What must be obtained for a policy to be endorsed in the event of changes in the coverage?

To endorse a policy, which usually involves making changes to the coverage, written consent from the insurer is required. This process ensures that the insurer formally agrees to the amendments being made to the policy. Such changes might include increasing or decreasing coverage limits, adding or removing insured locations, or modifying policy terms.

Having written consent provides both parties—insurer and insured—with a clear and documented agreement of the changes, which helps in maintaining transparency and accountability. This written agreement protects the interests of all involved, ensuring that the terms are enforceable and understood.

Other options may involve necessary communications or documentation in the insurance process but do not specifically hold the same weight or requirement as the written consent from the insurer when it comes to modifying existing coverage.