PHILLIPS LEE GOLDSBOROUGH, ESQ., GOVERNOR. 1629

insurance except as regards accidents occurring before the term-
ination of his employment.

Arbitration.

SEC. 13. Such contract may provide that any controversy
regarding the extent of disability or the extent of dependency,
or any controversy between dependents as to the amounts pay-
able to them respectively, shall be settled by arbitration, the
arbitrations to be named by mutual consent of the parties; and
should the parties fail to agree upon an arbitrator, then the
arbitrator to be named by a judge of the Circuit Court of the
county or City of Baltimore in which the accident happened,
and the award of such arbitrator shall be binding upon both
employee or his dependents, as the case may be.

SEC. 14. Any insurance paid in accordance with the pro-
visions of this act shall not be liable to attachment by trustee,
garnishee or other process, and shall not be seized, taken, appro-
priated or applied by any legal or equitable process or by opera-
tion of law, to pay any debt or liability of the insured or any
beneficiary, nor shall any claim to insurance money be assign-
able by payee before the same is paid.

SEC. 15. A contract of insurance in pursuance of the terms
of this act shall not relieve the employer from liability for any
accident directly due to his failure to supply any safeguard
required to be provided for the protection of employees, by or
pursuant to any statute or ordinance, or any regulation under
any statute or ordinance, unless it shall have been impossible
to comply with such requirement by the time the accident hap-
pened, or unless the enforcement thereof has been suspended or
order of a court of competent jurisdiction.

SEC. 16. Every employer shall file with the Insurance Com-
missioner a copy of the form of contract and policy which he
shall use under the provisions of this act, and in the event of
such form being departed from in any particular case shall also
file a copy of such particular contract.

If he shall fail to do so, he shall be liable to a penalty of
fifty dollars in each case, to be recovered in an action of debt
in the name of the State.

SEC. 17. A quarterly report of all settlement and payment
of insurance benefits shall be filed by the employer with the
Insurance Commissioner. If such employer shall fail to make
such report in thirty days after demand by Insurance Com-
missioner, he shall be liable to a penalty of fifty dollars, to be
recovered in an action of debt in the name of the State.