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COMMON POLICY CONDITIONS <br />All Coverage Parts included in this policy are subject to the following conditions: <br />A. CANCELLATION D. INSPECTIONS AND SURVEYS <br />1. The first Named Insured shown in the We have the right but are not obliged to: <br />Declarations may cancel this policy by mailing 1. Make inspections and surveys at any time; <br />or delivering to us advance written notice of 2. Give you reports on the conditions we find; <br />cancellation. and <br />2. We may cancel this policy by mailing or <br />delivering to the first Named Insured written <br />notice of cancellation at least <br />a. 10 days before the effective date of <br />cancellation if we cancel for nonpayment <br />of premium; or <br />b. 30 days before the effective date of <br />cancellation if we cancel for any other <br />B. <br />C. <br />reason. <br />3. We will mail or deliver our notice to the first <br />Named Insured-s last mailing address known <br />to us. <br />4. Notice of cancellation will state the effective <br />date of cancellation. The policy period will end <br />on that date. <br />5. If this policy is cancelled, we will send the first <br />Named Insured any premium refund due. If we <br />cancel, the refund will be pro rata. If the first <br />Named Insured cancels, the refund may be <br />less than pro rata. The cancellation will be <br />effective even if we have not made or offered a <br />refund. <br />6. If notice is mailed, proof of mailing will be <br />sufficient proof of notice. <br />CHANGES <br />This policy contains all the agreements between <br />you and us concerning the insurance afforded. The <br />first Named Insured shown in the Declarations is <br />authorized to make changes in the terms of this <br />policy with our consent. This policy-s terms can be <br />amended or waived only by endorsement issued by <br />us and made a part of this policy. <br />EXAMINATION OF YOUR BOOKS AND RECORDS <br />We may examine and audit your books and records <br />as they relate to this policy at any time during the <br />policy period and up to three years afterward. <br />E. <br />F. <br />3. Recommend changes. <br />Any inspections, surveys, reports or <br />recommendations relate only to insurability and <br />the premiums to be charged. We do not make <br />safety inspections. We do not undertake to <br />perform the duty of any person or organization to <br />provide for the health or safety of workers or the <br />public. And we do not warrant that conditions: <br />1. Are safe or healthful: or <br />2. Comply with laws, regulations, codes or <br />standards. <br />This condition applies not only to us, but also to <br />any rating, advisory, rate service or similar <br />organization which makes insurance inspections, <br />surveys, reports or recommendations. <br />PREMIUMS <br />The first Named Insured shown in the <br />Declarations: <br />1. Is responsible for the payment of all <br />premiums, and <br />2. Will be payee for any return premiums we pay. <br />TRANSFER OF YOUR RIGHTS AND DUTIES <br />UNDER THIS POLICY <br />Your rights and duties under this policy may not be <br />transferred without our written consent except in <br />the case of death of an individual Named Insured. <br />If you die, your rights and duties will be transferred <br />to your legal representative but only while acting <br />within the scope of duties as your legal <br />representative. Until your legal representative is <br />appointed, anyone having proper temporary <br />custody of your property will have your rights and <br />duties but only with respect to that property. <br />In Witness Whereof, we have caused this policy to be executed and attested, and, if required by state law, this policy <br />shall not be valid unless countersigned by our authorized representative. <br />Emily B. Miner, Secretary <br />Stanley A. Galanski, President <br />NIC GL PJ (01-07) Includes copyrighted material of Insurance Services Office, Inc., with its premission. <br />Copyright, Insurance Services Office, Inc., 1982, 1983 <br />HORaN <br />} z <br />a <br />Risk ManagzmentDMsian <br />REVIEWED & APPROVED SY.- <br />p Z W&Wd <br />Risk Management Analyst <br />