Cattle Insurance in Bavaria. 



6 



has been contributed by H. Ehrlich to the Deutsche 

 Landwirtschaftliche Prcsse* from the official reports of the 

 institution. 



The Bavarian Cattle Insurance Office is based upon the 

 principle of mutuality, and provides compensation for losses 

 incurred by stockowners from the death or compulsory 

 slaughter of their cattle and goats, and from the carcases of 

 slaughtered cattle being subsequently condemned by the 

 authorities as wholly or partially unfit for food owing to 

 their being affected with some scheduled disease. 



The Insurance Office is an association of all the local 

 insurance societies which accept certain fundamental statutes 

 applicable to all alike. The local societies are voluntary and 

 mutual, and may be formed for a district comprising one or 

 more parishes. The central office exercises a general super- 

 vision over the affiliated societies, and can impose fines up to 

 ios. 



Upon the creation of the office, a capital sum was paid 

 over to it by the Bavarian. Treasury, to be administered as a 

 special fund; the date when this is to be repaid is provided 

 for in the Finance Act. In addition, the State makes a yearly 

 allowance to the Insurance Office, which was at first £2,000, 

 but which amounts at present to £5,000; and a supplemen- 

 tary allowance of£i,25ohas for several years past been given 

 towards assisting certain local societies which had suffered 

 heavily. There is a reserve fund, into which are paid the 

 interest on the capital and the entrance fees. The financial 

 business of the Insurance Office is transacted by the Royal 

 Fire Insurance Office, towards the expenses of which the 

 Cattle Insurance Office annually contributes about Jd. for 

 every £5 insured. In 1900 — 01 the sum so paid was £675. 



Any owner of cattle or goats can become a member of a 

 local insurance society, but he must enter the whole of his 

 stock for insurance, except animals under three months or 

 over twelve years of age, sick or broken down animals, and 

 certain other classes of stock, which are not accepted for 

 insurance. The value of the animals insured is determined 

 by a committee of three members of the society, who also 



* 29th March, and 2nd April, 1902. 



