PATHWAYS TO ADVENTURE (BAS FEDERATIONS) - 2008

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(- b. \I a claim is made or 'suit' ih ,'Ought against any insured, you must: (1) Immediately record the specifics of the claim or 'suit' and the date received; and (2) Notify us as soon as practicable. You must see to it that we receive written notice of the claim or 'suit' as soon as practicable. c. You and any other involved insured must: (1) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the cleim or 'suif; (2) Authorize us to obtain records and other in- formation; (3) Cooperate with us in the investigation or set- Uement of the claim or defense against the 'suif; and (4) Assist us, upon our request, in the enforce- ment of any right against any person or or- ganization which may be liable to the insured because of injury or damage to which this in- surance may also apply. d. No insured will, except at that insured's own cost, voluntarily make a payment, assume any obliga- tion, or incur any expense, other than for first aid, without our consent. 3. Legal Action Against Us No person or organization has a right under this Cov- erage Part: a. To join us as a party or otherwise bring us into a 'suit' asking for damages from an insured; or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured; but we will not be liable for damages that are not payable under tha terms of this Coverage Part or that are in excess of the ap- plicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the insured and the claimant or the clalm- anfs legal representative. 4. QUMwlnsurance If other valid and collectible insurance is available \0 the insured for a loss we cover under Cover- ages A or B of this Coverage Part, our obligations are limited as follows: a. Primary Insurance This insurance is primary except when b. below applies. If this insurance is primary, our obliga- tions are not affected unless any of the other in- surance is also primary. Then, we will share with all that other insurance by the method described In c. below. ,""~'." b. Excess InL.anc:e This insurance is excess over: (1) Any of the other insurance, whether primary, excess, contingent or on any other basis: (a) That is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for 'your work'; (b) That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner; (c) That is insurance purchased by you to cover your liability as a tenant for 'prop- erty damage' to premises rented to you or temporarily occupied by you with permis. sion of the owner; or (eI) If the loss arises out of the maintenance or use of aircraft, 'autos' or watercraft to the extent not subject to Exclusion g. of Section I - Coverage A - Bodily Injury And Property Damage Liability. (2) Any other primary insurance available \0 you covering liability for damages arising out of the premises or operations, or the products and completed operations, for which you have been added as an additional insured by at- tachment of an endorsement. When this insurance is excess, we will have no duty under Coverages A or B to defend the in- sured against any 'suit' if any other insurer has a duty \0 defend the insured against that 'suit'. If no other Insurer defends, we will undertake to do so, but we will be entiUed \0 the insured's rights against all those other insurers. When this insurance is excess over other insur- ance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (1) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (2) The total of all deductible and self~nsured amounts under all that other insurance. We will share the remaining loss, if any, with any other insurance that is not described in this Ex- cess Insurance provision and was not bought specifically to apply in excess of the Limits of In- surance shown in the Declarations of this Cover- age Part. c. Method 01 Sharing If all of the other insurance permits contribution by equal shares, we will follow this method also. Un- der this approach each insurer contributes equal amounts until it has paid its applicable limit of in- surance or none of the loss remains, whichever comes first. Page 10 0114 o ISO PraparlI... Inc., 2003 CGOO011204