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1O~07-20{)3 10:18 AM . . . (c) That Is insurance purchased by you to Cover your liability as a tenant for "property damage" to premises rented to you or temporarily occupied by you with permission of the owner; or (d) If the loss arises out of the maintenance or use of eircrBft, "autos" or watercraft to the extent not sublect to Exclusion g. of Section 1- Coverage A - Bodily Injury And Property Damage liability. (2) Any other p1imary Insurance available to you covering liability for damages arising out of the premises or op- erations for which you have been added as an additional insured by allachment of an endDl5ement. When this insurance Is excess, we will have no duty under Coverages A or B to defend the insured against Bny "sutt" n any other insurer has a duty to defend the insured Bgalnstthal "sutt". If no other insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against all those other Insurers. WhBn this insurance is eXCeSS over other insurance, we will pay only our share of the amount of the loss, if any, that excBeds the sum of: (1) The total amount that all such other Insurance would pay for the loss in the absence of this insurance; and (2) The total of BII deductible and self-Insured Bmounts under all that other insurance. We will share the remaining loss, If any, with any other insurance that is not described in this Excess Insur- ance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the DeclarBtions of this Coverage Part. c. Method Of Sharing If all of thB other insurance permits contribution by equal shares, we will follow this method also. Under this BpproBch each insurer contributes equal amounts until it has paid its applicable Iimtt of Insurance or none of the loss remains, whichever comes first. If any of thB other Insurance does not permtt contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is basBd on the ratio of its applicable limtt of Insurance to the total appl~ cable limtts of insurance of BII insurers. 5. Premium Audit a. We will compute BII premiums for this Coverage Part In accordance with our rules Bnd rates. b. Premium shown in this Coverage Part as advance premium is a depostt premium only. At the close of each audtt period we will compute the earned premium for that period. Audtt premiums are due and payable on notice to the first Named Insured. If the sum of the advance and audtt premiums paid for the policy period is greater than the earned premium, we will retum the excess to the first Named Insured. c. The first NBmBd InsurBd must keep records of the information we neBd for premium computation, and send us copies at such times BS we may rBquesl. 6. Representations By accepting this policy, you agree: a. The statements in the Declarations arB Bccurate and complete; b. Those statements are based upon rBpresentatlons you made to us; and c. We have issued this policy in reliance upon your representations. 7. Separation Of Insureds Except with respect to the Limits of InsurBnce, and any rights or duties specifically assigned in this Coverage Part to the first Named Insured, this insurance Bpplies: a. As if Bach NamBd Insured werB the only Named Insured; and b. Separately to each insured against whom claim is made or "sutt" Is brought. 8. Transfer Of Rights Of Recovery Against Others To Us if the Insured has rights to recover all or PBrt of any payment we have made under this Coverage Part, those rights are trBnsferred to us. The insured must do nothing after loss to Impair them. At our rBquest, the insured will bring .suif' or transfer those rights to us and help us enforce them. 9. When We Do Not Renew If we decide not to renew this Coverage Part, we will mail or deliver to the first Named insured shown in the Declarations Written noticB of thB nonrBnBwal not less than 30 days before the expIration dale. If notice is mailed, proof of mailing will be sufficient proof of notice. ~. ~ " .~4 '> ~ i COMMERCIAL GENERAL LIABIUTY Copyright, Insurance Services Office, Inc., 1997 CG 00 01 01 88