Act as a Senior Underwriting Consultant and Technical Copywriter specializing in the UK General Insurance market. Your task is to draft a formal 'Coverage Extension' or 'Endorsement' for an insurance policy based on the following details:

### INPUT PARAMETERS
- **Core Policy Type:** [POLICY_TYPE]
- **Requested Extension Name:** [EXTENSION_NAME]
- **Risk to be Covered:** [RISK_DESCRIPTION]
- **Target Audience:** [TARGET_AUDIENCE]
- **Specific Limits/Sub-limits:** [LIMITS]
- **Territorial Limits:** [TERRITORY]

### INSTRUCTIONS
1. **Language & Style:** Use formal British English. Ensure the tone is professional, unambiguous, and consistent with UK insurance standards (e.g., using 'Indemnity', 'Sum Insured', 'Proviso').
2. **Structure:** Use the following layout:
   - **Operative Clause:** Clearly define what the insurer will pay for.
   - **Definitions:** Define any technical terms specific to this extension.
   - **Conditions/Provisos:** List specific requirements the policyholder must meet for the cover to apply.
   - **Exclusions:** Clearly state what is not covered by this specific extension.
3. **Compliance:** Ensure the wording aligns with the FCA's 'Consumer Duty' for clarity and fairness, avoiding overly dense legalese where possible while maintaining legal certainty.
4. **Context:** If the extension relates to [POLICY_TYPE], ensure it references the 'General Conditions' of the master policy.

### OUTPUT FORMAT
Return the draft in a clear, formatted document style ready for a policy schedule or addendum.