or alter its decision in approving the election of any employer
to adopt any one of the methods of assuring payment of the
compensation as provided for in this Act, if such action is
reasonably necessary to secure and safeguard such payments
to employees or for the diminishing and prevention of acci-
dents. Any decision of said Commission under this section or
Section 14 of this act may be be reviewed by writ of certiorari
in the Circuit Court for the county in which the employer
may reside or in any of the Common Law Courts of Balti-
more City, if the employer resides in Baltimore City.

Any employer subject to the provisions of this Act, who
fails or refuses to insure voluntarily the payment of the com-
pensation. specified in this Act to his employees and their de-
pendents through one of the methods of assurance of payment,
mentioned in the second paragraph of this section of this
Act, or fails to furnish satisfactory proof to the Commis-
sion of his financial ability to pay such compensation himself,
or give bond or deposit securities as aforesaid, shall at any
time after November first, nineteen hundred and fourteen, be
compelled by the Commission to insure to his employees and
their dependents the payment of the compensation, specified
in this Act, by paying to the State Treasurer for the use and
benefit of the State Accident Fund, hereinafter authorized to
be established, the premiums or taxes levied and. published
by the Commission for the group of employments, industries
or works to which such employer belongs. And any such em-
ployer who fails or refuses to so insure within ten days, after
being ordered by the Commission to do so, shall be liable to
the State in an amount equal to the premiums or taxes re-
quired of him for six months' insurance in the State Accident
Fund, as a penalty, which, together with his premium or tax
due the State Accident Fund for the first six months, mav be
collected by the Commission in the same manner and with the
same effect as provided in Section 22 of this Act for the col-
lection of premiums or taxes in default.

In exercising the discretion conferred upon it by this section
and Section 14 of this Act, the State Industrial Accident Com-
mission shall consider the reputation of any insurance com-
pany or association, in which any such employer may desire to
insure, for promptness and fairness in the settlement of com-
pensation claims, without unreasonable resistance on the part
of any such insurance company or association, and shall also
consider the financial strength of the employer, the number