The Bridgeport evening farmer., 1913-12-23

ges. A farmer, under this rule, may cover his regular employees at the per capita price, thereby rendering that part of the insurance cost certain in advance. For all additional enn- ployees the payroll rate shall apply universally, and this shall be the rule even if any of such additional ern- p1oyes~ become permanent. Upon re- newaI of the policy, however, the per- manent basis may be charged.
 For two inservants or 1ess $3. For each additional inserVant, $1.50.
 ! Occasional servants shall take the rate of the Classification to which they belong except that chaufeurs will not be covered as occasional servants. If a fair average estimate of the time during which an occasional servant is employed shall be one-third. or less of customary full time, then the rate for such occasional servant may be one third the premium rate provided above for the class to which that ser want belongs, but in no event can the premium for occasional servant be less than one-third the premium for the class If the time during which the occasional servant is in service can fairly and reasonably be estimated as more than one-third ordinary time but not more than one-haIf customary full time, then the rate Of such occa- sional servant shall be one-half the
 
 that servant belongs. If a fair and reasonable estimate of the amount Of time to be devoted by the occasional servant shows that more than half the customary full time is so engaged, then the premium rate for such occa- s1ona1 servant shall be the full rate hereinbefore provided for that class of servant.
 For casual servants as defined with out regard to number, time or charac- ter of service, $1 per annurn for each named assured in the policy.
 The minimum annual premium for a residence or~farm policy shall be $7.50 if no chauffeur is included or $12.50 if a chauffeur is included.
 If during the term of the policy the assured ceases to employ any chauf- feur, covered by the policy for which per capita premium rate is paid upon notice in writing to the company the eoverage of such chauffeur may be cancelled out of the policy as of the date of such notice and that portion of the premium paid for such chauf- feur which is unearned may be return ed to the assured. The unearned pre- rnium shall be determined by charging the customary short rate portion of the chaufeHr's premium from the date of the policy to the date of the notice of cancellation, but in no event shall such short rate premium portion oe 10SS ILcdA 9O II edL the I11116 or the issue of the policy there is no chauf- feur employed but any chauffeur is thereafter put in service, such chauf- feur may be added to the policy by suitable endorsement upon the basis of short rate premium charge for the remaining portion of the policy De- rtod, which short rate premium charge, however, shall not be less than $5.
 If a farm policy is issued to in clude occasional servants upon a pay roll basis, additional minimum for this element shall be $40.
 When the policies are issued upon farms as defined in the rule and th.. i premium charges as provided equal or exceed the minimum annual pre- rnium of $7.50. the public liability features and the charges therefore may be omitted, 1t being understood that the obligation of the company for injuries to those not employed I shall not be covered by the policy. This exceptions shall not apply to resz idences as defined in the rule and shall in no way be construed to inter fere with the minimum premium re- qu1rement. This exception is made for the purpose of permitting farmers to obtain compensation insurance only.
 Rates for public liability are the standard limits, five and ten thous- and. Rates for employers liability are for unlimited