ROSENOW SPEVACEK GROUP INC. 8 - 2011

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BUS" SS LIABILITY COVERAGE FORM (6) When You Are Added As An When this insurance is excess over other Additional Insured To Other insurance, we will pay only our share of Insurance the amount of the loss, if any, that That is other Insurance available to exceeds the sum of you covering liability for damages (1) The total amount that all such other arising out of the premises or insurance would pay for the loss In the operations, or products and completed absence of this insurance; and operations, for which you have been (2) The total of all deductible and self- added as an additional insured by that insured amounts under all that other insurance; or insurance. (7) When You Add Others As An will share the remaining loss, if any, with Additional Insured To This an any other insurance that is not described in cam'- Insurance this Excess Insurance provision and was not o That is other insurance available to an bought specifically to apply in excess of the additional insured- Limits of Insurance shown in the o However, the following provisions Declarations of this Coverage Part o apply to other insurance available to c. Method Of Sharing any person or organization who is an If all the other insurance permits additional insured under this Coverage contribution by equal shares, we will follow Part: this method also. Under this approach, cry- (a) Primary Insurance When - each insurer contributes equal amounts o Required By Contract until it has paid its applicable limit of This insurance is primary if you insurance or none of the loss remains, have agreed in a written contract, whichever comes first- = written agreement or permit that If any of the other insurance does not permit this insurance be primary. If other contribution by equal shares, we will insurance is also primary, we will contribute by limits- Under this method, each share with all that other insurance insurer's share is based on the ratio of its by the method described in c. applicable limit of insurance to the total below, applicable limits of insurance of all insurers. (b) Primary And Non-Contributory 8. Transfer Of Rights Of Recovery Against To Other Insurance When Others To Us Required By Contract a. Transfer Of Rights Of Recovery - If you have agreed in a written If the insured has rights to recover all or contract, written agreement or part of any payment, including permit that this insurance is Supplementary Payments, we have made primary and non-contributory with under this Coverage Part, those rights are the additional insured's own transferred to us. The insured must do = insurance, this insurance is nothing after loss to impair them. At our primary and we will not seek request, the insured will bring "suit" or contribution from that other transfer those rights to us and help us insurance- enforce them. This condition does not Paragraphs (a) and (b) do not apply to ? ply to Medical Expenses Coverage. other insurance to which the additional ? j b_ aiver Of Rights Of Recovery (Waiver insured has been added as an Subrogation) additional insured. ? When this insurance is excess we will If the insured has waived any rights of , have no duty under this Coverage Part to recovery against any person or defend the insured against any "suit" if any organization for all or part of any payment, other insurer has a duty to defend the including Supplementary Payments, we insured against that "suit"_ If no other have made under this Coverage Part, we insurer defends we will undertake to do also waive that right, provided the insured , so, but we will be entitled to the insured's waived thei r rights recovery against rights against all those other insurers. such person organization in a contract, agreement or permit that was executed or prior to the injury or damage. Form SS 00 08 04 05 Paoe 17 of 24