VOLUNTEERS OF AMERICA LOS ANGELES (RAPID REHOUSING)

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4. Other Insurance (3) When this insurance is excess over other If other valid and collectible insurance is available insurance, we will pay only our share of the to the insured for a loss we cover under amount of the loss, if any, that exceeds the Coverages A or B of this Coverage Part, our sum of: obligations are limited as follows: (a) The total amount that all such other a. Primary Insurance insurance would pay for the loss in the This insurance is primary except when absence of this insurance; and Paragraph b. below applies. If this insurance is (b) The total of all deductible and self- primary, our obligations are not affected unless insured amounts under all that other any of the other insurance is also primary. insurance. Then, we will share with all that other (4) We will share the remaining loss, if any, insurance by the method described in with any other insurance that is not Paragraph c. below. described in this Excess Insurance b. Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance (1) This insurance is excess over: shown in the Declarations of this Coverage (a) Any of the other insurance, whether Part. primary, excess, contingent or on any c. Method Of Sharing other basis: If all of the other insurance permits contribution (') T hat is Fire, Extended Coverage," by equal shares, we will follow this method similar coverage for"your Builder's Risk, Installation Risk or also. Under this approach each insurer work"; contributes equal amounts until it has paid its (ii) That is Fire insurance for premises applicable limit of insurance or none of the loss rented to you or temporarily remains, whichever comes first. occupied by you with permission of If any of the other insurance does not permit the owner; contribution by equal shares, we will contribute (iii) That is insurance purchased by you by limits. Under this method, each insurer's to cover your liability as a tenant for share is based on the ratio of its applicable "property damage" to premises limit of insurance to the total applicable limits of rented to you or temporarily insurance of all insurers. occupied by you with permission of 6, Premium Audit the owner; or (iv) if the loss arises out of the a• We will compute all premiums for this maintenance or use of aircraft, Coverage Part in accordance with our rules "autos" or watercraft to the extent not and rates. subject to Exclusion g. of Section I — b. Premium shown in this Coverage Part as Coverage A — Bodily Injury And advance premium is a deposit premium only. Property Damage Liability. At the close of each audit period we will (b) Any other primary insurance available to compute the earned premium for that period you covering liability for damages and send notice to the first Named Insured. arisingout of the The due date for audit and retrospective premises or premiums is the date shown as the due date operations, or the products and on the bill. If the sum of the advance and audit completed operations, for which you have been added as an additional premiums paid for the policy y period is greater insured. than the earned premium, we will return the excess to the first Named Insured. no duty under Coverages A or IS to defend (2) When this insurance is excess, we will have c. The first Named Insured must keep records of the information we need for premium the insured against any "suit" if any other insurer has a duty to defend the insured computation, and send us copies at such times against that "suit". If no other insurer as we may request. defends, we will undertake to do so, but we 6. Representations will be entitled to the insured's rights By accepting this policy, you agree: against all those other insurers. a. The statements in the Declarations are accurate and complete; Page 12 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 0413