Masonry Magazine January 1967 Page.23
insurance for contractors
Coverage Check List
While by no means suggesting that one should necessarily buy all of the following basic coverages and extensions or that doing so will guarantee a good insurance program, it may be well to list here most of what is commonly available as a check list.
General Liability
1. Comprehensive Policy Form
2. Property Damage Liability
3. Elevator Liability
4. Independent Contractors Protective Liability
5. Contractual Liability-Blanket Coverage
6. Completed Operations-Products Liability
7. Limits Consistent with Automobile Liability
8. Occurrence Basis Bodily Injury
9. Occurrence Basis Property Damage
10. Property Damage-Explosion, Collapse or Underground Damage
11. Broad Form Property Damage Liability
12. Personal Injury Liability
13. Liquor Law Liability
14. Fire Legal Liability
15. Vendors Liability
16. Professional Liability
17. World-Wide Coverage
18. Watercraft Liability
19. Aircraft Liability
Automobile Liability
1. Comprehensive Policy Form
2. Occurrence Basis Bodily Injury
3. Occurrence Basis Property Damage
4. Medical Payments
5. Uninsured Motorists Coverage
6. Use of Other Automobiles Endorsement
7. Foreign Coverage
8. Limits Consistent with General Liability
Automobile Physical Damage
1. Fleet Automatic Coverage
2. Fire
Automobile Physical Damage (continued)
3. Theft
4. Combined Additional Coverage
5. Malicious Mischief and Vandalism
6. Comprehensive Coverage
7. Collision
8. Towing
9. Foreign Coverage
10. Leased Equipment Coverage
Workmen's Compensation and Employers' Liability
1. Increased Limits-Employers' Liability
2. All States Endorsement
3. Status of Executive Officers or Partners
4. Longshoremen's and Harbor Workers', Jones Act or Federal Employers' Liability Coverage
5. Additional Medical Coverage Endorsement
6. Separate Coverage as Required in Monopolistic Fund States
7. Status of Foreign Employees
Umbrella Excess Liability
1. Accurate Schedule of Underlying Primary Policies
2. Employee Benefit Liability Coverage
Contractors' Equipment Floater
1. "All-Risk" Perils
2. On Premises Coverage
3. Material in Transit
4. On Site Coverage
General
1. Complete and Accurate List of Insured Entities