Waiver Of Subrogation (CGL) — 05 09 Edition
The scheduled CGL waiver edition — the protected party must be listed by name.
What it actually does
CG 24 04 05 09 is the May 2009 edition of the CGL waiver of subrogation. It waives the insurer's right of recovery against a person or organization shown in the endorsement's schedule, for a loss arising out of the named insured's ongoing operations or "your work" done under a contract with that person or organization.
The defining feature of this edition is that it is *scheduled*: the protected party (the GC or owner) must actually be listed on the endorsement. If your name or "as required by written contract" wording is not in the schedule, the waiver doesn't protect you — a frequent gap when a sub re-uses an old endorsement.
When verifying the 05 09 edition, the key check is that your exact legal entity appears in the schedule. If your contract relies on a blanket (automatic) waiver, you want the 12 19 edition instead, which added blanket wording.
Verification checklist
- 01Confirm your exact legal entity is named in the waiver schedule.
- 02If you expect automatic/blanket coverage, confirm whether the 12 19 edition is actually in force instead.
- 03Check the policy period covers the work.
- 04Verify a separate WC waiver (WC 00 03 13) is present if the contract requires it.
Which edition do you have?
05 09 is a scheduled waiver — each protected party is named. The later 12 19 edition added optional blanket language that waives subrogation wherever a written contract executed before the loss requires it, without naming each party.
Common mistakes
- ·Assuming the 05 09 edition is blanket — it is scheduled, and an unnamed party isn't protected.
- ·Relying on a re-used endorsement whose schedule names a different project's GC.
Frequently asked questions
Is CG 24 04 05 09 a blanket waiver?
No. The 05 09 edition is scheduled — the protected party must be named. For blanket waiver wording, the 12 19 edition is the one to require.
What happens if my name isn't on the 05 09 schedule?
The waiver doesn't protect you. Subrogation rights against you are preserved, so the sub's insurer could pursue you after paying a claim.
Does this waive workers' comp subrogation?
No. It's a CGL waiver. Workers' comp needs WC 00 03 13 separately.
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Check a COI for CG 24 04 05 09 →Related endorsements
This page explains CG 24 04 05 09 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.