Which of the following Insurance Coverage items are purchased as a Rider?

Insurance riders are additional provisions or endorsements added to an insurance policy that modify the coverage provided by the original policy. These can enhance a policy by adding specific coverages that are not included in the standard policy.

Broad indemnity is typically purchased as a rider because it expands the coverage in a general liability insurance policy. This rider provides financial protection against a wide range of liabilities and can be particularly beneficial for contractors who aim to protect their business from various unforeseen circumstances.

The other options are generally stand-alone coverages. For example, flood insurance is often a separate specific policy or endorsement due to the unique risks it covers; it is rarely included as a rider in most homeowner or general liability policies. Soil erosion insurance also tends to be a separate type of coverage rather than a rider because of its specialized nature related to environmental and geographical risks. Similarly, rail and marine workers' compensation coverages are specific to industries and are not typically offered as additional riders on standard policies.