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, . b. . the covered property; c. your interest in the covered property; or d. a claim under this policy. 15. Examination of Your Books and Records. We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward. 16. Inspections and Surveys. We have the right but are not obligated to make inspections and surveys at any time, give you reports on the conditions we find and recommend changes. Any inspections, surveys, reports or recom- mendations relate only to insurability and the premiums to be charged. We do not: a. make safety inspections; b. undertake to perform the duty of any person or organization to provide for the health or safety of workers or the public; c. warrant that conditions are safe or healthful; or d. warrant that conditions comply with laws, regulations, codes or standards. This condition applies not only to us but also to any rating, advisory, rate service or similar organization which makes insurance inspec- tions, surveys, reports or recommendations. 17. LIberalization. If we adopt any revision that would broaden the coverage under this policy without additional premium within 45 days prior to or during the policy period, the broad- ened coverage will immediately apply to this policy. 18. Other Insurance. If loss covered by this pol- icy is also covered by other insurance written in your name, we will not pay for a greater proportion of the covered loss than this pol- icy's Limit of Insurance bears to the total amount of insurance covering such loss. 19. Premiums. You are responsible for the pay- ment of all premiums and will be the payee FE-8751 (10/92) (CONTINUED) for any return premiums. The premium$ shown in this policy were computed based on rates in effect at the time the policy was issued. 20. Transfer of Rights of Recovery Against Others to Us. If any person or organization to or for whom we make payment under this policy has rights to recover damages from another, those rights are transferred to us to the extent of our payment. That person or organization must do everything necessary to secure our rights and must do nothing after loss to impair them. You may waive your rights against another party in writing prior to a loss to your covered property. After a loss to your covered prop- erty, you may waive your rights against an- other party in writing only if, at the time of loss, that party is one of the following: a. someone covered by this insurance; b. a business firm owned or controlled by you; or c. a business firm that owns or controls you. You may also accept the usual bills of lading or shipping receipts limiting the liability of carriers without restricting your insurance. 21. Transfer of Your Rights and Duties Under This Policy. Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual Named Insured. If you die, your rights and duties will be trans- ferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal repre- sentative is appointed, anyone having proper tem porary custody of your property will have your rights and duties but only with respect to that property. 22. Conformity to State Law. When a provision of this policy is in conflict with the applicable law of the state in which this policy is issued, the law of the state will apply.