Evaluate impact of endorsements on policy premiums

Trigger: A policyholder or agent submits a request to add, remove, or modify coverage on an active property or casualty insurance policy.

1. Receive endorsement request details
2. Verify active policy status and current limits
3. Analyze new risk factors introduced by the change
4. Calculate the resulting premium adjustment
5. Generate the revised premium quote
6. Communicate the rate change to the requester

Outcome: The insurer calculates the new premium rate, updates the policy file, and communicates the financial impact to the policyholder.