# Section N: Subrogation

1. Separately to each insured against whom claim is made or suit brought.
2. We shall be subrogated to all your rights of recovery against any person or organization, and you shall execute and deliver instruments and papers and do whatever else is necessary to secure such rights.

# Section M: Separation of Insureds

3. This policy has been issued in reliance upon your representations.
4. Except with respect to the limits of insurance and any rights or duties specifically assigned to the first named insured, this insurance applies:
   - 1. as if each named insured were the only named insured.
   - 2. separately to each insured against whom claim is made or suit brought.