Final answer:
A client must first have a basic insurance policy before they can add Optional Coverages. These are additional protections like endorsements or riders that extend the coverage of the standard policy.
Step-by-step explanation:
Before a client can add Optional Coverages to their insurance policy, they must first have a basic insurance policy in place. Optional Coverages, also known as endorsements or riders, are additional protections that can be purchased to cover areas not included in the standard policy. For example, if a client wishes to have comprehensive coverage on a vehicle, which covers non-collision-related incidents, they would initially need to have the basic liability coverage that is legally required. Once the foundational policy is secured, the client can then opt for other coverages such as collision, comprehensive, or uninsured motorist protection depending on their needs and the options provided by their insurance company.