c. Activities or omissions on your part which increase any hazard insured against, including a failure to comply with loss control recommendations;

d. 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;

e. Loss or decrease of our reinsurance covering all or part of the risk or exposure covered by the policy;

f. Determination by the Commissioner of Insurance that the continuation of the policy would jeopardize our solvency or would place us in violation of the insurance laws of this state;

g. Owner or occupant incendiarism;

h. Violation or breach by you of any policy terms or conditions;

i. Constructive or actual total loss of the Covered Property; or

j. Such other reasons as may be approved by the Commissioner of Insurance.

3. We will give, mail or deliver written notice to the first Named Insured at the address shown on the policy, and to the insurance producer of record, if any.

However, with respect to the:

* Capital Assets Program (Output Policy) Coverage Part
* Commercial Inland Marine Coverage Part
* Commercial Property Coverage Part
* Employment-Related Practices Liability Coverage Part
* Farm Property – Other Farm Provisions Form – Additional Coverages, Conditions, Definitions
* Farm – Livestock Coverage Form
* Farm – Mobile Agricultural Machinery And Equipment Coverage Form;

We will give, mail or deliver written notice to the first Named Insured at the last address known to us, and to the insurance producer of record, if any.

5. If this policy is cancelled, we will send the first Named Insured any premium refund due. The cancellation will be effective even if we have not made or offered a refund.

The following provisions govern calculation of return premium:

a. We will compute return premium pro rata and round to the next higher whole dollar when this policy is:
(1) Cancelled at our request;
(2) Cancelled because you no longer have a financial or insurable interest in the property or business operation that is the subject of insurance;
(3) Cancelled and rewritten by us or a member of our company group;
(4) Cancelled after the first year, if it is a prepaid policy written for a term of more than one year; or
(5) Cancelled by us at the request of a premium finance company upon default of the first Named Insured, when this policy is financed under a premium finance agreement.

b. When this policy is cancelled at your request (except when Paragraph a.(2), a.(3), or a.(4) applies), we will return 90% (75% for Equipment Breakdown policies) of the pro rata unearned premium, rounded to the next higher whole dollar. However, when such cancellation takes place during the first year of a multiyear prepaid policy, we will return the full annual premium for the subsequent years.

6. Proof of giving, mailing or delivering notice of cancellation will be sufficient proof of notice.

D. With respect to all Coverage Parts and Policies addressed in this endorsement, the following is added to the Cancellation Common Policy Condition:

7. We will provide you with the reason or reasons for cancellation if:
a. You request in writing a statement of the reasons for cancellation; and
b. You agree in writing to hold us harmless from liability for any:
(1) Communication giving notice of, or specifying the reasons for, cancellation; or
(2) Statement made in connection with an attempt to discover or verify the existence of conditions which would be a reason for cancellation as provided under Paragraph C.2.