Masonry Magazine August 1968 Page. 30
What? Not Covered!
Example No. 7
An employer was contacted for information relating to the personal character and financial stability of an employee. The personnel department divulged opinions and information later claimed by the employee to be slanderous. No coverage; the endorsement covers claimed personal injury resulting from libel or slander, but excludes claims brought by employees. Practical solution: Removal of the employee exclusion for payment of a nominal additional premium. May be covered under Umbrella policy subject to the self-insured retention.
Example No. 8
A job applicant was refused employment after completion of application forms and a personal interview, whereupon a claim of racial or religious prejudice was filed. No coverage; racial or religious discrimination is not a standard defined personal injury hazard. Practical solution: May be covered under Umbrella policy, subject to the self-insured retention.
E-Fire Legal Liability
This endorsement extends the policy to include damage to rented property negligently damaged by the insured through fire but excludes:
(1) Owned property.
(2) Liability assumed by the insured under a contract or agreement.
(3) Liability beyond the specific fire legal liability limit stated in the endorsement.
F-Vendor's Liability-Limited Form
This extension protects a vendor of the named insured's products as an additional insured but excludes:
(1) Any sale, distribution or express warranty not authorized by the named insured.
(2) Injury or damage arising out of any act of the vendor which changes the condition of the product.
(3) Injury or damage caused by failure to maintain the product in saleable condition.
(4) Injury or damage because of the vendor's failure to service, test, adjust or inspect as agreed upon or as is normal business practice.
(5) Injury or damage arising out of products sold or distributed by the named insured after being used as an ingredient or container of something else by the vendor; after being labeled or re-labeled by the vendor.
(6) Injury or damage occurring on the vendor's premises.
(7) People from whom the named insured has acquired the product or ingredient.
G-Vendor's Liability-Broad Form
This extension protects a vendor of the named insured's products as an additional insured but excludes:
(1) Any express warranty not authorized by the named insured.
(2) Injury or damage arising out of a physical or chemical change in the form of the product made by the vendor intentionally.
(3) Repacking unless for examination and put into original container.
(4) Installation, service, repair or demonstration except in connection with sale of the product on vendor's premises.
(5) Injury or damage arising out of products sold or distributed by the named insured after being used as an ingredient or container of something else by the vendor; after being labeled or re-labeled by the vendor.
What? Not Covered! will be continued in next month's MASONRY. Areas to be covered in future months will be Comprehensive Automobile Liability, Umbrella Excess Liability, Reservation of Rights Letters, Claims in Excess of Policy Limits, Statutes of Limitations, Policy Limits, Late Reports of Accident and Punitive Damage. Be sure to keep your issues for future reference.