An insurance endorsement (also called a "rider") is a provision added to, excluding or modifying coverage in an insurance policy. Common endorsements include:

• Blanket Coverage: eliminates separate schedules for buildings and structures

• Contingent Liability: coverage for responsibility of others imposed by law or contract

• Demolition Endorsement: covers the cost of tearing down a structure and removing the debris after a major loss

• Employment Practices Liability (EPL): covers lawsuits filed against the association by employees fo the association

• Landscape Coverage: includes theft, vehicle damage, wind damage

• Replacement Cost: pays 100% of the cost of reconstruction, including code upgrades

• Waiver of Subrogation: waives right to pursue recovery of damages from a unit owner