Masonry Magazine September 1968 Page. 32
32
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 VEGA INDUSTRIES, Inc., 245, E. Brighton Avenue, Syracuse, New York 13206.
heatilator
America's leading fireplaces
What? Not Covered!
(Continued from page 30)
daughter's name to the Use of Other Automobiles endorsement might be considered at Company A's discretion.
Example No. 3
A clerical employee of Company A took his own private passenger car to make a delivery for his employer, during the course of which he had an accident resulting in bodily injury to the occupants of the second car and collision damage to his own vehicle. No coverage; this falls within the definition of a non-owned automobile and, while the employer (who is the named insured) is protected against bodily injury or property damage claims brought against company A by the other party, the employee-owner is totally unprotected under the corporate policy. He retains the primary obligation to see that his own automobile is adequately insured. Neither is protected against collision damage to the employee's car under the corporate policy. Here again, the employee-owner must purchase his own collision insurance.
Example No. 4
In identical circumstances, except that the employee was operating a company-leased automobile specifically insured by his employer, both the named insured and the employee benefit from the insurance afforded under the corporate policy. In this case, the employer-lessee's coverage extends automatically to any other person or organization responsible for use of such vehicle with their permission.
Example No. 5
Company A entered into a short term rental agreement to hire a truck for temporary use, whereupon one of their employees reported an accident resulting in bodily injury and property damage liability to the other party and collision damage to the truck itself. The suit named the lessor, Company A and the responsible employee as defendants. Company A and their employee are protected under the hired automobile definition. No coverage for the lessor and no coverage for collision damage in the absence of a specific request and endorsement affording such coverage. In this case, the automatic application of hired automobile insurance does not extend to the owner-lessor. Practical solution for the lessor: Purchase of automatic Excess Automobile Bodily Injury and Property Damage Liability insurance to protect their interest. Alternatively, advance notice to the lessee that he must be responsible for insurance naming the lessor and submission of such insurance prior to release of the vehicle.
Example No. 6
A law firm operating as a partnership was sued as a result of a private passenger car owned by one of the
masonry
September, 1968