Which endorsement is used to ensure that the insured's coverage will be primary and noncontributory when coordinating with other insurers?

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

Answer: (C)

The fundamental idea is to control which policy pays first when more than one insurer could respond to a loss. The Primary & Noncontributory endorsement designates the named insured’s policy as the primary payer and prevents it from contributing with other insurers. In other words, the insured’s coverage will pay up to its limits before any other applicable policies contribute, and the primary policy won’t seek a share from others. This is commonly required in contracts with clients, landlords, or other insureds to ensure the party requesting protection isn’t left relying on secondary coverage.

Other endorsements don’t achieve this placement of payment priority: Additional Insured broadens who is covered, Waiver of Subrogation prevents the insurer from pursuing subrogation against the other party, and Newly Acquired Organizations extends coverage to new entities.