# Document Title: Insurance Policy Details

## Section 1: Definitions and Scope of Coverage

### 1.1 Policy Territory
The policy covers:
- The United States of America, its territories and possessions, Canada, and international waters or air space.
- Anywhere in the world with respect to damages caused by bodily injury or property damage arising out of a product which was sold for use or consumption within the territory described above.

### 1.2 Products Hazard
This includes bodily injury or property damage arising out of the named insured's products, provided such products were not represented or warranted made at any time with respect thereto, but only if the bodily injury or property damage occurs away from premises owned by or rented to the named insured and after the occurrence during the policy period.

### 1.3 Supplementary Payments
The company will pay, in addition to the applicable limit of liability:
- All expenses incurred by the company as all costs taxed against the insured in any suit defended by the company, including interest on the entire amount of any judgment therein which occurred after entry of final judgment before the company has paid or tendered or deposited in court that part of the judgment which does not exceed the limit of the company's liability thereon.
- Premiums on appeal bonds required in any such suit, premiums on bonds to release attachments in any such suit, premiums on bonds required to assist the company in the investigation or defense of any claim, including actual loss of earnings not to exceed $50 per day.

## Section 2: Conditions

### 2.1 Premium
All premiums for this policy shall be computed in accordance with the company's rules, rates, rating plans, premiums, and minimum premiums applicable to the insurance afforded herein.

### 2.2 Inspection and Audit
The company may inspect and audit the named insured's property and operations at any time. Neither the company's right to inspect nor the making thereof nor any report thereon shall constitute an undertaking, on behalf of or for the benefit of the named insured or others, to determine or warrant that such property or operations are safe or healthful, or are in compliance with any law, rule, or regulation.

### 2.3 Financial Responsibility Laws
When this policy is certified as proof of financial responsibility for the future under the provisions of any motor vehicle financial responsibility law, such insurance as is afforded by this policy for bodily injury liability or for property damage liability shall comply with the provisions of such law as to extent of coverage and limits of liability required by such law.

### 2.4 Insured's Duties in the Event of Occurrence, Claim, or Suit
a) In the event of an occurrence, written notice containing particulars sufficient to identify the insured and also reasonably obtainable information with respect to the time, place, and circumstances thereof, the names and addresses of the injured and of available witnesses, shall be given by or for the insured to the company or any of its authorized agents as soon as practicable.

## Section 3: Action Against Company
No action shall be taken against the company unless as a condition precedent thereto, there shall have been full compliance with the terms of this policy, not until the amount of the insured's obligation to pay shall have been finally determined by a judgment against the insured, a final trial or by written agreement between the parties. Any person or organization or the legal representative thereof who has secured such judgment or written agreement shall thereafter be entitled to recover under this policy to the extent of the insurance afforded by this policy. No person or organization shall have any right under this policy to join the company as a party defendant. No person or organization shall be made a party plaintiff in the insured's liability. No suit shall be brought against the company by the insured or his representatives. Bankruptcy or insolvency of the insured or of the insured's estate shall not relieve the company of any of its obligations hereunder.

## Section 4: Other Insurance
The insurance afforded by this policy is primary insurance except when stated to apply in excess of or contingent upon the absence of other insurance. When this insurance is primary and the insured has other insurance which is stated to be applicable to the loss on an excess or contingent basis, the amount of the company's liability under this policy shall not be reduced by the existence of such other insurance.

## Section 5: Contribution
When both this insurance and other insurance apply to the loss on the same basis, whether primary excess or contingent, the company shall not be liable under this policy for a greater proportion of the loss than that stated in the applicable contribution provision below.

### 5.1 Contribution by Equal Shares
If any of such other valid and collectible insurance provides for contribution by equal shares, the company shall not be liable for a greater proportion of such loss than would be payable if each insurer contributed an equal share until the share of each insurer equals the amount applicable to the loss under one such insurer's full amount of liability. The insurers then continue to contribute equal shares of the remaining amount of the loss until such each insurer has paid its limit in full or the full amount of the loss is paid.

### 5.2 Contribution by Limits
If any of such other insurance does not provide for contribution by equal shares, the company shall not be liable for a greater proportion of such loss than the applicable limit of liability under the policy for such loss bears to the total applicable limit of liability of all valid and collectible insurance against such loss.

## Section 6: Subrogation
In the event of any payment under this policy, the company shall be subrogated to all the insured's rights hereunder, therefore, the insured shall do whatever else is necessary to preserve such rights. The insured shall do nothing after loss to prejudice such rights.