Laserfiche WebLink
B. <br />C. <br />19 <br />E. <br />outstanding for more than one <br />year following the date due, <br />except that this provision will not <br />apply where you are in a bona <br />fide dispute with the taxing <br />authority regarding payment of <br />such taxes. <br />b. 10 days before the effective date of <br />cancellation if we cancel for <br />nonpayment of premium. <br />c. 30 days before the effective date of <br />cancellation if we cancel for any other <br />reason. <br />3. We will mail or deliver our notice to the first <br />Named Insured's last mailing address <br />known to us. <br />4. Notice of cancellation will state the effective <br />date of cancellation. The policy period will <br />end on that date. <br />5. If this policy is cancelled, we will send the <br />first Named Insured any premium refund <br />due. If we cancel, the refund will be pro <br />rata. If the first Named Insured cancels, the <br />refund may be less than pro rata. The <br />cancellation will be effective even if we have <br />not made or offered a refund. <br />6. If notice is mailed, proof of mailing will be <br />sufficient proof of notice. <br />Changes <br />This policy contains all the agreements between <br />you and us concerning the insurance afforded. <br />The first Named Insured shown in the <br />Declarations is authorized to make changes in <br />the terms of this policy with our consent. This <br />policy's terms can be amended or waived only <br />by endorsement issued by us and made a part <br />of this policy. <br />Concealment, Misrepresentation or Fraud <br />This policy is void in any case of fraud by you <br />as It relates to this policy at any time. It is also <br />void if you or any other insured, at any time, <br />intentionally conceal or misrepresent a material <br />fact concerning; <br />1. This policy; <br />2. The Covered Property; <br />3. Your interest in the Covered Property; or <br />4. A claim under this policy. <br />Examination of Your Books and Records <br />We may examine and audit your books and <br />records as they relate to this policy at any time <br />during the policy period and up to three years <br />afterward. <br />Inspections and Surveys <br />1. We have the right to: <br />a. Make inspections and surveys at any <br />time; <br />b. Give you reports on the conditions we <br />find; and <br />c. Recommend changes. <br />2. We are not obligated to make any <br />inspections, surveys, reports or <br />recommendations and any such actions we <br />do undertake relate only to Insurability and <br />the premiums to be charged. We do not <br />make safety inspections. We do not <br />undertake to perform the duty of any person <br />or organization to provide for the health or <br />safety of workers or the public. And we do <br />not warrant that conditions: <br />a. Are safe and healthful; or <br />b. Comply with laws, regulations, codes or <br />standards. <br />3. Paragraphs 1. and 2. of this condition apply <br />not only to us, but also to any rating, <br />advisory, rate service or similar <br />organization which makes Insurance <br />inspections, surveys, reports or <br />recommendations. <br />4. .Paragraph 2. of this condition does not <br />apply to any inspections, surveys, reports or <br />recommendations we may make relative to <br />certification, under state or municipal <br />statutes, ordinances or regulations, of <br />boilers, pressure vessels or elevators. <br />F. Insurance Under Two or More Coverages <br />If two or more of this policy's coverages apply <br />to the same loss or damage, you may choose <br />only one of these coverages to apply to that <br />loss. <br />1. Under SECTION 1 - PROPERTY, if two or <br />more of this coverage part's coverages <br />apply to the same loss or damage, we <br />will not pay more than the actual amount of <br />the loss or damage. <br />2. Under SECTION II - LIABILITY, It is our <br />stated Intent that the various coverage <br />parts, endorsements or policies issued to <br />you by us, or any company affiliated with us, <br />do not provide any duplication or overlap of <br />coverage for the same claim or "suit ". If this <br />policy and any other coverage part or policy <br />issued to you by us, or any company <br />affiliated with us, apply to the same claim, <br />occurrence, offense, accident or loss, the <br />maximum Limit of Insurance under all such <br />coverage parts or policies combined shall <br />not exceed the highest applicable Limit of <br />Insurance under any one coverage part or <br />policy. <br />This condition does not apply to any Excess <br />or Umbrella Policy issued by us specifically <br />391- 1003 06 09 Includes copyrighted material of Insurance Services Page 64 of 66 <br />18,008 Office, Inc. with its permission <br />