What is an endorsement?

An endorsement is an amendment to your insurance policy that adds, removes, or modifies coverage from the standard policy terms.

What you need to know

Endorsements customize your policy to match your specific needs—like adding assault and battery coverage, increasing equipment limits, or adding an additional insured. They’re attached to and become part of your policy.

Why it matters for restaurant owners

Standard policies rarely provide everything restaurants need out of the box. You’ll use endorsements to add liquor liability, increase spoilage coverage, add equipment breakdown protection, or modify exclusions.

Review your endorsements carefully—they can expand coverage (good) or restrict it (potentially bad). At renewal, verify all your endorsements carried over to the new policy.