Waiver of subrogation
Endorsement where the insurer gives up the right to sue a named party after paying your claim.
Plain definition
Waiver of subrogation stops your insurer from pursuing recovery against a specified organization—often a landlord or general contractor—after paying a covered loss. Contracts require you to obtain this endorsement before work begins; without it, subrogation against partners can blow up relationships and contracts.
Why it matters
Property managers demand waivers so your fire claim does not become their insurer suing them. Missing waivers can breach leases and construction agreements.
Example
You add waiver of subrogation in favor of your landlord on renters or GL. After a water loss, your carrier pays you and does not subrogate against the landlord per the endorsement.
Common misunderstanding
Waivers are specific to named parties and directions—they do not waive all subrogation everywhere unless broadly endorsed and allowed by state.
Policy language always controls. This is educational content, not advice. See our disclaimer.