Masonry Magazine February 1967 Page. 15
Insurance For Contractors
(Continued from Page 13)
in a separate marine policy designed for the purpose. The exclusion does not refer to operations performed for the named insured by independent contractors or to liability assumed by the insured in an insured contract.
E-Aircraft
Coverage is deleted entirely as respects any aircraft owned, operated by, rented or loaned to the named insured and any other aircraft operated by anyone in the course of employment by the named insured. Separate owned and non-owned aircraft liability coverage is available to insure such exposure.
F-Employee Injuries
Injury to employees of the insured and obligations under Workmen's Compensation, Unemployment Compensation or Disability Benefit laws are excluded to avoid conflict with such policies.
G-Nuclear Hazards
Obviously a special risk, work involving nuclear facilities is normally insurable through pools of insurance carriers in cooperation with the Atomic Energy Commission.
H-War Risks
War, civil war, insurrection, rebellion or revolution risks and expenses are standard exclusions.
I-Contractual Liability
As mentioned under the heading of Contractual Liability, the basic policy excludes liability assumed by the insured under any contract or agreement other than those few incidental contracts defined in the policy; that is, written lease of premises, easement, municipal ordinance, sidetrack or elevator (or escalator) maintenance agreements.
J-Liquor Liability
Liability imposed by law under statutes or ordinances pertaining to the sale, gift, distribution or use of alcoholic beverages is excluded as respects persons in such business or as owners or lessors of property used for that purpose.
Some authorities feel that the present policy form does provide a degree of coverage for those not in the liquor business and those who do not own or lease such property, but there is general agreement that a separate Host Liquor Liability Policy or endorsement is the only way to be sure of complete protection.
K-Explosion, Collapse or Underground Damage
The basic policy excludes property damage arising out of explosion, collapse or underground damage, but the exclusions (any one, two or all three of them) apply only to certain classifications of work identified in the policy by the letters "x", "c" and/or "u" after the four digit classification code number. Unfortunately, many policies are none too clear in this respect, so it will pay to become familiar with these exclusions and then carefully examine your policies to determine if any apply to your operations:
EXCLUSION "X"
Excludes property damage arising out of blasting or explosion other than the explosion of air or steam vessels, piping under pressure, prime movers, machinery or power transmitting equipment.
EXCLUSION "C"
Excludes property damage arising out of collapse of or structural injury to any building or structure due to grading of land, excavating, borrowing, filling, back-filling, tunneling, pile driving, coffee-dam work or caisson work, or to moving, shoring, underpinning, raising or demolition of any building or structure, or removal or rebuilding of any structural support thereof.
EXCLUSION "U"
Excludes property damage to wires, conduits, pipes, mains, sewers, tanks, tunnels, any similar property and any apparatus in connection therewith beneath the surface of the ground or water, caused by and occurring during the use of mechanical equipment for the purpose of grading land, paving, excavating, drilling, borrowing, filling, back-filling or pile driving.
In most states, the following classes of contracting work are commonly subject to exclusions as indicated:
CLASS OF WORK
APPLICABLE
EXCLUSIONS
Building raising or moving
x, c
Caisson work
x, c, u
Clay or shale digging
X
Coffer-dam work
x, c, u
Conduit construction
x, c, u
Contractors' equipment rented to others
with operators
x, c, u
Dam construction
x, c, u
Electric light or power line construction
Excavation
x, c, u
x, c, u
Gas mains or connections construction
x, c, u
Gas pipe line construction
x, c, u
Grading of land
x, c, u
Iron or steel erection-subway
construction
x, c, u
Irrigation or drainage system construction
X,
U
Landscape gardening
x, c, u
Oil or gas pipe line construction
x, c, u
Pile driving
x, c, u
Quarries
X
Railroad construction.
X
Salvage operations
x, c
Sand or gravel digging
X
Septic tank systems installation
u
Sewer construction
x, c, u
Shaft sinking
x, c, u
Steam mains or connections construction
x, c, u
Stone crushing
X
Street or road construction
x, c, u
Street or road paving or repaving
x, c, u
Subway construction
x, c, u
Plumbing
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MASONRY February 1967