DESMOND, MARCELLO & AMSTER 2-2006

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BUSINESS LIABILITY COVERAGE FORM If more than one limit of insurance under this (1) Immediately send us copies of any policy and any endorsements attached thereto demands, notices, summonses or applies to any claim or "suit", the most we will pay legal papers received in connection under this policy and the endorsements is the with the claim or "suit'; single highest limit of liability of all coverages applicable to such claim or "suit". However this (2) Authorize us to obtain records and , paragraph does not apply to the Medical Expenses other information; limit set forth in Paragraph 3. above. (3) Cooperate with us in the investigation, The Limits of Insurance of this Coverage Part apply settlement of the claim or defense " " separately to each consecutive annual period and to against the suit ; and any remaining period of less than 12 months, starting (4) Assist us, upon our request, in the with the innin of the lic beg g po y period shown in the enforcement of any right against any Declarations, unless the policy period is extended person or organization that may be after issuance for an additional period of less than 12 liable to the insured because of injury months. In that case, the additional period will be or damage to which this insurance deemed part of the last preceding period for purposes may also apply. of determining the Limits of Insurance. d. Obligations At The Insured's Own Cost E. LIABILITY AND MEDICAL EXPENSES No insured will, except at that insured's own GENERAL CONDITIONS cost, voluntarily make a payment, assume any obligation, or incur any expense, other 1. Bankruptcy than for first aid, without our consent. Bankruptcy or insolvency of the insured or of e. Additional Insured's Other Insurance the insured's estate will not relieve us of our If we cover a claim or "suit" under this obligations under this Coverage Part. Coverage Part that may also be covered 2. Duties In The Event Of Occurrence, by other insurance available to an Offense, Claim Or Suit additional insured, such additional insured a. Notice Of Occurrence Or Offense must submit such claim or "suit" to the You or any additional insured must see to other insurer for defense and indemnity. it that we are notified as soon as However, this provision does not apply to practicable of an "occurrence" or an the extent that you have agreed in a offense which may result in a claim. To written contract, written agreement or the extent possible, notice should include: permit that this insurance is primary and (1) How, when and where the "occurrence" non-contributory with the additional or offense took place; insured's own insurance. (2) The names and addresses of any f. Knowledge Of An Occurrence, Offense, injured persons and witnesses; and Claim Or Suit (3) The nature and location of any injury Paragraphs a. and b. apply to you or to or damage arising out of the any additional insured only when such " "occurrence" or offense occurrence", offense, claim or "suit" is . known to: b. Notice Of Claim (1) You or any additional insured that is If a claim is made or "suit" is brought an individual; against any insured, you or any additional insured must: (2) Any partner, if you or an additional insured is a partnership; (1) Immediately record the specifics of the " " (3) Any manager if you or an additional claim or suit and the date received; , insured is a limited liability com an and p y; (2) Notify us as soon as practicable. (4) Any "executive officer" or insurance You or any additional insured must see to manager, if you or an additional insured is a corporation; it that we receive a written notice of the claim or "suit" as soon as practicable. (5) Any trustee, if you or an additional insured is a trust; or c. Assistance And Cooperation Of The Insured (6) Any elected or appointed official, if you or an additional insured is a political You and any other involved insured must: subdivision or public entity. Form SS 00 08 04 05 Page 15 of 24