Your failure to comply with the foregoing shall not invalidate the policy of which this Coverage Form is a part, but in the event of such failure, we shall be liable only to the extent that we would have been liable had you complied with these obligations.

**G. Other Insurance.**

1. If other insurance is available to an insured for loss covered under this Coverage Form, this insurance will apply as excess over any other insurance, including self-insured retentions, or insurance deductibles. This provision does not apply to a policy specifically written to apply in excess of this insurance and which specifically references the policy of which this Coverage Form is a part.

2. We will have no duty to defend any claim or suit that any other insurer has a duty to defend. If no other insurer defends, at our discretion we may undertake to do so, but we will be entitled to the insured's rights against all other insurers

**H. Premium and Audit.**

1. We will compute all premiums for the policy of which this Coverage Form is a part in accordance with our rules and rates.

2. Unless shown as advance premium, the premium for the policy of which this Coverage Form is a part is a flat premium and is not subject to adjustment except as provided herein or amended by endorsement. If any additional premium charge is made to any "underlying insurance" due to a change in exposure during the policy period you must notify us and our premium may be adjusted accordingly

3. Premium shown in the Declarations as advance premium is a deposit premium only. At the close of each audit period, we will compute the earned premium for that period.

Audit premiums are due and payable on notice to the first Named Insured. If the sum of the advance and audit premiums paid for the policy term is greater than the earned premium, we will return the excess to the first Named Insured, but not if such audit premium is less than the minimum premium shown in the Declarations.

4. If we cancel the policy any return premium will be pro-rated. If you cancel the policy, return premium will be pro-rated but will be subject to a minimum retained premium, which may be a dollar amount or percentage of the total policy premium, if a minimum retained premium is stated in the Declarations.

5. The first Named Insured must keep records of the information we need for premium computation, and send us copies at such times as we may request.

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Copyright 2011, QBE Holdings, Inc.