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COMMON POLICY CONDITIONS All Coverage Parts Included In this policy are subject to the following conditions. A. Cancellation 1. The first Named Insured shown in the Declara- tions may cancel this policy by mailing: or de- livering to us advance written notice of cancel- lation. Z. We may cancel this policy by mailing or daliv- cringE to the first Named Insured written notice of cancellation at least; a. 10 days before the effective date of cancel- lation if we cancel for nonpayment of pre- mium; or b. 3. We will mail or deliver our rlotiee to the first Named Insuradrs fast maiting, address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. S. if this policy is cancelled, we will send the first Named Insured any premium refund due. It we cancel, the refund will be pro rate, if the first Named Insured cancels, the refund may be less thanpro rate. The cancellation will be ef- fective even if we have not made or offered a refund. 6- If notice Is matted, proof of mailing will be suf. ficient proof of notice. B, Changes This policy contains all the agreements between You and us concerning the Insurance afforded. The first Named: Insured shown in the Declara- tions is authorized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by endorsement Issued by us and made a part or this policy. C. Examination of Your Books And Records We may examine and audit your books and rec- ordc asthey relate to this policy at any time during the policy period and up to three years afterward.. D. Inspections And Surveys 1. We have the right to: a. Make Inspections and surveys at any time; IL 0017 11 IL 00 17 1198 b. Give you reports on the conditions we find; and c. Recommend changes. 2. We are not obligated to make any inspections, surveys, reports or recommendations and any such actions we do undertake relate only to in- surability and the premiums to be charged. We do not make safety Inspections.We do not un- dertake to perform the duty of any person or organization to provide for the health or safety of workers or the publfc. And we do not warrant that conditions: a. Are safe or healthful; or b. Comply with taws,. regulations, codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us, but also to any rating, advisory, rate service or similar organization which makes insurance inspections, surveys, reports or recommendations. 4. Paragraph 2.. of this condition does not apply to any Inspections, surveys, reportsor recom- mendations we may make relative to cortffica- tion,. under state or municipal statutes,. ordl, names or regulations, of boilers, pressure ves- sels or elevators. E. Premiums The first Named Insured shown in the Declara- tions: 1.. anresponsible for the payment of all premiums; 2. Will be the payee for any return premiums we Pay. F. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named in- sured. If you die, your rights and duties will be trans- ferred to your legal representative but only while acting within the scope of duties as your legal rep- resentative. Until your legal representative Is ap- pointed, anyone having proper temporary custody Of your property will have your rights and duties butonly with respect to that property,. Copyright, Insurance Services Office, Inc., 1998 Page 1 of 1 0