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Understanding Insurance Endorsements: Additional Insured, Waiver of Subrogation, and More

Contractors and business owners often hear terms like “Additional Insured” or “Waiver of Subrogation.” These aren’t just buzzwords. They are specific insurance endorsements. Clients or general contractors usually request them. Understanding what they mean can protect your business and ensure contract compliance.

Let’s break down these important endorsements.

Additional Insured

An Additional Insured is a person or company added to another party’s policy. This endorsement gives them coverage under your insurance.

For example, a subcontractor adds a general contractor as an additional insured. If something goes wrong, the GC gets protection under the subcontractor’s policy.

People often ask for this to gain protection without using their own policy. It shifts liability and saves them money.

Source: IRMI on Additional Insureds

Waiver of Subrogation

Subrogation is an insurer’s right to seek reimbursement from a third party. A Waiver of Subrogation means the insurer gives up this right.

Imagine your insurance pays a claim caused by someone else. Normally, your insurer could sue them. With a waiver, they won’t.

This endorsement helps prevent lawsuits between business partners after a claim. It also supports stronger business relationships.

Source: National Association of Insurance Commissioners (NAIC)

Primary and Non-Contributory Wording

This one confuses many people. Here’s the simple version:

Primary and Non-Contributory means your insurance pays first. The other party’s insurance does not share the cost.

Many contracts include this requirement. It protects the other party’s policy limits and avoids disputes over who pays.

Always check with your agent to make sure your policy includes this if required.

Source: IRMI on Primary and Noncontributory

30 Days’ Notice of Cancellation

This clause requires your insurer to notify another party if they cancel your policy. Usually, they must give 30 days’ notice.

That notice matters. It keeps everyone informed, allows time to fix coverage gaps, and keeps you compliant with contract terms.

Often, this requirement protects landlords, project owners, or municipalities relying on your insurance.

Source: ISO Forms – ACORD Certificates

Final Thoughts

These endorsements are not just legal add-ons. They shift liability, ensure communication, and protect business relationships.

So next time someone asks for them, you’ll know exactly what they mean—and why they matter.

Want help reviewing your policy? Contact Saberlines Insurance. We can add the right language and make sure you’re covered.

At Saberlines Insurance, we’re able to issue these endorsements with any type of policy, as applicable, ensuring your coverage meets contract requirements with ease and efficiency.