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Apr.24. 2006 12:'1PM <br />5. Separation of Insureds <br />Except with respect to the Limits of Insurance, <br />and any rights or duties specifically assigned <br />in this policy to the first Named Insured, this <br />insurance applies <br />a. As if each Named Insured were the only <br />Named Insured; and <br />b. Separately to each insured against whom <br />claim is made or "suit" is brought. <br />6. Unintentional Failure To Disclose Hazards <br />It is agreed that based on our reliance on your <br />representations as to existing hazards, if <br />unintentionally you should fail to disclose all <br />such hazards at the inception dale of your <br />policy, we shall not deny any coverage under <br />this Coverage Part because of such failure <br />1a 7. Other Insurance - Primary Additional <br />Insured <br />If the written contract or agreement or permit <br />requires this insurance to be primary for any <br />person or organization with whom you agree to <br />include in WHO IS AN INSURED, this Other <br />Insurance Provision is applicable. <br />If other valid and collectible insurance is <br />available for a loss we cover under this <br />Business Liability Coverage Form, our <br />obligations are limited as follows <br />a. Primary Insurance <br />This Insurance is primary. We will not seek <br />contributions from other insurance <br />available to the person or organization <br />with whom you agree to include in WHO <br />IS AN INSURED, except when b. applies <br />b. Excess Insurance <br />This insurance is excess over any of the <br />other insurance whether primary, excess, <br />contingent or on any other basis. <br />(1) That is Fire, Extended Coverage, <br />Builder's Risk, Installation Risk or <br />similar coverage for "your work;" <br />(2) That is Fire, lightning or explosion <br />insurance for premises rented to you; <br />or temporarily occupied by you with <br />permissions of the owner; or <br />(3) If the loss arises out of the <br />maintenance or use of aircraft, "auto" <br />or watercraft to the extent not subject <br />to Exclusion g. of this Business <br />Liability Coverage Form (Section 1). <br />When this insurance is excess, we will <br />have no duty to defend any claim or <br />No.0445 P 4 <br />BUSINESS LIABILITY COVERAGE FORM <br />"suit" that any other insurer has a duty <br />to defend. If no other insurer defends, <br />we will undertake to do so, but we will <br />be entitled to the insured's rights <br />against all those other insurers <br />When this insurance is excess over <br />other insurance, we will pay only our <br />share of the amount of the loss, if any, <br />that exceeds the sum of <br />(1) The total amount that all such <br />other insurance would pay for the <br />loss in the absence of this <br />insurance, and <br />(2) The total of all deductible and self - <br />insured amounts under all that <br />other insurance. <br />We will share the remaining loss, If <br />any, with any other insurance that is <br />not described in this excess of the <br />Limits of Insurance shown in the <br />Declarations of this Coverage Part. <br />c. Method of Sharing <br />If all the other insurance permits <br />contribution by equal shares, we will <br />follow this method also. Under this <br />approach each insurer contributes equal <br />amounts until it has paid its applicable <br />limit of insurance or none of the loss <br />remains, whichever comes first. <br />If any or the other insurance does not <br />permit contribution by equal shares, <br />we will contribute by limits Under this <br />method, each Insurer's base on the <br />ratio of its applicable limits of <br />insurance of all insurer. <br />d. This provision provides such insurance <br />as is afforded under this policy, but only <br />with respect to your operations, 'your <br />work" or facilities owned or used by you <br />F. OPTIONAL COVERAGES <br />If listed or shown as applicable in the Declarations, <br />one or more of the following Optional Coverages also <br />apply. These coverages are subject to the terms and <br />conditions applicable to Business Liability Coverage <br />in this policy, except as provided below, <br />1. Additional Insured - Designated Person or <br />Organization <br />WHO IS AN INSURED under SECTION C. is <br />amended to induce as an insured the person <br />or organization shown in the Declarations, but <br />only with respect to liability arising out of your <br />operations or premises owned by or rented to <br />you <br />Form SS 00 08 10 86 Printed in U.S.A (NS) t .. Page 13 of 18 <br />Copyright, Hartford Fire Insurance Company, 1996 <br />