Which term best describes an endorsement that changes the policy's provisions but does not replace the contract?

• A. Rider
• B. Addendum
• C. Endorsement
• D. Amendment

Answer: (C)

An endorsement is a document attached to an existing policy that modifies its terms, conditions, or coverage. It becomes part of the policy and changes what the contract says without replacing the original agreement. This fits the situation where the policy is altered by adding or tightening provisions while the contract itself remains in place. A rider often adds new coverage or benefits, which is a related concept but not the generic term for modifying the policy’s provisions itself. An addendum usually provides extra information or clarification rather than altering coverage, and an amendment suggests changing the contract language in a way that can alter the whole agreement.