Which term is used to add or modify coverage to address specific situations?

• A. Endorsements
• B. Declarations
• C. Conditions
• D. Exclusions

Answer: (A)

Endorsements are used to add or modify coverage to address specific situations. They act as riders attached to the policy, letting the insurer and insured tailor the contract by expanding coverage, shrinking it, or adding coverage for a particular risk that's not covered by the standard form. For example, an endorsement can provide coverage for high-value jewelry, add flood protection to a homeowners policy, or change a deductible for a specific exposure. Declarations identify who is insured, where, when, and the policy limits, but they don’t alter coverage. Conditions lay out duties and claims procedures, not what is covered. Exclusions list what isn’t covered, which is the opposite of adding coverage.