What term refers to the written agreement between an insurer and the insured?

The term that refers specifically to the written agreement between an insurer and the insured is "policy." In the context of insurance, a policy outlines the coverage terms, conditions, and exclusions applicable to the insurance agreement. It serves as an official document that details what risks are covered, the insured parties, the limits of liability, and the responsibilities of both the insurer and the insured.

While "contract" and "agreement" may seem similar and can describe the nature of the relationship, they are broader terms and do not specifically refer to the insurance documentation. An "endorsement" is an amendment or addition to an insurance policy, modifying its terms or coverage, but it is not the primary written agreement itself. Hence, understanding the distinction is crucial, as the policy is the foundational document that governs the insurance arrangement.