RICHARDS, WATSON & GERSHON, APC (3)

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Conditions Cancellation (2) you or your representative in pursuing a claim under this policy. (continued) 2. 60 days before the effective date of cancellation if we cancel for any other reason. B. All Policies In Effect For More Than 60 Days 1. If this policy has been in effect for more than 60 days, or is a renewal of a policy we issued, we may cancel this policy or any of its individual coverages only upon the occurrence, after the effective date of the policy, of one or more of the following: a. Nonpayment of premium, including payment due on a prior policy we issued and due during the current policy term covering the same risks. b. Discovery of fraud or material misrepresentation by: (1) any insured or his or her representative in obtaining this insurance; or (2) you or your representative in pursing a claim under this policy. C. A judgment by a court or an administrative tribunal that you have violated a California or Federal law, having as one of its necessary elements an act which materially increases any of the risks insured against. d. Discovery of willful or grossly negligent acts or omissions, or of any violations of state laws or regulations establishing safety standards, by you or your representative, which materially increase any of the risks insured against. e. Failure by you or your representative to implement reasonable loss control requirements, agreed to by you as a condition of policy issuance, or which were conditions precedent to our use of a particular rate or rating plan, if that failure materially increases any of the risks insured against. f. A determination by the Commissioner of Insurance that the: (1) loss of, or changes in, our reinsurance covering all or part of the risk would threaten our financial integrity or solvency; or (2) continuation of the policy coverage would place us in violation of California law or the laws of the state where we are domiciled or threaten our solvency. g. A change by you or your representative in the activities or property of the commercial or industrial enterprise, which results in a materially added, increased or changed risk, unless the added, increased or changed risk is included in the policy. 2. We will mail or deliver advance written notice of cancellation, stating the reason for cancellation and effective date of cancellation to the first named insured at the mailing address shown on the policy and to the producer of record at least: a. 20 days before the effective date of cancellation if we cancel for a reason listed in B. La. or b. above; or b. 60 days before the effective date of cancellation if we cancel for any other reason listed in paragraph B. 1. orz,N�F RiskMougementDMslcrn r' REVIEWED & APPROVED BY. x Ag�z AaN44 ®� Risk Management Specialist Policy Conditions California Mandatory — Cancellation And Nonrenewal Form 80-02-9717 (Rev. 9-15) Endorsement Page