Significance of a Signed Subcontract Agreement

You can have all of the right insurance and endorsements on file prior to a claim arising, but without a signed contract agreement, you can still be left potentially exposed.

Additional Insured or Waiver of Subrogation Endorsements are often issued on a "blanket" basis, meaning the endorsement will not specifically identify the entities requiring the coverage or waiver. Blanket insurance endorsements will typically contain verbiage that indirectly affords additional insured coverage or grants the waiver of subrogation rights under the policy, but only when it is required by written contract.

Typically, this type of insurance endorsement will include verbiage that states "Any Person(s) or Organization specified in a written contract that requires such coverage and/or waiver to be furnished." Ultimately, if you have no signed contract, under this type of endorsement, a carrier can potentially deny coverage or refuse to waive their right to subrogation under the policy at the time of a claim.


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