Which endorsement is typically used to protect a party from subrogation claims, often required by contract?

• A. Additional Insured
• B. Newly Acquired Organizations
• C. Waiver of Subrogation
• D. Primary & Noncontributory

Answer: (C)

Subrogation is the insurer’s right to go after a third party to recover the amount paid for a loss. A Waiver of Subrogation endorsement removes that right, meaning the insurer will not pursue the other party for reimbursement and the other party isn’t exposed to subrogation claims. This endorsement is commonly required by contract—think leases, service agreements, or construction contracts—so the parties can transfer risk without the possibility of cross-claims after a loss. Often the waiver is mutual, protecting both sides from subrogation against each other.

Other endorsements don’t accomplish this specific protection. An Additional Insured extends coverage to another party but doesn’t waive the insurer’s subrogation rights. Newly Acquired Organizations simply broadens who’s covered if a new entity is formed or acquired. Primary & Noncontributory makes the insured’s coverage primary and noncontributing with other insurers, but it doesn’t address waiving subrogation.