# Wisconsin Changes - Amendment of Policy Conditions

**Policy Number:** HDO G71445653  
**Endorsement Number:** 166  
**Commercial General Liability**  
**CG 01 24 01 93**

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

## Wisconsin Changes – Amendment of Policy Conditions

This endorsement modifies insurance provided under the following:

- **Commercial General Liability Coverage Part**
- **Liquor Liability Coverage Part**
- **Pollution Liability Coverage Part**
- **Products/Completed Operations Liability Coverage Part**

### 1. Changes (Common Policy Conditions)

If one of our agents knows of a fact that breaches a condition of this Coverage Part, we will be considered to have knowledge of this same fact if:
- The agent knows of this fact at the time the Coverage Part is issued or an application is made; or
- The agent later learns of this fact in the course of his dealings as an agent with you.

Any fact that breaches a condition of this Coverage Part and is known to the agent prior to loss shall not void the Coverage Part or prevent a recovery in the event of loss.

### 2. Legal Action Against Us Condition (Section IV) does not apply.

### 3. Representations (Section IV)

No misrepresentation or breach of affirmative warranty made by you or on your behalf in the negotiation of this Coverage Part affects our obligation under this Coverage Part unless:
- We rely on it and it is either material or made with intent to deceive; or
- The facts misrepresented or falsely warranted contribute to the loss.

### 4. Transfer of Rights of Recovery Against Others to Us (Section IV)

In the event of any payment under this Coverage Part, we will be entitled to the insured's rights of recovery against any person or organization and the insured will do whatever is necessary to secure such rights. We will be entitled to a recovery only after the insured has been fully compensated for damages.

### 5. Conformity to Statute or Rule

Any provision of this policy (including endorsements which modify the policy) that is in conflict with a Wisconsin statute or rule is hereby amended to conform to that statute or rule.

The term "rule" means a valid rule promulgated by the Commissioner of Insurance in accordance with the rule-making authority conferred under Wis. Stat. Ann. Section 227.11(2) and published in the Wisconsin Administrative Code.