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Insured's rights against all those other Insurers. a When this insurance Is excess over other Insurance, we will pay only our share of the amount of the loss. If any, that exceeds the sum of: (1) • The total amount that all such other Insurance would pay for the loss In the absence of this Insurance; and (� The total of all deductible and self -Insured amounts under all that other Insurance. d. We will share the remaining loss, ft any, with any other insurance that Is not described In this provision and was not bought specifically to apply In excess of the Limits of Insurance shown In the Declarations for thla Coverage. e. Method of Sharing If all of the other Insurance permits contribution by equal shares, we will follow this method mina. Under this approach each Insurer contributes equal amounts until it has paid Its applicable Limit of Insurance or none of the loss remains. whichever comes first If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under Me method, each Ineurer'a share Is based on the ratio of its applicable Limit of Insurance to the total applicable limits of Insurance of all Insurers. f. When this Insurance Is excess, we will have no duty under Business Liability Coverage to defend any claim or "suit" that any other Insurer has a duty to defend. If no other Insurer defends, we will undertake to do so; but we will be entitled to ttre Insured's rights against all those other Insurers. I. Promlarns 1. The first Named Insured shown In the Declarations: a. Is responsible for the payment of all premluma; and b. Will be the payee for any return premiums we pay. 2. The premium shown In the Declaratlone was Goo puted based on rates In effect at the time the: policy was Issued. On each renewal, contlnuatcon or anniversary of the effective date of this policy, we will compute the premium In accordance with our rates and rules then In effect I With our consent, you may continue this policy In force by paying a continuation premium for each successive one-year Period. The premium must be: a. Paid to us prior to the anniversary date; and b. Determined In accordance with paragraph 2. above. Our forma then In effect will apply. it you do not pay the continuation premium, this policy wltl explre on the first anniversary date that we have not received the premium. 4. Undeciamd exposures or change In your business operation, acquisition or use of locations may occur during the policy 9 erlod that Is not shown In the eclaratlons. If so, we may require an additional premium. That premium will be determined In accordance with our rates and rules then In effect. J. Prenrlum Audit 1. This Polley Is subject to audit If a prem lum designated as an advance premium Is shown In the Declarations. We will compute the final premium due when we determine your actual exposures. 2 Premium shown In this Wlgr so advance pro mlum Is a deposit premium only. At the close of each audit parlod, we will compute the earned premium for that period and send notice to the first Named insured. The due date for audit premiums Is the date shown as the duo date an the bill. It the eu m of the advance and audit premiums paid for the policy period is greater than the earned premium, we will return the excess to the first Named Insured. 3. The first Named Insured must keep records of the information we need for premium computation and send us copies at such times 86 we may request K. Transfer of Rights of Recovery Against Otiwera to Us 1. Applicable to SECTION I - PROPERTY Coverage; If any person or organization to or for whom we make payment under this policy has rights to recover damages from another, those rights are transferred to us to the extent of our payment. That person or organization must do everything necessary to secure our rights and must do nothing after loss to Impair them. But You may waive your rights against another party In writing: M-1008 tit{ 18 rndudaa eopyrWftd ..uft a] or Insurance Servloes omce, Inc.. eAm Its parmisalon. Pees 80 of 81