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Glossary
The contract

Endorsement

Also: Supplement

Document that modifies a contract in force. It forms part of the policy from its issuance.

In practice

A new building, an incorporated subsidiary, or an installed machine are only covered when there is an endorsement. Until then, there is an intention, and an intention does not indemnify.

Related terms

Particular conditionsDocument that records what is specifically agreed for a particular contract: sums, guarantees, deductibles, and risk data.Aggravation of riskChange in declared circumstances that increases the probability or intensity of the claim. The policyholder must communicate it as soon as possible.Cover noteProvisional document that certifies the existence of cover while the definitive policy is issued.AccidentEvent of violent, sudden, external cause beyond the insured's will that causes bodily or material damage.Direct action of the injured partyRight of the person who has suffered damage to claim compensation directly from the insurer of the responsible party, without going through them.InsuredHolder of the interest exposed to the risk. May or may not coincide with the policyholder, who is the one who signs the contract and pays the premium.
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