Endorsement,
defined.
An insurance endorsement is an amendment that changes the terms of an existing policy, such as adding a vehicle, raising a limit, or updating an address.lso called a rider, it becomes part of the policy once the carrier issues it. Endorsements let coverage change mid-term without rewriting the whole policy.
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How endorsements are processed
A client requests a change, the agency submits a change request to the carrier, and the carrier issues the endorsement that documents the new terms. The agency then confirms the change back to the client.
Each endorsement is a record in the policy file, and accuracy matters because the endorsement controls what is actually covered.
Common questions
What is the difference between an endorsement and a change request?
A change request is the agency's submission asking the carrier to modify a policy. The endorsement is the document the carrier issues to make that change part of the policy. One requests the change; the other records it.
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