Waiver of Subrogation
Definition. Waiver of Subrogation prevents your insurer from suing a third party (typically a landlord or contracting partner) to recover what they paid out on your claim.
Also known as: WOS, Subrogation Waiver
Routine commercial lease and contract requirement — landlords typically require both Additional Insured AND Waiver of Subrogation on tenant's policies. Without it, your insurer could turn around and sue your landlord after paying your claim, which is why landlords demand the waiver.
Example
Tenant's GL pays customer's slip-and-fall claim. Without Waiver of Subrogation, tenant's insurer could then sue the landlord for negligent maintenance. With the waiver, that recovery path is blocked.
Sources cited
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Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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