**POLICY NUMBER:** HDO G71237606

**Endorsement Number:** 179

**IL 02 45 09 08**

**THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.**

# MINNESOTA CHANGES – CANCELLATION AND NONRENEWAL

This endorsement modifies insurance provided under the following:

- CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART
- COMMERCIAL GENERAL LIABILITY COVERAGE PART
- COMMERCIAL INLAND MARINE COVERAGE PART
- COMMERCIAL PROPERTY COVERAGE PART
- CRIME AND FIDELITY COVERAGE PART
- EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART
- EQUIPMENT BREAKDOWN COVERAGE PART
- FARM COVERAGE PART
- MEDICAL PROFESSIONAL LIABILITY COVERAGE PART
- POLLUTION LIABILITY COVERAGE PART
- PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

### A. When this endorsement is attached to the Standard Property Policy CP 00 99 the term Coverage Part in this endorsement is replaced by the term Policy.

### B. The following provisions apply except when Paragraph C. of this endorsement applies:

The Cancellation Common Policy Condition is replaced by the following:

#### CANCELLATION

1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation.
2. We may cancel this policy, subject to the provisions of Paragraph B.3. below, by first class mailing, or by delivery, of a written notice of cancellation to the first Named Insured and any agent, to their last mailing addresses known to us. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date.
3. **Policies In Effect**
   - **a. Less Than 90 Days**
     If this policy is a new policy and has been in effect for fewer than 90 days, we may cancel for any reason by giving notice at least:
     - (1) 10 days before the effective date of cancellation, if we cancel for nonpayment of premium; or
   - **b. 90 Days Or More**
     If this policy has been in effect for 90 days or more, or if it is a renewal of a policy we issued, we may cancel only for one or more of the following reasons:
     - (1) Nonpayment of premium;
     - (2) Misrepresentation or fraud made by you or with your knowledge in obtaining the policy or in pursuing a claim under the policy;
     - (3) An act or omission by you that substantially increases or changes the risk insured;
     - (4) Refusal by you to eliminate known conditions that increase the potential for loss after notification by us that the condition must be removed;
     - (5) Substantial change in the risk assumed, except to the extent that we should reasonably have foreseen the change or contemplated the risk in writing the contract;

**IL 02 45 09 08**

© ISO Properties, Inc., 2007

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