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202500407 1. Each suite owner is an insured person under the policy with respect to liability arising out of their interest in the common elements or membership in the Association; 2. No act or omission by any suite owner, unless acting within the scope of their authority on behalf of the Association, will void the policy or be a condition to recover under the policy; and 3. If, at the time of loss under the policy, there, is other insurance in the name of a suite owner covering the same risk covered by the policy, the unit owners' policy provides primary insurance. Section 2. Insurance by Suite Owners. Each Suite owner shall obtain and maintain the following coverages on the Suite that they own and on their interest in said common elements: A. Property insurance on their Suite, including common elements, insuring against all risks and direct physical loss commonly insured against. The total amount of insurance on said unit shall not be less than the dwelling replacement cost coverage of each individual unit. B. Liability insurance, including medical payments insurance, in the amount determined by the Board of Directors but not less than $500,000 personal liability and $1,000 medical payment per person covering all occurrences commonly insured against for death, bodily injury and property damage arising out of or in connection with the use, ownership or maintenance of the common elements, including limited common elements. The Board of Directors may determine that additional coverage may be necessary, and it shall be the responsibility of each Suite owner to comply with said coverage.