# Notice of Nonrenewal and Conditional Renewal

a. If we elect not to renew this policy or to conditionally renew this policy as provided in the preceding CONDITION, we will mail or deliver written notice to the named insured shown in the Declarations; at least sixty (60) but not more than 120 days before:

(1) The expiration date; or

(2) The anniversary date if this is a continuous policy.

b. Notice will be mailed or delivered to the 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.

c. We will not send notice of nonrenewal or conditional renewal if the named insured, or the authorized agent or broker or another insurer authorized by the named insured mails or delivers notice that the policy has been replaced or is no longer desired.

It is hereby agreed that the following is added to the EXCLUSIONS Section:

3. Discrimination

To personal injury resulting from discrimination due to race, color or national origin.

The following is added to CONDITION 3., Duties in the Event of Occurrence, Claim or Suit:

c. Notice given to a licensed agent shall be deemed to be notice to us.

It is hereby understood and agreed that, notwithstanding anything in this policy to the contrary, with respect to such insurance as is afforded by this policy, the terms of this policy as respects coverage for operations in the State of New York shall conform to the coverage requirements of the applicable insurance laws of the State of New York; provided, however, that our limit of liability as stated in this policy shall be excess of the limits of liability of any underlying insurance or self-insurance as stated in the Declarations or in any endorsement attached hereto.