Masonry Magazine October 1968 Page. 26
Fireplacing
simplified.
WARM
COOL
AR
with the
famous
HEATILATOR Mark C
HEAT CIRCULATING FIREPLACE
THAT'S GUARANTEED SMOKE-FREE
Use the famous Heatilator Mark C fireplace unit to eliminate time consuming areas in fireplace construction. All essential parts-smoke dome, down draft shelf, damper, throat and firebox are scientifically designed and located. All you do is lay up brick around the fireplace unit and attach adequate size flue tile to dome top. You'll save time and material-make more money, too.
Cut layup time with the Heatilator FULL DOME DAMPER. Scientifically engineered Full Dome Damper includes smoke dome, down draft shelf, damper blade and adjustable lintel. Save time and material... provides a large firebox with straight sides and rear wall.
Heatilator Universal Dampers are engineered for fast economical installation on all open-sided masonry fireplaces.
Heatilator Dome Dampers provide proper throat design and close-tight damper control. Installation is fast, easy.
Ask your building material dealer or write us about FREE business cards printed with your name and address.
For complete information on Heatilator fireplaces that simplify work for today's mason, write YEGA INDUSTRIES, Inc., 24108 E. Brighton Avenue, Syracuse, New York 13205.
heatilator
America's leading fireplaces
What? Not Covered!
(Continued from page 25)
(6) Individuals engaged in the automobile business.
(7) The employer of the named individual.
(8) A partnership of which the individual is a partner.
C-Use of Other Automobiles- Broad Form
As above except also covers commercial automobiles used for business purposes, as defined.
UMBRELLA EXCESS LIABILITY
THE BASIC POLICY
The importance of Umbrella Excess Liability coverage, which may go under any one of several names depending on carrier, should be readily evident after reading the foregoing examples of loss not covered by other policies. In the majority of cases cited Umbrella will fill the gap, subject to the applicable self-insured retention.
Broad as they are, however, such contracts are still composed of insuring agreements, definitions and exclusions which will be highlighted here, since our purpose is to put the accent on the negative. Because there is no one standard form as such, we shall deal with a composite of those policies most commonly in use, stressing the need to review carefully any provisions which may differ from those described.
THE INSURING AGREEMENT
In very simple and broad terms such policies agree to indemnify the insured for all sums by reason of liability imposed by law or assumed under contract on account of "Personal injuries, including death at any time resulting therefrom or Property Damage or Advertising Liability caused by or arising out of each occurrence."
We shall treat it as a limitation here, since we have now established that the policy is not going to pay for anything other than a legal or assumed contractual obligation resulting in personal injury or property damage.
Example No. 1
Company A was sued by B, who complained that unfair competition was forcing him out of business. No coverage; there is no personal injury or property damage arising out of an "occurrence." Practical solution: None. This is intangible harm resulting from the normal course of business, theoretically expected and perhaps within the insured's ability to control.
Example No. 2
Company A was sued by the government on a count of price-fixing. No coverage; again, there is no personal injury or property damage.