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Endorsement meaning

What does Endorsement mean?
In insurance practice, an endorsement is a written amendment to a policy. A policy endorsement records agreed changes to the policy wording or schedule, for example adding or tightening an exclusion, varying the sum insured or limit of indemnity, changing the subject-matter or insured parties, altering territorial limits or conditions, or extending or shortening the policy period (often with a premium adjustment). Endorsements are contractual variations agreed between insurer and insured (commonly via a broker). Once issued, they form part of the policy and typically override conflicting standard terms; they state an effective date and may apply from inception or as a mid-term adjustment. Clear drafting and proper incorporation are critical, as courts construe endorsements as part of the insurance contract. The term is not defined in UK or Irish insurance legislation; it is a market term, sometimes called a rider or addendum, and is recognised in case law as a policy amendment. Usage is broadly consistent across England and Wales, Scotland, Northern Ireland and Ireland. Practical points: confirm the insurer’s authority for any broker-issued endorsement, ensure delivery to the insured, and assess impacts on warranties, conditions precedent and disclosure obligations.
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View the related Checklists about Endorsement

CHECKLISTS
Legal Entity Identifiers (LEIs) and the Global LEI System: Regulatory and Reporting Developments Timeline, 2019–2023 [Archived]

ARCHIVED : This Practice Note is archived and is no longer maintained. The LEI is a 20-character, alphanumeric identifier created by the International Organisation for Standardisation (ISO). Under Article 5 of Commission Delegated Regulation (EU) 2017/590, a Level 2 instrument under MiFID II, from 3 January 2018 firms carrying out transactions must hold a valid LEI at all times and ensure their LEI is used to identify them in transaction reports. For detail on this obligation, refer to Practice Note: EU MIFID II & MIFIR—Transaction Reporting. The Global LEI System High Level Principles and the FSB’s recommendations were issued in 2012 and received G20 endorsement...

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CHECKLISTS
Court appointment of administrators in England and Wales: checklist, timeline, service, hearing and post-appointment notices (IR 2016/IA 1986)

Checklist This Checklist outlines the actions required to appoint an administrator via the court route. Use it together with these Practice Notes: Court appointments—who may apply and in what situations? Court appointments of administrators—the procedure Application Step 1 Prepare the papers for the application, namely: administration application witness statement supporting the administration application proposed administrator’s statement and consent to act Links to the relevant Forms/Precedents appear at the end of this Checklist. Time: Day 1 Section/rule: Insolvency (England and Wales) Rules 2016 (IR 2016), SI 2016/1024, rr 3.2, 3.3 and 3.6 Step 2 File all of the above at court with the correct fee (see the Practice Note: Court fees in insolvency proceedings). Provide additional copies for service (see step 3 below regarding who must be served); these should be lodged for court endorsement and then served. The court will list a venue, date and time for the...

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NEWS
UK Public Law Weekly: Windsor Framework review, Brexit SIs, Procurement Act guidance, Lords reform, judicial review on licensing and parole, Russia sanctions appeal, ECHR rulings, 16 January 2025

In this issue: Brexit highlights Brexit SIs Post-Brexit transition guidance Public procurement Constitutional and administrative law Judicial review Equality and human rights State security and intelligence Daily and weekly news alerts New and updated content Dates for your diary Trackers Useful information Brexit highlights NIO publishes Terms of Reference for Independent Review of Windsor Framework The Northern Ireland Office has released the Terms of Reference for an Independent Review of the Windsor Framework, as required by Schedule 6A to the Northern Ireland Act 1998. Initiated after a consent motion cleared the Northern Ireland Assembly without cross-community endorsement, the review will consider how the Framework is working and its influence on social, economic and political life in Northern Ireland. It is consistent with undertakings in the October 2019 Unilateral Declaration and the January 2024 Safeguarding the Union Command Paper. The resulting findings will be submitted to the UK Government, supplying vital...

