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COMMONPOLICYCONDITIONS <br />duefromthatotherinsurance,whetheryoucan <br />C.Concealment,MisrepresentationOrFraud <br />collectonitornot.Butwewillnotpaymorethan <br />Thispolicyisvoidinanycaseoffraudbyyouasit <br />theapplicableLimitofInsurance. <br />relatestothispolicyatanytime.Itisalsovoidif <br />youoranyotherinsured,atanytime,intentionally <br />I.Premiums <br />concealormisrepresentamaterialfactconcerning: <br />1.ThefirstNamedInsuredshowninthe <br />1.Thispolicy; <br />Declarations: <br />2.TheCoveredProperty; <br />a.Isresponsibleforthepaymentofall <br />premiums;and <br />3.YourinterestintheCoveredProperty;or <br />b.Willbethepayeeforanyreturnpremiums <br />4.Aclaimunderthispolicy. <br />wepay. <br />D.ExaminationOfYourBooksAndRecords <br />2.ThepremiumshownintheDeclarationswas <br />Wemayexamineandaudityourbooksandrecords <br />computedbasedonratesineffectatthetime <br />astheyrelatetothepolicyatanytimeduringthe <br />thepolicywasissued.Ifapplicable,oneach <br />policyperiodanduptothreeyearsafterward. <br />renewal,continuationoranniversaryofthe <br />E.InspectionsAndSurveyseffectivedateofthispolicy,wewillcomputethe <br />premiuminaccordancewithourratesandrules <br />1.Wehavetherightbutarenotobligatedto: <br />thenineffect. <br />a.Makeinspectionsandsurveysatanytime; <br />3.Withourconsent,youmaycontinuethispolicy <br />b.Giveyoureportsontheconditionswefind; <br />inforcebypayingacontinuationpremiumfor <br />and <br />eachsuccessiveone-yearperiod.Thepremium <br />mustbe: <br />c.Recommendchanges. <br />a.Paidtouspriortotheanniversarydate;and <br />2.Anyinspections,surveys,reportsor <br />recommendationswillrelateonlytoinsurability <br />b.DeterminedinaccordancewithParagraph <br />andthepremiumstobecharged.Wedonot <br />2.above. <br />makesafetyinspections.Wedonotundertake <br />Ourformsthenineffectwillapply.Ifyoudo <br />toperformthedutyofanypersonor <br />notpaythecontinuationpremium,thispolicy <br />organizationtoprovideforthehealthorsafety <br />willexpireonthefirstanniversarydatethatwe <br />ofanyperson.Wedonotrepresentorwarrant <br />havenotreceivedthepremium. <br />thatconditions: <br />4.Changesinexposuresorchangesinyour <br />a.Aresafeorhealthful;or <br />businessoperation,acquisitionoruseof <br />b.Complywithlaws,regulations,codesor <br />locationsthatarenotshownintheDeclarations <br />standards. <br />mayoccurduringthepolicyperiod.Ifso,we <br />mayrequireanadditionalpremium.That <br />3.Thisconditionappliesnotonlytous,butalsoto <br />premiumwillbedeterminedinaccordancewith <br />anyrating,advisory,rateserviceorsimilar <br />ourratesandrulesthenineffect. <br />organizationwhichmakesinsurance <br />inspections,surveys,reportsor <br />J.TransferOfRightsOfRecoveryAgainstOthers <br />recommendationsonourbehalf. <br />ToUs <br />F.InsuranceUnderTwoOrMoreCoverages <br />ApplicabletoPropertyCoverage: <br />Iftwoormoreofthispolicy'scoveragesapplytothe <br />Ifanypersonororganizationtoorforwhomwe <br />samelossordamage,wewillnotpaymorethanthe <br />makepaymentunderthispolicyhasrightsto <br />actualamountofthelossordamage. <br />recoverdamagesfromanother,thoserightsare <br />transferredtoustotheextentofourpayment.That <br />G.Liberalization <br />personororganizationmustdoeverything <br />Ifweadoptanyrevisionthatwouldbroadenthe <br />necessarytosecureourrightsandmustdonothing <br />coverageunderthispolicywithoutadditional <br />afterlosstoimpairthem.Butyoumaywaiveyour <br />premiumwithin45dayspriorto,oratanytime <br />rightsagainstanotherpartyinwriting: <br />during,thepolicyperiod,thebroadenedcoverage <br />1.PriortoalosstoyourCoveredProperty;or <br />willimmediatelyapplytothispolicy. <br />2.AfteralosstoyourCoveredPropertyonlyif,at <br />H.OtherInsurance-PropertyCoverage <br />timeofloss,thatpartyisoneofthefollowing: <br />Ifthereisotherinsurancecoveringthesamelossor <br />damage,wewillpayonlyfortheamountofcovered <br />lossordamageinexcessoftheamount <br /> <br />Page2of3FormSS00051008 <br /> <br />