LUMBERING IN PINE REGION OF CALIFORNIA. 



93 



the value. The lumber on h^ind m the yard at the time of assessment 

 is valued in about the same way. Assessments are made in April, 

 however, when the lumber stock is generally at its lowest ebb. 



INSURANCE. 



Lumber operators should carry both fire and liabihty insurance. 

 Practically all except the smaU mills carry fire insurance. Most of 

 these carry their own risk because they can not comply with the 

 requirements of fire insurance companies without making an impos- 

 sible increase m their investment. 



Steam sawmills and lumber in yards at steam sawmills may be 

 insured up to about 90 per cent of the actual value. To get a rate 

 for a mill the procedure is to take the standard rate and make certain 

 specified additions to it and deductions from it for designated de- 

 fects in the plant or for designated protective measures. The 

 standard rate for pine sawmills in California is $3 per $100 of insured 

 value. An addition of $1 is made if box factory, planing mill, or 

 boilers are located in the same or immediately adjacent buildings. 

 On the other hand a deduction of from 50 cents to $1 is made for a 

 good fire-protection system. As a rule the rate for normally well 

 equipped and protected niills with power plant in a detached masonry 

 or corrugated iron building is about $3 per hundred. For small 

 mills in the woods which are safe enough to insure, the rate is about 

 $5 per hundred. For especially well built mills with automatic fire 

 sprinkler systems the rate may be as low as $2 per hundred. These 

 are the rates established by the Board of Fire Underwriters of the 

 Pacific Coast. 



The standard rates upon lumber piled in mill yards exposed to no 

 unusual danger are as follows: 



Distance from mill. 



Rate per 

 hnndred. 



250 feet 



S2.00 

 2.25 

 2. .50 

 3.00 

 3.50 



200 feet 



150 feet : . . . 



100 feet 



No clear space 



All omployees of lumbering companies come under the provisions 

 of the California Workmen's Compensation Act, which provides 

 certain compulsory payments in the case of injury or death of an 

 employee. Operators usually do not wish to assume this risk and 

 prefer to carry liability insurance;. This insurance may be pla(;ed 

 with any insurance company, provided <ilaims are paid as directed 

 by the State Industrial Accident Commission; or the employer may 

 insure under the State Compensation Insurance Fund. The rates 



