Oct -21. 2010 4:42PM CLIFFORD&BRADFORD
<br />No. 1732 P. 4
<br />BUSINESS LIABILITY COVER,443E FORM
<br />VMMn this insurance Is excess over other
<br />insurance, vve w1ll pay only our share of
<br />the amount of the loss, If any, that
<br />exceeds the sum of.
<br />(1) The total amount that all such other
<br />lrtsurance would pay filrthe loss In the
<br />absence of this insurance-, and
<br />(2) The total of all deductible and self-
<br />Insured
<br />elfInsured amounts under all that other
<br />insufanre.
<br />We wilt share the rernahing loss, if any, with
<br />any other insurance that is not described In
<br />this Fxmms insurance provision and was not
<br />bought specifically to apply in excess of tho
<br />Urnks of Insurance shown in the
<br />Declarations of this Coverage pari.
<br />C. Method Of Sharing
<br />It' an the other insurance permits
<br />contribution by equal shares, we will follow
<br />this method also. under this approach,
<br />each Insurer contributes equal amounts
<br />until It has paid its applicable Itm11 of
<br />Insurance or none of the loss remains,
<br />whichever comes first.
<br />if any offhe other insurance does not permit
<br />contribution by equal shares, we will
<br />Contrtlwte by dmits. Under this rnat rod, each
<br />insurers shOre Is based on the ratio of as
<br />applicable Unit of insurance to the total
<br />applicable hafts of insurance of air insurers,
<br />6. Traesfer Of Rights Of Recovery Against
<br />Others To Us
<br />a. Transfer Of Rights Of Recovery
<br />If Ina Insured has rrglus to recover all or
<br />part . of any payment, IWAudir(I
<br />Supplementary Payments, we have ,nada
<br />under this Coverage Pert, those rights are
<br />transferred to us. The insured must do
<br />nothing after toss to Impair therm_ At our
<br />racpxast� the insured will bring 'cult" or
<br />IranSlea those rights to us and help us
<br />e %feree them, This condition does not
<br />Apply to Medical Expenses Coverage_
<br />b. Waiver Of Rights Of Recovery (Waiver
<br />Or subropatlon)
<br />If the insured hes waived any rights of
<br />raoovery against any person or
<br />orpanmVion for all or part of any payment.
<br />rncluding Supplementary Payments, we
<br />have made under this Coverage Part, we
<br />also waive that right, provided the assured
<br />such person or organization in a contract,
<br />agreement or permit that was executed
<br />prior to the injury or damage.
<br />Form S3 06 05 04 05 Page 17 of 24
<br />(8y when You Are Added As An
<br />•
<br />Addlitionat Insured To Other
<br />insurance
<br />That is other insurance available to
<br />you covering Irabilfty for damages
<br />arising out of the premises or
<br />operations, or products and completed
<br />operations, for which you heves beer
<br />added as an addlUarai Insured by that
<br />Insurance.; or
<br />(7) When You Add Others As An
<br />a,
<br />AdditlaaW Insured To Thi6
<br />o,
<br />as
<br />Insurance
<br />Qi
<br />That is other Insurance available to an
<br />additional insured.
<br />o
<br />Howaver, thea following pruvislons
<br />a
<br />apply to other Insurance evadable to
<br />any person or organization who is an
<br />Z
<br />additional dnsurod under this Covarage
<br />mart:
<br />>n
<br />(a) Primary Insurance When
<br />d
<br />Requined By contract
<br />This Insurance Is prtmary If you
<br />*
<br />have agreed In a written contract.
<br />written agreement or permit that
<br />this Irtsurance be primary. If other
<br />Insurance is also primsry, we will
<br />share with all that other insurance
<br />by the method described In c.
<br />t
<br />below.
<br />(b) Primary And Non -Contributory
<br />Ta Other Insurance When
<br />Requln9d By Contraat
<br />a
<br />If you have agreed In a written
<br />contract, written agreement or
<br />memo
<br />pentdt that this Insurance Is
<br />i
<br />primary and non-eonaibutory wlth
<br />the additional insured's own
<br />.._.�
<br />insurance, this insufance is
<br />prdttary and we will not seek
<br />contrlbutlon from that other
<br />insurance.
<br />Paragraphs (a) and (b) do not appy to
<br />other Insurance to which the additional
<br />sees
<br />Insured has been added as an
<br />additional Insured.
<br />WWhan this Insurance is axons, we will
<br />have no duty under this Coverage Pert to
<br />»tri
<br />defend the fissured against any `suic' if any
<br />f
<br />other Insurer has a duty to defend the
<br />Insured against that 'suit'. if no other
<br />Insurer dafands, ere win undertake to do
<br />ser,u we w e sure s
<br />d2ble against all those other insurers.
<br />No. 1732 P. 4
<br />BUSINESS LIABILITY COVER,443E FORM
<br />VMMn this insurance Is excess over other
<br />insurance, vve w1ll pay only our share of
<br />the amount of the loss, If any, that
<br />exceeds the sum of.
<br />(1) The total amount that all such other
<br />lrtsurance would pay filrthe loss In the
<br />absence of this insurance-, and
<br />(2) The total of all deductible and self-
<br />Insured
<br />elfInsured amounts under all that other
<br />insufanre.
<br />We wilt share the rernahing loss, if any, with
<br />any other insurance that is not described In
<br />this Fxmms insurance provision and was not
<br />bought specifically to apply in excess of tho
<br />Urnks of Insurance shown in the
<br />Declarations of this Coverage pari.
<br />C. Method Of Sharing
<br />It' an the other insurance permits
<br />contribution by equal shares, we will follow
<br />this method also. under this approach,
<br />each Insurer contributes equal amounts
<br />until It has paid its applicable Itm11 of
<br />Insurance or none of the loss remains,
<br />whichever comes first.
<br />if any offhe other insurance does not permit
<br />contribution by equal shares, we will
<br />Contrtlwte by dmits. Under this rnat rod, each
<br />insurers shOre Is based on the ratio of as
<br />applicable Unit of insurance to the total
<br />applicable hafts of insurance of air insurers,
<br />6. Traesfer Of Rights Of Recovery Against
<br />Others To Us
<br />a. Transfer Of Rights Of Recovery
<br />If Ina Insured has rrglus to recover all or
<br />part . of any payment, IWAudir(I
<br />Supplementary Payments, we have ,nada
<br />under this Coverage Pert, those rights are
<br />transferred to us. The insured must do
<br />nothing after toss to Impair therm_ At our
<br />racpxast� the insured will bring 'cult" or
<br />IranSlea those rights to us and help us
<br />e %feree them, This condition does not
<br />Apply to Medical Expenses Coverage_
<br />b. Waiver Of Rights Of Recovery (Waiver
<br />Or subropatlon)
<br />If the insured hes waived any rights of
<br />raoovery against any person or
<br />orpanmVion for all or part of any payment.
<br />rncluding Supplementary Payments, we
<br />have made under this Coverage Part, we
<br />also waive that right, provided the assured
<br />such person or organization in a contract,
<br />agreement or permit that was executed
<br />prior to the injury or damage.
<br />Form S3 06 05 04 05 Page 17 of 24
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