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If any of the other insurance does not permit insured will bring "suit" or transfer those rights to us <br /> contribution by equal shares, we will contribute by and help us enforce them. <br /> limits. Under this method, each insurer's share is b. Waiver Of Rights Of Recovery (Waiver Of <br /> based on the ratio of its applicable limit of Subrogation) <br /> insurance to the total applicable limits of insurance <br /> of all insurers. If the insured has waived any rights of recovery <br /> 5. Premium Audit against any person or organization for all or part of <br /> any payment, including Supplementary Payments, <br /> a. We will compute all premiums for this Coverage we have made under this Coverage Part, we also <br /> Part in accordance with our rules and rates. waive that right, provided the insured waived their <br /> b. Premium shown in this Coverage Part as advance rights of recovery against such person or <br /> premium is a deposit premium only. At the close of organization in a contract, agreement or permit that <br /> each audit period we will compute the earned was executed prior to the injury or damage. <br /> premium for that period and send notice to the first 9. When We Do Not Renew <br /> Named Insured. The due date for audit and If we decide not to renew this Coverage Part, we will <br /> retrospective premiums is the date shown as the mail or deliver to the first Named Insured shown in the <br /> due date on the bill. If the sum of the advance and Declarations written notice of the nonrenewal not less <br /> audit premiums paid for the policy period is greater than 30 days before the expiration date. <br /> than the earned premium, we will return the excess <br /> to the first Named Insured. If notice is mailed, proof of mailing will be sufficient <br /> proof of notice. <br /> c. The first Named Insured must keep records of the SECTION V—DEFINITIONS <br /> information we need for premium computation, and <br /> send us copies at such times as we may request. 1. "Advertisement" means the widespread public <br /> 6. Representations dissemination of information or images that has the <br /> a. When You Accept This Policy purpose of inducing the sale of goods, products or <br /> services through: <br /> By accepting this policy, you agree: a. (1) Radio; <br /> (1) The statements in the Declarations are accurate (2) Television; <br /> and complete; <br /> (2) Those statements are based upon (3) Billboard; <br /> representations you made to us; and (4) Magazine; <br /> (3) We have issued this policy in reliance upon your (5) Newspaper; or <br /> representations. b. Any other publication that is given widespread <br /> b. Unintentional Failure To Disclose Hazards public distribution. <br /> If unintentionally you should fail to disclose all However, "advertisement"does not include: <br /> hazards relating to the conduct of your business a. The design, printed material, information or images <br /> that exist at the inception date of this Coverage contained in, on or upon the packaging or labeling <br /> Part, we shall not deny coverage under this of any goods or products; or <br /> Coverage Part because of such failure. b. An interactive conversation between or among <br /> 7. Separation Of Insureds persons through a computer network. <br /> Except with respect to the Limits of Insurance, and any 2. "Advertising idea" means any idea for an <br /> rights or duties specifically assigned in this Coverage "advertisement". <br /> Part to the first Named Insured, this insurance applies: 3. "Asbestos hazard" means an exposure or threat of <br /> a. As if each Named Insured were the only Named exposure to the actual or alleged properties of <br /> Insured; and asbestos and includes the mere presence of asbestos <br /> b. Separately to each insured against whom claim is in any form. <br /> made or"suit" is brought. 4. "Auto" means a land motor vehicle, trailer or semitrailer <br /> 8. Transfer Of Rights Of Recovery Against Others To designed for travel on public roads, including any <br /> Us attached machinery or equipment. But "auto" does not <br /> a. Transfer of Rights Of Recovery include"mobile equipment". <br /> 5. "Bodily injury" means physical: <br /> If the insured has rights to recover all or part of any <br /> payment, including Supplementary Payments, we a. Injury; <br /> have made under this Coverage Part, those rights b. Sickness; or <br /> are transferred to us. The insured must do nothing c. Disease <br /> after loss to impair them. At our request, the sustained by a person and, if arising out of the above, <br /> mental anguish or death at any time. <br /> HG 00 01 06 05 Page 15 of 18 <br />