An insurance endorsement, also known as a rider or an addendum, is a document that modifies or adds to the terms of an insurance policy. Endorsements are commonly used in the insurance industry to customize an insurance policy to meet the specific needs of the insured.

An endorsement may be added to an insurance policy to:

1. Add coverage: Endorsements can be used to add coverage to an insurance policy that is not included in the standard policy.
2. Modify coverage: Endorsements can be used to modify the coverage provided by an insurance policy, such as increasing or decreasing the limits of liability.
3. Add exclusions: Endorsements can be used to add exclusions to an insurance policy, which exclude certain risks or perils from coverage.
4. Change policy details: Endorsements can be used to change the policy details, such as the insured’s name or address.

Endorsements can be added to many different types of insurance policies, including auto, home, and business insurance. They are typically added to an insurance policy by the insurance company, but may also be requested by the insured.

It’s important to carefully review any endorsements added to an insurance policy, as they can significantly impact the coverage provided by the policy. If you have any questions or concerns about an endorsement, it’s best to contact your insurance agent or company for clarification.