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Endorsement
Published 2026-06-12 · by Brokly
In plain terms: A written change to a policy — coverage added, a person added, or a term changed — without buying a new policy.
Why it matters to you
Most contract demands can be met with an endorsement, not a new policy: adding a landlord as an additional insured, waiving subrogation, bumping a limit. Carriers add common ones routinely — often the right question is "can you endorse that?" rather than "do I need another policy?"
Where you’ll see it
Listed by form number on your policy's schedule of endorsements; contracts name the common ones they want to see on your certificate.
Related terms
Definitions describe how policies are typically structured — exact terms live in the policy. Not legal or compliance advice.
Sources: NAIC — Glossary of Insurance Terms (Endorsement) (retrieved 2026-06-12)