# Changes

Notice to any agent or knowledge possessed by any agent or any other person will not effect a waiver or change in any part of this policy. This policy can be changed only by a written endorsement that we make to this policy.

## Duties in the Event of an Occurrence, Claim or Suit

1. You must see to it that we are notified as soon as practicable of an **Occurrence** that may result in a claim or **Suit** under this policy. To the extent possible, notice should include:
   - how, when and where the **Occurrence** took place;
   - the names and addresses of any injured persons and any witnesses; and
   - the nature and location of any injury or damage arising out of the **Occurrence**.
2. If a claim is made or **Suit** is brought against any **Insured** which is reasonably likely to involve this policy, you must notify us in writing as soon as practicable.
   Written notice should be mailed or delivered to:

   AIG Technical Services, Inc.
   Excess Casualty Claims Department
   175 Water Street
   New York, NY 10038

3. You and any other involved **Insured** must:
   - immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or **Suit**;
   - authorize us to obtain records and other information;
   - cooperate with us in the investigation, settlement or defense of the claim or **Suit**; and
   - assist us, upon our request, in the enforcement of any right against any person or organization that may be liable to the **Insured** because of injury or damage to which this insurance may also apply.
4. No **Insured** will, except at that **Insured's** own cost, voluntarily make a payment, assume any obligation or incur any expense, other than for first aid, without our consent.

## Headings

The descriptions in the headings of this policy are solely for convenience and form no part of the terms and conditions of coverage.

## Inspection

We have the right, but are not obligated, to inspect your premises and operations at any time. Our inspections are not safety inspections. They relate only to the insurability of your premises and operations and the premiums to be charged. We may give you reports on the conditions that we find. We may also recommend changes. We do not, however, undertake to perform the duty of any person or organization to provide for the health or safety of your employees or the public. We do not warrant the health and safety conditions of your premises or operations or represent that your premises or operations comply with laws, regulations, codes or standards.

**Legal Actions Against Us**

NOTICE: THESE POLICY FORMS AND THE APPLICABLE RATES ARE SUBJECT TO THE INSURANCE REQUIREMENTS OF THE NEW YORK STATE INSURANCE DEPARTMENT. HOWEVER, SUCH FORMS AND RATES MUST MEET THE MINIMUM STANDARDS OF THE NEW YORK INSURANCE LAW AND REGULATIONS.

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2 - 13000 © 2001 American International Group, Inc.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.