# Virginia Changes – Cancellation and Nonrenewal

This endorsement changes the policy. Please read it carefully.

## This endorsement modifies insurance provided under the following:

- Commercial General Liability Coverage Part
- Electronic Data Liability Coverage Part
- Liquor Liability Coverage Part
- Pollution Liability Coverage Part
- Product Withdrawal Coverage Part
- Products/Completed Operations Liability Coverage Part

### A. Paragraphs 2., 3. and 5. of the Cancellation Common Policy Condition are replaced by the following:

1. We may cancel this Policy by mailing or delivering to the first Named Insured written notice of cancellation, stating the reason for cancellation, at least:
   - 15 days before the effective date of cancellation if we cancel for nonpayment of premium; or
   - 45 days before the effective date of cancellation if we cancel for any other reason.
2. We will send written notice in accordance with Virginia Law or deliver written notice to the first Named Insured's last mailing address known to us.
3. If this Policy is cancelled, we will send the first Named Insured any premium refund due. The cancellation will be effective even if we have not made or offered a refund. The following provisions govern calculation of return premium:
   - At our request;
   - Because you no longer have a financial or insurable interest in the property or business operation that is the subject of insurance;
   - And rewritten by us or a member of our company group; or

### B. The following is added and supersedes any other provision to the contrary:

#### Nonrenewal
1. If we elect not to renew this Policy, we will mail or deliver a notice of nonrenewal to the first Named Insured shown in the Declarations, stating the reason for nonrenewal, at least:
   - 15 days before the expiration date if the nonrenewal is due to nonpayment of premium; or
   - 45 days before the expiration date if the nonrenewal is for any other reason.
2. We will send written notice in accordance with Virginia Law or deliver written notice of nonrenewal to the first Named Insured's last mailing address known to us.
3. If notice is mailed, proof of mailing will be sufficient proof of notice.

(4) After the first year, if it is a prepaid policy written for a term of more than one year:
   - When this Policy is cancelled at your request (except when Paragraph a.(2), a.(3) or a.(4) applies), we will return 90% of the pro rata unearned premium, rounded to the next higher whole dollar. However, when such cancellation takes place during the first year of a multiyear prepaid policy, we will return the full annual premium for the subsequent years. In addition, earned premium will not be less than our policywriting minimum premium.