Evening times-Republican. [volume] (Marshalltown, Iowa) 1890-1923, 1914-06-19
ADMINISTRATION OF EMPLOYERS
LIABILITY LAW HAS MANY
PROBLEMS.
MUTUAL COMPANIES FORMED
MUST PAY CLAIMS IN FULL
Can Be No Scaling Down Of Policies
Whore Assessments Would Not Raise
Full Amount Of Liability-New Stat
ute Comes Under jurisdiction of In
suranes Department.. ~
Special to rimes-Republican.

special 10 TlmeV-RepuOl1C4n.
Des Moines. June 1s.-Some compli-
cations appear in connection with the
application Of the employers liability
Jaw to various insurance associations.
Z. s. Byrdt. insurance commissioner.
In reply to inquiries from interested
persons, has called attention to the
TACT that where mutual companies are
Formed for providing the liability in
suranoe, variation from the rule as
to such companies must be made,
Under the laws which govern mutuals
1t is possible for mutual to pro-rate
losses and not pay policies in full or
IN other words II assessments to the
limit do not produce the needed funds
Ito pay all losses. they are scaled down.
stBut the employers liability rule per-
1snlits OF NO scaling down. Every loss
Unjust be paid and paid in full. So that.
II mutual company is relied on, there
must be provision for avoiding oil pro-
rating.
1t is also found that some employers
plan to make a showing Of their own
ability to carry tho insurance, and hav-
ing done this. then to safeguard them
selves by tnsuring in unauthorized
companies. It would seem that in this
way they could avoid the necessity of
insuring in licensed companies. But
the department looks with disfavor on
such an arrangement and where it is
found that an employer under such
conditions. Is relying in fact not so
much on his own ability as on the un-
authorized company. his permit to car
~ his own insurance will be subject to
revelation at once.
In very many ways the workmen's
compensation and employers liability
Law comes under the eyes Of the in
surance commissioner. The two de-
partments must work in entire har-
mony.
Iowa has abundant opportunity for
educating deaf persons from other
states. Senator Henry w. Rothert,
superintendent Of the Iowa school for
the deaf. d!scourages tuition pupils
from other states.
Il feel it would be an injustice to
: our Iowa people," he said this week. "to
take all the pupils seeking entrance
F.. from other states. We have had more
applications OF that kind the past year
than ever before. And some Of them
come from states having most excel
lent schools OF their own. 1t Is quite
compliment to us that these pupils
should seek entrance to our Iowa school.
Another thing-rve had more kindly
and complimentary letters from parents
and guardians thanking me for the ex-
cellent work in the school than ever
before. The school year is over and the
pupils are at home now. Their rela-
tives and friends are profuse in their
compliments on the work our teachers
are doing. It IL gratifying record. 1
assure you
Only very few tuition pupils are
taken. The Industrial features Of the
work done in Iowa is attracting much
attention. The school is regarded as
one Of the best equipped in the country.
Despite litigation over the legality Of
the ice cream standard law, the state
dairy department Is watching the ice
cream business closely and is finding
that dealers are prone to the old tricks
Of trying to palm of creamless ice
cream on summer customers. 1nspec-
tors have been selling quantities Of the
stuff on the market and the state
chemist is busy making analyses of
same. 1t is probably that prosecu-
tions will follow soon in number Of
cases.
Evidence that the question Of gov
eminent ownership of the railroads is
becoming q much discussed topic ap-
peared in the office Of commerce coun-
sci 1.-The other day, in the form of a
pamphlet giving list Of publications
and recent magazine and other articles
on the subject. It included material in
all languages and the mere list Of such
publications made pamphlet Of seven
ty-seven pages.
Polk county republicans are looking
forward to a scrap in their county con-
vention over Just one subject-who
among the various undertakers shall
act as coroner. The custom has grown
up in the county Of farming out this
position to undertakew. There is al
ways a big fight for the nomination.
The Job is loked upon as a mere OPP
portunity for some undertaken to get
a big rake of in business. This year
they are all either undertakers or