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Clause often provided in property insurance policies that distributes the liability to pay an indemnification among several insurers in proportion to the liability exposure each on a covered property. For example, John has a $3 million fire insurance policy on a commercial office building, and there is a pro rata liability clause distributed among three different insurers. Insurer A has provided a $1,500,000 fire policy while insurer B provides $1,000,000 and insurer C provides $500,000. In the event of a total loss due to fire, each insurer would be liable up to the maximum coverage provided under the terms of the policy.