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nn <br /> HISCOX PROTM General Liability Coverage Part (Occurrence) <br /> A person or organization may sue us to recover on an agreed settlement or final judgment against <br /> you,but we will not be liable for damages that are not covered under this Coverage Part or that <br /> are in excess of the applicable limits.An agreed settlement means a settlement and release of <br /> liability signed by us,you,and the claimant or claimant's legal representative. <br /> D. Other insurance For purposes of this Coverage Part,the Other insurance provision in Section V.Other provisions <br /> affecting coverage,of the General Terms and Conditions is replaced by the following: <br /> If other valid and collectible insurance is available to you for a claim we would otherwise cover <br /> under this Coverage Part,our obligations are limited as follows: <br /> 1. Primary insurance-This Coverage Part is primary except when the Excess insurance <br /> provision below applies. If this Coverage Part is primary,our obligations are not affected <br /> unless any of the other insurance is also primary.Then,we will share with any other <br /> insurance by the method described in the Method of sharing provision below. <br /> 2. Excess insurance-This Coverage Part is excess over any other insurance,whether <br /> primary,excess,contingent,or on any other basis: <br /> a. that provides fire,extended coverage,builder's risk,installation risk,or similar <br /> coverage for your work; <br /> b. that applies to property damage to premises rented to you or temporarily occupied by <br /> you with permission of the owner; <br /> c. if the loss arises out of aircraft,autos,or watercraft(to the extent not subject to <br /> Exclusion A. 1.Aircraft,autos,or watercraft); <br /> d. that is insurance available to you because you have been added as an additional <br /> insured. <br /> When this Coverage Part is excess,we have no duty to defend you against any claim if any <br /> other insurer has a duty to defend you against such claim. If no other insurer defends,we <br /> will undertake to do so,but we will be entitled to your rights against those other insurers. <br /> When this Coverage Part is excess over other insurance,we will pay only our share of the <br /> amount of loss,if any,that exceeds the sum of: <br /> a. the total amount that all other insurance would pay for loss in the absence of this <br /> Coverage Part;and <br /> b. the total of all deductible and self-insured amounts under all other insurance and this <br /> Coverage Part. <br /> We will share the remaining loss,if any,with any other insurance that is not described in this <br /> Excess insurance provision and was not purchased or agreed specifically to apply in excess <br /> of this Coverage Part. <br /> 3. Method of sharing <br /> If all of the other insurance permits contribution by equal shares,we will contribute by equal <br /> shares.Under this method,each insurer contributes equal amounts until it has paid its <br /> applicable limits or none of the loss remains,whichever occurs first. <br /> If any other insurance does not permit contribution by equal shares,we will contribute by <br /> limits.Under this method,each insurer's share is based on the ratio of its applicable limits to <br /> the total applicable limits of all insurers. <br /> E. Separation of insureds Except with respect to the limits and any rights or duties specifically assigned to the named <br /> insured,this Coverage Part applies separately to each insured against whom a claim is made or <br /> brought. <br /> VI. Exclusions- <br /> What is not <br /> covered <br /> Includes copyrighted material of Insurance <br /> Services Offices,Inc.,with its permission <br /> WCL P0002 CW(10/14) Page 7 of 19 <br />