This endorsement modifies the insurance as is afforded by the provisions of the policy relating to the following:

**COMPREHENSIVE GENERAL LIABILITY INSURANCE**
**OWNERS', LANDLORDS' AND TENANTS' LIABILITY INSURANCE**

**POLICY NO:** 86-68-700  
**EFFECTIVE DATE:**  
**AGENCY NO.:**  

**Named Insured**

This endorsement is issued by that company named below which is the insurer under the policy designated above issued to the Named Insured and forms a part of said policy as of the effective date hereof, at the hour stated in the policy Declarations.

(The information above is required to be completed only when this endorsement is issued subsequent to preparation of the policy.)

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**EXCLUSION (Water Damage—New York City)**

It is agreed that the insurance does not apply to property damage to buildings or property therein, wherever occurring, arising out of any of the following causes, if such cause occurs on or from premises owned by or related to the named insured and described below: (1) the discharge, leakage or overflow of water or steam from plumbing, heating, refrigerating or air-conditioning systems, standpipes for fire hose, or industrial or domestic appliances, or any substance from automatic sprinkler systems; (2) the collapse or fall of tanks or the component parts or supports thereof which form a part of automatic sprinkler systems; (3) ice or snow admitted directly to the building interior through defective roofs, leaders or spouting, or open or defective doors, windows, vents, transoms or ventilators; but this exclusion does not apply to property damage due to fire, to the use of elevators or to operations performed by independent contractors.

**Description of Premises:**

AS PER SCHEDULES ON FILE WITH COMPANY

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**Countersigned by duly authorized agent**

**ZURICH INSURANCE COMPANY**
**AMERICAN GUARANTEE AND LIABILITY INSURANCE COMPANY**

**Form G328**

**NOTE:** This endorsement must be taken without insurance being afforded for any premises in New York City for which the manual provides a water damage premium charge, unless such additional premium charge is made.