The sun. [volume] (New York [N.Y.]) 1916-1920, 1918-10-06
LITTLE INSURANCE
TO COVER EXPLOSION
Only Special Policy Gives Rec
Ompense for Damage at
Morgan Plant.

Comparatively few properties were
covered by insurance from the damage
done yesterday by the explosions in
South Amboy. Insurance officials say
that in general the ordinary fire insur-
ance policy does not cover damage from
explosions. A special policy rs issued
for explosions, which in turn does not
cover damage from fire.
A great many people in New York
have taken out tho special bombardment
policy. but this does not cover the DAM
age from the South Amboy disaster.
To be properly covered. according to
insurance officials, persons living near
any munition or powder plant Should
take out both fire and explosion policies.
For policies covering against explosions
occurring on or Off the premises the spe-
cial class rates range from rs cents a
500 to $1.S7h a 500. dependent upon
the character OF the explosive and the
character Of the premises. The ordinary
fire insurance rates range from 10 to IL
cents a 800.
In the case OF explosion insurance so
per cent. Of the value of the property
must be insured. II 100 per cent. prop
erty value Is insured the rate 10 reduced
third. Explosion insurance also does
not cover bombardment, enemy attack,
strikes, &c. A special war risk insur-
ance covering all these things is issued
at rates according to zones. A man llv-
ing at an exposed ocean point would
have to pay 81 a hundred over and above
the ordinary rate owing to the danger
from sea attack
The four classes OF insurance created
al a result OF war conditions, the acts OF
spies or other enemy agents and other
new dangers. as defined by the insurance
companies. follow:
A. Explosion-A policy assuming all di-
rect loss or damage caused by explosion
(exciuding steam boiler pipe, engine, ma
chine or fly wheel explosions originating
within eaid apparatus, which EXPLOSIONS
may be covered only by casualty COM
panies).
b. Bombardment-A policy as above. in.
Guiding In addition damage caused by bonn
bardment. naval and or military, includ-
ing aerial craft (hostile or otherwise) and
bombs, shells and ! or missiles dropped or
thrown therefrom or discharged thereat,
by any OF the foregoing whether original
ing on the premises OF the insured or else
where. The condition as TO bombardment
is non-cancellable BY either party for a
period OF one hundred and ntty days.
c. Full War Coyer-A policy to cover
against all direct loss or damage caused
by
"a war:/C2) invasion; t3) insurrection;
90 riot; 90 civil war; co. civil commo-
ton. including strike; (1 military or
naval or military. including aerial craft
(hostile or otherwise), bombs. shells and
/or missiles dropped or thrown therefrom
explosion directly caused by any Of the
foregoing, whether originatfuN on the
premises or elsewhere; l0) explosion.
whether originating on premises OF the in
sured or elsewhere other than above de-
scribed Excluding FIRE resulting from such
explosion also subject to a one hundred
and nifty day cancellation clause.
ID, War risk excluding explosion--A
policy to cover all OF the hazards emu
merated In paragraph &C." with the omis-
sion of explosion. subject to a one hundred
and fifty day decentralization clause.
(Such policy would include causes Nos, /
to Q inclusive, and exclude No. l0.)