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134 CORPORATIONS. [ART. XXIII
department; a copy of which said report to the Governor he shall for-
ward to the insurance commissioner or other similar officer of every
other State of the United States, and to each company doing business
in this State; and on request he shall communicate to the insurance
commissioner, or other proper officer of any other State, any facts which
by law it is his duty to ascertain respecting companies of this State doing
business within such other State; and at the request of any person,
and on payment of the proper fee, as hereinafter provided, he shall
give certified copies of any record or paper in his office when he deems
it not prejudicial to the public interest so to do, and he shall give
such other certificates as this sub-title provides for; and he shall adopt
and renew from time to time, when necessary, with the approval of the
Governor, a seal of office, an impression and description of which, with
the Governor's certificate of approval, shall be filed with the Secretary
of State.
Eleventh. All stock corporations doing the business of bonding and
casualty insurance, whether incorporated under the laws of Maryland
or of some other State and authorized by the Insurance Department to
transact such business in this State, shall at all times keep and main-
tain adequate reserves sufficient to pay the claims which may have been
filed against such corporations, and also reserves for unearned pre-
miums, said reserves to be estimated as hereinafter described.
Twelfth. The reserve for outstanding losses under insurance against
logs or damage resulting from accident to or injuries suffered by an
employee or other person, and for which the insured is liable, and
under insurance against loss from liability on account of the death of
or injury to an employee not caused by the negligence of the employer,
shall be determined as follows: Each corporation which writes policies
covering any of the said kinds of insurance shall include in the annual
statement required by the insurance laws of this State a schedule of its
experience thereunder, in the United States and foreign countries in
the case of corporations organized in the United States, and in the
United States only in the case of corporations organized outside of
the United States, giving each calendar year's experience separately,
and crediting or charging each item to the year in which the policy
to which it relates was written, as follows: (1) The earned premium
on all such policies written during the period of ten years immediately
preceding the date as of which the statement is made, being the gross
premiums on all such policies including excess and additional pre-
miums and premiums in course of collection, less return premiums and
premiums on cancelled policies and less the unearned premiums on
policies in force as shown in such annual statement; (2) the amount
of all payments of whatsoever nature made by reason or on account
of injuries covered by such policies written during said period. This
amount shall include medical and surgical attendance, payments to
claimants, legal expenses, salaries and expenses of investigators, adjust-
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