1152 EXPLORATION GEOPHYSICS 



possible in some cases to effect a saving by placing the coverages with com- 

 panies operating in one state only. This plan is satisfactory provided the 

 geophysical operations do not extend into other states. The standard form 

 of policy limits not only the kind, but the extent of operations as well. It is 

 therefore necessary that a policy be endorsed to cover all operations and 

 all states. For this reason it is advisable to place the coverage with a 

 company licensed to do business in the various states and countries where 

 geophysical operations are contemplated during the term of the policy. 



Caution must be taken to see that the coverage provided by the insurance 

 company does not conflict with state laws. Some states, termed "monopo- 

 listic" states, require that Compensation Insurance be furnished by the 

 respective state organizations, (State Funds, etc.) 



To protect himself the operator must carry the following types of 

 insurance : 



Compensation Insurance. — Workmen's Compensation insurance 

 covers the obligation imposed upon an employer, who is subject to the 

 "Worker's Compensation Law" of a State, Territory of the United States 

 and of the United States Longshoremen's and Harbor Workers' Com- 

 pensation Act (with respect to off-shore operations), to pay the benefits 

 prescribed by such law to his employee. 



The form of policy issued by the standard insurance companies also 

 provides Employer's Liability coverage, which protects the employer in 

 those cases where the Workmen's Compensation Law is not the sole 

 remedy at law of the employee. Appropriate state endorsements must be 

 attached if the field operations are outside the state in which the policy 

 is issued. In some states, individual policies are mandatory. 



It is unnecessary to provide coverage for any states before the field 

 operations are extended to them. However, an employee should never 

 be sent to another state until the policy has been checked to determine 

 if it covers operations in such state. 



Public Liability and Property Damage Insurance. — 1. Public 



Liability (generally written on the contractors form for geophysical opera- 

 tions) covers bodily injuries to or the death of others (except employees) 

 caused by or resulting from the ownership, maintenance or use by the 

 employer of property, or from the operations conducted by him on or 

 away from his premises. 



2. Property Damage Liability covers damage to or destruction of 

 property of others caused by or resulting from the ownership, main- 

 tenance or use by the employer of property, or from the operations con- 

 ducted by him on and away from his premises (property owned, leased, 

 rented, occupied or used by or in the care, custody or control of the 

 employer or any of his employees being excluded). 



Standard forms of policies are generally used when writing this 

 form of coverage. Endorsements broadening or limiting the coverage to 

 meet the assured's requirements should be made a part of the policy. If 



