Endorsements

Overview

An endorsement modifies a policy’s coverage terms during the active policy period. You might add an endorsement to extend coverage, add an additional insured, or include a supplemental product like cyber or EPLI. Endorsements that add premium trigger the payment workflow automatically.

Types of Endorsements

Coverage Modifications

• Change limits or deductibles
• Add or remove coverage extensions
• Update the retroactive date

Additional Coverages

Coverage	Applicable Lines
EPLI (Employment Practices)	Accountants Standard
Cyber Liability	Accountants, Real Estate, others
Business Brokerage	Real Estate Standard
Mortgage Brokerage	Real Estate Standard
Fund Transfer Coverage	Accountants

Additional Insured / Special Forms

• Additional insured endorsements
• Waiver of subrogation
• Primary non-contributory coverage

Adding an Endorsement

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Endorsements panel showing an accordion of endorsement categories, each expandable to show individual form checkboxes

Endorsements panel showing an accordion of endorsement categories, each expandable to show individual form checkboxes

1. Open the active policy in Policy Search.
2. Navigate to the Endorsements tab.
3. Browse the endorsement categories — click to expand a category and see the available forms.
4. Check the box next to each endorsement you want to add.
5. Click Save Changes.
6. If the endorsement adds premium, the system prompts you to process payment — see Mid-Term Rating.
7. The endorsement is recorded and the updated documents are generated.

Removing an Endorsement

1. Open the policy’s Endorsements tab.
2. Uncheck the endorsement you want to remove.
3. Click Save Changes.
4. If removing the endorsement results in a premium credit, the system will calculate the refund amount.

Endorsements That Roll Over to Renewal

Certain endorsements automatically carry over when the policy renews. For example:

• Additional insured endorsements
• Waiver of subrogation
• Primary non-contributory forms

You do not need to re-add these at renewal — they are included in the renewal application automatically.

Tip

If a producer requests a standard endorsement such as additional insured or waiver of subrogation, you can generate and send the endorsement documents immediately from the policy’s Endorsements tab — no re-rating is required for non-premium-bearing endorsements.