Payment or tender of any unearned premium by the Company shall not be a condition precedent to the effectiveness of cancellation but such payment shall be made as soon as practicable.

4. OTHER INSURANCE -
If other valid and collectible insurance is available to the Insured covering a loss also covered by this Policy, other than a Policy that is specifically written to apply in excess of this Policy, the insurance afforded by this Policy shall apply in excess of and shall not contribute with such other insurance.

5. NOTICE OF OCCURRENCE, CLAIM OR LOSS -
Whenever the Insured has information from which they may reasonably conclude that an Occurrence, Claim or Loss covered hereunder involves injuries or damages which, in the event that the Insured should be held liable, is likely to involve this Policy, notice shall be sent to the Company stated in Item 7.(a) of the Declarations as soon as practicable.

6. NON FOLLOW FORM -
Notwithstanding the terms, conditions and exclusions or limitation of this Policy, in no event shall this Policy follow the terms, conditions, exclusions or limitations in the Followed Policy or provide coverage under this Policy with respect to or as a result of any of the following clauses or similar clauses in the Followed Policy:

a. Liberalization Clause;
b. Cancellation, non-renewal or change in terms notice provision;
c. State specific "No fault", Uninsured Motorist or Underinsured Motorist law, or any similar law;
d. Crisis Management or Crisis Response provisions;
e. Accidental Insurance provisions; or
f. Sublimit of liability, unless coverage for such sublimit is specifically endorsed to this Policy;
g. Service or Suit Clause or endorsement.

7. RESTRICTIVE AS UNDERLYING AND QUOTA SHARE
Notwithstanding the terms, conditions and exclusions or limitations of this Policy, if either

Any Underlying Policy(ies) with limits of liability in excess of the Followed Policy but underlying to this Policy (the Intervening Policy(ies) as set forth in Section I B) of Endorsement No 1 "Schedule of Intervening Policy(ies)" to this Policy and hereinafter referred to as "Intervening Policy(ies)") ; or

Any Quota Share Policy(ies) (as set forth in Section II, of Endorsement No. I "Schedule of Quota Share Policy(ies)" to this Policy and hereinafter referred to as "Quota Share Policy(ies)").

contain any warranties, terms, conditions, exclusions or limitations more restrictive than this Policy or the Followed Policy, whether on the effective date of this Policy or at any time during the Policy Period of this Policy, then this Policy shall be deemed to follow those most restrictive warranties, terms, conditions, exclusions or limitations in such Intervening Policy(ies) and Quota Share Policy(ies).

BSF- 02 (Ed. 07/09)
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