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J. (4) Discovery of willful or grossly B. The following provision is added to the negligent acts or omissions, or Cancellation Common Policy Condition: of any violations of state laws 7. Residential Property or regulations establishing safe- This provision applies to coverage on ty standards, by you or your real property which is used predomi- representative, which materially nand for residential y purposes and increase any of the risks in- sisting of not more than four dwelling sured against. units, and to coverage on tenants' (5) Failure by you or your repre- household personal property in a resi- sentative to implement reason- dential unit, if such coverage is written able loss control requirements, under one of the following: agreed to by you as a condition Commercial Property Coverage Part of policy issuance, or which Farm Coverage Part -Farm Property - were conditions precedent to our use of a particular rate or Farm Dwellings, Appurtenant Structures rating plan, if that failure ma- And Household Personal Property Cov- terially increases any of the erage Form risks insured against. a. If such coverage has been in effect (6) A determination by the Com- for 60 days or less, and is not a missioner of Insurance that the: renewal of coverage we previously (a) Loss of, or changes in, our issued, we may cancel this cover - age for any reason, except as pro - reinsurance covering all or vided in b. and c. below. part of the risk would threaten our financial integ- b. We may not cancel this policy sole - rity or solvency; or ly because the first Named Insured has: (b) Continuation the policy coverage would: d: (1) Accepted an offer of earthquake (i) Place us in violation coverage; or California law or the e (2) Cancelled or did not renew a laws of the state where policy issued by the California we are domiciled; or Earthquake Authority (CEA) that included an earthquake policy (ii) Threaten our solvency. premium surcharge. (7) A change by you or your repre- However, we shall cancel this poli- sentative in the activities or cy if the first Named Insured has property of the commercial or accepted a new or renewal policy industrial enterprise, which re- issued by the CEA that includes an sults in a materially added, in- earthquake policy premium sur- creased or changed risk, unless charge but fails to pay the earth - the added, increased or quake policy premium surcharge changed risk is included in the authorized by the CEA. policy. We will mail or deliver advance c. We may not cancel such coverage solely because corrosive soil condi- written notice of cancellation, stat- tions exist on the premises. This ing the reason for cancellation, to restriction (c.) applies only if cov- the first Named Insured, at the erage is subject to one of the fol- mailing address shown in the poli- lowing, which exclude loss or dam - cy, and to the producer of record, at age caused by or resulting from least: corrosive soil conditions: (1) 10 days before the effective (1) Commercial Property Coverage date of cancellation if we can- Part - Causes Of Loss - Special cel for nonpayment of premium Form; or or discovery of fraud; or (2) Farm Coverage Part - Causes Of (2) 30 days before the effective Loss Form - Farm Property, date of cancellation if we can- - Paragraph D. Covered Causes cel for any other reason listed Of Loss - Special. in Paragraph 3.a. IL 02 70 09 12 © Insurance Services Office, Inc., 2012 Page 2 of 4