5-2 承保範圍及不保事項 - ACE Group

iii.If the loss arises out of the maintenance or use of aircraft, “autos” or watercraft to the extent notsubject to paragraph S. Automobile, Aircraft, Watercraft or Motor Vehicle of Section II. EXCLUSIONS.(b) Any other primary insurance available to the insured covering its liability for damages arising out of“human clinical trials” premises or operations to which you have been added as an additional insured byattachment of an endorsement.c. When this insurance is excess over any other insurance in subparagraph b.(1) above, our Limits ofInsurance will be reduced by the amount of that other insurance including any deductibles or self-insuredretention amounts.d. When this insurance is excess, we will have no duty to defend the insured against any “suit” if anyother insurer has a duty to defend the insured against that “suit”. If no other insurer defends, we willundertake to do so, but we will be entitled to the insured’s rights against all those other insurers.e. When this insurance is excess over other insurance, we will pay our share of the amount of theloss, 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 thisinsurance; and(2) The total of all deductible and self-insured amounts under all that other insurance.We will share the remaining loss, if any, with any other insurance that is not described in this ExcessInsurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown inthe Schedule of this Coverage Part.f. Method of SharingIf all of the other insurance permits contribution by equal shares, we will follow this method also. Underthis approach each insurer contributes equal amounts until it has paid its applicable Limit of Insurance ornone 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 this method, each insurer’s share is based on the ratio of its applicable Limits of Insurance to thetotal applicable Limits of Insurance of all insurers.VII.Definitions179