Endorsement

An endorsement (amendment) to an insurance policy. Endorsements modify the terms, coverages, or conditions of the base policy.

Structure

Name	Card.	Type	Description
REndorsement			An endorsement (amendment) to an insurance policy.
●endorsementNumber	0..1	string	Endorsement number or identifier
●type	1..1	CodeableConcept	Type of endorsement. terminology
●effectiveDate	1..1	string	Date the endorsement becomes effective.
●description	0..1	string	Description of what the endorsement changes
●premiumChange	0..1	Money	Total premium change resulting from this endorsement (positive = additional, negative = return)
[ ]changes	0..*	EndorsementChange	Atomic changes made by this endorsement, broken down by coverage
●document	0..1	Attachment	Reference to the endorsement document/form

Example

{
  "endorsementNumber": "END-002",
  "type": {
    "text": "Mid-Term Modification"
  },
  "effectiveDate": "2025-09-01",
  "description": "Increase GL limits and add Hired & Non-Owned Auto",
  "premiumChange": {
    "value": 3200,
    "currency": "USD"
  },
  "changes": [
    {
      "coverage": {
        "reference": "Coverage/cov-gl-001",
        "display": "General Liability"
      },
      "action": "modify",
      "limits": [
        {
          "type": {
            "text": "Each Occurrence"
          },
          "amount": {
            "value": 2000000,
            "currency": "USD"
          }
        }
      ],
      "premiumChange": {
        "value": 2500,
        "currency": "USD"
      },
      "description": "Increase each-occurrence limit from $1M to $2M"
    },
    {
      "coverage": {
        "reference": "Coverage/cov-gl-001",
        "display": "General Liability"
      },
      "action": "modify",
      "coverageExtensions": [
        {
          "type": {
            "text": "Hired & Non-Owned Auto"
          },
          "included": true,
          "sublimit": {
            "value": 1000000,
            "currency": "USD"
          },
          "additionalPremium": {
            "value": 700,
            "currency": "USD"
          }
        }
      ],
      "premiumChange": {
        "value": 700,
        "currency": "USD"
      },
      "description": "Add Hired & Non-Owned Auto extension"
    }
  ]
}

JSON Schema

Full JSON Schema: Endorsement.schema.json