<p>Notwithstanding policy conditions to the contrary, it is hereby understood and agreed that the Insurer will pay on behalf of the Insured all sums, which the Insured shall become legally obligated to pay as damages because of death or bodily injury or property damage to which this insurance applies, caused by an occurrence and arising out of the ownership, maintenance or use, including loading and unloading, of any automobile whether owned, non-owned, leased or hired.<br />
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It is further agreed and understood that this insurance shall be excess insurance over any other valid collectible insurance available to the Insured.&nbsp;</p>
