Buttersound Studio 12/11/2020 - Laserfiche WebLink

98-C9-R412-4 010974 M 10960 FE-8724 Page 3 of 4 As used here, domestic abuse means inten- (1) Is responsible for the payment of all tionally, knowingly, or recklessly causing phys- premiums; and ical loss to covered property so as to (2) Will be the payee for any return premi- intimidate or attempt to control the behavior of urns we pay. another insured. 16. Examination of Your Books and Records. b. The premium shown in the Declarations We may examine and audit your books and was computed based on rates in effect at records as they relate to this policy at any the time the policy was issued. On each time during the policy period and up to three renewal, continuation or anniversary of the afterward. effective date of this policy, we will corn- yearspute the premium in accordance with our 17.Inspections and Surveys rates and rules then in effect. a. We have the right to: c. You may continue this policy in force by (1) Make inspections and surveys at any paying a continuation premium for each time; successive one-year period. The premium must be: (2) Give you reports on the conditions we (1) Paid to us prior to the anniversary find; and date; and (3) Recommend changes. (2) Determined in accordance with Para- b. We are not obligated to make any inspec- graph b. above. tions, surveys, reports or recommenda- Our forms then in effect will apply. If you tions and any such actions we do do not pay the continuation premium, this undertake relate only to insurability and policy will expire on the first anniversary the premiums to be charged. We do not date that we have not received the premi- make safety inspections. We do not un- um. dertake to perform the duty of any person or organization to provide for the health or d. Undeclared exposures, acquisition, or safety of workers or the public.And we do change in your business operation may not warrant that conditions: occur during the policy period that are not (1) Are safe and healthful; or shown in the Declarations. If so, we may require an additional premium. That pre- (2) Comply with laws, regulations, codes mium will be determined in accordance or standards. with our rates and rules then in effect. c. Paragraphs a. and b. of this condition ap- 21.Transfer of Rights of Recovery Against ply not only to us, but also to any rating, Others to Us. If any person or organization advisory, rate service or similar organiza- to or for whom we make payment under this tion which makes insurance inspections, policy has rights to recover damages from surveys reports or recommendations. an- other, those rights are transferred to us to the extent of our payment. That person or organi- 18. Liberalization. If we adopt any revision that zation must do everything necessary to se- would broaden the coverage under this policy cure our rights and must do nothing after loss without additional premium within 45 days prior to impair them. But you may waive your rights to or during the policy period, the broadened against another party in writing: coverage will immediately apply to this policy. a. Prior to a loss to your Covered Property. 19.Other Insurance. If loss covered by this pol- b. After a loss to your Covered Property only icy is also covered by other insurance written if, at time of loss, that party is one of the in your name, we will not pay for a greater following: proportion of the covered loss than this pol- (1) Someone insured by this insurance; icy's Limit of Insurance bears to the total (2) A business firm: amount of insurance covering such loss. 20. Premiums (a) Owned or controlled by you; or a. The first Named Insured shown in the (b) That owns or controls you; or Declarations: (3) Your tenant. ©,Copyright,State Farm Mutual Automobile Insurance Company,2011 CONTINUED