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If any of the other insurance duwu not permit <br />contribution by equal shares, wawill contribute by <br />Insured will bring "owh"ortransfer those rights toum <br />and help uaenforce them <br />limits, Under this method, each insurer's share is <br />based on the ratio Of its applicable limitlimitof <br />' <br />b ` Waiver �� �U�hb� �� �*�nx�g/ /VV�ve' �� <br />� <br />insurance to the total applicable limits of insurance <br />�wbmmQa�i�n) <br />ofall Insurers, <br />If the insured has waived any rights of recovery <br />G' <br />Premium Audit <br />against any Panmn or organization for all or part of <br />Ve Will compute all premiums for this Coverage <br />ally payment, including Supplementary Payments, <br />wehave made under this Coverage Part, <br />Part inaccordance with our rules and rates, <br />n=also <br />waive that right, provided the insuredwaived their <br />b^ Premium shown in this Coverage part as advance <br />rights of recovery against such person or <br />premium is a deposit premium only. At the close of <br />organization in a contract, agreement orpermit that <br />each audit period We will compute the earned <br />was executed pMmrtmthe injury ordamage. <br />premiumLn for that period and send notice to the first <br />9. When We Do Not Renew <br />'^ <br />Named Insured. The due date for audit and <br />retrospective premiums is the date shown as the <br />If we decide not to renew this Coverage Part, we will <br />due date onthe b|U.Ifthe sum qfthe advance and <br />mail ordeliver t«the first Named Insured shown inthe <br />audit Annn|mm� paid for the policy period is greater <br />Declarations written notice of the nonrenewal not |oon <br />`+ <br />than the earned premium, wmwill return the excess <br />than 30days before the expiration date. <br />/N <br />tothe first Named Insured. <br />If »»t|oo is mmi|8d, proof of mailing will be sufficient <br />CN <br />o. The finstNamed }0munod must keep records nfthe <br />proof ofnotice. <br />SECTION <br />i� <br />Information we need for premiumoomputadoo. and <br />V-DEFI0/T|��NS <br />VIP <br />8. <br />send uscopies ��such tinnesoswemay request, <br />1, "Advertisement" means the Widespread public <br />Representations <br />dissemination of information or images that has the <br />Ln <br />a. When YouAccept This Policy <br />p of }nd«nimO the uo|e of Quoda, products or <br />8ymu8epUngthis policy, you oOmo` <br />services through: <br />� <br />-_- <br />�� The Oedo�b' <br />� onmon»aonuna� <br />' '�-- -'---- <br />a~(1) Radio; <br />and complete; <br />(2) Television; <br />CO Those statements <br />� aro based upon <br />Billboard; <br />' <br />representations you made to us; and <br />(4) Magazine; <br />(3) VVohave issued this policy ioreliance upon your <br />(5) Newspaper; or <br />representations. <br />b. Any other publication that is given widespread <br />b. Unintentional Failure To Disclose Hazards <br />public distribution, <br />gg—= <br />If unintentionally you should fail to diau|nne all <br />However, "mdvertisamoDf'does not include: <br />--- <br />hazards m|od|og to the conduct of you, business <br />m. The design, printed material, information or Images <br />exist at the inception date of this Coverage <br />contained In, on mruponth- <br />packaging or labeling <br />we shall not deny coverage under this <br />of any goods orproducts; n' <br />Coverage Part because ofsuch failure, <br />�ep��dion��|nmum*d� <br />h' An interactive conversation between or omonO7. <br />persons through oComputer network, <br />Except with respect tothe Limits VfInsurance, and any <br />2. "Advertising idea" means any Idea for an <br />rights or duties specifically assigned In this Coverage <br />'advertsement`. <br />Part tothe first Named Insured, this insurance applies: <br />3. "Asbestos hazard" means an exposure or threat of <br />a. Aaifeach Named Insured were the only Named <br />exposure to the aciwo| or alleged properties of <br />Insured; and <br />asbestos and includes the men* pnaaenom of asbestos <br />b. Separately to each Insured against whom claim is <br />|nany form, <br />made o/''auit''isbrought, <br />4. "Auto"means oland motor vehicle, trailer orsemitrailer <br />8, <br />Transfer Of Rights Of Recovery Against Others To <br />designed for travel on public voadx, including any <br />Us <br />attached machinery nrequipment. But "auto" does not <br />a. Transfer ufRights C`f Recovery <br />include "mobile aqu|pman1". <br />|/ the insured has rights to recover all or of any <br />"Bodily injury" means physical: <br />payment, including Supplementary poymento, we <br />o` Injury; <br />have made Linder this Coverage Pod, those rights <br />b. Sickness; or <br />are transferred to us. The insured must do nothing <br />c Disease <br />after }omo to impair them. At our request, the <br />' <br />sustained by a person and. if oheinQ out of the above. <br />mental anguish ordeath niany time. <br />HG00O1 <br />06O8 <br />Page 16 of 18 <br />