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UH3 A664942 07 1001631 <br />(2) 60 days before the effective date of <br />cancellation if we cancel for any other <br />reason. <br />c. We will mail our notice to the first Named <br />Insured's last mailing address known to <br />us. <br />d. Notice of cancellation will state the <br />effective date of cancellation. The policy <br />period will end on that date. <br />e. If this policy is canceled, we will send the <br />first Named Insured any premium refund <br />due. If we cancel, the refund will be pro <br />rata. <br />f. If we decide not to renew, we will mail to <br />the first Named Insured written notice of <br />non -renewal not less than sixty (60) days <br />before the expiration date. <br />g. Proof of mailing will be sufficient proof of <br />notice. <br />4. Changes <br />This policy contains all the agreements <br />between you and us concerning the insurance <br />afforded. The first Named Insured is <br />authorized to make changes with our consent. <br />This policy's terms can be amended or waived <br />only by endorsement issued by us or made a <br />part of this policy. <br />5. Currency <br />All payments or reimbursements we make for <br />damages because of judgments or <br />settlements will be made in United States <br />currency at the prevailing exchange rate at the <br />time the insured became legally obligated to <br />pay such sums. <br />6. Duties in the Event of "Occurrence", <br />Offense, Claim or "Suit" <br />a. You must see to it that we are notified as <br />soon as practicable of any "occurrence" or <br />offense to which this insurance may apply. <br />Notice should include: <br />(1) How, when and where the <br />"occurrence" or offense took place; <br />(2) The names and addresses of any <br />injured persons and witnesses; and <br />(3) The nature of any injury or damage <br />arising out of the "occurrence" or <br />offense. <br />b. You will cooperate with the "underlying <br />insurer" as required by the terms of their <br />policies and comply with all terms and <br />conditions of those policies. <br />insurance may apply, you must see to it <br />that we receive written notice of the claim <br />or "suit" as soon as practicable. <br />d. You and any other involved insured must: <br />(1) Send us copies as soon as practicable <br />of any demands, notices, summonses <br />or legal papers received in connection <br />with the claim or "suit" to which this <br />insurance may apply; <br />(2) Authorize us to obtain records and <br />other information; <br />(3) Cooperate with us in the investigation, <br />settlement or defense of the claim or <br />"suit"; <br />(4) Assist us, upon our request, in the <br />enforcement of any right against any <br />person or organization which in our <br />opinion may be liable to an insured <br />because of injury or damage to which <br />this insurance applies; <br />(5) Notify us as soon as practicable of <br />any judgment or settlement of any <br />claim or "suit" brought against any <br />insured; and <br />(6) Not voluntarily make a payment, <br />assume any obligation or incur any <br />expense without our consent, except <br />at that insured's own cost. <br />7. Examination of Your Books and Records <br />We may examine and audit your books and <br />records as they relate to this policy at any time <br />during the policy period and up to three years <br />afterward. We have the right to make copies of <br />those books and records. <br />8. First Named Insured <br />The person or organization first named in Item <br />1. of the Declarations is responsible for the <br />payment of all premiums, the receiving of <br />return premiums, the receipt and acceptance <br />of this policy and any endorsements, and will <br />act on behalf of all other insureds for the <br />giving and receiving of notice of cancellation <br />or any other notice required under this policy <br />or by statute or regulation. <br />9. Inspections and Surveys <br />a. We have the right but not the duty to: <br />(1) Make inspections and surveys at any <br />time; <br />(2) Give you reports on the conditions we <br />find; and <br />(3) Recommend changes. <br />c. If a claim is made or "suit" is brought b. Any inspections. survevs. renorts or <br />against any insured to which this recommendations <br />Ride Division <br />475-0001 01 18 Includes copyrighted material of Insurance services Office, Inc., with its permissior ;% E o RE\AEwED&APPROVED BY. - <br />Copyright 2017 The Hanover Insurance Group, Inc. All Rights Reserved. S� <br />`�--'Risk Management Specialist <br />