1. immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or suit;
2. authorize us to obtain records and other information;
3. cooperate with us in the investigation settlement or defense of the claim or suit;
4. assist us, upon our request, in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply.

No insureds will, except at their own cost, voluntarily make a payment, assume any obligation, or incur any expense, without our consent.

G. Inspection and Audit

We shall be permitted but not obligated to inspect your property and operations at any time. Neither our right to make inspections nor the making thereof nor any report thereon shall constitute an undertaking, on behalf of or for the benefit of you or others, to determine or warrant that such property operations are safe.

We may examine and audit your books and records at any time during this policy period and extensions thereof and within three (3) years after the final termination of this policy.

H. Legal Action Against Us

No person or organization has a right under this policy to:

1. join us as a party or otherwise bring us into a suit asking for damages from an insured;
2. sue us, unless all of the terms of this policy have been fully complied with.

A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured obtained after an actual trial. We will not be liable for damages that are not payable under the terms of this policy or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the insured and the claimant or the claimant's legal representative.

I. Maintenance of Underlying Umbrella Insurance

This policy is subject to the same terms, definitions, exclusions, and conditions (except as regards premium, amount and limits of insurance, and except as otherwise provided herein) as are contained in or as may be added to the Controlling Umbrella Policy stated in Item 5 of the Declarations.

The policy stated in Item 5 of the Declarations shall be maintained in full effect during this policy period, except for any reduction in the aggregate limits by payment of damages.

If such Controlling Umbrella Insurance is not maintained in full effect by you, or if any limits of insurance of underlying insurance are:

1. less than as stated;
2. unavailable to you due to bankruptcy or insolvency of any insurer,

Then the insurance afforded by this policy shall apply in the same manner as if such underlying insurance and limits of insurance had been in effect, so maintained and unchanged.

J. Other Insurance

If other valid and collectible insurance is available to the insured covering a loss also covered by this policy, other than insurance that is in excess of the insurance afforded by this policy, the insurance afforded by this policy shall be in excess of and shall not contribute with such other insurance.

K. Premium

The premium for this policy has been computed in accordance with our rules and rates in effect as of the inception date of this policy. Unless otherwise provided, the premium for this policy is a flat premium and is not subject to adjustment except as provided herein or amended by endorsement.

In the event of additional insured(s) being added to the coverage under the underlying umbrella policy during this policy period, prompt notice shall be given to us and we may charge an additional premium.

L. Representations

By accepting this policy, you agree:

1. the statements in the Declarations are accurate and complete;
2. those statements are based upon representations you made to us;

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