Waiver of Subrogation Certificates

Get the waiver of subrogation your contract asks for on your certificate

Your Spot team requests the waiver of subrogation endorsement on each policy the contract names, then you generate the certificate yourself in the Spot app.

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Each policy the contract names checked for a waiver
Endorsements requested through your broker and insurer
Keep your broker or switch, with no commissions on premiums

A trade contractor and project manager review a plain contract folder beside a detached pipe valve on a compact workbench.

How it works

Send the clause

Upload the contract, lease or request that asks for a waiver of subrogation. Your Spot team notes which policies and parties it covers.

General liability insurance

Juniper Electrical · Policy review

Policy wording: Coverage limits
Compare with: Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

Check which policies already allow it

Some policies include a blanket waiver where you’ve agreed to one in writing. We check each policy’s wording.

Juniper ElectricalOrganized by Spot

Add it where it’s missing

Your Spot team requests the waiver endorsement through your broker and insurer for each policy that needs it.

# spot-support

SamJuniper Electrical

Can you help prepare proof of our general liability insurance?

RileySpot

Let’s review the information and discuss the next steps with your broker.

Send the certificate

With the waivers on the policies, generate the certificate in the Spot app and send it to whoever asked.

What your certificate needs to show

01
Which policies
Often general liability, auto and workers’ compensation, and sometimes property or umbrella.
02
In whose favor
The landlord, customer, contractor or agency, and often their related parties.
03
Shown on the certificate
The waiver marked against each policy that has it, with a note in the description.

Endorsements to check

01
Waiver of subrogation
Your insurer agrees not to pursue the named party for what it pays on a claim, even if that party caused the loss.
02
Blanket waiver
Applies to anyone you’ve agreed in a written contract to waive recovery against, on the endorsement’s terms.
03
Scheduled waiver
Names one party. Each new party needs another endorsement from the insurer, which your Spot team requests through your broker.

Generate your certificate in Spot

01
Select the endorsed policies
Pick the policies that carry the waiver from your Spot workspace.
02
Add the certificate holder
Enter the name and address of the party the waiver favors.
03
Add the requirement
Upload the contract clause or request so the certificate’s description reflects it.
04
Review and send
Confirm each policy shows the waiver as the contract requires, then download the certificate or send it.

Mistakes to avoid

01
Promising a waiver before checking the policy
Check that your policy allows the waiver, or can be endorsed to, before you sign a contract that promises one.
02
Adding it to only one policy
Contracts often ask for a waiver on several policies. Each policy needs its own endorsement or blanket wording.
03
Typing it onto the certificate
Marking a waiver on the certificate doesn’t create one. Only the policy can.

Coverage to consider

General liability
Buy general liability with Spot: we prepare your submission, compare broker proposals on limits and terms, and get certificates and endorsements ready.
Explore coverage
Workers’ compensation
Workers’ compensation with Spot: state requirements checked, payroll and job classifications described correctly, and broker proposals compared before you bind.
Explore coverage
Commercial auto
Commercial auto with Spot: one submission for your vehicles and drivers, and proposals compared on liability, vehicle damage, deductibles and who’s covered.
Explore coverage
Commercial property
Commercial property insurance with Spot: every location prepared for the market and proposals compared on valuation, coinsurance, deductibles and exclusions.
Explore coverage
Umbrella and excess liability
Umbrella and excess liability with Spot: contract limits checked, the underlying schedule confirmed and attachment terms compared before you bind.
Explore coverage

Common questions

What is subrogation?

After paying a claim, your insurer can try to recover what it paid from another party who caused the loss. A waiver of subrogation gives up that right against a specific party.

Can I add a waiver in the Spot app?

You generate the certificate in the Spot app, but the waiver itself is an endorsement only your insurer can issue. Your Spot team asks for it through your broker.

Does a waiver of subrogation cost more?

It can, depending on the insurer and the policy. Your Spot team gets the answer from your broker before you agree to the contract.

Do I keep my broker?

Yes. Spot works alongside your broker, takes no commissions on premiums and follows up on the endorsement for you.

Get insurance off your to-do list.

Your Spot team requests the waiver of subrogation endorsement on each policy the contract names, then you generate the certificate yourself in the Spot app.

Get StartedGenerate a COI in Spot