# CHUBB Enhanced Commercial Umbrella Liability Policy

## Cooperation and Assistance
- **c.** Cooperate with us in the investigation or settlement of the claim or defense against the "suit"; and
- **d.** Assist us, upon our request, in the enforcement of any right against any person or organization that may be liable to the "insured" because of injury or damage to which this insurance may also apply.

## Payment and Obligations
- **4.** No "insured" will, except at that "insured's" own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for "Good Samaritan acts", without our written consent.
- **5.** With respect to any "loss" reporting requirements under this policy, knowledge of an "occurrence" or claim by an agent, servant or "employee" of yours or any other person shall not in itself constitute knowledge by you, unless a "key individual" shall have received notice from such agent, servant, "employee" or any other person.

## Inspection and Audit
1. We will be permitted, but not obligated, to inspect the "insured's" property and operations. Neither our right to make inspections, nor the making thereof, nor any report thereon, will constitute an undertaking on behalf of or for the benefit of the "insured", or others, to determine or warrant that such property or operations are safe.
2. We may examine and audit the "insured's" books and records during the "policy period", and any extensions thereof, within three (3) years after the termination date of this policy.

## Legal Action Against Us
1. No person or organization has a right under this policy to join us as a party or otherwise bring us into a "suit" asking for damages from an "insured".
2. No person or organization has a right of action against us under this policy unless all of its terms have been fully complied with and the amount that such person or organization seeks to recover has been determined by settlement with our consent or by final judgment against an "insured".

## Maintenance of "Underlying Insurance"
The policy or policies referred to in the Schedule of Underlying Insurance or renewals or replacements thereof not more restrictive in coverage will be maintained in full effect during this "policy period", except for any reduction of the aggregate limits solely by payment of "loss" to which this policy applies.
If, during the "policy period", such "underlying insurance" is not maintained in full effect or is materially changed to be more restrictive in coverage, or if any limits of liability of "underlying insurance" are:
1. Less than as stated in the Schedule of Underlying Insurance; or
2. Unavailable due to bankruptcy or insolvency of an underlying insurer;
then the insurance afforded by this policy will apply in the same manner as if such "underlying insurance" and limits of liability had been in effect, available, so maintained and unchanged.
Neither the failure to maintain the "underlying insurance" as required by this condition nor the bankruptcy, insolvency, or refusal or inability to pay of any underlying insurer shall invalidate this policy. However, this policy will apply only to the same extent that it would have if the "underlying insurance" were maintained as required by this condition and the underlying insurer had not become bankrupt, insolvent or refused or was unable to pay, excess of a self-insured retention equal to the highest applicable limit of such "underlying insurance". This provision shall not apply to coverages specifically designated to be excess of the "enhanced coverage self-insured retention" or excess of a "scheduled retained limit".

## Other Insurance
If valid and collectible "other insurance" applies to damages that are also covered by this policy, this