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<br />COMMON POLICY CONDITIONS <br /> <br />All Coverage Parts included in this policy are subject to the following conditions. <br /> <br />A CANCELLATION <br /> <br />1. The first Named Insured shown in the <br />Declarations may cancel this policy by <br />mailing or delivering to us advance written <br />notice of cancellation <br /> <br />2. We may cancel this policy by mailing or <br />delivering to the first Named Insured <br />written notice of cancellation at least <br /> <br />a. 10 days before the effective date of <br />canceHation if we cancel for nonpay- <br />ment of premium; or <br /> <br />b. 30 days before the effective delte of <br />canceHation if we cancel for any other <br />reason. <br /> <br />3. We will mail or deliver our notice to the <br />first Named Insured's last mailing address <br />k-nown ~o us. <br />-#0 <br /> <br />4. Notice of cancellation will state the ef- <br />fective date of cancellation. The policy <br />period will end on that date <br /> <br />5. If this policy is cancelled, we will send <br />the first Named Insured any premium re- <br />fund due. If we cancel, the refund will <br />be pro rata. If the first Named Insured <br />cancels. the refund may be less than pro <br />rata. The cancellation will be effective <br />even If we have not made or offered a <br />refund. <br /> <br />6. If notice is mailed, proof of mailing will <br />be sufficient proof of notice. <br /> <br />B. CHANGES <br /> <br />This policy contains all the agreements be- <br />.tween you and 'Us. concerning the insurance <br />afforded. The first Named Insured shown in <br />the Declarations is authorized to make <br />changes in the terms of this policy with our <br />consent This pOlicy's terms can be amended <br />or waived only by endorsement issued by <br />us and made a part of this policy. <br /> <br />C. EXAMINATION OF YOUR BOOKS AND RE. <br />CORDS <br /> <br />We may examine and audit your books and <br />records as they relate to this policy at any <br />time during the policy periOd and up to three <br />years afterward. <br /> <br />. \ <br /> <br />IL 00 17 1 1 85 <br /> <br />D. INSPECTIONS AND SURVEYS <br /> <br />We have the right but are not obligated to: <br /> <br />1. Make inspections and surveys at any time; <br /> <br />2. Give you reports on the conditions we <br />find; and <br /> <br />3. Recommend changes. <br /> <br />Any inspections. surveys. reports or rec- <br />ommendations relate only to insurability and <br />the premiums to be charged. We do not <br />make safety il')spections. We do not under- <br />take to perform. the duty of any person or <br />organization to provide for the health or <br />safety of workers or the public. And we <br />do not warrant that conditions: <br /> <br />1. Are safe or healthful; or <br /> <br />2. Comply with laws. regulations. codes or <br />standards. <br /> <br />This condition applies not only to. us, but also <br />to any rating. advisory. rate service or similar <br />organization which makes insurance in- <br />spections, surveys. reports or recommen- <br />dations. <br /> <br />E. PREMIUMS <br /> <br />The first Named Insured shown in the Dec- <br />larations: <br /> <br />1. Is responsible for the payment of all <br />premiums. and <br /> <br />2. Will be the payee for any return premi- <br />ums we pay. <br /> <br />F. TRANSFER OF YOUR RIGHTS AND DUTIES <br />- UNDER THIS POLICY <br /> <br />Your rights and duties under this policy may <br />not be transferred without our wrinen con- <br />sent except in the case of death of an in- <br />dividual Named Insured. -~ <br /> <br />If you die. your rights and duties will be <br />transferred to your legal representative but <br />only while acting within the scope of duties <br />as your legal representative Until your legal <br />representatIve is appointed. anyone haVing <br />proper temporary custody of your property <br />will have your rights and duties but only with <br />respect to that property. <br /> <br />Copyrtght Insurance SerVices Off,ce. Inc. , 983. , 992 <br /> <br />. ..w <br />