# 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 are replaced by the following:

### 2. When this Policy has been in effect for 45 days or less and is not a renewal policy, 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 because the risk does not meet our underwriting standards.

### 3. When this Policy has been in effect for more than 45 days or is a renewal policy, we may cancel this Policy by mailing to the first Named Insured, at the last mailing address known to us, written notice of cancellation at least:
- a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium.
- b. 45 days before the effective date of cancellation if we cancel for a permissible reason other than nonpayment of premium, stating the reason for cancellation. Under this Paragraph b., we may cancel only for one or more of the following reasons:
  - (1) When there exists material misrepresentation or fraud in connection with the application, policy, or presentation of a claim.
  - (2) A change in the condition of the risk that results in an increase in the hazard insured against.

## B. Paragraph 5. of the Cancellation Common Policy Condition is replaced by the following:

### 5. If this Policy is cancelled, we will send the first Named Insured any premium refund due.
- a. The refund will be pro rata if:
  - (1) We cancel; or
  - (2) The Policy is not a renewal policy, and the first Named Insured cancels upon receiving written notice that we recalculated the premium based on the discovery of a material risk factor during the first 45 days the Policy has been in effect.
- b. If the first Named Insured cancels, other than the cancellation described in Paragraph a.(2), the refund will be calculated as follows:
  - (1) Policies Written For One Year Or Less
    - We will refund 90% of the pro rata unearned premium.
  - (2) Policies Written For More Than One Year
    - (a) 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.
    - (b) If the Policy is cancelled after the first year, we will refund the pro rata unearned premium.

**Endorsement Number:** 133  
**Commercial General Liability CG 02 01 12 17**

**THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.**

**Insurance Services Office, Inc., 2017**