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If a client contract asks for a waiver of subrogation, it can sound like dense legal jargon. The idea behind it is actually straightforward, and understanding it helps you respond to the request correctly.
Normally, after your insurer pays a claim, it can try to recover that money from whoever was actually at fault. That recovery right is called subrogation. A waiver of subrogation means your insurer agrees, in advance, not to pursue a specific party, usually a client you are contracting with.
Clients ask for it so that a claim connected to your work will not come back around as a lawsuit against them from your insurer. It is common in construction and vendor agreements, and it is typically added to your policy by endorsement.
Before signing a contract that requires one, confirm your policy can add it. Explore business insurance or start a quote.
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