Which of the following is attached to a property and casualty insurance policy to amend policy provisions or conditions?

An endorsement is an addendum that modifies the terms, conditions, or coverages of an insurance policy. It is attached to the main policy document and serves to clarify, amend, or broaden the coverage provided. Endorsements can append additional coverages for specific risks or alter existing terms, making them essential tools for customizing an insurance policy to meet the needs of the insured.

While riders typically pertain to life insurance policies, they also serve a similar function of modifying terms but are not commonly used terminology in property and casualty insurance. Exclusions are specific provisions within a policy that outline what is not covered, rather than amending or adding coverage. An appendix generally refers to additional materials or information included at the end of a document but does not specifically alter the provisions of the insurance policy itself. Therefore, the use of the term endorsement in this context accurately reflects its role in making amendments to an insurance policy.