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a. Prior to a loss to your Covered Property. <br />b. After a loss to your Covered Property only <br />if, at time of loss, that party is one of the <br />following: <br />(1) Someone insured by this insurance; <br />(2) A business firm: <br />(a) Owned or controlled by you; or <br />(b) That owns or controls you; or <br />(3) Your tenant. <br />You may also accept the usual bills of lading <br />or shipping receipts limiting the liability of <br />carriers. <br />This will not restrict your insurance. <br />Applicable to SECTION II — LIABILITY <br />Coverage: <br />If the insured has rights to recover all or part of <br />any payment we have made under this <br />Coverage Part, those rights are transferred to <br />us. The insured must do nothing after loss to <br />impair such rights. At our request, the insured <br />will bring "suit" or transfer those rights to us <br />and help us enforce them. <br />REVIEWED BY:!a <br />EUNICE HEREDIA (P F ) <br />V. <br />We waive any right of recovery we may have <br />against any person or organization with whom <br />you have a written contract, permit or <br />agreement to waive any rights of recovery <br />against such person or organization because <br />of payments we make for injury or damage <br />arising out of your ongoing operations or "your <br />work" done under a contract with that person <br />or organization and included in the "products - <br />completed operations hazard". <br />This condition does not apply to Medical <br />Expenses Coverage. <br />L. Transfer of Your Rights and Duties Under This <br />Policy <br />Your rights and duties under this policy may not be <br />transferred without our written consent except in <br />the case of death of an individual Named Insured. <br />If you die, your rights and duties will be transferred <br />to your legal representative but only while that <br />legal representative is acting within the scope of <br />their duties as your legal representative. Until your <br />legal representative is appointed, anyone with <br />proper temporary custody of your property will <br />have your rights and duties but only with respect <br />to that property. <br />391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 81 of 81 <br />