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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. <br />B.CHANGES <br />ThisPolicycontainsalltheagreementsbetweenyouandusconcerningtheinsuranceafforded.ThefirstNamed <br />InsuredshownintheDeclarationsisauthorizedtomakechangesinthetermsofthisPolicywithourconsent.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 />ThisPolicyisvoidinanycaseoffraudbyyouasitrelatestothisPolicyatanytime.Itisalsovoidifyouoranyother <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 />WemayexamineandaudityourbooksandrecordsastheyrelatetothePolicyatanytimeduringthepolicyperiod <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.Anyinspections,surveys,reportsorrecommendationswillrelateonlytoinsurabilityandthepremiumstobe <br />charged.Wedonotmakesafetyinspections.Wedonotundertaketoperformthedutyofanypersonor <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.Thisconditionappliesnotonlytous,butalsotoanyrating,advisory,rateserviceorsimilarorganizationwhich <br />makes insurance inspections, surveys, reports or recommendations on our behalf. <br />F.INSURANCE UNDER TWO OR MORE COVERAGES <br />IftwoormoreofthisPolicy'scoveragesapplytothesamelossordamage,wewillnotpaymorethantheactual <br />amount of the loss or damage. <br />G.LIBERALIZATION <br />IfweadoptanyrevisionthatwouldbroadenthecoverageunderthisPolicywithoutadditionalpremiumwithin45days <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.ThepremiumshownintheDeclarationswascomputedbasedonratesineffectatthetimethePolicywasissued. <br />Ifapplicable,oneachrenewal,continuationoranniversaryoftheeffectivedateofthisPolicy,wewillcomputethe <br />premium in accordance with our rates and rules then in effect. <br />3.Withourconsent,youmaycontinuethisPolicyinforcebypayingacontinuationpremiumforeachsuccessive <br />policy period. The premium must be: <br />Form SC 00 00 10 18Page2 of 3 <br />© 2018, The Hartford <br />(May include copyrighted material of Insurance Services Office, Inc., with its permission) <br /> <br />