Endorsement
A document that changes, adds to or restricts the terms of an insurance policy.
Also called
policy change form · rider
What it means
A policy amendment that becomes part of the insurance contract.
Example
Adding optional sewer backup coverage to a home policy may be documented by an endorsement.
Canada context
Insurance wording and mandatory coverage can differ by province, insurer and policy form. Read the declarations, endorsements and full policy wording that apply to you.
Common confusion
An endorsement is not a separate summary only; it can materially change the policy and must be read with the base wording.
Important
This plain-language explanation is general information, not legal advice or a substitute for your policy wording. Ask a licensed insurance professional about your situation.
Last reviewed August 17, 2026
Sources
General information only. Coverage and terminology can differ by province, insurer, and policy wording. Consult your policy and a licensed insurance professional.