The Bridgeport evening farmer., 1913-12-23
FARMERS AND
 SERVANTS RATES
An Addition Tn Compensation Insurance Manual - Owners And Farmers Will Now Know Where They
 Stand

The Hartford liability stock com panies are sending to their representa- lives schedules of the rules and rates outlining the manner in Which 1nsuf- lance may be furnished to private res fidence owners and farmers in Connec- ticut to provide them protection under Ithe workmen's compensation law; also
 the premium charges for such cover Jage A private residence owner or a
 farmer is afforded an opportunity to secure protection which will remove all doubt as to the legal status under
 follows:
 Definitions: Private residence" l CD a single building designed for and | occupied as a residence by no more than two families, together with the land upon which it is situated (not ex-
 ceeding five acres), also including 1 barns, stables, garages and customary l out-bui1dings so far as they are used
 for household or farm purposes, but l not for other busine or professional purposes; or (2) a tenement, flat or
 apartment definitely described in any building if occupied as residence. | Farm-A private residence with i which there is connected a tract of land of more than five acres. Private chauffeur an employee f- l censed as a, chauffeur and whose du- ties include the operation, nlainten- ance or repair of any private automo- biIe This definition shall exclude all employment upon public or commer- cia1 automobiles
 Outservant-Any person employed for household, domestic or farm ser vice exclusively, whose principal du- ties are performed outside the resi- dence but upon the grounds covered by the policy. Chauffeurs not includ- ed.
 Inservant-A1l employees in house ] C. <9< fined above and whose principal du- ties are performed inside the resi- dence. This term shall include cooks, 1aundresses, maids, buffers, footmen, seamstresses, nurses, companions, gov ernesses and all other employees per forming duties of a domestic charac- ter principally within the household of the assurad by whatever name or term they may be designated. Occasional servant shall include those employed either as tout ser vants'' or ''in servants whose enn- pIoyment is not continuous but whose duties are a regular and continuing part of customary household. domestic or farm duties. This term may be H. 1ustrated by, but is not limited to, such employment a. 1aundress for certain days in the week or a choreman who perhaps takes care of the furnace, re- moves ashes, shovels snow in season, cuts the lawn in season and does other work of this character, using as much time and at as frequent intervals as the requirements of the work make necessary.
 Casual ServantsIThose temporarily employed for exceptional unusual household, domestic, farm or personal service.
 Outworker-Any person to whom articles or materials are given to be treated in any way on premises not of s. sured.
 Employers LiabfIity-The obIiga- ton of the assured for either compen- sation or damages for personal injur- ies to an employee arising out of and in the course of his employment in household, domestic, farm of personal service.
 Public Lfability-The obligation of the assured for damages for personal injuries sustained upon the insured premises. or adjoining public ways by any person or persons not employed by him.
 The employers liability obligation shall include those servants described in the policy in consideration of per capita premium for each. All casual employees and outservants must be in- ,cluded in each policy for a. nominal premium stated. 5N
 Residents or farm policies may be> issued to cover both husband and wife as assured without additional charge except that the premium rate for ca sua1 servants shall be charged sepsu rately for each named assured.
 The policies shall cover the main tenance, operation, use, and occupancy of the residence or farm, including or d1nary and casual repairs but not con- struction work of any kind or alter ations in existing structures.
 Policies will be issued to cover the servants employed at the time of is- sue If during the period of the pol icy, added servants are employed or those previously employed are dis missed, statements shall be made to the company at the end of the period and pro rata premium payment made for each added servant or allowed for each dismissed servant to the end that the premium upon adjustment shall represent premium charge as in the | policy provided for each servant ern- pIoyed according to the term of that employment. No pro rata premium | charge shall be less than 2 5 per cent l of the annual per capita charge for | each servant except chaufeurs fol. | whom a minimum charge of $5 each | shall be made.
 Servants need not be named and the | substitution of one servant for anoth- 1 CT in the same line of duties requires l no notice to the company and no change in the policy. |
 The Rates.
 For public liability for private l residences, each $3 per annum.
 For farms add to the private resi- | dence rate a sum equal to 5 cents for | each acre in excess of five acres.
 For ''empIoyers' liability the fol- | lowing premium charges are annual | per capita:
 For each private chauffeur. $1O For each outservant. nt.... 3 |
 Occasional servants employed as upon farms during partic- 1 ularly busy seasons, shall be covered | under the policy, but the premium shall be computed by applying a pre- mium rate of S1.20 to the actual wa