除“骑手”等常用含义外，根据《元照英美法词典》可知，“rider”有四种含义，即：(1)(文件的)附件；但书；(2)(保险单的)批单；附加条款；(3)法律的附加条款；(4)(陪审团对其裁断的)附加意见。

在保险领域，是指附加在保险单之后的条款，通过扩大或限制相关权益以及排除一些特定的承保责任来改变保险单的承保条件。

例句1：

原文：

An insurance endorsement/rider is an amendment to an existing insurance contract that changes the terms of the original policy. An endorsement/rider can be issued at the time of purchase, mid-term or at renewal time. Insurance premiums may be affected and adjusted as a result.

You can have an endorsement/rider on your homeowners and renters policy, life insurance and auto insurance policies. It can include adding or deleting people and locations to your current insurance policy. Endorsement/riders are important because they address issues or items not in the original contract or policy.

• Additional Coverage-An endorsement that adds or includes coverage that would otherwise be excluded.

• Exclusions- Some endorsements exclude coverage for certain types of claims.

• Modification of Coverage- An endorsement can expand the scope of existing coverage.

译文：

保险批单/附加条款是现有保险合同的附加条款（改变原保单的条款），可在购买之时、期中或续期之时出具，保费可能会受到影响并进行调整。

比如，房主与租户保险、人寿保险和汽车保险可以附上保险批单/附加条款，其中包括增减现有保单所涉人员及地点。保险批单/附加条款之所以重要是因为其涉及的是与原合同或保单不相关的问题或事项。

•增加承保范围——增加或包含本会被排除的承保范围。

•排除承保责任——排除承保某些特定索赔。

•变更承保范围——扩大现有承保范围。

（附于合同之后的）附件

例句2：

原文：

In the event of any inconsistency or conflict between the terms and provisions of this Rider and those contained in the printed portion of the Contract of Sale to which this Rider is attached, the terms and provisions of this Rider shall govern and be binding.

译文：

若本附件的条款和规定与本附件所附销售合同的条款和规定出现任何不一致或冲突，则以本附件的条款和规定为准，且本附件的条款和规定具有约束力。

在英美国家，现指通常为获得某一有别于立法机关议案之目的而附加于议案的条款或规定。

例句3：

原文：

In the legislative context, the U.S. Senate glossary describes rider as an “[i]nformal term for a nongermane amendment to a bill or an amendment to an appropriation bill that changes the permanent law governing a program funded by the bill.” That is, a rider is an amendment to a law or new law that is attached onto a bill, but is not directly related to that bill. 

译文：

在立法背景下，美国参议院术语表将“附加条款”解释为“法案的非相关修正案或拨款法案的修正案（改变了适用该法案资助项目的永久性法律）”。换句话说，附加条款是指法律修正案或附于法案的新法律，但与该法案不具有直接相关性。

来源：

《元照英美法词典》；

https://www.law.cornell.edu/wex/rider；

https://www.ldi.la.gov/docs/default-source/documents/publicaffairs/january-insurance-101-endorsement-or-rider.pdf?sfvrsn=65e04d52_6；

https://nysba.org/NYSBA/Downloadable%20Forms/Real%20Estate%20Transactions%20Residential%20Property/RE026small.pdf