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a. We have the right to: <br /> (1) Make inspections and surveys at any time; <br /> (2) Give you reports on the conditions we find;and <br /> (3) Recommend changes. <br /> b. We are not obligated to make any inspections, surveys, reports or recommendations and any such actions we do <br /> undertake relate only to insurability and the premiums to be charged. We do not make safety inspections. We do <br /> not undertake to perform the duty of any person or organization to provide for the health or safety of workers or <br /> the public.And we do not warrant that conditions: <br /> (1) Are safe or healthful;or <br /> (2) Comply with laws, regulations,codes or standards. <br /> This applies not only to us, but also to any rating, advisory, rate service or similar organization which makes <br /> insurance inspections,surveys, reports or recommendations. <br /> 15. Legal Action Against Us <br /> No person or organization has a right under this policy: <br /> a. To join us as a party or otherwise bring us into a suit asking for damages from an insured;or <br /> b. To sue us on this policy unless all of its terms have been fully complied with. <br /> A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured; but <br /> we will not be liable for damages that are not payable under the terms of this policy or that are in excess of the <br /> applicable limit of insurance.An agreed settlement means a settlement and release of liability signed by us,the insured <br /> and the claimant or the claimant's legal representative. <br /> 16. Multiple Coverage Sections <br /> No claim or suit, or part thereof, for which we have accepted coverage or coverage has been held to apply under one <br /> or more Coverages in this policy shall be covered under any other Coverages in this policy. <br /> 17. Other Insurance <br /> If other valid and collectible insurance is available to the insured for a loss we cover under this policy, our obligations <br /> are limited as follows: <br /> a. Primary Insurance <br /> This insurance is primary except when Paragraph b.below applies. If this insurance is primary, our obligations are <br /> not affected unless any of the other insurance is also primary. Then, we will share with all that other insurance by <br /> the method described in Paragraph c. below. However, regardless of whether b. below applies, in the event that a <br /> written contract or agreement or permit requires this insurance to be primary for any person or organization you <br /> agreed to insure and such person or organization is an insured under this policy, we will not seek contributions <br /> from any such other insurance issued to such person or organization <br /> b. Excess Insurance <br /> (1) This insurance is excess over: <br /> (a) Any of the other insurance, whether primary,excess,contingent or on any other basis: <br /> (i) That is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for your work; <br /> (ii) That is Fire insurance for premises rented to you or temporarily occupied by you with permission of <br /> the owner; <br /> (iii) That is insurance purchased by you to cover your liability as a tenant for property damage to <br /> premises rented to you or temporarily occupied by you with permission of the owner; or <br /> IE.COV.EPIC.001 (05/13) Includes copyrighted material of Insurance Services Offices, Inc.with its permission. <br /> Page 34 of 44 <br />