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cancellation, prior to the effective date of b. Give you reports on the conditions we find; cancellation. If cancellation is for reasons other and than those contained in Paragraph A.3. above, c. Recommend changes. this notice will be the same as that mailed or delivered to the first Named Insured. If 2. We are not obligated to make any inspections, cancellation is for a reason contained in surveys, reports or recommendations and any Paragraph A.3. above, we will mail or deliver such actions we do undertake relate only to this notice at least 20 days prior to the effective insurability and the premiums to be charged.We date of cancellation. do not make safety inspections. We do not undertake to perform the duty of any person or 6. Notice of cancellation will state the effective organization to provide for the health or safety of date of cancellation. The policy period will end workers or the public. And we do not warrant on that date. that conditions: 7. If this policy is cancelled, we will send the first a. Are safe or healthful; or Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first b. Comply with laws, regulations, codes or Named Insured cancels, the refund will be at standards. least 90% of the pro rata refund unless the 3. Paragraphs 1. and 2. of this condition apply not following applies: only to us, but also to any rating, advisory, rate a. For Division Two — Equipment Breakdown, service or similar organization which makes if the first Named Insured cancels, the insurance inspections, surveys, reports or refund will be at least 75% of the pro rata recommendations. refund. 4. Paragraph 2. of this condition does not apply to b. If: any inspections, surveys, reports or recommendations we may make relative to (1) You are an individual; certification, under state or municipal statutes, (2) A covered auto you own is of the ordinances or regulations, of boilers, pressure "private passenger type"; vessels or elevators. (3) The policy does not cover garage, E. Premiums automobile sales agency, repair shop, The first Named Insured shown in the Declarations: service station or public parking place operations hazards;and 1. Is responsible for the payment of all premiums; (4) The first Named Insured cancels; and the refund will be not less than 90% of any 2. Will be the payee for any return premiums we unearned portion not exceeding $100, plus pay. 95% of any unearned portion over$100 but F. Transfer Of Your Rights And Duties Under This not exceeding $500, and not less than 97% Policy of any unearned portion in excess of$500. Your rights and duties under this policy may not be The cancellation will be effective even if we transferred without our written consent except in the have not made or offered a refund. case of death of an individual named insured. 8. If notice is mailed, proof of mailing will be If you die, your rights and duties will be transferred sufficient proof of notice. to your legal representative but only while acting B. Changes within the scope of duties as your legal representative. Until your legal representative is The policy contains all the agreements between you appointed, anyone having proper temporary custody and us concerning the insurance afforded. The first of your property will have your rights and duties but Named Insured shown in the Declarations is only with respect to that property. authorized to make changes in the terms of this G. Nonrenewal policy with our consent. This policy's terms can be amended or waived only by endorsement issued by 1. We may elect not to renew this policy by mailing us and made a part of this policy. or delivering written notice of nonrenewal, C. Examination Of Your Books And Records stating the reasons for nonrenewal, to the first Named Insured and the first Named Insured's We may examine and audit your books and records agent or broker, at their last mailing addresses as they relate to this policy at any time during the known to us. We will also mail to any mortgage policy period and up to three years afterward. holder, pledgee or other person shown in this D. Inspection And Surveys policy to have an interest in any loss which may occur under this policy, at their last mailing 1. We have the right to: address known to us, written notice of a. Make inspections and surveys at any time; nonrenewal. We will mail or deliver these notices at least 45 days before the: Page 2 of 3 Copyright, ISO Properties, Inc., 2006 IL 01 46 09 07