An endorsement in an insurance policy can

• A. Only add coverage.
• B. Change policy term.
• C. Only delete insureds.
• D. Include or exclude coverage and insureds.

Answer: (D)

Endorsements are written amendments to a policy that modify its terms. They can broaden or narrow what is covered and who is insured, by adding or removing coverage or by adding or deleting insured parties. That makes the statement that an endorsement can include or exclude coverage and insureds the most accurate description. Endorsements can also adjust other aspects like limits or deductibles, but the key idea is that they change coverage and who is protected. The other options are too narrow or incomplete because endorsements are not limited to just adding coverage, deleting insureds, or changing the policy term.