**(2) 60 days before the effective date of cancellation if we cancel for one or more of the following reasons:**

- (a) Physical changes in the property which increase the hazard insured against;
- (b) A material increase in the hazard insured against; or
- (c) A substantial loss of reinsurance by us affecting this particular line of insurance.

**b. We may not cancel policies in effect for 60 days or more or renewal policies for any reason other than the reasons described in Paragraph 3.a. above.**

**c. If we cancel for nonpayment of premium, you may continue the coverage and avoid the effect of the cancellation by payment in full at any time prior to the effective date of cancellation.**

**d. Notice of cancellation will be delivered or sent by:**

- (1) Registered mail;
- (2) Certified mail; or
- (3) Mail evidenced by a United States Post Office certificate of mailing.

**4. We will give notice to you at your last mailing address known to us.**

**5. Notice of cancellation will state the specific reason for the cancellation and the effective date of cancellation. The policy period will end on that date.**

**6. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund.**

**7. If notice is mailed, proof of mailing will be sufficient proof of notice.**

**B. The following conditions are added and supersede any other provision to the contrary:**

**1. Nonrenewal**

If we decide not to renew this policy, we will send notice as provided in Paragraph B.3. of this endorsement.

**With respect to automobile liability insurance policies only, your policy shall terminate on the effective date of any other insurance policy you purchase with respect to any automobile designated in both policies.**

**2. Conditional Renewal**

- **a. If we conditionally renew this policy under terms or conditions less favorable to the insured than currently provided under this policy, then we will send notice as provided in Paragraph B.3. of this endorsement.**
- **b. The conditional renewal notice shall clearly state or be accompanied by a statement clearly identifying any:**
  - (1) Reduction in coverage limits;
  - (2) Coverage provisions added or revised that reduce coverage; or
  - (3) Increases in deductibles.

**3. Notices Of Nonrenewal And Conditional Renewal**

- **a. If we decide not to renew this policy or to conditionally renew this policy as provided in Paragraphs B.1. and B.2. of this endorsement, we will mail or deliver to you a written notice of nonrenewal or conditional renewal, stating the specific reason for nonrenewal or conditional renewal, at least 60 days before the expiration date of this policy. The notice will be sent to your address last known to us.**
- **b. This notice will be delivered or sent by:**
  - (1) Registered mail;
  - (2) Certified mail; or
  - (3) Mail evidenced by a certificate of mailing.
- **If notice is mailed, proof of mailing is sufficient proof of notice.**
- **c. However, we are not required to send notice of nonrenewal if nonrenewal is due to your failure to pay any advance premium required for renewal.**

**C. The When We Do Not Renew Condition of the Commercial General Liability Coverage Part, Commercial Liability Umbrella Coverage Part and Employment-Related Practices Liability Coverage Part does not apply.**

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© Insurance Services Office, Inc., 2018

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