Bush, Roed & Hitchings Inc. 2/23/2017

c. cooperate with us in the inves- 1. to keep the policies listed in the Sched- tigation, settlement or defense of ule of Underlying Insurance in full the "claim" or "suit"; and force and effect; d. assist us, upon our request, in the 2. that any renewals or replacements of enforcement of any right against the policies listed in the Schedule of any person or organization which Underlying Insurance will not be more may be liable to the "Insured" be- restrictive in coverage; cause of injury or damage to which this insurance may also ap- 3. that the Limits of Insurance of the poll- ply, cies listed in the Schedule of Under- lying Insurance will be maintained ex- 4. The "Insured's" will not, except at cept for any reduction or exhaustion of their own cost, voluntarily make a pay- aggregate limits by payment of ment, assume any obligation, or incur "claims" or "suits" for "occurrences" any expense, other than for first aid, covered by "underlying insurance"; without our consent. and G. Inspection 4. that the terms, conditions and endorse- ments of the policies listed in the We have the right, but are not obligated, Schedule of Underlying Insurance will to inspect the premises and operations of not change during the period of this any "Insured" at any time. Our inspections policy such as to increase the coverage are not safety inspections. They relate only afforded under this policy. to the insurability of the premises and op- erations of any "Insured" and the premi- If you fail to comply with these require- ums to be charged. We may give you re- ments, we will only be liable to the same ports on the conditions we find. We may extent that we would have been had you also recommend changes. While they may fully complied with these requirements. help reduce losses, we do not undertake to perform the duty of any person or organi- J. Other Insurance zation to provide for the health or safety of any employees or the public. We do not If other insurance applies to a loss that is warrant that the premises or operations of also covered by this policy, this policy will any "Insured" are safe or healthful or that apply excess of the other insurance. Noth- they comply with laws, regulations, codes ing herein will be construed to make this or standards. policy subject to the terms, conditions and limitations of such other insurance. How- H. Legal Actions Against Us ever, this provision will not apply if the other insurance is specifically written to be There will be no right of action against us excess of this policy. under this insurance unless: K. Premium 1. you have complied with all the terms of this policy; and The first Named Insured designated in Item 1. of the Declarations will be respon- 2. the amount you owe has been deter- sible for payment of all premiums when N N mined by settlement with our consent due. or by actual trial and final judgment; The premium for this policy will be com- This insurance does not give anyone the puted on the basis set forth in Item 3. of right to add us as a party in an action the Declarations. At the beginning of the against you to determine your liability. policy period, you must pay us the Ad- vance Premium shown in Item 3. of the I. Maintenance of Underlying Insurance Declarations. During the period of this policy, you agree: When this policy expires or if it is can- celed, we will compute the earned pre- mium for the time this policy was in force. If this policy is subject to audit adjust- CU 60 02 06 97 (Page 12 of 15)