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b. Authorize us to obtain records and other information; c. Cooperate with us in the investigation or settlement of the claim or defense against the suit; and d. Assist us, upon our request, in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. 4. No insured will, except at your own cost, voluntarily make a payment, assume any obligation, or incur any expense without our consent. Duty to Defend The Insurer will have the right and the duty to defend the insured against a claim to which this insurance applies. However, such duty to defend ends once the Limits of Insurance are exhausted or are tendered into a court of applicable jurisdiction, or once the insured refuses a settlement offer as provided in Paragraph 3., below. 2. The Insurer will have the right, but not the duty, to select legal counsel for the investigation, adjustment, and defense of any claim(s) covered under this Policy. 3. The Insurer will present all settlement offers to the insured. The Insurer will not settle without the consent of the insured. If the Insurer recommends a settlement which is acceptable to a claimant, which exceeds any applicable deductible, is within the Limits of Insurance, and the insured refuses to consent to such settlement offer, then the Insurer's duty to defend shall end. The Insurer's liability for claim(s) or supplementary payments shall not exceed the amount for which the claim could have been settled if the recommendation made by the Insurer had been accepted, exclusive of the deductible. Inspection With reasonable notice to the insured, the Insurer shall be permitted, but not obligated, to inspect the insured's premises, equipment, and/or operations. Neither the Insurer's right to make inspections nor the making thereof nor any report thereon shall constitute an undertaking, on behalf of or for the benefit of the insured or others, to determine or warrant that such property or operations are safe or in compliance with any applicable law, regulation or rule. Any recommendations or information provided is not intended as a substitute for advice from a safety expert or legal counsel you may retain for your own purposes. It is not intended to supplant any legal duty you may have to provide a safe premises, workplace, product or operation. Headings The descriptions in the headings and sub -headings of this policy are inserted solely for convenience and do not constitute any part of the terms or conditions hereof. IV. DEFINITIONS For the purpose of this endorsement the following definitions apply and any conflicting provisions of Section VI., DEFINITIONS, of the policy to which this endorsement is attached shall not control coverage afforded herein: A. Auto means a land motor vehicle, trailer or semi -trailer designed for travel on public roads, including any attached machinery or equipment. But auto does not include mobile equipment. B. Claim(s) means: 1. A request or a demand received by you or us for money or services, including the institution of suit, seeking damages arising from an act, error, or omission in the rendering or failure to render professional services; and 2. A request or a demand received by you or us for money or services, including the institution of suit, seeking damages that result from a mold condition arising from an act, error, or omission in the rendering or failure to render professional services. C. Coverage territory means: 1. The United States of America, its territories and possessions, and Puerto Rico; and 2. International waters or airspace, but only if the injury or damage occurs _ +*' ogn"Oe transportation between any places included in Item 1., above. 3 o ra��o� me A ijc,w44 ENV-1205 (03-14) Includes copyrighted material of Insurance Services Office, Inc. with its permission —�� rusk Management specialist