Waiver Of Transfer Of Rights Of Recovery Against Others To Us
Waiver of subrogation — the sub's CGL 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 "where 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.
Which edition do you have?
The 05 09 edition of CG 24 04 requires the protected party to be scheduled (named). The 12 19 edition added optional "blanket" wording so the waiver applies wherever the named insured has agreed in a written contract executed before the loss — making it function like a blanket waiver without naming each party. Check which edition is attached if your contract relies on blanket waiver language.
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 an older edition requires explicit scheduling.
Frequently asked questions
What does a waiver of subrogation actually do?
It prevents the subcontractor's insurer, after paying a claim, from suing the party you've protected (usually the GC or owner) to recover that payment. It keeps post-loss disputes from boomeranging back onto you.
Does CG 24 04 cover workers' comp too?
No. CG 24 04 only waives subrogation on the CGL. Workers' compensation needs its own waiver (WC 00 03 13), and umbrella/excess policies need a separate waiver endorsement.
Is a blanket waiver of subrogation valid?
Yes, when the form provides it — the CG 24 04 12 19 edition includes blanket wording that applies wherever a written contract executed before the loss requires it.
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Check a COI for CG 24 04 →Related endorsements
This page explains CG 24 04 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.