A contractor asked for Additional Insured wording.
A general contractor or client says they need to be added as an "Additional Insured" — maybe with a "Waiver of Subrogation" too. Here's what that means and how we handle it.
Get covered now Request a certificate for an existing policy
What they're actually asking for
Additional Insured
An endorsement that extends your liability coverage to also protect the other party (like a GC or property owner) for claims arising from your work.
Waiver of Subrogation
An endorsement where your insurer agrees not to pursue the other party to recover a claim payment. Many contracts require it alongside Additional Insured.
Primary & Non-Contributory
Wording that makes your policy pay first, before the other party's coverage. Contracts often request this exact phrase.
What we need from you
- The exact legal name(s) and address to add.
- The contract or the specific wording they require.
- Whether they need Waiver of Subrogation and/or Primary & Non-Contributory.
- Your deadline.
Need it today? Let's go.
Have coverage already? Send your insured name, carrier, certificate holder details, requirements and deadline. An agent must review the policy before issuing a certificate.
Get covered now Request a certificate for an existing policyRelated help
Additional Insured Wording FAQs
What's the difference between certificate holder and Additional Insured?
A certificate holder just receives proof of insurance; an Additional Insured is actually added to your policy's liability protection via endorsement.
Is there a cost to add an Additional Insured?
Sometimes a small fee depending on the carrier and endorsement; we'll tell you upfront.
Can you match the exact contract wording?
Send us the contract language and we'll line up the right endorsements (Additional Insured, Waiver of Subrogation, Primary & Non-Contributory).
General information, not a quote or policy. Coverage, limits, and endorsements vary by state and carrier and are confirmed when you apply.