Which one of the following is used to modify the coverage provided under an insurance policy?

An application is the form completed by the applicant to request insurance coverage. It includes information about the applicant and the risks to be insured but does not modify the policy itself. The application is crucial for underwriting but does not represent any changes to the actual coverage terms once the policy is issued.

A binder serves as a temporary agreement that provides proof of insurance coverage until the formal policy is issued. While it indicates coverage has been agreed upon, it does not modify the terms of an existing policy. Binders are typically used in the initial stages of coverage and do not change the coverage itself.

A certificate of insurance is a document that verifies the existence of an insurance policy and summarizes its coverage details. It is primarily used to provide evidence of coverage to third parties but does not modify the policy's terms or coverage. Certificates are informational and do not affect the underlying policy.