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Transportation Studies, Inc.
<br />Policy# 0B3A11724804
<br />1. SECTION I - PROPERTY, if two or more of
<br />this coverage part's coverages apply to
<br />the same loss or damage, we will not pay
<br />more than the actual amount of the loss or
<br />damage.
<br />2. SECTION II - LIABILITY, it is our stated
<br />intent that the various Coverage Parts,
<br />forms, endorsements or policies issued to
<br />the named insured by us, or any company
<br />affiliated with us, do not provide any
<br />duplication or overlap of coverage for the
<br />same claim, "suit", "occurrence", offense,
<br />accident, "wrongful act" or loss. We will
<br />not pay more than the actual amount of
<br />the loss or damage.
<br />If this Coverage Part and any other
<br />Coverage Part, form, endorsement or
<br />policy issued to the named insured by us,
<br />or any company affiliated with us, apply to
<br />the same claim, "suit", occurrence,
<br />offense, accident, "wrongful act" or loss,
<br />the maximum Limit of Insurance under all
<br />such Coverage Parts, forms,
<br />endorsements or policies combined shall
<br />not exceed the highest applicable Limit of
<br />Insurance under any one Coverage Part,
<br />form, endorsement or policy.
<br />This condition does not apply to any
<br />Excess or Umbrella Policy issued by us
<br />specifically to apply as excess insurance
<br />over this policy.
<br />G. Liberalization
<br />If we adopt any revision that would broaden
<br />the coverage under this policy without
<br />additional premium within 45 days prior to or
<br />during the policy period, the broadened
<br />coverage will immediately apply to this policy.
<br />H. Other Insurance
<br />1. SECTION I - PROPERTY
<br />If there is other insurance covering the
<br />same loss or damage, we will pay only for
<br />the amount of covered loss or damage in
<br />excess of the amount due from that other
<br />insurance, whether you can collect on it or
<br />not. But, we will not pay more than the
<br />applicable Limit of Insurance of SECTION
<br />- PROPERTY.
<br />2. SECTION II - LIABILITY
<br />If other valid and collectible insurance is
<br />available to the insured for a loss we
<br />cover under SECTION II - LIABILITY, our
<br />obligations are limited as follows:
<br />a. Primary Insurance
<br />This insurance is primary except when
<br />paragraph b. below applies. If this
<br />insurance is primary, our obligations
<br />are not affected unless any of the
<br />other insurance is also primary. Then,
<br />we will share with all that other
<br />insurance by the method described in
<br />paragraph c. below.
<br />Hanover
<br />Insurance Group_
<br />063 A117248 1001384
<br />However, if you agree in a written
<br />contract, written agreement, or
<br />written permit that the insurance
<br />provided to any person or
<br />organization included as an
<br />Additional Insured under this
<br />Coverage Part is primary and
<br />non-contributory, we will not seek
<br />contribution from any other
<br />insurance available to that Additional
<br />Insured which covers the Additional
<br />Insured as a Named Insured except:
<br />(1) For the sole negligence of the
<br />Additional Insured; or
<br />(2) When the Additional Insured is
<br />an Additional Insured under
<br />another liability policy.
<br />b. Excess Insurance
<br />This insurance is excess over:
<br />(1) Any of the other insurance,
<br />whether primary, excess,
<br />contingent or on any other basis:
<br />(a) That is Fire, Extended
<br />Coverage, Builder's Risk,
<br />Installation Risk or similar
<br />coverage for "your work";
<br />(b) That is Property Insurance for
<br />premises rented to you or
<br />temporarily occupied by you
<br />with permission of the owner;
<br />(c) That is insurance purchased
<br />by you to cover your liability
<br />as a tenant for "property
<br />damage" to premises rented
<br />to you or temporarily
<br />occupied by you with
<br />permission of the owner; or
<br />(d) If the loss arises out of the
<br />maintenance or use of
<br />aircraft, "autos" or watercraft
<br />to the extent not subject to
<br />SECTION II - LIABILITY,
<br />Exclusion g. Aircraft, Auto or
<br />Watercraft; and
<br />(2) Any other primary insurance
<br />available to you covering liability
<br />for damages arising out of the
<br />premises or operations, or the
<br />products and completed
<br />operations, for which you have
<br />been added as an additional
<br />insured by attachment of an
<br />endorsement.
<br />When this insurance is excess, we
<br />will have no duty under SECTION II -
<br />LIABILITY to defend the insured
<br />against any "suit" if any other
<br />insurer has a duty to defend the
<br />insured against that "suit". If no other
<br />insurer defends, we will undertake to
<br />do so, but we will be entitled to the
<br />391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 79 of 81
<br />REVIEWED BY:EUNICE HEREDIA (PG fOF �)
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