Rider
Also called: endorsement, policy add-on
A rider is an add-on that changes a policy's standard terms — scheduling a valuable item above its sub-limit, adding accidental death cover to a life policy, waiving premiums during disability. Riders are how a standard contract is fitted to a non-standard situation. They're also a profitable product line, so each one deserves the same test as the base policy: does it cover a loss you genuinely couldn't absorb?