Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Auto)
Waiver of subrogation on the Business Auto policy — the auto-policy companion to CG 24 04.
What it actually does
CA 04 44 is the waiver of subrogation endorsement on the Business Auto policy. It waives the auto insurer's right to recover payments from a person or organization to the extent the named insured has agreed in a written contract, executed before the loss, to waive those rights — for a loss arising out of the operation of covered autos.
It's the auto-policy counterpart to the CGL's CG 24 04 and the workers' comp WC 00 03 13. When a subcontract requires a waiver of subrogation "on all policies," the auto waiver is the piece most often forgotten, because reviewers focus on the CGL and WC.
When verifying, confirm CA 04 44 is attached to the Business Auto policy and that a written contract requiring the waiver exists. Like the other waivers, it protects the contracting relationship by preventing the sub's auto insurer from pursuing the GC after paying an auto claim.
Verification checklist
- 01Confirm CA 04 44 is attached to the Business Auto policy when an auto waiver is required.
- 02Verify a written contract requiring the waiver was executed before the loss.
- 03Cross-check that CGL (CG 24 04) and WC (WC 00 03 13) waivers are also present if the contract says 'all policies'.
- 04Confirm the policy period covers the work.
Common mistakes
- ·Getting the CGL and WC waivers but forgetting the auto waiver (CA 04 44).
- ·Assuming CG 24 04 covers auto subrogation — it doesn't; auto needs CA 04 44.
Frequently asked questions
What is CA 04 44?
The waiver of subrogation endorsement on the Business Auto policy — it stops the sub's auto insurer from recovering from the GC after paying an auto claim, where a written contract requires the waiver.
Is CA 04 44 covered by CG 24 04?
No. CG 24 04 is the CGL waiver. Auto subrogation requires the separate CA 04 44 endorsement on the auto policy.
When is the auto waiver required?
Whenever a subcontract requires waivers 'on all policies' or specifically on auto, especially for subs whose vehicles are part of the work.
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Check a COI for CA 04 44 →Related endorsements
This page explains CA 04 44 in plain English for COI verification. It is informational only and is not legal or insurance advice — confirm the actual endorsement language and have your counsel or insurance agent review your specific requirements.