# Maryland Changes

This endorsement modifies insurance provided under the following:

- COMMERCIAL GENERAL LIABILITY COVERAGE PART
- ELECTRONIC DATA LIABILITY COVERAGE PART
- LIQUOR LIABILITY COVERAGE PART
- POLLUTION LIABILITY COVERAGE PART
- PRODUCT WITHDRAWAL COVERAGE PART
- PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

## A. Paragraphs 2 and 3 of the Cancellation Common Policy Condition

2. We may cancel this Coverage Part by mailing to the first Named Insured, at the last mailing address known to us, written notice of cancellation, stating the reason for cancellation, at least:
   - a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium.
   - b. 15 days before the effective date of cancellation if we cancel for any reason other than nonpayment of premium, if this policy:
      - (1) Is not a renewal of a policy we issued; and
      - (2) Has been in effect for 45 days or less.
   - c. 45 days before the effective date of cancellation if we cancel for any reason other than nonpayment of premium, if this policy:
      - (1) Is a renewal of a policy we issued; or
      - (2) Has been in effect for more than 45 days.

If we cancel pursuant to Paragraph c., you may request additional information on the reason for cancellation within 30 days from the date of our notice.

## B. Paragraph 5 of the Cancellation Common Policy Condition

5. 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 will be calculated as follows:

### a. Policies Written For One Year Or Less

We will refund 90% of the pro rata unearned premium.

### b. Policies Written For More Than One Year

(1) If the policy is cancelled in the first year, we will refund 90% of the pro rata unearned premium for the first year, plus the full annual premium for subsequent years.

(2) If the policy is cancelled after the first year, we will refund the pro rata unearned premium.

### c. Continuous And Annual Premium Payment Policies

We will refund 90% of the pro rata unearned premium for the year in which the policy is cancelled.

We will retain the minimum premium, except if the policy is cancelled as of the inception date. However, if this policy is financed by a premium finance company and we or the premium finance company or the first Named Insured cancels the policy, the refund will be pro rata excluding any expense constant, administrative fee or nonrefundable charge filed with and approved by the insurance commissioner.

The cancellation will be effective even if we have not made or offered a refund.