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COMMERCIAL GENERAL LIABILITY <br />CTCG20341116 <br />2. Exclusions <br />Coverage for Water Damage Legal Liability does not apply to: <br />a. "Property damage" for which the insured is obligated to pay damages by reason of the assumption of <br />liability in a contract or agreement. This exclusion does not apply to liability for damages that the <br />insured would have in the absence of the contract or agreement. <br />b. "Property damage" caused by or resulting from any of the following: <br />(1) Wear and tear; <br />(2) Rust, corrosion, fungus, decay, deterioration, hidden or latent defect or any quality in property <br />that causes it to destroy Itself; <br />(3) Smog or smoke; <br />(4) Settling, cracking, shrinking or expansion; <br />(5) Insects, birds, rodents or other animals; or <br />(6) Mechanical breakdown, including rupture or bursting caused by centrifugal force. <br />(7) Water that leaks or flows from any plumbing, heating, air conditioning or fire protection system <br />caused by or resulting from freezing, unless: <br />1. You make a reasonable effort to maintain heat in the building or structure; or <br />il. You drain the equipment and shut off the water supply if the heat is not maintained. <br />c. "Property damage" caused directly or indirectly by any of the following: <br />(1) Any earth movement, such as an earthquake, landslide, mine subsidence or earth sinking, rising <br />or shifting; <br />(2) Volcanic eruption, explosion or effusion; <br />(3) Flood, surface water, waves, tidal waves, overflow of any body of water, or their spray, all <br />whether driven by wind or not; <br />(4) Mudslide or mudflow; <br />(5) Water that backs up from a sewer or drain; <br />(6) Water under the ground surfaces pressing on, or flowing or seeping through <br />Foundations, walls, floors or paved surfaces; <br />Basements, whether paved or not; <br />HI. Doors, windows or other openings. <br />d. "Property damage" to: <br />(1) Plumbing, heating air conditioning, fire protection systems or other equipment or appliances; or <br />(2) The interior of the premises caused by or resulting from rain or snow, whether driven by wind or <br />not. D. SECTION I • SUPPLEMENTARY PAYMENTS - COVERAGES A AND B is amended as follows: <br />1. Paragraph 1.b. is deleted and replaced with the following: <br />b. Up to $1,000 for cost of ball bonds required because of accidents or traffic law violations arising out <br />of the use of any vehicle to which the Bodily Injury Liability coverage applies. We do not have to <br />furnish these bonds. <br />2. Paragraph 1.d. is deleted and replaced with the following: <br />d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or <br />defense of the claim or "suit" including actual loss of earnings up to $350 a day because of time off <br />from work. <br />CTCG20341116 Concert Specialty Insurance Company, 2020 Page 2 of 6 <br />