What Is a Waiver of Subrogation?

The general idea

Subrogation generally describes an insurer’s ability, after paying a covered loss, to pursue recovery from another party. A waiver of subrogation is policy language or an endorsement that may limit that recovery right in specified circumstances.

The exact effect depends on the policy language, endorsements, contract, parties, and circumstances. The phrase alone does not establish that a particular waiver applies.

What to check when a contract asks for one

Compare the written requirement with the relevant insurance documents and ask:

• Which party, policy, and type of loss does the requirement cover?
• Does the policy or an endorsement contain the requested wording?
• What conditions, dates, or limitations apply?
• Can the insurer or agent confirm that the endorsement addresses the contract language?

Do not rely on a label alone

A COI may mention a waiver, but it does not amend the policy. Ask for the actual endorsement and get situation-specific advice from the insurer, agent, or legal adviser when needed.