# Puerto Rico Changes

This endorsement modifies insurance provided under the following:

**Commercial General Liability Coverage Part**

A. Wherever this Coverage Part requires any person to send any written material to us, such material may be sent directly to us or through any one of our authorized representatives.

B. The failure to give us prompt written notice of any "occurrence", offense, claim or "suit" or to send us copies of any demand, notice, summons or other legal papers received will not invalidate any claim made by the insured or free us from any responsibility in any "suit" if it can be shown not to have been reasonably possible to give the notice or forward the documents immediately, and that notice was given or the documents were sent as soon as reasonably possible.

C. Paragraph 3., LEGAL ACTION AGAINST US (Section IV – Commercial General Liability Conditions) applicable to any coverage afforded with respect to "occurrences" or offenses in Puerto Rico is replaced by the following:
No person or organization can sue us until the insured has fully complied with all of the terms of this Coverage Part.

D. The CANCELLATION Common Policy Condition is replaced by the following:
**CANCELLATION**
1. The first Named Insured shown in the Declarations may cancel this Coverage Part by mailing to us advance written notice of cancellation.

2. We may cancel this Coverage Part by mailing to the first Named Insured written notice of cancellation at least:
   a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or
   b. 30 days before the effective date of cancellation if we cancel for any other reason.
3. We will mail our notice to the last address the first Named Insured has informed us of in writing or, otherwise, to the address shown in this Coverage Part.
4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date.
5. If this Coverage Part 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. Any refund will be made within 15 days of a request by the first Named Insured for a refund; otherwise any refund will be made within 90 days of the effective date of cancellation. The cancellation will be effective even if we have not made or offered a refund.
6. Proof of mailing will be sufficient proof of notice.

**Endorsement Number:** 156  
**Commercial General Liability CG 01 07 10 93**

**Policy Number:** HDO G71445653

**Copyright, Insurance Services Office, Inc., 1992**

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