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How to Alter Insuring Agreement

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hello my name is jace brown im an attorney with kiesa shahenia and john tomasi in west orange new jersey today im going to be giving a short presentation on what is an original under insuring agreement e of a financial institution bond for those unfamiliar with the financial institution bond a financial institution bond is a fidelity bond that covers loss for financial institutions associated with among other things counterfeit documents forge documents and altered documents the objectives of this presentation number one is to understand that not all financial institution bond forms define the term original the older ones do not define the term original and the newer ones do second objective is to understand the purpose of the original requirement in ensuring agreement e which we will discuss momentarily and the third require excuse me the third objective is to examine case law addressing what constitutes an original under ensuring agreement e in those circumstances where the term i

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What is an insurance addendum?

An insurance addendum would add or remove what is included in the coverage of an insurance policy. An insurance addendum may result in the insurance premiums being altered. Insurance addendums are common because most insurance policies are standard but the standard policies may not work well for every individual.

What do you call an addendum to an addendum?

Use addenda when you have more than one addendum.

What is alteration of risk?

An alteration of the risk occurs when there is a change in the circumstances which, ing to the contract, are to form the basis of the insurance, and the risk is thereby altered contrary to the implied conditions of the contract.

What is a document added to an insurance contract to modify it called?

An insurance endorsement/rider is an amendment to an existing insurance contract that changes the terms of the original policy. An endorsement/rider can be issued at the time of purchase, mid-term or at renewal time. Insurance premiums may be affected and adjusted as a result.

What is an amendment to a contract?

A contract amendment is a change, correction, clarification, or deletion to an agreement you have already signed. An amendment leaves your original agreement substantially intact.

What is included in the insuring agreement?

Insuring Agreement The portion of an insurance contract that describes what is covered. The insuring agreement usually states the perils insured against, the person(s) and/or property covered, the property locations, and the period of the contract.

What is an annex or addendum?

An addendum is an annex or supplement to a document. When used in relation to a contract, it is a document that modifies the original terms of the agreement. Addenda are typically used to update an existing agreement or to include additional information that was not originally part of the document.

What do you call a document added to a contract?

A contract addendum is a post-contract attachment that modifies, alters, or totally changes some of the terms of a previously established contract. Typically, this adds something new to a preexisting document. Once all parties named in a contract agree to an addendum, it becomes a part of the new contract.

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