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1. SECTION I — PROPERTY, if two or more of
<br />this coverage part's coverages apply to the
<br />same loss or damage, we will not pay more
<br />than the actual amount of the loss or damage.
<br />2. SECTION II — LIABILITY, it is our stated intent
<br />that the various Coverage Parts, forms,
<br />endorsements or policies issued to the named
<br />insured by us, or any company affiliated with
<br />us, do not provide any duplication or overlap
<br />of coverage for the same claim, "suit",
<br />"occurrence", offense, accident, "wrongful act"
<br />or loss. We will not pay more than the actual
<br />amount of the loss or damage.
<br />If this Coverage Part and any other Coverage
<br />Part, form, endorsement or policy issued to
<br />the named insured by us, or any company
<br />affiliated with us, apply to the same claim,
<br />"suit", occurrence, offense, accident, "wrongful
<br />act" or loss, the maximum Limit of Insurance
<br />under all such Coverage Parts, forms,
<br />endorsements or policies combined shall not
<br />exceed the highest applicable Limit of
<br />Insurance under any one Coverage Part, form,
<br />endorsement or policy.
<br />This condition does not apply to any Excess or
<br />Umbrella Policy issued by us specifically to
<br />apply as excess insurance over this policy.
<br />G. Liberalization
<br />If we adopt any revision that would broaden the
<br />coverage under this policy without additional
<br />premium within 45 days prior to or during the
<br />policy period, the broadened coverage will
<br />immediately apply to this policy.
<br />H. Other Insurance
<br />1. SECTION I — PROPERTY
<br />If there is other insurance covering the same
<br />loss or damage, we will pay only for the
<br />amount of covered loss or damage in excess
<br />of the amount due from that other insurance,
<br />whether you can collect on it or not. But, we
<br />will not pay more than the applicable Limit of
<br />Insurance of SECTION I — PROPERTY.
<br />2. SECTION II — LIABILITY
<br />If other valid and collectible insurance is
<br />available to the insured for a loss we cover
<br />under SECTION II — LIABILITY, our
<br />obligations are limited as follows:
<br />a. Primary Insurance
<br />This insurance is primary except when
<br />paragraph b. below applies. If this
<br />insurance is primary, our obligations are
<br />not affected unless any of the other
<br />insurance is also primary. Then, we will
<br />share with all that other insurance by the
<br />method described in paragraph c. below.
<br />However, if you agree in a written
<br />contract, written agreement, or written
<br />permit that the insurance provided to any
<br />person or organization included as an
<br />Additional Insured under this Coverage
<br />Part is primary and non-contributory, we
<br />will not seek contribution from any other
<br />insurance available to that Additional
<br />Insured which covers the Additional
<br />Insured as a Named Insured except:
<br />(1) For the sole negligence of the
<br />Additional Insured; or
<br />(2) When the Additional Insured is an
<br />Additional Insured under another
<br />liability policy.
<br />b. Excess Insurance
<br />This insurance is excess over:
<br />(1) Any of the other insurance, whether
<br />primary, excess, contingent or on any
<br />other basis:
<br />(a) That is Fire, Extended Coverage,
<br />Builder's Risk, Installation Risk or
<br />similar coverage for "your work";
<br />(b) That is Property Insurance for
<br />premises rented to you or
<br />temporarily occupied by you with
<br />permission of the owner;
<br />(c) That is insurance purchased by
<br />you to cover your liability as a
<br />tenant for "property damage" to
<br />premises rented to you or
<br />temporarily occupied by you with
<br />permission of the owner; or
<br />(d) If the loss arises out of the
<br />maintenance or use of aircraft,
<br />"autos" or watercraft to the extent
<br />not subject to SECTION II —
<br />LIABILITY, Exclusion g.
<br />Aircraft, Auto or Watercraft; and
<br />(2) Any other primary insurance available
<br />to you covering liability for damages
<br />arising out of the premises or
<br />operations, or the products and
<br />completed operations, for which you
<br />have been added as an additional
<br />insured by attachment of an
<br />endorsement.
<br />When this insurance is excess, we will
<br />have no duty under SECTION II —
<br />LIABILITY to defend the insured against
<br />any "suit" if any other insurer has a duty to
<br />defend the insured against that "suit". If no
<br />other insurer defends, we will undertake to
<br />do so, but we will be entitled to the
<br />391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 79 of 81
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