In the context of insurance, what can an endorsement NOT do?

An endorsement is a provision added to an insurance policy that modifies the original terms, which can include adjustments to coverage limits, the addition or removal of specific coverages, and changes to premium amounts based on those modifications. However, an endorsement cannot cancel the entire insurance policy.

Cancellation of a policy typically involves a formal process that usually requires notice and specific statutory compliance rather than being simply an alteration through an endorsement. Endorsements are meant to enhance or adjust the coverage of an existing policy but do not have the authority to terminate the policy altogether. This distinction underlines the limitations of what endorsements can achieve within the framework of an insurance contract.