. The Saturday evening post. or death;it can create a new civilization. Here are two great Ideasupon which the AmericanMutual has built its structureof Industrial Justice. The Idea that the Employeris responsible for the results ofaccidents to his first dim foreshadowings?f this conception are foundin the maritime codes of the11th century, whereby shipowners were obliged to pay thesailors wages to the end of thevoyage, regardless of Workmens Compensa-tion laws in nearly all our statesstipulate that the employermust pay compensation to allinjured workmen; the benefi
. The Saturday evening post. or death;it can create a new civilization. Here are two great Ideasupon which the AmericanMutual has built its structureof Industrial Justice. The Idea that the Employeris responsible for the results ofaccidents to his first dim foreshadowings?f this conception are foundin the maritime codes of the11th century, whereby shipowners were obliged to pay thesailors wages to the end of thevoyage, regardless of Workmens Compensa-tion laws in nearly all our statesstipulate that the employermust pay compensation to allinjured workmen; the benefitsin some cases continue throughlife. Surely the bands havebeen lifted from the eyes ofJustice. And the other great idea —the Idea that men who mustbear risk can band together toinsure themselves against 1696, in England, the firstInsurance Company wasformed. This, the Hand-in-Hand, was a mutual company;the members pooled their risksand pooled their profits. These two Ideas came to-gether when, in 1887, the first. THE PRiNCIPLFOR ACQ Employers Liability Law in America was passed, inMassachusetts. In the same year the American MutualLiability Insurance Company was founded, to render the fullest protection to em-ployer and employee. Operat-ing on the sound mutualprinciple it has established thisnotable record: The American Mutual is theoldest, largest and strongestmutual liability insurancecompany in America. The American Mutual savesthe employer money—realmoney. Every year for 33 yearsit has sent each policyholder acheck for at least 30% of hispremium—final proof ofAmerican Mutual efficiencyand economy. TheAmericanMutualhas re-turned toits policy holders morethan $8,000,000. It has a con-tingentfund of over$13,000,000— a bulwark of millions pro-tecting the policyholders. It has extended its service toAutomobile Insurance, andgives every policyholder thor-ough protection, and the rightto share in American Mutualeconomy. Each automobileowner has received every year
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