# Conditional Renewal

10. **CONDITIONAL RENEWAL**

   (A) If We condition renewal of this policy upon:
   
     (1) Change of limits;
     
     (2) Change in type of coverage;
     
     (3) Reduction of coverage;
     
     (4) Increased deductible;
     
     (5) Addition of exclusion; or
     
     (6) Increased premiums in excess of 10%, exclusive of any premium increase due to and commensurate with insured value added; or as a result of experience rating, retrospective rating or audit;

   We will send notice as provided in CONDITION 11. below.

11. **NOTICES OF NONRENEWAL AND CONDITIONAL RENEWAL**

   (A) If We decide not to renew this policy or to conditionally renew this policy as provided in CONDITIONS 9. and 10. above, We will mail or deliver written notice to the first Named Insured shown in the Declarations at least sixty (60) but not more than one hundred twenty (120) days before:

     (1) The expiration date; or
     
     (2) The anniversary date if this is a continuous policy.

   (B) Notice will be mailed or delivered to the first Named Insured at the address shown in the policy and to the authorized agent or broker. If notice is mailed, proof of mailing will be sufficient proof of notice.

   (C) We will not send You notice of non-renewal or conditional renewal if You, Your authorized agent or broker or another insurer of Yours mails or delivers notice that the policy has been replaced or no longer desired.

All other terms and conditions of the policy remain unchanged.