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18. "Suit" means a civil proceeding in which <br />damages because of "bodily injury", <br />"property damage", "personal and <br />advertising injury" to which this insurance <br />applies are alleged. "Suit" includes: <br />a. An arbitration proceeding in which <br />such damages are claimed and to <br />which the insured must submit or <br />does submit with our consent; or <br />b. Any other alternative dispute <br />resolution proceeding in which such <br />damages are claimed and to which <br />the insured submits with our consent. <br />19. "Temporary worker" means a person who <br />is furnished to you to substitute for a <br />permanent "employee" on leave or to <br />meet seasonal or short-term workload <br />conditions. <br />20. "Unmanned aircraft" means an aircraft <br />that is not: <br />a. Designed; <br />b. Manufactured; or <br />c. Modified after manufacture; <br />to be controlled directly by a person from <br />within or on the aircraft. <br />21."Volunteer worker" means a person who <br />is not your "employee", and who donates <br />his or her work and acts at the direction <br />of and within the scope of duties <br />determined by you, and is not paid a fee, <br />salary or other compensation by you or <br />anyone else for their work performed for <br />you. <br />22. "Your product": <br />a. Means: <br />(1) Any goods or products, other than <br />real property, manufactured, sold, <br />handled, distributed or disposed <br />of by: <br />(a) You; <br />(b) Others trading under your <br />name; or <br />(c) A person or organization <br />whose business or assets you <br />have acquired; and <br />(2) Containers (other than vehicles), <br />materials, parts or equipment <br />furnished in connection with such <br />goods or products. <br />b. Includes: <br />(1) Warranties or representations <br />made at any time with respect to <br />the fitness, quality, durability, <br />performance or use of "your <br />product"; and <br />The <br />4 Hanover <br />4Insurance Group- <br />ODFD785344 5701644 <br />(2) The providing of or failure to <br />provide warnings or instructions. <br />c. Does not include vending machines <br />or other property rented to or located <br />for the use of others but not sold. <br />23. "Your work": <br />a. Means: <br />(1) Work or operations performed by <br />you or on your behalf; and <br />(2) Materials, parts or equipment <br />furnished in connection with such <br />work or operations. <br />b. Includes: <br />(1) Warranties or representations <br />made at any time with respect to <br />the fitness, quality, durability, <br />performance or use of "your <br />work" and <br />(2) The providing of or failure to <br />provide warnings or instructions. <br />SECTION III - COMMON POLICY CONDITIONS <br />(APPLICABLE TO SECTION I - PROPERTY AND <br />SECTION II - LIABILITY) <br />A. Cancellation <br />1. The first Named Insured shown in the <br />Declarations may cancel this policy by <br />mailing or delivering to us advance <br />written notice of cancellation. <br />2. We may cancel this policy by mailing or <br />delivering to the first Named Insured <br />written notice of cancellation at least: <br />a. 5 days before the effective date of <br />cancellation if any one of the <br />following conditions exists at any <br />building that is Covered Property in <br />this policy: <br />(1) The building has been vacant or <br />unoccupied 60 or more <br />consecutive days. This does not <br />apply to: <br />(a) Seasonal unoccupancy; or <br />(b) Buildings in the course of <br />construction, renovation or <br />addition. <br />Buildings with 65% or more of <br />the rental units or floor area <br />vacant or unoccupied are <br />considered unoccupied under <br />this provision. <br />(2) After damage by a covered <br />cause of loss, permanent repairs <br />to the building: <br />(a) Have not started, and <br />(b) Have <br />within 30 <br />of loss. <br />391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permi <br />i2wEWmSAPPRQY®6Y: <br />A- ju Aawl- <br />Risk Management Spenalist <br />