Waiver of subrogation
A promise by the contractor's insurer not to sue you to recover what it paid on a claim. Construction contracts usually require it on general liability, auto and workers' compensation.
CG 24 04WC 00 03 13On the certificate
A "Y" in the SUBR WVD column for each policy that carries it.
What to check
An endorsement for each policy your contract names: CG 24 04 or a blanket version for general liability, and WC 00 03 13 or a state form for workers' compensation.
The common gap
The waiver is on general liability but missing from workers' compensation, the line where an injured worker's claim lands.
Go deeper on forsured.ai: What does waiver of subrogation mean on a COI?
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General information, not legal or insurance advice. Ask your broker what your policies actually carry.