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The negligence, real and imaginary, of employers of labor,
gives rise to a large proportion of the lawsuits of every industrial
community. Such actions are among the contingencies which
are expected and in recent years commonly insured against. To
avoid the expense of casualty insurance and the risks of not
insuring, the wit of the employer has devised various schemes
which have from time to time come before the courts. They
are intended to furnish a sort of cheap insurance. It is the
object of this article to bring in review some of the principal
authorities and seek what answer the courts are giving to the
question whether the insurance is as effective as it is economical.

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contracts, labor, negligence, employers