**POLICY NUMBER:** HDO G72490587

**Endorsement Number:** 192

**IL 02 79 09 08**

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

# OREGON CHANGES – CANCELLATION AND NONRENEWAL

This endorsement modifies insurance provided under the following:

- CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART
- COMMERCIAL AUTOMOBILE 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
- LIQUOR LIABILITY COVERAGE PART
- MEDICAL PROFESSIONAL LIABILITY COVERAGE PART
- PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

## A. Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following:

2. If this policy has been in effect for:
   a. Fewer than 60 days and is not a renewal policy, we may cancel for any reason.
   b. 60 days or more or is a renewal policy, we may cancel only for one or more of the following reasons:
      1. Nonpayment of premium;
      2. Fraud or material misrepresentation made by you or with your knowledge in obtaining the policy, continuing the policy or in presenting a claim under the policy;
      3. Substantial increase in the risk of loss after insurance coverage has been issued or renewed, including but not limited to an increase in exposure due to rules, legislation or court decision;
      4. Failure to comply with reasonable loss control recommendations;
      5. Substantial breach of contractual duties, conditions or warranties;
      6. Determination by the commissioner that the continuation of a line of insurance or class of business to which the policy belongs will jeopardize our solvency or will place us in violation of the insurance laws of Oregon or any other state; or

## (7) Loss or decrease in reinsurance covering the risk.
c. 60 days or more or is a renewal policy, we may cancel for any other reason approved by the commissioner by rule, but only with respect to insurance provided under the following:
   1. A package policy that includes commercial property and commercial liability insurance;
   2. Commercial Automobile Coverage Part;
   3. Commercial General Liability Coverage Part;
   4. Commercial Property Coverage Part – Legal Liability Coverage Form;
   5. Commercial Property Coverage Part – Mortgageholders Errors And Omissions Coverage Form;
   6. Employment-related Practices Liability Coverage Part;
   7. Farm Coverage Part – Farm Liability Coverage Form;
   8. Liquor Liability Coverage Part;
   9. Products/Completed Operations Liability Coverage Part; or
   10. Medical Professional Liability Coverage Part.

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