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THE MUSIC TRADE REVIEW
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NEW
YORK,
J U L Y 4 , 1914
EDITORIAL
T
for it, while some others say that it will create an unjustifiable
burden on business men.
-
.
1-
Governor Glynn, in reply to the objections of the smaller •manu-i
facturers that the added cost which the law will impose on theni
r
will be most serious, said this week:
•'•
'-
"Speaking not from a humanitarian standpoint, but from a
cold basis of dollars and cents, the very men who are objecting to
the addition "of a few hundred dollars to their payrolls each year
will soon find that those few hundreds are among the^most wisely,
expended of all they have ever used in -th^ conduct of "their busi-
ness. It will bring dollars and dollars back to them. . , v ?.' ••
"As to their objection that, this law effects an unj.ust dfscrimi-
nation against the manufacturers of New York State, • our rates
are actually lower than those of Ohio, Michigan, Wisconsin and
Minnesota, and on a flat basis very little higher than those of Mas-
sachusetts. There are two clauses in this law which will actually
bring the cost of insurance under it below what it is in Massachu-'•
setts. If a manufacturer guarantees to take care of his injured
employe's doctor's bills he gets a discount of 20 per cent.;.if he
makes his shop as safe as it can be made he gets a discount of
from 20 to 40 per cent. These two discounts combined make the
cost of insurance here lower than in Massachusetts, despite the
fact that we afford a very much larger return to the'injured.
"Some employers say that this new law is going' to cost/them^
so'me money. Well, what is the present law costing them? Most 5 *
of them are now paying liability insurance, which means not only
that they have to provide for compensation to injured employes,
but that they have to maintain their own or their insurance com-
panies' big legal staffs and all the other expensive accompaniments
of litigation. Under the new law they will just have to pay'their
share of the money that is due to the injured employe and nothing
more. A few days ago, in Saratoga County, a short distance from
Albany, a woman employe got a verdict of $20,000 for a lost arm.
That is just typical o'f the big verdicts that juries every now and
then hand out against employers—after a legal fight. Under the
new law this chance will be eliminated. Every eirployer will know
just what any accident will cost him ; he will have paid a modest
premium against it and will not have to dig into his capital to
meet any such outrageous assessment as the one that woman se-
cured. In other words, if an employer pays liability insurance to-
day he pays an excessive premium. If he does not pay liability in-
surance he takes an excessive risk. The new law eliminates both
excesses. The employer pays a fixed premium, a moderate one,
for just the industrial risk that his business, as he conducts it,
involves—and no more. No employer is going to be compelled to
pay more than the risks of his business show he should pay.
"Under this law we have established what exists nowhere else
in the world, a great bureau for the prevention of industrial acci-
dents by encouraging safer shops through the lower premiums
attainable. The insurance companies, the mutuals and the State
Fund are all bound to'gether in this bureau, and under it a rate
will be made for each individual shop. If a foundryman kills one
employe a week, his rate will be correspondingly higher than the rate
of his neighbor who hasn't killed a man in ten years."
H E Workmen's Compensation Law went into force in New
York State on Wednesday last, July, i, and every employer
whose employes are engaged in hazardous occupations—and the
making of pianos is included as one of them—must under the law
have them insured before July 10. He may insure in either a State
operated fund, a casualty company or a mutual company, or, if he
can satisfy the Compensation Commission of his responsibility, ho
may carry the risk himself.
The benefits to be paid to workmen or their dependents in
case of death or injury by accident are higher in this State than
in any of the others that have adopted the same laws, and neces-
sarily the cost of insurance will be higher, although on this subject
Governo'r Glynn claims that this increased cost is more on the
surface than real. Be that as it may, the law places a new burden
upon industry, which must, of course, affect the price of
goods.
It would be difficult to imagine that the several competing
agencies in which liability may be insured have overlooked any
manufacturers, but we do know many employers have been much
in the dark regarding the new law, especially as to the legal theory
on which it is based, and the benefits it will bring to them along
with the added responsibilities, that many have delayed taking
action. Even lawyers are yet not quite clear as to its provisions.
The rates that have already been published show that the pre-
mium which employers in this State will have to pay will range
from 29 cents per $100 of pay roll in minor risks to $19.44 in the
more seriot;, risks. The rate will vary not only with the trade, but
with the individual risk of each employer, according to the freedom
from accidents which he can show from time to time.
The total of premiums to be paid in this State will probably
be over $20,000,000, but against this the friends of the measure
claim the entire elimination of negligence actions in the courts and
a large diminution in the number of dependents to be cared for by
the public. All agree that the law will have a far-reaching effect on
O
the business of the State, Tts friends claim all sorts of advantages
against misleading advertising are not in force.
NE of the developments of the annual convention of the Asso-
ciated Advertising Clubs of America, held in Toronto last
week, was the resolution passed at one of the meetings condemning
special sale piano advertising of a sensational character and similar
to examples of advertising brought to the attention of the conven-
tion by Joseph M. Mann and which had appeared in Baltimore
and Washington newspapers.
Although piano advertising is not the only sort to be con-
demned—automobile, real estate and general merchandise dealers
in a variety of lines being equal if not greater offenders against
advertising decency than the piano 1 men—the examples of piano
publicity brought before the advertising men were apparently fully
deserving of the attention and condemnation received. The same
advertising presented before the recent convention of the National
Association of Piano Merchants aroused the association members
to a high point of indignation and resulted in instructions being
given to the secretary of the association to make a strong protest
against the advertising, the only course open in States where laws