820 LAWS OF MARYLAND.

into the affairs of said association at least once in every two
years.

154-H. The members of any such mutual insurance associa-
tion may make reasonable rules and regulations, not in conflict
with the laws of the State, for the betterment of the industries
in which they are engaged, including particularly rules and
regulations for the prevention of accidents to employees on the
premises of employer members, and they may impose fines and
forfeitures for the violation of any such rules and regulations.
Such rules and regulations and fines and forfeitures shall be
submitted to the State Industrial Commission, and when ap-
proved by it shall be enforced by the directors of any such as-
sociation. Should the members of such an association fail to
make such reasonable rules and regulations the directors thereof
shall make and submit them to the State Industrial Commission
for its approval, and when approved by said Commission the
directors of such association shall enforce them. If such an
association appoints one or more inspectors or experts for the
purpose of accident prevention they shall have free access to all
premises of employer members, where work is being conducted,
during regular working hours. The policy of any member ne-
glecting to provide suitable safety appliances as provided by law
or as required by the rules and regulations of the association
may be cancelled and terminated by the Board of Directors after
giving to such member notice of such cancellation ten days prior
to its becoming effective.

154-I. After January first, nineteen hundred and sixteen,
the State Insurance Commissioner may, in his discretion, issue a
certificate of authority to a mutual association organized under
the laws of another State to do such insurance in this State; pro-
vided that, in no event, shall authority be given to any such
mutual association to do other kinds of business than those
specified in Section 154-A of this Article. Such association shall
be required to maintain the same reserves for the protection
of members and employees as are required for domestic associa-
tions authorized to transact the same kind of insurance.

154-J. Nothing in this Article shall prevent any employer
and his or its employees, subject to the approval of the State
Industrial Commission, from agreeing upon and conducting any
scheme of compensation, benefit or insurance for the purpose of
insuring the payment of compensation or any other liability of
such employer to his employees, or, in the event of death, to the
dependents of such employees as the result of accidental injury