Which of the following scenarios would typically require an additional coverage endorsement?

The scenario involving special events such as concerts held on the commercial premises would generally require an additional coverage endorsement because special events present unique risks and liabilities that are not typically covered under standard property insurance policies. Normal policies often have exclusions for events that could draw large crowds, increase the chances of property damage, or lead to higher liability exposures due to the nature of the event.

Such events might involve amplified sound systems, increased foot traffic, or the potential for alcohol consumption, all of which can elevate the risk of accidents or damages. As a result, businesses often need to secure additional endorsements or special event insurance to ensure they have adequate protection against these specific risks.

In contrast, the other scenarios, like wear and tear or routine maintenance, typically fall under the standard exclusions or coverages of property policies, as they are expected risks associated with property ownership and operation. Basic liability for property damage is also typically covered under general liability policies without the need for specialized endorsements unless specific exclusions apply.