The limits of property damage liability stated in the declarations "aggregate protective" and "aggregate contractual" apply separately to each project with respect to operations performed away from premises owned by or leased to the named insured.

8. Severability of Interests. The term "the insured" is used severally and not collectively, but the inclusion herein of more than one insured shall not operate to increase the limits of the company's liability.

9. Financial Responsibility Laws—Coverage A and B. When this policy is used to provide financial responsibility for the future under the provisions of the motor vehicle financial responsibility law of any state or province, such insurance as is afforded by this policy for bodily injury liability for which the company is liable, shall constitute the protection of such law, which shall be applicable with respect to any such liability arising out of the ownership, maintenance or use during the policy period of any automobile insured hereunder, so long as the amount of the limit of liability provided by such law, but in no event in excess of the limits of liability vested in this policy. The insured agrees to reimburse the company for any payment made by the company while the insured has been using the automobile under terms of this policy except for the agreement contained in this paragraph.

10. Notice of Accident. When an accident occurs written notice shall be given by or on behalf of the insured to the company or any of its authorized agents as soon as practicable. Such notice shall contain particulars sufficient to identify the insured and also reasonably obtainable information respecting the time, place, and circumstances of the accident, the names and addresses of the injured and of available witnesses.

11. Notice of Claim or Suit. If claim is made or suit is brought against the insured, the insured shall immediately forward to the company every demand, notice, summons or other process received by him or his representative.

12. Assistance and Cooperation of the Insured. The insured shall cooperate with the company and, upon the company's request, shall attend hearings, trials and will assist in effecting settlements, securing and giving evidence, obtaining the attendance of witnesses and in the conduct of suits. The insured shall not, except at his own cost, voluntarily make any payment, assume any obligation or incur any expense other than for such medical, medical and surgical relief to others as shall be imperative at the time of accident.

13. Action Against Company. No action shall lie against the company unless, as a condition precedent thereto, the insured shall have fully complied with all the terms of this policy, nor until the amount of the insured's obligation thereunder shall have been determined by a court of competent jurisdiction against the insured after actual trial or by written agreement of the insured, the claimant and the company.

Any person or organization or the legal representative thereof who has secured such judgment or written agreement shall thereafter be entitled to recover from the company the cost of the insurance afforded by this policy. Nothing contained in this policy shall give any person or organization any right to join the company as a co-defendant in any action against the insured to determine the insured's liability.

Bankruptcy or insolvency of the insured or of the insured's estate shall not relieve the company of any of its obligations hereunder.

14. Other Insurances. If the insured has other insurance against a loss covered by this policy the company shall not be liable under this policy for a greater proportion of such loss than the applicable limit of liability

IN WITNESS WHEREOF, the Zurich Insurance Company has caused this policy to be signed by its United States Manager at Chicago, Illinois, but the same shall not be binding upon the company unless countersigned on the declarations page by a duly authorized agent of the company.