 

 and 1,000 liras for a woman, in case of permament total disablement 2,500 

 liras for a man and 1,200 liras for a woman ; in case of permament partial 

 disablement an indemnity proportionate to the reduction in working ca- 

 pacity if this be not of more than 20 per cent. ; in case of temporary disa- 

 blement one lira a day. 



Insurance to which such premiimis and indemnities attach refers ex- 

 clusively to agriculturists and labourers employed on agriculture, other 

 than those contemplated by the law of 31 January 1904, No. 51, (persons 

 employed on threshing, woodcutting, motor machines) whom it is necess- 

 ary specially to insure with the society. 



Cassa Nazionale di Assicurazione per gli infortuni degli Operai sul la- 

 voro {National Fund for Insurance against the Accidents occurring to Work- 

 people in the course of Labour), Rome. — This institution, which has a pub- 

 lic character, was formed by the law of 8 July 1883, No. 1473. It is the 



