Masonry Magazine October 1968 Page. 25
WHAT
NOT COVERED.
by Walter T. Derk-MCAA Insurance Consultant
A series of articles composed of a concise summary of principal hazards excluded or omitted from the newly revised liability insurance policies. Designed to bring the fine print into better focus.
MASONRY is pleased to be able to bring you this second series of articles on insurance by Walter T. Derk, MCAA's Insurance Consultant. Mr. Derk's book, "Insurance For Contractors," is now in its fourth printing with over 30,000 copies in circulation.
PART VI
POLICY EXCLUSIONS
There are relatively few exclusions stated in the Comprehensive Automobile Liability coverage part, a great many of the limitations having come under very precise definitions of covered persons and covered vehicles. Normal exclusions are:
(1) Contractual liability assumed under any contract or agreement.
(2) Workmen's Compensation or similar obligations.
(3) Bodily injury to employees.
(4) Property owned by or being transported by the insured.
(5) Property rented to or in the care, custody or control of the insured.
(6) Bodily injury due to war, civil war, insurrection, etc.
Limiting Endorsements Applicable to Specific Exposures
Aside from the standard exclusions listed, the insurance carrier will often attach additional endorsements containing limitations applicable to specific operations or exposures. These may include, but are not necessarily limited to:
Additional Insureds
Ambulances
Amphibious Vehicles
Antique Automobiles
Automobile Leasing or Rental Operations
Buses
Garage Liability
Damage to Customers' Automobiles
Erroneous Delivery of Liquid Products
Explosives
Fire Apparatus
Garagekeeper's Legal Liability
Legal Liability for Physical Damage
Limits of Liability Restrictions
Mileage Limitations
Moving Vans
Owners of Hired Automobiles
Fuel Dealers
Private Livery
Public Automobiles
Repossessed Automobiles
School Buses
Taxicabs
Truckmen
Vehicles Owned by Public Bodies
POLICY EXTENSIONS
# A-Medical Payments Coverage
Aside from limitations appearing in the form of entirely separate insuring agreements and definitions, the endorsement specifically excludes:
(1) Injury to any employee of the insured arising out of and in the course of employment. (The endorsement does not duplicate Workmen's Compensation benefits.)
(2) Injury to employees of automobile sales agencies, repair shops, service stations or parking places.
(3) Injury due to war, civil war, insurrection, etc.
# B-Use of Other Automobiles-Limited Form
This endorsement extends liability coverage to named individuals for their use of other automobiles, but excludes:
(1) Automobiles owned by such named individuals.
(2) Automobiles furnished or available for regular use.
(3) Anything other than a private passenger automobile, if used for business purposes.
(4) Automobiles used as a public or livery conveyance.
(5) Injury to fellow employees.