150 A7i Experiment in Mutual Assurance. 



The full working of the association can readily be gathered 

 from its rules : — 



The Binbrook and District 

 GLANDERS INSURANCE ASSOCIATION. 



Rules. 



1. — The Association shall be called "The Binbrook and District Farmers' 

 Insurance Association for protection against loss through Glanders." 



2. — A Chairman, Two Vice-Chairmen, Secretary, and Treasurer, with Five 

 other Members, shall be chosen annually, and constitute the Committee, of 

 which Five shall be a Quorum. 



3. — The objects of the Association shall be to compensate Members of the 

 Association against losses after the Local Authority has ordered the slaughter 

 of any horse or horses suffering from Glanders. 



4. — After the Disease called Glanders has broken out in a farm stable or 

 other place, the owner (being a member) of the said horse or horses shall 

 immediately give notice in writing to the Secretary of the Association, who 

 shall at once communicate by writing to every Member of the Association, and 

 also call a General Meeting. 



5. — The Association shall each year appoint two Valuers at their Annual 

 Meeting, one of whom shall act on behalf of the Association ; in case the 

 outbreak be on both Valuers' farms, the Secretary to act upon Rule 4. 



6. — When the Local Authority has ordered the slaughter of a horse or 

 horses suffering from Glanders, the Association shall send their Valuer to 

 meet another Valuer appointed by the Owner of such horse or horses suffering 

 from the Disease of Glanders, and in case of their not agreeing they shall 

 appoint an Umi)ire, who with themselves shall be Members of the Association, 

 and their decision shall be final. 



7. — Each Member shall pay an entrance Fee of 6d. for every 50 acres or 

 portion of 50 acres in his occupation. It is imperative that a Member must 

 enter the whole of his occupation both within and without the district. 



8. — There shall be no annual subscription or payment, but when a case of 

 Glanders has broken out and the Local Authority has ordered the slaughter of 

 any horse or horses belonging to a Member of this Association, a call of a rate 

 per acre upon the whole of his occupation shall be made upon each Member, 

 as shall be deemed necessary, added to any sum paid as compensation by the 

 Local Authority, to cover Three-fourths of the value of such loss. The 

 maximum value of any horse shall not be put above £60. 



9. — No person shall be considered eligible to become a member of this 

 Association who occupies, either as Owner or Tenant, less than 100 acres of 

 land, nor shall any person become a Member whose principal business is that 

 of a horse dealer, or has a place of business for the slaughter of diseased horses, 

 beasts, sheep, or pigs. 



10. — The Committee reserve to themselves the right of accepting or 

 refusing any applicant for Membership of this Association. 



Very few claims were made upon the Association ; in fact, 

 in recent years, it has only been kept alive with a view to the 

 extension of its operation by the inclusion of other risks, 

 should occasion arise. The opportunity for expansion pre- 

 sented itself last summer, consequent on the action of the 

 Tariff Offices in raising the rate for insurance against 

 employers' liability, and the Glanders Association was 

 reconstituted as follows : — 



The Binbrook and District Glanders Insurance Association 

 at a General Meeting, held on June 21st, having agreed to change the name 



