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Attachment Code: D568038 Certificate ID: 16059509 <br />IL 02 70 08 11 <br />(4) Discovery of willful or grossly negligent <br />acts or omissions, or of any violations of <br />state laws or regulations establishing <br />safety standards, by you or your <br />representative, which materially increase <br />any of the risks insured against. <br />(5) Failure by you or your representative <br />to implement reasonable loss control <br />requirements, agreed to by you as a <br />condition of policy issuance, or which <br />were conditions precedent to our use of a <br />particular rate or rating plan, if that failure <br />materially increases any of the risks <br />insured against. <br />(6) A determination by the Commissioner <br />of Insurance that the: <br />(a) Loss of, or changes in, our reinsurance <br />covering all or part of the risk would <br />threaten our financial integrity or solvency; <br />or <br />(b) Continuation of the policy coverage <br />would: <br />(i) Place us in violation of California law or <br />the laws of the state where we are <br />domiciled; or <br />(ii) Threaten our solvency. <br />(7) A change by you or your <br />representative in the activities or property <br />of the commercial or industrial enterprise, <br />which results in a materially added, <br />increased or changed risk, unless the <br />added, increased or changed risk is <br />included in the policy. <br />b. We will mail or deliver advance written <br />notice of cancellation, stating the reason <br />for cancellation, to the first Named <br />Insured, at the mailing address shown in <br />the policy, and to the producer of record <br />at least: <br />(1) 10 days before the effective date of <br />cancellation if we cancel for nonpayment <br />of premium or discovery of fraud; or <br />(2) 30 days before the effective date of <br />cancellation if we cancel for any other <br />reason listed in Paragraph 3.a. <br />5. If this policy is cancelled, we will send the first <br />Named Insured any premium refund due. The <br />refund, if any, will be computed on a pro rata <br />basis. However, the refund may be less than pro <br />rata if we made a loan to you for the purpose of <br />payment of premiums for this policy. <br />The cancellation will be effective even if we have <br />not made or offered a refund. <br />B. The following provision is added to the <br />Cancellation Common Policy Condition: <br />7. Residential Property <br />This provision applies to coverage on real property <br />which is used predominantly for residential <br />purposes and consisting of not more than four <br />dwelling units, and to coverage on tenants' <br />household personal property in a residential unit, if <br />such coverage is written under one of the <br />following: <br />Commercial Property Coverage Part <br />Farm Coverage Part ---- Farm Property ---- Farm <br />Dwellings, Appurtenant Structures And Household <br />Personal Property Coverage Form <br />a. If such coverage has been in effect for <br />60 days or less, and is not a renewal of <br />coverage we previously issued, we may <br />cancel this coverage for any reason <br />except as provided in b. and c. below. <br />b. We may not cancel this policy solely <br />because the first Named Insured has: <br />(1) Accepted an offer of earthquake <br />coverage; or <br />(2) Cancelled or did not renew a policy <br />issued by the California Earthquake <br />Authority (CEA) that included an <br />earthquake policy premium surcharge. <br />However, we shall cancel this policy if the <br />first Named Insured has accepted a new <br />or renewal policy issued by the CEA that <br />includes an earthquake policy premium <br />surcharge but fails to pay the earthquake <br />policy premium surcharge authorized by <br />the CEA. <br />c. We may not cancel such coverage <br />solely because corrosive soil conditions <br />exist on the premises. This restriction (c.) <br />applies only if coverage is subject to one <br />of the following, which exclude loss or <br />damage caused by or resulting from <br />corrosive soil conditions: <br />(1) Commercial Property Coverage Part -- <br />Causes Of Loss —Special Form, or <br />(2) Farm Coverage Part — Causes Of <br />Loss Form — Farm Property, Paragraph D. <br />Covered Causes Of Loss — Special. <br />IL 02 70 08 11 © Insurance Services Office, Inc., 2010 <br />Rime Mattagmient DMsinn <br />REVIEWED&APPRDVEDBy., <br />'� Risk Management Analyst <br />