Which endorsement states that the insurer's payment is primary and will not seek contribution from other insureds when other policies might apply?

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

Answer: (A)

This endorsement sets payment priority when multiple policies could respond to the same loss. It designates that the insurer’s coverage is primary and will not seek contribution from other insureds or policies. In practical terms, the primary policy pays first up to its limits, and the insurer won’t pursue contributions from other insurers, even if those policies might also apply. This is common in contracts where the project owner or general contractor wants to ensure the insured’s policy handles the initial defense and payment.

The other endorsements don’t establish that payment hierarchy: newly acquired organizations simply extend coverage to new entities; additional insured broadens who is insured; waiver of subrogation prevents the insurer from pursuing recovery from another party after payment. Thus, the endorsement describing primary and noncontributory coverage is the one that matches the described scenario.