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a. Prior to a loss to your Covered <br />Property. <br />b. After a loss to your Covered Property <br />only if, at time of loss, that party is <br />one of the following: <br />(1) Someone insured by this <br />insurance; <br />(2) A business firm: <br />(a) Owned or controlled by you; <br />or <br />(b) That owns or controls you; or <br />(3) Your tenant. <br />You may also accept the usual bills of <br />lading or shipping receipts limiting the <br />liability of carriers. <br />This will not restrict your insurance. <br />2. Applicable to SECTION II - LIABILITY <br />Coverage: <br />If the insured has rights to recover all or <br />part of any payment we have made <br />under this Coverage Part, those rights <br />are transferred to us. The insured must <br />do nothing after loss to impair such <br />rights. At our request, the insured will <br />bring "suit" or transfer those rights to us <br />and help us enforce them. <br />aA§,,s Hanover <br />Insurance Croup- <br />OB3 9898815 1001051 <br />We waive any right of recovery we may <br />have against any person or <br />organization with whom you have a <br />written contract, permit or agreement <br />to waive any rights of recovery against <br />such person or organization because of <br />payments we make for injury or <br />damage arising out of your ongoing <br />operations or "your work' done under a <br />contract with that person or <br />organization and included in the <br />"products -completed operations <br />hazard". <br />This condition does not apply to <br />Medical Expenses Coverage. <br />L. Transfer of Your Rights and Duties Under <br />This Policy <br />Your rights and duties under this policy <br />may not be transferred without our written <br />consent except in the case of death of an <br />individual Named Insured. If you die, your <br />rights and duties will be transferred to your <br />legal representative but only while that <br />legal representative is acting within the <br />scope of their duties as your legal <br />representative. Until your legal <br />representative is appointed, anyone with <br />proper temporary custody of your property <br />will have your rights and duties but only <br />with respect to that property. <br />REVIEWED & APPROVED <br />By RISk MANAGEMENT DIVISION <br />J L 2 3 2020 <br />FI<A�Hi <br />391-1003 08 16 Includes copyrighted material of Insurance services Office, Inc.. with its permission. Page 81 of 81 <br />