either with or without the furnishing of riding or
driving instructions; any establishment that
stables five or more horses and receives compen-
sation for these services; sales barns; and all
establishments where five or more horses are sold
per year (Code 1957, Art. 56, sees. 128-1 SOD).

STATE INSURANCE DIVISION
Edward J. Birrane, Jr., insurance Commissioner

Ernest A. Goodman, Deputy Insurance Commis-
sioner

Ted A. Hickman, Executive Assistant to the Com-
missioner

Michael Connolly, Assistant Commissioner
Sidney A. Green, Assistant Commissioner
Stanley E. Vinton, Assistant Commissioner
Thomas Paul Raimondi, Assistant Commissioner
Eugene A. Graham, Chief. Rating and Review
Burton J. Kitchen, Chic/Examiner
Leroy Shaver, Chief Enforcement Officer
J. Frank Nayden, Chief Investigator
James E. Sybert, Chief Hearing Officer
Byron P. Roberts, Public Relations Officer

One South Calvert Street
Baltimore 21202 Telephone: 383-5690

The State Insurance Division was first created
by Chapter 388, Acts of 1872, as a part of the of-
fice of the Comptroller of the Treasury. The Divi-
sion became an independent agency by Chapter
106, Acts of 1878. It is under the direction of the
Insurance Commissioner, who is appointed by the
Secretary of Licensing and Regulation with the
approval of the Governor and serves at his plea-
sure (Code 1957, Art. 48A, sec. 15).

The Commissioner sees that all the laws of
the State governing insurance companies or re-
lating to the business of insurance are faithfully
executed.

The Commissioner authorizes and licenses in-
surance companies, agents, and brokers to do
business in the State. The Division examines all
applicants for licenses as agents, brokers,

approved attorneys, and advisors for fire, casual-
ty, life, accident, health, title, and other insurance
and annuities, fixed as well as variable. It
conducts periodic examinations of all companies
organized under the laws of Maryland and from
time to time participates in the examination of
nonresident companies doing business in the
State. The Commissioner approves all policies for
life, accident, health, fire, casualty, title, and oth-
er insurance offered for sale in the State by au-
thorized companies; authorizes rating bureaus and
advisory organizations; and approves or
disapproves the rates for most kinds and lines of
insurance other than life, accident, and health in-
surance filed by rating bureaus on behalf of their
members and subscribers or by individual
insurers.

The Commissioner also prepares and delivers
an annual report to the Secretary of Licensing
and Regulation for review and transmittal to the
Governor and the members of the General As-
sembly (Code 1957, Art. 48A, sec. 23).

DIVISION OF LABOR AND INDUSTRY
Harvey A. Epstein, Commissioner
Nancy B. Burkheimer, Deputy Commissioner
Vacancy, Assistant Commissioner, MOSH
Henry R. Wolfe, Assistant Attorney General

203 East Baltimore Street
Baltimore 21202 Telephone: 383-2250

The Division of Labor and Industry,
established by Chapter 211, Acts of 1884, as the
Bureau of Statistics and Information is one of the
oldest governmental agencies in this field in the
United States, antedating the U.S. Department of
Labor by one year. After 1892 the Department
was known as the Industrial Bureau. A reorgani-
zation in 1916 renamed it the State Board of La-
bor and Statistics and concentrated in it powers
to enforce all the factory acts. The General As-
sembly made further changes by Chapter 747,
Acts of 1939, and created the present Division by
Chapter 938, Acts of 1945, as the Department of
Labor and Industry. It adopted its present name
by Chapter 402, Acts of 1970.

The Commissioner is appointed by the Secre-
tary of Licensing and Regulation with the ap-
proval of the Governor and holds office at the
pleasure of the Secretary. The Division, under the
direction of the Commissioner, enforces laws and
regulations affecting workers and employers