# Washington Common Policy Conditions

All Coverage Parts included in this policy are subject to the following conditions.

The conditions in this endorsement replace any similar conditions in the policy that are less favorable to the insured.

## A. Cancellation

1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation.
2. We may cancel this policy by mailing or delivering to the first Named Insured and the first Named Insured's agent or broker written notice of cancellation, including the actual reason for the cancellation, to the last mailing address known to us, at least:
   - 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or
   - 45 days before the effective date of cancellation if we cancel for any other reason; except as provided in Paragraphs 3. and 4. below.
3. We may cancel the Commercial Property Coverage Part and the Capital Assets Program (Output Policy) Coverage Part, if made a part of this policy, by mailing or delivering to the first Named Insured and the first Named Insured's agent or broker written notice of cancellation at least 5 days before the effective date of cancellation for any structure where 2 or more of the following conditions exist:
   - Without reasonable explanation, the structure is unoccupied for more than 60 consecutive days, or at least 65% of the rental units are unoccupied for more than 120 consecutive days unless the structure is maintained for seasonal occupancy or is under construction or repair.
   - Without reasonable explanation, progress toward completion of permanent repairs to the structure has not occurred within 60 days after receipt of funds following satisfactory adjustment or adjudication of loss resulting from a fire.
4. If:
   - You are an individual;
   - A covered auto you own is of the "private passenger type"; and
   - The policy does not cover garage, automobile sales agency, repair shop, service station or public parking place operations hazards;
   we may cancel the Commercial Automobile Coverage Part by mailing or delivering to the first Named Insured and the first Named Insured's agent or broker written notice of cancellation, including the actual reason for cancellation, to the last mailing address known to us:
   - At least 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or
   - At least 10 days before the effective date of cancellation for any other reason if the policy is in effect less than 30 days; or
   - At least 20 days before the effective date of cancellation for other than nonpayment if the policy is in effect 30 days or more; or
   - Because of its physical condition, the structure is in danger of collapse;
   - Because of its physical condition, a vacation or demolition order has been issued for the structure, or it has been declared unsafe in accordance with applicable law;
   - Fixed and salvageable items have been removed from the structure, indicating an intent to vacate the structure;
   - Without reasonable explanation, heat, water, sewer, and electricity are not furnished for the structure for 60 consecutive days; or
   - The structure is not maintained in substantial compliance with fire, safety and building codes.