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NEWS
England and Wales property disputes weekly: BSA 2022 cladding/service charges, trust writing formalities, insolvency possession, nuisance, client money penalties, social housing hazards, Welsh rent standard (2 October 2025)

In this issue: Enforcing security and property insolvency Service charges Disputes and remedies Repairing obligations and dilapidations Residential tenancies Rent and rates Contractual issues Additional Property Disputes updates LexTalk®Property Disputes: a Lexis®Nexis community Daily and weekly news alerts New and updated content Dates for your diary Latest Q&As Enforcing security and property insolvency Applications for possession and sale of the family home in bankruptcy (Armstrong v Temblett) The matter involved an application by Mr Armstrong, acting as trustee in bankruptcy (the trustee), seeking an order for possession and sale of Mrs Vanessa Temblett’s London property, jointly owned with her husband (the London property). The court determined that, under section 335A of the Insolvency Act 1986 (IA 1986), the trustee was entitled to possession and sale, as no exceptional circumstances were identified to rebut the statutory presumption that creditors’ interests prevail over other factors. The judgment highlights the need for practitioners...

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NEWS
EU law weekly update: CJEU Teva ruling; cybercrime convention; EWC reform; SREP consultation; plastics and soil directives; Solvency II changes; compulsory licensing; AI/DSA actions; DC-EDIC (30 October 2025)

In this issue: Competition and state aid Data protection and cybersecurity Free movement, immigration and employment Financial services Environment Insurance and reinsurance IP Life sciences TMT Daily and weekly news alerts New and updated content Trackers Competition and state aid Antitrust—Court of Justice dismisses Teva and Cephalon’s appeal against ‘pay-for-delay’ fines The Court of Justice has handed down its judgment in Case C-2/24 P, Teva Pharmaceutical Industries and Cephalon v Commission, challenging the General Court’s judgment in Case T-74/21 that upheld the Commission’s 2020 fines for a pay-for-delay arrangement which postponed the entry of a generic form of modafinil. The Court rejected the appeal in full. See News Analysis: EU Competition law—daily round-up (23/10/2025). Data protection and cybersecurity Commission releases internal Cloud Sovereignty Framework The European Commission has published an internal Cloud Sovereignty Framework laying down baseline requirements to ensure that processing and storage of data within EU...

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View the related Practice Notes about Endorsement

PRACTICE NOTES
Canada’s influencer marketing legal framework: material connection disclosures, enforcement and sanctions, and key terms for brand–influencer agreements

This Practice Note is chiefly intended for brands seeking to collaborate with social media influencers (or other talent) on targeted social marketing campaigns and advertising promotions in Canada... Applicable regulations, codes and guidelines In Canada, the relationship between influencers and brands is largely governed by the federal Competition Act, R.S.C. 1985, c. C-3, together with relevant regulatory and industry guidance. The Act broadly prohibits representations that are false or misleading in a material respect. These misleading advertising provisions apply to influencer activity in the same way as any other marketing, and extend to statements made by influencers to the public. Under the Competition Act, the federal Competition Bureau oversees influencer marketing, including deciding what constitutes a ‘material connection’ between an influencer and a brand and the related disclosure obligations, which are discussed in detail below. The Competition Bureau may seek administrative remedies for misleading advertising as a civil offence, or pursue prosecution where misrepresentations are made knowingly or recklessly as a criminal offence. The criminal misleading advertising...

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PRACTICE NOTES
UK Sustainability Disclosure Requirements: regulatory overview of UK SRS (IFRS S1/S2), FCA alignment for listed issuers, transition plans, assurance oversight, ESG ratings regulation, investment labels and Green Taxonomy developments

This Practice Note explores aspects of, and specifically, the government’s work on developing the UK Sustainability Reporting Standards. The UK government has pledged to establish a UK Sustainability Disclosure Requirements (SDR) regime that consolidates new and existing sustainability reporting obligations for businesses, the financial sector and investment products. Its objective is a single, integrated framework of sustainability‑related disclosure requirements and metrics, so investors receive clear, comparable information to support their decision‑making. A key element of the UK SDR regime is the introduction of UK Sustainability Reporting Standards—reporting standards for use by certain UK companies and businesses to disclose sustainability‑related information. These standards emphasise sustainability‑related risks and opportunities. This Practice Note concentrates on the creation of the UK Sustainability Reporting Standards (UK SRS) and proposals for transition plan disclosures. Within Greening Finance: A Roadmap to Sustainable Investing (October 2021) (Roadmap), the government identified three types of disclosure to fall within the UK SDR regime: corporate disclosure: new requirements for companies to provide sustainability disclosures (at the...

