Endorsements pertain to which type of policies?

• A. Property or casualty policies
• B. Life and health policies
• C. All policies including reinsurance
• D. Homeowners only

Answer: (A)

Endorsements are written amendments that modify a policy’s terms, adding or changing coverage, limits, exclusions, or conditions. They’re used to tailor a policy to a specific risk or situation. This tailoring is most common in property and casualty lines—things like homeowners, auto, and commercial liability—where you might add an earthquake endorsement, a flood endorsement, or coverage for a specialty item. Life and health policies, on the other hand, typically use riders to add benefits or adjust terms rather than endorsements. Reinsurance is a separate arrangement between insurers, not a consumer policy endorsement. So endorsements pertain to property or casualty policies.