E. M. Fuller to the Building Products Division on Contract Insurance Coverage (1949)

A three-page bulletin of June 27, 1949, from E. M. Fuller at Division Headquarters to all regional managers, salesmen and construction superintendents of the Construction Department of J-M's Building Products Division, describing the insurance the company carried for its contract installation work. It covers direct damage to materials and installed work, property damage, and public liability of $150,000 per person and $500,000 per accident, which it says covers injury to the public "and not to J-M employees." Workmen's compensation was carried through the Travelers Insurance Company, except in states with monopolistic state funds, and in Texas through the Texas Employers Insurance Company; J-M was not covered in Nevada or Wyoming.

In Johns-Manville's chronology

Johns-Manville's own chronology of what the company knew describes this document as follows:

E.M. Fuller (Division Headquarters) sends to All Regional Managers, etc. (6/27/49) a bulletin describing the insurance J-M carries for its contract operations - bodily injury, property damage, workers' compensation, etc. Travelers is J-M's workers' compensation carrier, except in Texas it is Texas Employers Insurance Company. In a workers' compensation case, six copies of the Employer's First Report of Injury (obtained from local officer of Travelers) are to be prepared. Two copies go to Travelers, one copy to J-M's Insurance Manager, one copy to the Department Headquarters, one copy to the file, and one copy to the appropriate state department. If a claim is for occupational disease, an extra copy is prepared and sent to J-M's General Attorney.

With respect to product liability claims, if a customer claims subsequent to an installation that insulation caused injury or damage, the claim is to be referred to J-M's Insurance Manager, General Headquarters, and to the Department Headquarters.

Editor's note: J-M's description sets out claim procedures (six copies of the Employer's First Report of Injury, an extra copy to the General Attorney for occupational disease claims, customer claims referred to the Insurance Manager). Those procedures are not in the three pages of this file, which may be incomplete.