P-II.C · Classes of Property Insurance
Liability, workers' compensation, common carrier and boiler classes
Liability (Section 108(a)): loss from liability for injury, fatal or nonfatal, to any natural person, and for damage to the property of others. It expressly leaves out workers' compensation, common carrier liability, boiler and machinery, and team and vehicle insurance, each of which is its own class.
Section 108(c): insurance covering an insured's own injuries caused by the tort of an uninsured third party is liability insurance, even though it pays the insured directly. Section 108(e) says the disability insurance provisions do not apply to insurance defined in Section 108.
Workers' compensation (Section 109): liability imposed by law on employers to compensate employees for injury arising out of and in the course of employment, irrespective of negligence or the fault of either party.
Common carrier liability (Section 110): liability of a common carrier for accident or injury, fatal or nonfatal, to any person. It does not include liability or workers' compensation insurance.
Boiler and machinery (Section 111): both loss of property and liability for damage to persons or property from explosion of, or accident to, boilers, tanks, pipes, pressure vessels, engines, wheels, electrical machinery or connected apparatus. It combines first-party property loss and liability in one class.
Remember
· Liability class excludes WC, common carrier, boiler & machinery, team & vehicle.
· Injury from an uninsured third party's tort = liability class (§108(c)).
· WC = regardless of fault; boiler & machinery = property loss + liability.
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