Anderson v. London Guarantee & Accident Co.

145 A. 431, 295 Pa. 368, 1929 Pa. LEXIS 673
CourtSupreme Court of Pennsylvania
DecidedJanuary 7, 1929
DocketAppeal, 115
StatusPublished
Cited by8 cases

This text of 145 A. 431 (Anderson v. London Guarantee & Accident Co.) is published on Counsel Stack Legal Research, covering Supreme Court of Pennsylvania primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Anderson v. London Guarantee & Accident Co., 145 A. 431, 295 Pa. 368, 1929 Pa. LEXIS 673 (Pa. 1929).

Opinion

Opinion by

Mr. Justice Sadler,

George Anderson, whose widow is plaintiff in the present proceeding, was killed by an explosion on August 25, 1924, while engaged in erecting a coal ship hoist at the plant of the Sunbury Converting Works for the Beaumont Company, his employer. With fellow servants of the latter he was at work some distance from a boiler recently put in place by another independent contractor, Badenhausen, which at the time had not however been fully tested nor accepted by the purchaser. On the S Rturday preceding the accident the work on it was com *370 pleted, and the two vents on the top clamped down so that trials conld be made as to its pressure capacity, and a preliminary test was then undertaken.. This work was done entirely by the manufacturer, the openings having been closed by his servants, and remaining in the same condition until the Monday following.

The Sunbury Converting Works, owner of the plant, made application for boiler insurance to the London Guarantee & Accident Company, one of the defendants in this proceeding. To determine whether a policy should be issued, the latter sent an agent, Simpkins, to pass upon the sufficiency of the completed boiler. Admittedly, he was an employee of the inspection department of the indemnity company, as shown by his business card offered in evidence, but it was denied that he “commanded, directed or controlled the test.” When he came upon the ground, the boiler was erected, and the openings on top had been closed. The only supervision exercised by him is shown by the following testimony: He “examined the bottom of the boiler, and got in between the boiler and then went on top,” where the coverings were in place, and there stood until the explosion occurred. Wynans, the foreman of Badenhausen, was in charge and gave the order to the workmen. He testified that the flange “was thoroughly tightened properly; that is, the bolts were made taut. Then I had the man [one of his employees] take and go round it three times before he tightened up entirely on it to be sure that all bolts were tightened down evenly.”

Simpkins, having gotten on top of the boiler, told the contractor’s employees to start the pump so that the hydrostatic test could be proceeded with, and this they did. The pressure required by the specifications was 311 pounds, but when it reached 255, the covering over the outlet on top broke, and was blown into the air. Anderson, working on an iron beam about eight feet from the boiler, and five feet higher, was thrown by the explosion from that position to the ground 30 or 40 feet below, and *371 death, resulted. The widow brought suit against Badenhausen, the manufacturer, and the insurance company jointly, contending the injury was caused by negligence in using a flange of insufficient thickness to cover the opening, from which the proper braces were missing, thus lessening its strength, and in failing to provide valves to remove trapped air within the boiler. The trial resulted in a nonsuit as to Badenhausen, one of the defendants, but as to the insurance company the evidence was submitted to the jury, and a verdict rendered for plaintiff on the theory that the test was made without the taking of adequate precautions by Simpkins to discover possible defects before permitting the application of pressure, for which lack of care his employer was liable.

Stress was first laid in the court below on the fact that employees of boiler insurance companies may make inspections under our Acts of Assembly, in lieu of persons selected by the State, with the resulting imposition of like duties and obligations: Act of May 2, 1905, P. L. 352 (section 19), amended by the Acts of July 12, 1919, P. L. 924; June 14, 1923, P. L. 751, and April 9, 1925, P. L. 251. The investigation here made was undertaken merely to determine the question of acceptance in a plant not yet completed, and the acts referred to are not controlling in the present case, as the court below decided in finally entering judgment for the defendant n. o. v. It properly held the rule of liability laid down in Durkin v. Kingston Coal Co., 171 Pa. 193, and D’Jorko v. Berwind-White Coal Mining Co., 231 Pa. 164, had no application. Nor is it material, as insisted by appellant, that the amending Act of April 9, 1925, supra, provides that a boiler inspector shall be treated as the employee of the one who hires him, since the declaration thus expressed is made only to indicate that but one annual permit fee shall be charged, though the insurance company has in service more than one inspector. We can therefore dismiss these acts as affecting in any way *372 tbe determination of the present ease, though the subject of spirited discussion in the court below, and a matter of comment in the paper books presented here by both parties.

The court below in entering judgment for defendant correctly stated the questions here involved in these words: “The decision in this case rests on the failure of the plaintiff to prove a neglect of duty by the defendant, London Guarantee & Accident Co., Ltd., or its employee, Simpkins.” The boiler had been erected by Badenhausen, and had not been accepted by the vendee. An application to insure had been made, and the defendant desired to know whether the specifications had been complied with by the manufacturer, and if the construction was of such character as to withstand the contemplated pressure before undertaking the risk. The duty of Simpkins was to find if the contractor had installed a machine which would withstand the resistance for which it was designed. When he arrived, the boiler was in the control of the manufacturer, and the openings had already been closed, with the alleged defective flange, and tightly fastened. The directions given by him were to the employees of Badenhausen to start the test, to learn whether the work contracted for was properly completed, so as to justify the making of an insurance contract, and nothing more.

One controlling the operation of a boiler is bound to make reasonable inspection to guard against explosions which may cause injury to his own employees, or even third parties. So, the manufacturer is liable where damage is suffered as a result of his negligence (Erie City Iron Works v. Barber & Co., 102 Pa. 156; Losee v. Clute, 51 N. Y. 494), or the owner may be when he has accepted it, and thereafter fails to make reasonable inspection to discover defects (McNeil & Brother Co. v. Crucible Steel Co., 207 Pa. 493), and this responsibility may be enforced against an insuring company: Van Winkle v. American Steam Boiler Co., 52 N. J. L. 240, 19 Atl. 472. *373 But the right of such an indemnitor to inspect does not impose upon it a duty to do so, though, if it sees fit to exercise the privilege, it becomes responsible for the negligence of those appointed to supervise (Hartford Steam Boiler Inspection & Ins. Co. v. Pabst Brewing Co., 201 Fed. 617), if it fails to put in charge competent individuals: Anderson v. Hays Mfg. Co., 207 Pa. 106. There is no evidence here that Simpkins was unfit to perform the duty delegated to him, which was merely to see if Badenhausen had supplied a boiler Avhich Avould withstand the specified pressure.

Where the duty of inspection has been imposed, and there is proven a failure to exercise due care, Avhich may be inferred from the circumstances (Dei v. Stratigos, 287 Pa.

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Bluebook (online)
145 A. 431, 295 Pa. 368, 1929 Pa. LEXIS 673, Counsel Stack Legal Research, https://law.counselstack.com/opinion/anderson-v-london-guarantee-accident-co-pa-1929.