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FILE NAME State of the Art Literature SAL DATE 1932 Dec DOC SAL015 DOCUMENT DESCRIPTION Newspaper Article - Occupational Diseases Are Not Generally Understood Jez e e 5 . . ; 1 . ant : , ; ; Lt aad ! . : a . a . ' i H 28 CASUALTY Occupational Diseases Are Not Generally Understood we December 15 THE NATIONAL UNDERWRITER 5.193 vol Scrutinize Injury Awarda Where Insurance Is Factor Some Carriers Now Permi More Cases to Go to T HAZARDS SHOULD BE STUDIED ~e Increase of Problem and New Plan of National Council Demand Better Field Knowledge se The growing seriousness of the occu- TaN pational disease problem in underwrit- ing workmen's compensation and filing the National Council on Compensa- S timp insurance of a schedule of called CCaappplpieldied weights in Michigan to be Capplied in other regulated states as ! > speedily as possible makes necessary Some understanding of the various dis- eases > which come under this classifica- sx . tion Curiously enough there a are many i underwriters who do not know a great deal about occupational diseases For instance sulicosis is recognized as one of the most hazardous of these ailments arising from industry it resulting from inhalation of dust in stone cutting proc- esses However it is not generally known that the wet method of stone grinding and polishing is actually more hazardous than the dry method Wet Rethed Mest Hazardous It is generally assumed that when water is used to retain the dust and keep it from Aying no other protection is needed An agency engineer and a home office underwriter recently passed such a risk upon the explanation it was a wet grinding process after ordering cancel- lation on the assumption that it was the dry method While inhalation of the dry particles especially over a long period is almost certain to cause some degree of silicosis nevertheless the lungs are able to expel many of these particles It is explained however that when a workman inhales the stone dust in a moist condition as it is thrown off to some degree in the grinding operation the particles more easily find permanent lodgment in the lungs It is evident from this illustra tion that it behoores underwriters to make a closer study of the nature of these diseases - Some of the more hazardous occupations involving occupational diseases on which the companies for some time have been refusing agencies the right to bind 08 issue policies even in emergency : cases are Rock excavation quarries e stone crushing hatters for manufactur ing hat manufacturing straw or cloth all operations excluding hatters for manufacturing fur manufacturing cleaning and dyeing rubber reclaiming rubber goods manufacturing rubber tire manufacturing wire insulation artificial , leather type foundries battery manufac storage airplane manufacturing cement manufacturing emery works stone cutting manufacturing and manufacturing polishing asbestos goods . C. asbes- tos goods manufacturing and weaving paint manufacturing lead man- ufacturing or white chemical and dyestuff rating plan acid manufacturing O. C. heavy medium light The companies have been requiring in such cases that a questionnaire form be executed with any information in the agency's possession and forwarded to the company for advices as to what re- quirements will be imposed Any processes involving asbestos are considered especially hazardous for the asbestos fibers appear to be difficult to expel from the lungs Sets Time Limiotn Claims NEW YORK Dec. As liquidator of the New Jersey Fidelity & Plate Glass of Newark Commissioner Kelly of New Jersey has formally notined that all claims against the defunct car- rier must be fled with him on or be- fore Dec. 31 1932 - PIERRE S. D Dec. Jury verdicts in cases where liability insurance is involved will be scrutinized with care by the South Dakota supreme court it was stated when the court re- duced from 12,000 to 7,000 an injury awaDr.d to T. J. Biggin of Sioux Falls BACKBONES ARE STIFFEN ~~ Seek to Eradicate Notion Settlemer Always Efected When Attorne Is Employed ey Holding that the 12,000 awarded by the Minnehaha county circuit court was excessive the court took cognizance of the fact that the jury was informed that the defendant C. R. Wagner carried liability insurance Lloyds of America Agency Men Now Hitting Stride Company The new Lloyds Insurance of New York formed by the consolidation of the Lloyds Casualty Constitution Indemnity and the Detroit Fi delity & Surety has been licensed in Illinois New York Pennsylvania Michigan and other states have also is- sued licenses The branch office of the Lloyds Casualty in Chicago will be the branch for the consolidated company The consolidated company shows assets of 12.391,440 loss reserve 4.920,935 premium reserve 2.620.233 