Who is responsible for writing an endorsement in an insurance policy?

The correct answer is that underwriters are responsible for writing an endorsement in an insurance policy. An endorsement is a document that alters or adds to the terms of an existing insurance policy. Underwriters are tasked with evaluating risks and determining the terms and coverage of policies, which includes crafting endorsements to ensure that specific risks or coverage changes are clearly documented.

Underwriters possess the expertise to assess the nuances of various risks associated with insurance applications. They analyze policyholder information and, when necessary, write endorsements to modify coverage or clarify terms based on the specific needs of the policyholder or changes in the risk profile.

While policyholders can request endorsements and insurance agents often facilitate communication between clients and underwriters, it is ultimately the underwriting department that drafts and finalizes these legal documents. Claims adjusters, on the other hand, typically engage with the claims process and assess losses but do not write endorsements. Thus, the role of underwriters is crucial in creating endorsements that accurately reflect the terms of an insurance policy.