28 Insurance of Live Stock in Bavaria, [april, 1904.} 



for goats. Compensation is also paid if after slaughter it is 

 discovered that the meat is unfit for human food on account of 

 tuberculosis, &c. ; in this case the owner receives eight-tenths of 

 the value of those parts of the meat which are declared unfit 

 for food. This latter compensation is in fact an insurance against 

 the meat being ultimately found unfit for food after having been 

 first passed by the sanitary inspectors as sound. 



Since November 1, 1900, there exists in Bavaria also a State 

 insurance department for horses alone (Law of April 15, 1900). 

 The principles followed are the same as those for cattle 

 insurance : local associations form the basis and they pay half 

 of the compensation, the other half being paid by the 

 Department. The horses to be insured must be over eight 

 months and under fifteen years of age. The compensation 

 amounts to seven-tenths of the value. In 1902-3 there were 

 401 local associations for the insurance of horses in Bavaria* 

 numbering 24,366 members, 60,021 horses being insured for 

 the sum of ^1,271,632. 



In many places, the insurance systems above described meet 

 with some opposition, on the ground that the small farmers are 

 called upon to contribute towards the compensation granted to 

 the owners of large numbers of cattle. 



4. Municipal Insurance of Cattle for slaughter. — The 

 municipal insurance of cattle for slaughter was instituted in 

 Munich on June 1, 1903. The premium is ud. for cattle and a 

 little over id. for sheep, swine, &c. The first six months 

 yielded a surplus of ,£500, which was used to form a reserve- 

 fund. Other Bavarian towns (Nuremberg, Bamberg, &c.) have 

 also started this special kind of insurance with similar results. 

 The idea is to compensate cattle-owners whose animals have 

 been found sound by the sanitary inspector, in the event of the 

 meat, or portions of it, being subsequently discovered to be 

 unfit for human food. 



