What Is an Insurance Rider?

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An insurance rider offers changes to basic insurance coverage. It also helps policyholders create customized coverage. Insurance riders offer additional coverage to address various small business risks. They can also let you increase your coverage limits on a seguro para pequeñas empresas policy.
 
Insurance riders, also known as endorsements, are common on different policies, such as:
 
You’ll have to pay an additional cost for each insurance rider that you have on your policy. So, you’ll have higher insurance premium payments.
 

How Do Insurance Policy Riders Work?

insurance riderInsurance riders change the base policy coverage. They can either extend policy limits or provide more coverage for different risks. Knowing your business' risks can help you figure out the different types of riders you'll need.
 
For example, on a life insurance policy, you can get a guaranteed insurability rider. This lets a policyholder increase the coverage on their policy without needing another medical exam.
 
For small business insurance, you can get an insurance rider to protect against risks. For example, you can get an endorsement to protect against liability risks due to your products and services.
 

Why Are Insurance Riders Important?

Not every business is the same or faces the same risks. Insurance riders let you create a customized policy to address your needs.
 
Sometimes, the base coverage for common business insurance policies don’t offer enough protection or your business may have changed over time. When this happens, you need to get insurance riders to protect against new risks.
 

Common Ways To Modify Your Small Business Insurance With Riders

What is an insurance riderYou can change your small business insurance with different riders or endorsements. Some common ways to do this include:
 
Remember, these are just a few insurance rider examples. There are many insurance riders that business owners can get. You can work with our specialists to find the right ones that your business may need.
 

Learn if an Insurance Rider Is Right for You From the Professionals at The Hartford

Insurance policy riderMake sure you’re working with an insurance company that has your best interest in mind. Not all insurance companies are the same. We’re backed by more than 200 years of experience and if the unexpected happens, we’ve got your back.
 
We pride ourselves on understanding the risks you face. With us, you'll know you're getting the coverage and insurance riders you need.
 
Obtenga una small business insurance quote today and see how we can help you.
 
 
Última actualización: 30 de junio de 2022
 
Divulgaciones adicionales a continuación.
The Hartford no será responsable de ningún daño relacionado con el uso de la información proporcionada en esta página. Consulte con su agente/corredor de seguros o compañía de seguros para determinar las necesidades específicas de cobertura, ya que el contenido publicado aquí se ofrece con fines informativos solamente.
 
La información contenida en esta página no debe interpretarse como asesoramiento legal, de Recursos Humanos, financiero o de seguros específico, y no es una garantía de cobertura. En el caso de una pérdida o reclamación, las determinaciones de cobertura estarán sujetas al lenguaje de la póliza, y cualquier pago de reclamación posible se determinará luego de que se investigue la reclamación.
 
Ciertas coberturas varían según el estado y es posible que no estén disponibles para todas las empresas. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. listed in the Aviso legal.
 
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.