Registry No. 1730-04 

NATIONAL RECOVERY ADMINISTRATION 

PROPOSED CODE OF FAIR COMPETITION 

FOR THE 

MUTUAL FIRE INSURANCE 

AUTOMOTIVE MUTUAL INSURANCE 

AND MUTUAL CASUALTY INSURANCE 

INDUSTRY AND AFFILIATED 

ORGANIZATIONS 

AS SUBMITTED ON AUGUST 31, 1933 

The Code for the Mutual Fire Insurance 

Automotive Mutual Insurance. and Mutual Casualty Insurance Industry 

in its present form merely reflects the proposal of the above-mentioned 

industry, and none of the provisions contained therein are 

to be regarded as having received the approval of 

the National Recovery Administration 

as applying to this industry 

UNITED STATES 

GOVERNMENT PRINTING OFFICE 

WASHINGTON : 1933 

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For sale by the Superintendent of Documents, Washington, D.C. - - Price 5 cents 
SUBMITTED BY 

FEDERATION OF MUTUAL FIRE INSURANCE COMPANIES 

NATIONAL ASSOCIATION OF AUTOMOTIVE MUTUAL INSURANCE 

COMPANIES 

NATIONAL ASSOCIATION OF MUTUAL CASUALTY COMPANIES 

(II) 
CODE OF THE FEDERATION OF MUTUAL FIRE INSURANCE 

COMPANIES, NATIONAL ASSOCIATION OF AUTOMOTIVE 

MUTUAL INSURANCE COMPANIES, NATIONAL ASSOCIATION OF MUTUAL CASUALTY COMPANIES, AND THEIR 

AFFILIATED ORGANIZATIONS 

The provisions of this Code shall apply to all the member companies of the Federation of Mutual Fire Insurance Companies, the 

National Association of Automotive Mutual Insurance Companies, 

the National Association of Mutual Casualty Companies, and their 

affiliated organizations. All these organizations and their constituent companies, being in sympathy with the spirit and purpose of the 

National Industrial Recovery Act, present this Code to the President to forward the program leading toward the economic and business recovery of the United States, the necessity for which is stated 

in Title I, Section 1, of the Act. 

ARTICLE I 

The F ederation of Mutual Fire Insurance Companies, the National Association of Automotive Insurance Companies and the National Association of Mutual Casualty Companies affirm that they 

impose no inequitable restrictions on their members and participation in their activities and that they are truly representative national 

associations of fire and casualty insurance companies operating on 

the mutual plan. 

The membership of the various organizations above named, in 

whole or in part, maintains, supports, or subscribes to insurance rating, inspection and audit bureaus, associations, engineering services, 

testing and inspection stations and laboratories, arson investigators, 

loss-adjustment bureaus, and patrol or salvage corps cooperating 

with municipal fire departments, all of which come within the purview of the Code. 

The operation of the business of fire and casualty insurance and 

its allied activities are rigidly controlled by the laws of the several 

States which are not rescinded or set aside by the National Industrial 

Recovery Act. Nothing herein shall obligate the companies members of the above-named organizations to any action, agreement, or 

understanding prohibited by the laws of any of the States. • 

ARTICLE II-LABOR PROVISIONS 

SECTION 1. (a) Employees shall have the right to organize and 

bargain collectively through representatives of their own choosing, 

and shall be free from the interference, restraint, or coercion of 

employers of labor, or their agents, in the designation of such representatives, or in self-organization, or in other concerted activities for 

9677-33 (1) 
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the purpose of collective bargaining, or other mutual aid or 

protection. 

(b) No employees and no one seeking employment shall be required as a condition of employment to join any company uni011 

or to refrain from joining, organizing, or assisting a labor organization of his own choosing; and 

( c) Employers shall comply with the maximum hours of labor, 

minimum rates of pay, and other conditions of employment, approved or prescribed by the President. · SEc. 2. Child labor.-After August 31, 1933, no person under sixteen years of age shall be employed, except that persons between 

fourteen and -sixteen years of age may be employed for not to exceed 

three hours a day and those hours between 7 a..m. to 7 p.m. in such 

work as will not interfere with hours of day school, provided, however, that where a State law prescribes a higher minimum age no 

persons shall be employed in such State below the age specified in 

such law. 

ARTICLE III-HouRs OF EMPLOYMENT 

SECTION 1. Not to work any employees engaged in the business 

of insurance, except outside representatives consisting of salesmen. 

solicitors, agents, field representatives, claims men, inspectors, service engineers, adjusters, appraisers, collectors, pay-roll auditors, 

raters, and employees handling mortgages and real estate for more 

than 40 hours in any one week. 

SEC. 2. The maximum hours fixed in the foregoing paragraph (a) 

shall not apply to employees in a managerial or executive capacity 

and to their technical assistants who now receive more than $35.00 

per week; nor to guards and watchmen employed to safeguard 

securities; nor for an aggregate period not exceeding eight weeks 

in any one year to employees on emergency work incident to the 

preparation of annual statements or special data required by the 

respective states in their supervision of the insurance business; nor 

to extra work in offices on account of an unusual number of loss 

claims; nor to special work where restrictions in hours of highly 

technical workers would unavoidably hamper operations. 

ARTICLE IV-WAGES 

Employees engaged in the business of insurance shall be paid natl. (a) Less than $15 a week in any city of over 500,000 population or in the immediate trade area of such city; 

(b) Less than $14.50 a week in any city between 250,000 and 

500,000 population or in the immediate trade area of such city; 

( c) Less than $14 a week in any city between 2,500 and 250,000 

population or in the immediate trade area of such city; 

( d) In towns of less than 2,500 population all wages shall be increased by not less than 20 percent, provided that this shall not 

require wages in excess of $12 a week. 

2. (a) Messengers may be paid not less than 75 percent of the 

minimum wages above specified. . (b) Junior file clerks for a period of six months after employment 

may be paid not less than 75 percent of the minimum wages above 

specified. 
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Employees referred to in Sections 2 (a) and 2 (b) shall not exceed 

10 percent of the total number of employees. 

ARTICLE V-GENERAL 

Population for the purpose of this agreement hall be determined 

by reference to the 1930 Federal Census. 

The provisions of this Code may, upon petition of this Association, 

with the approval of the President, be modified as chano-es in circumstances or experience may in licate. 

This Code shall become effective when approved. 

FEDERATION OF MUTUAL FIRE IN URANCE 

COMPANIES, 

NATIONAL ASSOCIATION OF AUTOMOTIVE 

MUTUAL INSURANCE COMPANIES, 

NATIONAL AssocIATION OF MuTUAL CAsu ALTY Co MP A NIES, 

By A V. GRUHN, 

By E. L. POOR, 

General Manager, A nieric(J;n M utiial Alliance . 

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UNIVERSITY OF FLORIDA 

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