Also known as: Subrogation Waiver · WOS
An endorsement where your insurer gives up the right to recover claim costs from a third party.
Subrogation lets your insurer recover money from a responsible third party after paying your claim. A waiver of subrogation means your insurer gives up that right against a specific party named in the waiver—typically the client, landlord, or general contractor you've agreed by contract to protect—so a covered loss doesn't damage that business relationship. That party is often also an additional insured, but the two are separate endorsements.
"Vendor shall provide a waiver of subrogation in favor of Client on all required policies, as required by written contract."
Subrogation is your insurer's right to recover money from a third party who caused a loss after paying your claim. For example, if a vendor's negligence caused damage and your insurer paid the claim, your insurer could sue the vendor to recover costs. A waiver of subrogation gives up this right.
Usually not. Many GL policies include blanket waiver of subrogation at no additional cost when required by written contract, though this varies by carrier and policy form. Some specialty policies may charge a small additional premium.
Definitions are educational and may be modified by your specific policy language, endorsements, and state rules. For regulatory guidance, refer to the California Department of Insurance or the NAIC.
Last updated: July 2026.