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Endorsements – Forgotten Part Of Workers Comp Policy


Workers Comp Endorsements Are Worth a Look

The Endorsements section of a Workers Comp policy is not actually a section.   Endorsements on any policy including Workers Comp are always at the end.  Why?

Vector graphic of endorsements silver shield badge

A policy may be endorsed many times.  I have seen a few that were endorsed almost 200 times.  However, it was a huge policy on a very large national company which had stores in every state.

Every policy has the same section or parts.   One can memorize them by spelling out DICEE.   The parts are Declarations, Inclusions, Conditions,   Exclusions and Endorsements.   The Declarations or Dec Page is what most insurance workers consider the most important part.

The Endorsements are at the end of the policy as they are additions to the policy.    Trying to alter the internal parts of the  policy would cause so much confusion that a flowchart would be needed to keep track of the changes.

The Endorsement part of the policy may not be produced at the time of  inception.  The Endorsements are usually added after a policy begins unless they are used to alter the policy at the beginning.

Man And Woman Endorsements Signing

The Endorsements may come by mail or email as the policy is endorsed each time.   These communications – whether from an agent or directly from the insurance company must be monitored very carefully.

One of the reasons is that anything in the policy may be changed by Endorsement – even the Dec Page which contain your original policy premiums.

I have a policy sitting on my desk which has been endorsed two times resulting in over a 100% increase in the policy premiums even before the premium audit.

Many endorsements are not that important.   However,  who will decide which ones are important or not?  Call your agent if your Workers Comp policy is endorsed to ask your agent any questions.   The endorsement should not be filed away and then ignored until later.

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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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