Masonry Magazine July 1968 Page. 28
Here's a
Strong - Portable -
Reliable - and
Inexpensive answer
For Your
Hoisting Needs
wyco
LAD-E-VATOR
Lifts up to 1250 lbs. 80
ft. high; pulls behind any
car or truck; sets up in
less than 10 minutes;
completely automatic.
For full information,
write for the all
new catalog
WL-67
LAD-E-VATOR
Division of
Wyco Tool Co.
P. O. Box 306
Des Plaines, III.
28
What? Not Covered!
(Continued from page 27)
with A. No coverage; this is not an incidental contract of the kind automatically covered under the policy. Practical solution: Purchase of Blanket Contractual Liability Insurance by endorsement; Umbrella should cover, subject to the self-insured retention.
Example No. 2
A country club purchased a small truck with the intention of taking it off premises only rarely when necessary to pick up supplies, then an employee struck a pedestrian while on such an errand. No coverage; the truck falls within the definition of an automobile, therefore excluded in the Comprehensive General Liability policy form. Practical solution: Covered under Automobile policy.
Example No. 3
Company A utilized a small boat away from their own premises, resulting in a claim for property damage. No coverage; watercraft operation is a standard exclusion. Practical solution: Removal of the exclusion by endorsement; purchase of separate Protection and Indemnity coverage via a marine policy form; Umbrella may cover, subject to the self-insured retention.
Example No. 4
Company A's employee was injured in the course of employ, but through a technicality applicable in his state, elected to sue his employer at common law rather than settle for Workmen's Compensation benefits. No coverage; the employee injury exclusion is applicable. Practical solution: Covered automatically under Coverage B of the Workmen's Compensation policy; Umbrella may cover, subject to the self-insured retention.
Example No. 5
Company A leased one floor of a warehouse from B. A's employees negligently caused fire and smoke damage to the leased premises and other portions of the building, whereupon B's fire insurance company sought recovery from A via subrogation action. No coverage for the leased floor; this is damage to property leased to the insured. Practical solution: Purchase of Fire Legal Liability Insurance via endorsement; add Company A to B's fire policies; eliminate the subrogation clause from B's fire policies; Umbrella should cover, subject to the self-insured retention.
Example No. 6
A contractor's employees dropped a pre-cast concrete slab while hoisting it into place at the job site. No coverage; the slab was clearly in the insured's care, custody or control. Practical solution: Purchase of a separate Installation Floater policy covering such work; Umbrella may cover, subject to the self-insured retention. Total elimination of the exclusion is technically possible, though hardly a generally practical remedy. The Broad
(Continued on page 31)
masonry • July, 1968