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Van Meter Williams Pollack LLP
<br />Policy Number: OBFH949273
<br />1.SECTION I -PROPERTY, if two or more of
<br />this coverage part's coverages apply tothe same loss or damage, we will not paymore than the actual amount of the loss ordamage.
<br />2.SECTION II -LIABILITY, it is our statedintent that the various Coverage Parts,
<br />forms, endorsements or policies issued tothe named insured by us, or any companyaffiliated with us, do not provide any
<br />duplication or overlap of coverage for thesame claim, "suit", "occurrence", offense,accident, "wrongful act" or loss. We willnot pay more than the actual amount ofthe loss or damage.
<br />If this Coverage Part and any otherCoverage Part, form, endorsement orpolicy issued to the named insured by us,or any company affiliated with us, apply tothe same claim, "suit", occurrence, offense, accident, "wrongful act" or loss, the maximum Limit of Insurance under all such Coverage Parts, forms, endorsements or policies combined shall not exceed the highest applicable Limit of Insurance under any one Coverage Part, form, endorsement or policy.
<br />This condition does not apply to any Excess or Umbrella Policy issued by us specifically to apply as excess insurance over this policy.
<br />G.Liberalization
<br />If we adopt any revision that would broaden
<br />the coverage under this policy withoutadditional premium within 45 days prior to orduring the policy period, the broadened
<br />coverage will immediately apply to this policy.
<br />H.Other Insurance
<br />1.SECTION I -PROPERTY
<br />If there is other insurance covering thesame loss or damage, we will pay only forthe amount of covered loss or damage inexcess of the amount due from that other
<br />insurance, whether you can collect on it ornot. But, we will not pay more than theapplicable Limit of Insurance of SECTION I-PROPERTY.
<br />2.SECTION II -LIABILITY
<br />If other valid and collectible insurance isavailable to the insured for a loss wecover under SECTION II -LIABILITY, ourobligations are limited as follows:
<br />a.Primary Insurance
<br />This insurance is primary except whenparagraph b. below applies. If thisinsurance is primary, our obligationsare not affected unless any of theother insurance is also primary. Then,we will share with all that otherinsurance by the method described inparagraph c. below.
<br />��Hanover � lnsurance Group ..OB2A791755 0901357
<br />However, if you agree in a written
<br />contract, written agreement, or written permit that the insurance provided to any person or organization included as an
<br />Additional Insured under this Coverage Part is primary and non-contributory, we will not seek
<br />contribution from any other insurance available to that Additional Insured which covers the Additional
<br />Insured as a Named Insured except:
<br />(1)For the sole negligence of theAdditional Insured; or
<br />(2)When the Additional Insured isan Additional Insured underanother liability policy.
<br />b.Excess Insurance
<br />This insurance is excess over:
<br />(1)Any of the other insurance,whether primary, excess,contingent or on any other basis:
<br />(a)That is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for "your work";
<br />(b)That is Property Insurance forpremises rented to you ortemporarily occupied by youwith permission of the owner;
<br />(c)That is insurance purchasedby you to cover your liabilityas a tenant for "property
<br />damage" to premises rentedto you or temporarily occupied by you with permission of the owner; or
<br />(d)If the loss arises out of themaintenance or use of
<br />aircraft, "autos" or watercraftto the extent not subject toSECTION II -LIABILITY,Exclusion g. Aircraft, Auto orWatercraft; and
<br />(2)Any other primary insuranceavailable to you covering liabilityfor damages arising out of thepremises or operations, or theproducts and completedoperations, for which you havebeen added as an additionalinsured by attachment of anendorsement.
<br />When this insurance is excess, we will have no duty under SECTION II -LIABILITY to defend the insured against any "suit" if any other insurer has a duty to defend the insured against that "suit". If no other insurer defends, we will undertake to do so, but we will be entitled to the
<br />391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 79 of 81
<br />Docusign Envelope ID: B713026C-56C2-4C59-9000-032661863EAA
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