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Waiver of subrogation
Published 2026-06-12 · by Brokly
In plain terms: Your insurer gives up its right to chase the other party for repayment after it pays a claim — so it can’t later bill the client for what it paid out.
Why it matters to you
Clients ask for it so your claim stays your claim: after your insurer pays, it can't turn around and sue them to get the money back. It's a routine endorsement on liability policies and, in most states, workers' comp.
Where you’ll see it
In contract insurance clauses ("Waiver of Subrogation in favor of Owner") and on the certificate as a checked box per coverage line.
Related terms
Definitions describe how policies are typically structured — exact terms live in the policy. Not legal or compliance advice.