Rider vs Endorsement

Amend, add to, or delete provisions of the base policy — A rider, also called an endorsement, is a written amendment attached to a policy that adds, deletes, or changes provisions of the base contract. For example, a waiver-of-premium rider adds a benefit that excuses premium payments during disability, while an endorsement might delete a named peril or add an additional insured. Because the rider becomes part of the contract, its terms prevail over conflicting base policy language to the extent of the conflict. Riders are how coverage is customized to the insured's needs without rewriting the entire policy, and each rider typically carries its own premium and must be delivered with the policy so the insured can review it.

National insurance concept

A rider is an amendment or addendum that changes or adds coverage, while the policy contains the basic contract terms — A rider, also called an endorsement, is a written amendment attached to and made part of the policy that modifies its terms — adding a benefit such as waiver of premium, changing a provision, or adding an exclusion. The policy itself is the base contract containing the insuring agreement, conditions, and exclusions. The rider and policy are read together as one contract.

National insurance concept