(8) Notice will include the reason for cancellation. We will mail or deliver our notice to the first Named Insured at the address shown in the policy and to the authorized agent or broker. However, we may deliver any notice instead of mailing it. Proof of mailing will be sufficient proof of notice.

b. Non-Renewal- All Policies Other Than Those Specified in Section 1.

If we decide not to renew this policy we will send notice as provided in Paragraph d. below.

c. Conditional Renewal- All Policies Other Than Those Specified in Section 1.

If we conditionally renew this policy subject to a:

(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 rating, retrospective rating or audit;

we will send notice as provided in Paragraph d. below.

We may conditionally renew this policy subject to the requirements of Condition I. Maintenance of "Underlying Insurance" that the "underlying insurance" listed in the Schedule of "underlying insurance" remain in full effect. If you are not in compliance with this condition as of the expiration date of the policy, or 60 days after mailing or delivering the notice of conditional renewal, the conditional renewal shall be deemed to be an effective notice of non-renewal.

d. Notices of Non-renewal and Conditional Renewal - All Policies Other Than Those Specified in Section 1.

(1) If we decide not to renew this policy as provided in Paragraph b above or to conditionally renew this policy as provided in Paragraph c above, we will mail or deliver written notice to the first Named Insured shown in the Declarations at least 30 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 non-renewal 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 Paragraph d.(1), (2) or (3) above by sending the first Named Insured an incomplete or late conditional renewal notice or a late non-renewal 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.