What is the name of a document that amends an original insurance policy?

The document that amends an original insurance policy is referred to as an endorsement. An endorsement is an official modification to the terms of the insurance policy, which can add or exclude coverage, change specific terms, or clarify provisions. It serves to provide flexibility within the policy framework, allowing adjustments based on the evolving needs of the policyholder or changes in the coverage requirements.

For instance, if a homeowner wishes to add coverage for a specific valuable item to their existing homeowner's policy, this would typically be accomplished through an endorsement. This process allows for modifications without needing to rewrite the entire policy, streamlining the update process and maintaining continuity in the coverage.

In contrast, a rider is often used synonymously with endorsement but may have specific connotations depending on the type of insurance or situations, usually more common in life insurance. A declaration provides a summary of the key details of the policy, such as the insured's name, the policy number, and coverage limits but does not amend the policy itself. A policyholder letter is typically a communication tool between the insurance company and the policyholder, often used to provide information rather than to amend policy terms.