An amendment that modifies your policy's terms, coverage, or exclusions—and controls how vendor requirements are fulfilled.
An endorsement (or rider) is a document attached to your policy that changes it—adding coverage, removing exclusions, or adding additional insureds. Endorsements are how vendors' specific requirements get added to your policy. Without the right endorsements, your COI alone won't satisfy vendor contracts.
A policy endorsement (also called a rider) is a formal document attached to your insurance policy that modifies its terms, coverage, or exclusions. Endorsements can add new coverage, remove standard exclusions, add additional insureds (such as landlords or clients), or change policy limits or deductibles. They become part of your policy and are legally binding once attached.
You typically need an endorsement when a vendor, landlord, or client requires specific insurance provisions that aren't in your standard policy. Common examples include adding them as an additional insured, waiving subrogation rights, or increasing limits for a specific contract. You may also need endorsements to add specialized coverage your business requires, such as hired auto coverage or cyber breach response services.
The base policy is the standard insurance contract with your insurer, while an endorsement is an amendment that customizes that contract. Your base policy provides general coverage for typical risks; endorsements modify it to fit your specific needs or meet vendor requirements. Endorsements can expand coverage, restrict it, or change terms. They supersede conflicting language in the base policy wherever applicable.
Definitions are educational and may be modified by your specific policy language, endorsements, and state rules. For regulatory guidance, refer to the California Department of Insurance or the NAIC.
Last updated: July 2026.