# Primary and noncontributory

COI Journal, The COI Dictionary. Published by Forsured. Reference only, not legal or insurance advice.

Forms: CG 20 01

## Definition

Wording that makes the contractor's policy pay first for the additional insured, without asking the additional insured's own policy to share the loss.

## On the certificate

Usually a line in the description box. The ACORD 25 has no checkbox for it.

## What to check

An endorsement such as CG 20 01 that applies when your written contract requires it, on the general liability policy and, if your requirements say so, the umbrella.

## The common gap

The description box says "primary and noncontributory" and no endorsement backs it up, so your own policy ends up sharing the claim.

## Related

- [Additional insured (AI)](https://coijournal.com/dictionary/additional-insured/index.md)
- [Waiver of subrogation](https://coijournal.com/dictionary/waiver-of-subrogation/index.md)

Source page: https://coijournal.com/dictionary/primary-and-noncontributory/