Masonry Magazine January 1965 Page. 38
STARK
STRUCTURAL
GLAZED TILE
LOWEST MAINTENANCE SCRATCH
RESISTANCE FIRE-PROOF SAFETY.
UNEQUALLED DURABILITY INITIAL
ECONOMY PERMANENT COLOR
Only Structural Glazed Tile offers all of these performance, esthetic and economical advantages for wall construction. Only Stark offers Structural Glazed Tile in such a wide variety of types to satisfy requirements of fire safety, sanitation, economy and design versatility.
NEW FEATHEREDGE
COVE BASE...
Eliminates need for re-
cessed floor construction.
Stark Featheredge base
may be installed after
floor construction to ac
commodate resilient type
floor coverings.
VISIT US
EXHIBIT 94
MCAA
CONVENTION
Cleveland, Ohio
STARK
CERAMICS, INC.
CANTON 1, OHIO
38
Insurance For Contractors
(continued from page 28)
However, where the work to be performed is inherently dangerous or the damage proves to be a necessary consequence of following contract specifications, more than mere defense may be involved. In such cases, judgments may be awarded against the owner or general contractor although the work was sublet. This coverage becomes applicable, too, where the subcontractor's primary insurance limits may be inadequate or his coverage entirely void, because of non-payment of premium, for example. Rating basis, usually per $100 of sublet contract cost.
Example No. 1
The owner of a new building under construction required that the general contractor furnish him with an Owner's Protective Liability Policy, while the general had a Comprehensive Liability Policy with automatically covered him for sublet operations. An employee of the subcontractor, a roofer, dropped a tool onto an already-bandaged lad below causing injury.
A suit was filed naming all three in the complaint. Defense of the owner was provided by the Owners' Protective Policy and the general's Comprehensive Policy in turn assured him of legal representation, while the sub's basic Operations Premises Insurance took care of his defense and ultimately paid the loss.
Example No. 2
An acoustical tile contractor sublet a rush portion of his job to a lather whose certificate of insurance was delayed for several days. When it did arrive, after an accident hasd occurred because of the lather's negligence, it revealed bodily injury limits of $10,000 each person and $20,000 each accident. Both contractors were named in a suit resulting in an eventful judgment of $17,500. The tile contractor's Protective Liability Coverage provided for his defense and payment of the $7,500 in excess of the subcontractor's policy limit.
DIVISION IV Products Liability
Completed Operations Liability
Optional under the Comprehensive General Liability Policy form, this division covers the insured's legal liability for bodily injury or property damage caused by: (A) goods or products manufactured or sold by the insured after possession has been relinquished to others, in most cases provided the accident occurs away from the insured's premises, and (B) completed or abandoned operations, if caused by accident away from the insured's premises.
Because coverage for both hazards is included in this single division of the policy, the term "Products Liability" has come to mean insurance for completed operations.
MASONRY January, 1965