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PRACTICE NOTES
UK public takeovers: share dealings and stakebuilding before and during an offer - restrictions and obligations under the Takeover Code, UK MAR and related law

Dealing in shares and related interests Trading in shares and associated interests of the offeree and of any offeror or would-be offeror, whether ahead of or during an offer, can carry material weight in a public takeover, as each side looks to secure tactical or strategic leverage by building up (or divesting) positions over time if feasible. This is often most acute in contested bids, or where the offeror seeks the offeree board’s endorsement of the transaction in particular. Any securities dealings connected to a takeover bid, before, during, or after the offer period, may fall under legal and regulatory constraints that can restrict or bar such activity in whole or in part. These rules on trading in shares and related interests are extensive and intricate. Prospective offerors should familiarise themselves, well in advance of approaching a potential offeree, with the distinct yet overlapping regulatory regimes that underpin these constraints. Moreover, transactions in shares and other securities of parties to an offer may trigger disclosure under several separate legal...

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View the related Precedents about Endorsement

PRECEDENTS
Insolvency Act application notice precedent to fix an office-holder’s remuneration under IR 2016 r 18.23 in liquidation or administration (England and Wales)

INSOLVENCY ACT APPLICATION NOTICE Case No: [ insert case number ]. Court: High Court (Business and Property Courts, Insolvency and Companies List (ChD)) OR Business and Property Courts in [ insert location ] OR County Court at [ insert location ] (Business and Property Work). In the matter of [ insert company’s name ] and the Insolvency Act 1986. Parties: [ Insert Applicant(s) ] v [ Insert Respondent(s) ]. Under IR 2016 r 18.23. Parties and addresses: Applicants [ names/addresses ]; Respondents [ names/addresses ]. Application relates to [ details ]. Judge: [ level ]. Venue: [ court/hearing centre ]. Ref: [ number ]. Orders sought: Fix remuneration at £[ insert sum ] plus VAT; disbursements £[ insert sum ]. Costs to be an expense of the [ liquidation/administration ]. Any further order or relief the court considers appropriate. Grounds: witness statement of [ name ], dated [ date ]. Service/notice: [ names/addresses, if any, or none ]. Address for...

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PRECEDENTS
Skilled Worker entry clearance approval—client email template covering eVisa set-up, right to work, conditions, dependants, travel, updates and settlement—UK

Dear [ Applicant ], Your Skilled Worker visa I am pleased to confirm that your Skilled Worker visa has been approved. [ The visas for your dependant family members have also been approved ] . Initial entry and your eVisa You [ and your dependants ] have been granted immigration permission from [ Start date ] to [ End date ]. The Home Office has issued a visa for you [ and your dependants ] in digital format (also called an ‘eVisa’). Consequently, you [ and your dependants ] will not receive an endorsement in your passport [ s ] or any physical document confirming the grant of permission. [ Your permission is linked to your biometric passport used in your visa application. Please use the same passport to enter the UK. Before you travel to the UK, you will [ each ] need to create a UKVI account to access your eVisa and link it to your passport. To do this, go to the Home...

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PRECEDENTS
Precedent application notice (bankruptcy): s.284 Insolvency Act 1986 declaration of void post-petition disposition, restoration order and costs (England and Wales)

INSOLVENCY ACT APPLICATION NOTICE Note: Use with an application notice template compliant with the Insolvency (England and Wales) Rules 2016, SI 2016/1024 (Form IAA), IR 2016, r 1.35... Case No: [insert]. [In the High Court of Justice, Business and Property Courts (Insolvency and Companies List (ChD)) in England and Wales or in [location]; or in the County Court at [location], Business and Property Work]... In the matter of [bankrupt’s name] (In Bankruptcy) and the Insolvency Act 1986. Between [Applicant(s)] and [Respondent(s)]. Application under section 284... Applicant(s): [names/addresses]. Respondent(s): [names/addresses]. The application concerns [details of the relevant bankruptcy]. To be heard by [level of judge] at [court/hearing centre]. Within existing insolvency proceedings? YES/NO. Court reference: [insert]... Declaration that [the disposition] is void under section 284. Order restoring the position as if the disposition had not occurred. Order that the Respondent(s) pay the Applicant(s)’ costs. Further or other relief as the Court considers appropriate. Grounds: set out in the...

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