Additional Insureds
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Waiver of Subrogation
Requirements
Definition of subrogation and waiver
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Subrogation:
 The assignment to an insurer by terms of the
policy or by law, after payment of a loss, of
the rights of the insured to recover the
amount of the loss from one legally liable for
it.
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CGL Form Language - CG 00 01
Conditions
8. Transfer Of Rights Of Recovery Against
Others To Us
If the insured has rights to recover all or part of
any payment we have made under this Coverage
Part, those rights are transferred to us. The
insured must do nothing after loss to impair
them. At our request, the insured will bring “suit”
or transfer those rights to us and help us enforce
them
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CGL Waiver of Subrogation
Endorsement – CG 24 04
 Only applies to named party
 Only applies to payment for injury or damage
arising out of ongoing operations or “your
work”
 Does not apply to “products”
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Waiver of Transfer of Rights of
Recovery Against Others To Us CG 24 04
We waive any right of recovery we may have
against the person or organization shown in the
Schedule above because of payments we make for
injury or damage arising out of your ongoing
operations or "your work" done under a contract
with that person or organization and included in
the "products-completed operations hazard". This
waiver applies only to the person or organization
shown in the Schedule above.
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Business Auto Coverage Form
Language - CA 00 01
SECTION IV – BUSINESS AUTO CONDITIONS
5. If any person or organization to or for whom
we make payment under this Coverage Form
has rights to recover damages from another,
those rights are transferred to us. That person
or organization must do everything necessary
to secure our rights and must do nothing after
“accident” or “loss” to impair them
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Workers Compensation Coverage
Form Language - WC 00 00 00 A
PART ONE WORKERS COMPENSATION
INSURANCE
G. Recovery From Others
We have your rights, and the rights of persons
entitled to the benefits of this insurance, to
recover our payments from anyone liable for
the injury. You will do everything necessary to
protect those rights for us and to help us
enforce them.
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Workers Compensation Coverage
Form Language – WC 00 00 00 A
PART TWO
EMPLOYERS LIABILITY INSURANCE
H. Recovery From Others
We have your rights to recover our payment
from anyone liable for an injury covered by this
insurance. You will do everything necessary to
protect those rights for us and to help us enforce
them.
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Workers Compensation Coverage
Form Language - WC 00 00 00 A
PART FOUR
YOUR DUTIES IF INJURY OCCURS
5. Do nothing after an injury occurs that would
interfere with our right to recover from others.
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Other Insurance Conditions
Clause Primary and
Noncontributory
Contractual Requirement
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Definition of Noncontributory
 Policy condition that agrees not to seek
contribution from another policy that also applies
to the loss
 This typically applies to primary liability policies,
but can also apply to excess liability policies
 Parties seeking coverage as an additional insured
will often ask for this policy language to protect
their own insurance coverage
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Other Insurance Conditions
Clause Primary and
Noncontributory
 Legality of contractual requirement
 Statutes and court decisions will determine
applicability
 No standard endorsement to provide this
language
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Other Insurance Conditions
Clause Primary and
Noncontributory
 What Does It Mean To The Additional
Insured (And The Named Insured)?

The additional insured does not want their
own insurance to respond to losses until the
policy to which they have been added is
exhausted
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There is more…
 There are over 70 slides in this
presentation and many more
presentations that you will have access to
once you join the University.
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