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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. <br />THE <br />HARTFORD <br />B. CHANGES <br />This Policy contains all the agreements between you and us concerning the insurance afforded. The first Named <br />Insured shown in the Declarations is authorized to make changes in the terms of this Policy with our consent. This <br />Policy's terms can be amended or waived only by endorsement issued by us and made a part of this Policy. <br />C. CONCEALMENT, MISREPRESENTATION OR FRAUD <br />This Policy is void in any case of fraud by you as it relates to this Policy at any time. It is also void if you or any other <br />insured, at any time, intentionally conceal or misrepresent a material fact concerning: <br />1. This Policy; <br />2. The Covered Property; <br />3. Your interest in the Covered Property; or <br />4. A claim under this Policy. <br />D. EXAMINATION OF YOUR BOOKS AND RECORDS <br />We may examine and audit your books and records as they relate to the Policy at any time during the policy period <br />and up to three years afterward. <br />E. INSPECTIONS AND SURVEYS <br />1. We have the right but are not obligated to: <br />a. Make inspections and surveys at any time; <br />b. Give you reports on the conditions we find; and <br />c. Recommend changes. <br />2. Any inspections, surveys, reports or recommendations will relate only to insurability and the premiums to be <br />charged. We do not make safety inspections. We do not undertake to perform the duty of any person or <br />organization to provide for the health or safety of any person. We do not represent or warrant that conditions: <br />a. Are safe or healthful; or <br />b. Comply with laws, regulations, codes or standards. <br />3. This condition applies not only to us, but also to any rating, advisory, rate service or similar organization which <br />makes insurance inspections, surveys, reports or recommendations on our behalf. <br />F. INSURANCE UNDER TWO OR MORE COVERAGES <br />If two or more of this Policy's coverages apply to the same loss or damage, we will not pay more than the actual <br />amount of the loss or damage. <br />G. LIBERALIZATION <br />If we adopt any revision that would broaden the coverage under this Policy without additional premium within 45 days <br />prior to, or at any time during, the policy period, the broadened coverage will immediately apply to this Policy. <br />H. PREMIUMS <br />1. The first Named Insured shown in the Declarations: <br />a. Is responsible for the payment of all premiums; and <br />b. Will be the payee for any return premiums we pay. <br />2. The premium shown in the Declarations was computed based on rates in effect at the time the Policy was issued. <br />If applicable, on each renewal, continuation or anniversary of the effective date of th` " - -- ' " <br />premium in accordance with our rates and rules then in effect. <br />3. With our consent, you may continue this Policy in force by paying a continuation I <br />policy period. The premium must be: <br />Form SC 00 00 10 18 <br />© 2018, The Hartford <br />vyvco REVIEWED tEwEo ugenteranlwefo- <br />&graaav®er. <br />Risk Management Specialist <br />Of <br />(May include copyrighted material of Insurance Services Office, Inc., with its permission) <br />