What would typically be considered an endorsement in insurance?

In insurance terminology, an endorsement refers to an amendment or addition to an existing insurance policy that modifies its coverage. It typically provides additional coverage options or alters the terms of the policy in some way. Therefore, identifying an additional coverage option as an endorsement aligns with this definition, as it expands or defines the scope of protection afforded by the original policy.

The other options do not fit the definition of an endorsement. A basic policy provision generally lays out the essential terms and conditions of the insurance contract rather than modifying it. A denial of a claim pertains to the claims process and outcomes of filing a claim rather than changes to policy coverage. A renewal clause outlines the terms under which a policy may be renewed but does not alter existing coverage or terms, thus it also does not qualify as an endorsement.