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FILE NAME Insurance Industry INS DATE 1948 Sept 9 DOC INS030 DOCUMENT DESCRIPTION Article from The National Underwriter - Sees Compensation Carriers Covering All Diseases 26 CASUALTY NATIONAL UNDERWRITER Sept 9,1448 Sees Compensation Carriers Covering All Diseases Ashley St. Clair counsel for Liberty Mutual told the insurance section of American Bar Assn that insurance companies are now giving serious consideration to offering employers protec- tion against all types of disease occupational or occupational contracted by employes while at work They may also decide to cover the employer's liability to an employe whose injurious exposure to disease occurs during the policy pe- riod but whose disability is delayed for several years after expiration of the policy Mr. would close St. the Clair said these moves two gaps in workmen's compensation policies He agreed that in order to do this the companies have to determine the additional hazard and premium which must be collected He stated that the collective experience of the last 20 years and the knowledge now available radiation of the risks and other to workers from obscure hazards make such evaluation possible Failure of private insurance to make available to employers complete pro- tection will lend weight to the argu- ments for government insurance which are constantly being advanced Mr. St. Clair said It has already been urged that private not fitted to insurance cannot and is assume the risk of under- writing a compensation program for workers exposed to radiation hazards He referred to the recent report by Schiff Terhune & Co. cult to get insurance that it against is difficertain types of losses from atomic explosions or the accidental release of dangerous radioactivity The insurance industry is studying these hazards and will no doubt in the future offer industry an adequate insurance program not agree with the persons He does who say that only the federal government can underwrite such hazards Short of war destruction private insurance has capacity and the ability to provide ter protection at less cost than the the betfed- eral government can Among other recent developments in the occupational disease field which em- phasize the need for broadening protec- intion Mr. St. Clair listed exposure to chromium over long periods resulting lung cancer and the respiratory ailments resulting from exposure to certain beryllium compounds As in the case of many other occupational diseases the onset is long delayed after exposure to these dangers Mr. St. Clair commented that in the case of research on diseases inherent in chromate plants it was significant that medical men from Metropolitan Life which on several carries group life policies such plants assisted the doctors retained by the industry in the study He termed it a natural development for the group life carrier the group disability carrier and the compensation insurer to work out cooperative research programs to benefit them- selves the industry and its workers He predicted that statistics prepared from Radiation Cases Not New the experience of life and disability Mr. St. Clair predicted that the in- use of atomic energy for Amer- creasing ican industry will bring diseases and hazards which are not yet appreciated However radiation injuries are new to compensation attorneys not but have been common in cases due to exposure to rays or radium rays companies will tional diseases disclose other occupawhich are now unsus- pected Mr. St. Clair termed it certain that the legislatures of a number of states will shortly give consideration to problems arising through the introduction of new materials and new chemical compounds causing new occupational diseases Undoubtedly members of the insurance bar will be called upon for advice by industry by the state labor departments and the legislatures and Truck Liais Set U The new the trucki committet Francisco lar to the with the i problems Insuran ern group Insurance A. Simps change I Markel I Glassick son Liber H. Zache Francisco Manufact W. A. Francisco Assn of Angeles fice of Warren Agents ] num Nor The w taken so will begi ing comr minimum other as they should receive full cooperation from counsel and their companies he tion that Report declared tee's obje Surety Assn Has Booklet Rodgers chair broadenin on Public Official Bonds erage def surance a First Downs Make Touchdowns The Surety Assn of America has issued a booklet on The Public Official and His Surety Bond which sets out the bond's purposes hazards etc. In a foreword Miner B. Phillips ex- ecutive director of the Municipal Fi- nance Offices Assn emphasizes the need of a thorough understanding by officials of their personal liabilities and responsibilities when in public office Public officers should be familiar with the nature and purposes of the bond and how it protects the public body which they serve national The rapid expansion of the national economy has been reflected in a corres- ponding growth of government whose functions have increased in number size and complexity the booklet notes _ Courses Start Sept. 13 and dedi loss data ance com lems crea ment ( clauses compensa applicatio haul safety sta F. & D. Offices Fidelity office in rection c assistant Mr. Ba troit by I company Every yard gained brings the goal line just that much closer In the Insurance field every policy sold builds the Agent's premium income That is why the HAWKEYESECURITY companies work closely with Agents HAWKEYE are geared to help Agents build sales Every department of these friendly operative companies knows its signals and speeds down the field clearing the gridiron for the Agent carrying the ball HAWKEYE CASUALTY Co. Fall semester courses of the Insur- ance Institute conducted by Fire Underwriters Assn of the Pacific start in San Francisco Sept. 13. sponsor is the extension division of University of California where the classes are held The division maintains a large building in the heart of the city's financial and insurance district to facilitate courses for those employed in that section The courses are general principles of insurance and suretyship fire engineer- advanced rating and underwriting tariff rules and rating inland marine loss adustments and office loss pro- cedure practical insurance accounting and casualty insurance II office re James F Zerzar Irving Insuranc Agency T. Warf afn of th zan's ar Listen sue It conferen first priz J. W. Van Horn Named at Oakland R. A. Van Horn has been appointed appointed superintendent of the fidelity and surety department of Hartford Accident at Oakland Calif He has been with the company since 1935 except for war service On his return he was assistant superintendent of the bonding department in Pacific Coast headquarters at San Francisco James special a nity for Francisc Joaquin Blue C The hold its Chemica Quisenb SECURITY : | FIRE INS Co. DES MOINES 7 IDWA William Tilton formerly in the automobile underwriting department of United Pacific at Seattle has joined the underwriting department of Gould & Gould Seattle general agency appointe by Geor Corroon worthwh mittee 1 ments of