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HISCOX PRU_ General Liability Coverage Part (Occurrence) <br />A person or organization may sue us to recover on an agreed settlement or final judgment against <br />you, but we will not be liable for damages that are not covered under this Coverage Part or that <br />are in excess of the applicable limits. An agreed settlement means a settlement and release of <br />liability signed by us, you, and the claimant or claimant's legal representative. <br />D. Other insurance For purposes of this Coverage Part, the Other insurance provision in Section V. Other provisions <br />affecting coverage, of the General Terms and Conditions is replaced by the following: <br />If other valid and collectible insurance is available to you for a claim we would otherwise cover <br />under this Coverage Part, our obligations are limited as follows: <br />1. Primary insurance - This Coverage Part is primary except when the Excess insurance <br />provision below applies. If this Coverage Part is primary, our obligations are not affected <br />unless any of the other insurance is also primary. Then, we will share with any other <br />insurance by the method described in the Method of sharing provision below. <br />2. Excess insurance - This Coverage Part is excess over any other insurance, whether <br />primary, excess, contingent, or on any other basis: <br />a. that provides fire, extended coverage, builders risk, installation risk, or similar <br />coverage for your work; <br />b. that applies to property damage to premises rented to you or temporarily occupied by <br />you with permission of the owner; <br />G. if the loss arises out of aircraft, autos, or watercraft (to the extent not subject to <br />Exclusion A. 1. Aircraft, autos, or watercraft); <br />d. that is insurance available to you because you have been added as an additional <br />insured. <br />When this Coverage Part is excess, we have no duty to defend you against any claim if any <br />other insurer has a duty to defend you against such claim. If no other insurer defends, we <br />will undertake to do so, but we will be entitled to your rights against those other insurers. <br />When this Coverage Part is excess over other insurance, we will pay only our share of the <br />amount of loss, if any, that exceeds the sum of: <br />a. the total amount that all other insurance would pay for loss in the absence of this <br />Coverage Part; and <br />b. the total of all deductible and self-insured amounts under all other insurance and this <br />Coverage Part. <br />We will share the remaining loss, if any, with any other insurance that is not described in this <br />Excess insurance provision and was not purchased or agreed specifically to apply in excess <br />of this Coverage Part. <br />3. Method of sharing <br />If all of the other insurance permits contribution by equal shares, we will contribute by equal <br />shares. Under this method, each insurer contributes equal amounts until it has paid its <br />applicable limits or none of the loss remains, whicheveroccurs first. <br />If any other insurance does not permit contribution by equal shares, we will contribute by <br />limits. Under this method, each insurer's share is based on the ratio of its applicable limits to <br />the total applicable limits of all insurers. <br />E. Separation of insureds Except with respect to the limits and any rights or duties specifically assigned to the named <br />insured, this Coverage Part applies separately to each insured against whom a claim is made or <br />brought. <br />VI. Exclusions — <br />What is not <br />covered <br />Includes copyrighted material of Insurance <br />services Offices, Inc., with its permission <br />WCL P0002 CW (10114) Page 7 of 19 <br />