Alternate Employer Endorsement (Workers' Compensation)
Extends a sub's WC to a scheduled 'alternate employer' — common with staffing/labor arrangements.
What it actually does
WC 00 03 03 is the Alternate Employer Endorsement. It extends the named insured's workers' compensation and employers' liability coverage to a scheduled "alternate employer" for the named insured's workers while they're working for that alternate employer in the scheduled state and operations. It's used in labor-staffing, employee-leasing, and borrowed-servant situations — for example when a staffing firm's employees work under a contractor's direction.
For that alternate employer, the endorsement makes the staffing firm's WC policy respond as though the alternate employer were an employer of those workers, which protects the alternate employer from employers'-liability and "borrowed servant" exposure.
Note the search query "WC 00 03 13 alternate employer" conflates two different forms: WC 00 03 13 is the *waiver of subrogation*; WC 00 03 03 is the *alternate employer* endorsement. If your arrangement involves leased or staffed labor, the alternate-employer form is the one to require; for ordinary subcontract subrogation protection, you want the waiver.
Verification checklist
- 01Confirm the schedule names your entity as the alternate employer and the correct state/operations.
- 02Don't confuse it with WC 00 03 13 (the waiver of subrogation) — they solve different problems.
- 03Verify the staffing/leasing relationship actually fits an alternate-employer arrangement.
- 04Check the policy is in force for the operations and state involved.
Common mistakes
- ·Requiring WC 00 03 03 when you actually wanted the waiver of subrogation (WC 00 03 13).
- ·Leaving the alternate employer or state off the schedule.
Frequently asked questions
What is the alternate employer endorsement for?
It extends a staffing or leasing firm's workers' comp to a scheduled 'alternate employer' (the company directing the workers), protecting that company from employers'-liability and borrowed-servant claims.
Is WC 00 03 03 the same as WC 00 03 13?
No — a common confusion. WC 00 03 03 is the alternate employer endorsement; WC 00 03 13 is the workers' comp waiver of subrogation.
When would a GC need an alternate-employer endorsement?
When it uses leased or staffed labor working under its direction — so the staffing firm's WC treats the GC as an employer of those workers.
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This page explains WC 00 03 03 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.