contingent reserve 500,000 security depreciation reserve 1,164,433 capital 1,000,000 net surplus 1.500.000 presidents D. M. Maggin and Ralph J. Daly are in Chicago visiting the branch office and F. P. Stanley the new president and head of the agency department will be in the city after Jan. 1. The Lloyds Casualty peo- ple are out on the firing line visiting agents in various sections Mr. Stanley is in New York state this week Vice- president Franklin Vanderbilt is on an agency visit . Russell S. Chaloner has been ap- pointed manager of the casualty depart ment at Chicage and R. L. Gueydan who has been in charge of surety there for the Detroit Fidelity & Surety con tinues in that capacity with Lloyds T. J. McNally has resigned as manager of the office Mr. Chaloner's last connection was Chicago with the Royal Indemnity at He was manager there for five years for the Norwich Union Indemnity at Chicago and was connected with the Trav- elers there for seven years most of the time having the title of assistant manager He is a former president of the Insurance Club of Chicago Motion Was Dismissed Judge Harry M. Fisher of the circuit court at Chicago has denied the motion for the appointment of a receiver for the American Mutual Indemnity and held that the company had the right to colfect assessments from its policyholders A considerable part of the collections have already been made and the remainder is in progress Barred from California NEW YORK Dec. 14. vies the fact that so many automobile bility claims are coming through t days with attorneys lieps attache number of the large casualty comp have adopted the policy of permir more cases to go to trial than form These companies feel that the no should be eradicated that a settler can always be obtained when an a ney is employed There is a notice stiffening of the backbone on the of many companies and a dispos not to be gouged in unwarranted e merely because as attorney is i: ested . Some executives are watching policy anxiously Although many which are permitted to go to triat seem to be air tight as far as the panies are concerned in a few ) when the case comes to trial witn may have disappeared or have beer plainti proached by counsel for the induced to change their story The ture may change in a few years and plaintiff's case may seem stronger ecutives can appraise their hability some degree of accuracy when s ments are effected but they are not what the experience will be if a iz number of cases are permitted to 5 trial The results will not be know several years and in the mean time amount of liability is indeterminat Despite this uncertainty a numb executives feel that the comp sooner or later must adopt a more compromising attitude The comb attorneys who are preying upon i ance companies is growing all the and the fear is that if the comp continue to capitulate the evil wit crease by almost geometrical pro tions . Van Schaick Defends Powe Briefs have been filed in beha Superintendent Van Schaick of York in the case involving the rigi the department to assess fines ag insurance companies for violation the insurance law The case is b the New York court of appears or peal from the order of the app division voiding in part a determin of Superintendent Van Schaick an the now defunct New Jersey Fiden Plate Glass which in October a ago was fined 10.000 by the depart for violation of sections 141 and 1 in the writing of automobile polici Counsel for the New Jersey Fu & Plate Glass contends that a against the company should have turned over to the attorney suant law to section 3 of the public of According to legal notice appearing Dec. 13 in San Francisco papers signed by Commissioner Mitchell the Benja nun Franklin Bonding & Indemnity has no further authority to operate in Cali- fornia as the result of its failure to re- pair a de ciency of more in capital Following the fication by Mr. Mitchell the company officials than 190,000 original not60 days ago charged 31- Medical Feature Approver Virtually all states have now apr the medical reimbursement Re adopted by many of the personal tent and health companies At th cent gathering of insurance con sioners in New York City the st committee endorsed the pro rata ture of the reimbursement form tempted soncitation of a bribe of 0 000 | on the part of a department employe Lewis Louisville Claim Manager McManus Elected Director H. McManus general agent o Maryland Casualty at Hartford N. Lewis formerly with the cla m department of the Travelers in Milwau- many years has of the company been elected a dir kee has been appointed claim depart ment manager in Louisville succeeding W. A. Reedy who has been transferred Mrs. R. Swezey wife of the dent president of the Globe in Imity San Francisco med at Piede to St. Louis [ Cal Dec. 11 15llowing a long line