Waiver Of Transfer Of Rights Of Recovery Against Others To Us
Waiver of subrogation — the sub's insurer agrees not to come after the GC after paying a claim.
What it actually does
CG 24 04 is a waiver of subrogation endorsement on the CGL. Subrogation is the right of an insurer who has paid a claim to "step into the shoes" of its insured and pursue the third party who actually caused the loss. CG 24 04 waives that right against a specifically-listed person or organization.
Waivers of subrogation are commonly required in construction contracts so that, after a covered loss, the sub's CGL insurer can't turn around and sue the GC (or its other subs, depending on scope) to recover what they paid out. This protects the contracting relationship and prevents intra-project finger-pointing.
The endorsement has a schedule — the GC, owner, or other party must be specifically listed (or "as required by written contract" wording must be present). It only applies to the CGL; separate waivers are needed for workers' comp (WC 00 03 13) and umbrella policies.
Verification checklist
- 01Confirm the waiver schedule lists the GC or owner explicitly, OR uses 'where required by written contract' language paired with a contractual obligation.
- 02Check that waivers are also present on the workers' comp and umbrella policies if the subcontract requires them.
- 03Verify the policy effective dates cover the project duration.
Common mistakes
- ·Accepting only a CGL waiver and missing workers' comp (WC 00 03 13) and umbrella waivers.
- ·Relying on the COI's checked 'Waiver of Subrogation' box without reading the actual endorsement.
- ·Treating the waiver as automatic when the endorsement requires explicit scheduling.
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