A state and subdivision permit endorsement is a type of endorsement that can be added to an insurance policy to provide coverage for certain permits and licenses that are required by state and local governments. These permits and licenses can include building permits, zoning permits, and other types of approvals that are required for construction or other business activities.

The state and subdivision permit endorsement covers the cost of obtaining and maintaining the required permits and licenses, as well as any legal fees or fines that may be incurred as a result of violations of these permits and licenses. This endorsement is typically available for businesses that are involved in construction or other activities that require a significant number of permits and licenses from state and local governments.

By adding a state and subdivision permit endorsement to their insurance policy, businesses can protect themselves from the financial impact of obtaining and maintaining the required permits and licenses. This can help businesses to avoid delays and disruptions to their operations caused by issues related to permits and licenses.