# Michigan Changes – Cancellation and Nonrenewal

This endorsement modifies insurance provided under the following:

- Commercial Automobile Coverage Part
- Commercial General Liability Coverage Part
- Commercial Inland Marine Coverage Part
- Crime and Fidelity Coverage Part
- Employment-Related Practices Liability Coverage Part
- Equipment Breakdown Coverage Part
- Farm Coverage Part
- Medical Professional Liability Coverage Part
- Products/Completed Operations Liability Coverage Part

**A. The Cancellation Common Policy Condition is amended as follows:**

1. Paragraph 1. is replaced by the following:
   - The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us or our authorized agent advance notice of cancellation.

2. Paragraph 3. is replaced by the following:
   - We will mail or deliver our notice to the first Named Insured's last mailing address known to us or our authorized agent.

3. Paragraph 5. is replaced by the following:
   - If this policy is cancelled, we will send the first Named Insured any pro rata premium refund due. The minimum earned premium shall not be less than the pro rata premium for the expired time or $25.00, whichever is greater.
   - The cancellation will be effective even if we have not made or offered a refund.

**B. The following Condition is added and supersedes any other provision to the contrary:**

**NONRENEWAL**
- If we decide not to renew this policy, we will mail or deliver to the first Named Insured's last mailing address known to us or our authorized agent written notice of the nonrenewal not less than 30 days before the expiration date.
- If notice is mailed, proof of mailing shall be sufficient proof of notice.