What is a written contract that encompasses all clauses, riders, endorsements, and papers called?

A written contract that includes all clauses, riders, endorsements, and papers is referred to as a policy. In the context of insurance, the policy serves as the formal agreement between the insurer and the insured, outlining the coverage, terms, conditions, and limitations of the insurance provided.

The policy is a comprehensive document that not only presents the basic coverage but also incorporates any modifications or additions to the coverage via riders and endorsements. These components are essential in providing clarity on what is and isn't covered, as well as any additional terms that may affect the insurance agreement.

Unlike an agreement, which could refer to any mutual understanding between parties, or an appendix, which typically contains supplementary information rather than being the main document, the policy serves as the primary document that governs the insurance relationship. A schedule, while it can list specific coverages or limits within a policy, is not a standalone document that encompasses the entire agreement. Therefore, the term "policy" accurately captures the entirety of the written contract in question.