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(4) Discovery of willful or grossly negligent acts or B. The following provision is added to the Cancellation omissions, or of any violations of state laws or Common Policy Condition: regulations establishing safety standards, by you 7. Residential Property or your representative, which materially increase any of the risks insured against. This provision applies to coverage on real property which is used predominantly for residential purposes (5) Failure by you or your representative to and consisting of not more than four dwelling units, implement reasonable loss control requirements, and to coverage on tenants' household personal agreed to by you as a condition of policy property in a residential unit, if such coverage is issuance, or which were conditions precedent to written under one of the following: our use of a particular rate or rating plan, if that failure materially increases any of the risks Commercial Property Coverage Part insured against. Farm Coverage Part — Farm Property — Farm (6) A determination by the Commissioner of Dwellings, Appurtenant Structures And Household Insurance that the: Personal Property Coverage Form (a) Loss of, or changes in, our reinsurance a. If such coverage has been in effect for 60 days or covering all or part of the risk would less, and is not a renewal of coverage we previously threaten our financial integrity or solvency; issued, we may cancel this coverage for any reason, or except as provided in b. and c. below. (b) Continuation of the policy coverage would: b. We may not cancel this policy solely because the first Named Insured has: (i) Place us in violation of California law (1) Accepted an offer of earthquake coverage; or or the laws of the state where we are domiciled; or (2) Cancelled or did not renew a policy issued by (ii) Threaten our solvency. the California Earthquake Authority (CEA) that included an earthquake policy premium (7) A change by you or your representative in the surcharge. activities or property of the commercial or However, we shall cancel this policy if the first industrial enterprise, which results in a materially added, increased or changed risk, Named Insured has accepted a new or renewal policy issued by the CEA that includes an unless the added, increased or changed risk is included in the policy. earthquake policy premium surcharge but fails to pay the earthquake policy premium surcharge b. We will mail or deliver advance written notice of authorized by the CEA. cancellation, stating the reason for cancellation, to the first Named Insured, at the mailing address c. We may not cancel such coverage solely because shown in the policy, and to the producer of record, corrosive soil conditions exist on the premises. This at least: restriction (c.) applies only if coverage is subject to one of the following, which exclude loss or damage (1) 10 days before the effective date of cancellation caused by or resulting from corrosive soil if we cancel for nonpayment of premium or conditions: discovery of fraud; or (1) Commercial Property Coverage Part — Causes (2) 30 days before the effective date of cancellation Of Loss — Special Form; or if we cancel for any other reason listed in Paragraph 3.a. (2) Farm Coverage Part — Causes Of Loss Form — Farm Property, Paragraph D. Covered Causes 5. If this policy is cancelled, we will send the first Of Loss — Special. Named Insured any premium refund due. The refund, if any, will be computed on a pro rata basis. However, the refund may be less than pro rata if we made a loan to you for the purpose of payment of premiums for this policy. The cancellation will be effective even if we have not made or offered a refund. Page 2 of 4 © Insurance Services Office,Inc.,2010 IL 02 70 08 11