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QUICKREFERENCE-SPECTRUMPOLICY <br />DECLARATIONS <br />and <br />COMMONPOLICYCONDITIONS <br />I.DECLARATIONS <br />NamedInsuredandMailingAddress <br />PolicyPeriod <br />DescriptionandBusinessLocation <br />CoveragesandLimitsofInsurance <br />BeginningonPage <br />II.COMMONPOLICYCONDITIONS <br />A.Cancellation1 <br />B.Changes1 <br />C.Concealment,MisrepresentationOrFraud2 <br />D.ExaminationOfYourBooksAndRecords2 <br />E.InspectionsAndSurveys2 <br />F.InsuranceUnderTwoOrMoreCoverages2 <br />G.Liberalization2 <br />H.OtherInsurance-PropertyCoverage2 <br />I.Premiums2 <br />J.TransferOfRightsOfRecoveryAgainstOthersToUs2 <br />K.TransferOfYourRightsAndDutiesUnderThisPolicy3 <br />L.PremiumAudit3 <br /> <br />FormSS00051008 <br /> <br />