# NONRENEWAL

If we decide not to renew this policy, we will send notice as provided in the **NOTICES OF NONRENEWAL AND CONDITIONAL RENEWAL** section below.

# CONDITIONAL RENEWAL

If we conditionally renew this policy subject to:

1. Change of limits;
2. Change in type of coverage;
3. Reduction of coverage;
4. Increased deductible;
5. Addition of exclusion; or
6. Increased premiums in excess of 10%, exclusive of any premium increase due to and commensurate with insured value added or increased exposure units; or as a result of experience rating, loss ratings, retrospective rating or audit;

we will send notice as provided in the **NOTICES OF NONRENEWAL AND CONDITIONAL RENEWAL** section below.

# NOTICES OF NONRENEWAL AND CONDITIONAL RENEWAL

1. If we decide not to renew this policy or to conditionally renew this policy as provided in the Nonrenewal and Conditional Renewal paragraphs above, we will mail or deliver written notice to the first Named Insured shown in the Declarations at least 60 but not more than 120 days before:
   a. The expiration date; or
   b. The anniversary date if this is a continuous policy.
2. Notice will be mailed or delivered to the first Named Insured at the address shown in the policy and to the authorized agent or broker. If notice is mailed, proof of mailing will be sufficient proof of notice.
3. Notice will include the specific reason(s) for nonrenewal or conditional renewal, including the amount of any premium increase for conditional renewal and description of any other changes.
4. If we violate any of the provisions of Paragraphs 1, 2, or 3 above by sending the first Named Insured an incomplete or late conditional renewal notice or a late nonrenewal notice:
   a. Coverage will remain in effect at the same terms and conditions of this policy at the lower of the current rates or the prior period's rates until 60 days after such notice is mailed or delivered, unless the first Named Insured, during this 60 day period, has replaced the coverage or elects to cancel.
   b. On or after the expiration date of this policy, coverage will remain in effect at the same terms and conditions of this policy for another policy period, at the lower of the current rates or the prior period's rates, unless the first Named Insured, during this additional policy period, has replaced the coverage or elects to cancel.
5. If you elect to renew on the basis of a late conditional renewal notice, the terms, conditions, and rates set forth in such notice shall apply:
   a. Upon expiration of the 60 day period; or
   b. Notwithstanding the provisions in paragraphs 4.a. and 4.b., as of the renewal date of the policy if we send the first Named Insured the conditional renewal notice at least 30 days prior to the expiration or anniversary date of the policy.
6. We will not send you notice of nonrenewal or conditional renewal if you, your authorized agent or broker, or another insurer of yours mails or delivers notice that the policy has been replaced or is no longer desired.

The following provisions apply when the following is made a part of this policy:

# Commercial Umbrella Coverage Form

1. The aggregate limits of this policy as shown in the Declarations will be increased in proportion to any policy extension provided in accordance with Notices Of Nonrenewal And Conditional Renewal paragraph 4. above.
2. The last sentence of Paragraph F. in SECTION II - LIMITS OF INSURANCE does not apply when the policy period is extended because we sent the first Named Insured an incomplete or late conditional renewal notice or a late nonrenewal notice.

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