Which statement best describes how endorsements to an Employers Liability policy may modify coverage?

Which statement best describes how endorsements to an Employers Liability policy may modify coverage?

• A. Endorsements never affect coverage
• B. Endorsements may modify coverage to address specific exposures such as contractual liability or co-employment
• C. Endorsements only adjust premiums
• D. Endorsements may modify coverage to address ongoing or unforeseen exposures, including contractual liability or co-employment

Answer: (D)