# Maine 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 Liability Umbrella Coverage Part
- Commercial Property Coverage Part
- Crime and Fidelity Coverage Part
- Employment-Related Practices Liability Coverage Part
- Equipment Breakdown Coverage Part
- Farm Coverage Part
- Farm Umbrella Liability Policy
- Liquor Liability Coverage Part
- Medical Professional Liability Coverage Part
- Pollution Liability Coverage Part
- Products/Completed Operations Liability Coverage Part

## A. Paragraphs 2., 4., and 6. of the Cancellation Common Policy Condition are replaced by the following:

1. We may cancel this policy by mailing or delivering written notice of cancellation to the first Named Insured. If we cancel, cancellation will not be effective prior to 10 days after the receipt by the first Named Insured of the notice of cancellation.
2. Notice of cancellation to the first Named Insured will state the effective date of and reasons for cancellation. The policy period will end on that date.
3. A post office certificate of mailing to the first Named Insured at the last known mailing address will be conclusive proof of receipt of notice on the third calendar day after mailing.

B. If this policy has been in effect for 60 days or more, or if it is a renewal or continuation of a policy issued by us, the following is added to the Cancellation Common Policy Condition and supersedes any other provisions to the contrary:

7. We may cancel this policy only for one or more of the following reasons:
   - a. Nonpayment of premium;
   - b. Fraud or material misrepresentation made by you or with your consent in obtaining the policy, continuing the policy or in presenting a claim under the policy;
   - c. Substantial change in the risk which increases the risk of loss after insurance coverage has been issued or renewed, including, but not limited to, an increase in exposure due to regulation, legislation or court decision;
   - d. Failure to comply with reasonable loss control recommendations;
   - e. Substantial breach of contractual duties, conditions or warranties; or
   - f. Determination by the superintendent of insurance that the continuation of a class or block of business to which the policy belongs will jeopardize our solvency or will place us in violation of the insurance laws of Maine or any other state.