Evening times-Republican. [volume] (Marshalltown, Iowa) 1890-1923, 1914-07-08
A Specific Example.

Suppose the pay roll Of a telephone
company is four thousand. four hun
| dred dollars s4.4oo) per week. Two
thousand is paid to the employees en-
gagged in the maintenance of lines: the
rate of insurance on such is 1915. Two
thousand is paid TO the Office and ex-
change employees: the rate of insurance
on such is ~. Four hundred dollars
is paid to the executive officers OF the
corporation who are not exposed to the
operative hazards of the business: con-
sequentiy insurance is not taken out
for the year.
s2.ooox5eMs3.75 per 500. -. SO. 800. 90
.:,eany52@ AZ per 100 -. $3.50
400 Ono fnsurance).
Total insurance premium. 81, $3.50
If this were manufacturing plant It
might be possible to secure a discount
the maximum being 40 per cent, for
having a thoroughly modern factory.
(This matter is hereinafter discnsseO.
Premium Rates.
Standard schedule. Tho premium
rates. as above stated. are based on q
standard schedule agreed upon and
authorized by the rating and classifica-
ton committee of the workmen's COM
pensation service bureau. Altho these
rates vary from time to time still a
general idea can be obtained from the
following rates which are now in force
in this state.
Lowest rates The lowest premium
rate on every hundred dollars pay roll
for the year is II cents This applies
to general Office employees. clerical
work. librarians, professors. bank en-
ployes etc. The second lowest rate IL
IA cents which applies to office em-
ployes in manufacturing plant
Highest rates The highest premium
rate is S23 which applies to those en-
gagged in blasting. The next highest
rate is .$l1.50 which applies to suo-
aqueous work and scrap iron and Junk
dealers.
Other rates. There are a great many
other rates now in force but they are
80 voluminous that it is inadvisable
to set them out in full. A great num-
Der. however are included in the book.
A few OF the other rates are as follows:
Athletic clubs. Sc cents; plumbers.
s125; carpenters, s2.s7: restaurants
and hotels, 81 cents: department stores
and furniture dealers "a cents: hard
ware. Is cents; Office buildings On-
Guiding elevator attendants) So cents;
cigar and cigaret manufacturers. "a
cents: merry go-r rounds. 1850: play
ers or entertainers for dramas and
comedy, 40 cents: hospitals, - cents;
egg drying, 1903; printers, 81 cents;
advertising and circulation solicitors
and clerical force in newspaper Office.
II cents: etc.
Schedule Discount.
The above schedule rate is usually
applied to the various lines OF work but
It Is possible for manufacturing plants
to secure a 40 per cent discount rate
from >the schedule rate for having
modern factory. This discount does not
apply to contractors. stores and other
risks where ma D,ifacturing is not car
ricd on.
The discount depends on how the
factory is equipped and 10 figured out
on system Of points. This ia taken
care Of by the department OF accident
prevention inspection and merit class
ification Of the workmen's compensaa
ton service bureau. an organisation
which receives its financial support
from and is maintained by the stock
liability insurance companies. After
July /. 1914, there will In all prob
ability be corporation known a. the
workman's inspection bureau in the
state OF Iowa, which will do the same
work. This particular department OF
the workmen's compensation service
bureau provides for the inspection BY
skilled inspectors or workmens conn
pensation and liability risks and y
classified according to merit 40 re-
CARDS the use and efficiency Of safety
appliance. The effort Of this organi-
zation is to reduce the number Of acci-
dents, eliminate the danger OF per-
sonal injuries and TO inaugurate and
conduct a general campaign Of educa-
ton on the subject of accident pre-
vention. Accordingly discount on the
premiums IL given to factories for GER
tain improvements. Among this mum.
Der we md that sky lights are to bs
guarded with wire mesh or con-
structed wire glass. Floors are to be
free from protruding nails, splinters,
siipperiness. unevenness. loose boards,
etc Floor openings arr to be guarded
by q railing not less than three and
one .half fest high and . SIX inch toe