--- title: "Waiver of Subrogation Certificates" description: "Get a waiver of subrogation certificate with Spot: we request the endorsement on each policy the contract names, and you generate the certificate in the Spot app." canonical: "https://spot.insure/certificate-of-insurance/waiver-of-subrogation" page-type: "product" entities: ["Spot"] entity: "Spot" page-role: "product" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/certificate-of-insurance/waiver-of-subrogation) ## Agent Guide **What this page is:** Get a waiver of subrogation certificate with Spot: we request the endorsement on each policy the contract names, and you generate the certificate in the Spot app. **Limits (do not over-claim):** - Describes Spot's own service; it does not establish coverage terms or outcomes for any company. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Sitemap](https://spot.insure/sitemap) — inventory of all public pages # 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. - 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 [Get Started](https://app.spot.insure/signup?intent=certificates&coverage=general-liability&icp=trades) ## 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. - **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. - **Add it where it’s missing.** Your Spot team requests the waiver endorsement through your broker and insurer for each policy that needs it. - **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 - **Which policies.** Often general liability, auto and workers’ compensation, and sometimes property or umbrella. - **In whose favor.** The landlord, customer, contractor or agency, and often their related parties. - **Shown on the certificate.** The waiver marked against each policy that has it, with a note in the description. ## Endorsements to check - **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. - **Blanket waiver.** Applies to anyone you’ve agreed in a written contract to waive recovery against, on the endorsement’s terms. - **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 - **Select the endorsed policies.** Pick the policies that carry the waiver from your Spot workspace. - **Add the certificate holder.** Enter the name and address of the party the waiver favors. - **Add the requirement.** Upload the contract clause or request so the certificate’s description reflects it. - **Review and send.** Confirm each policy shows the waiver as the contract requires, then download the certificate or send it. ## Mistakes to avoid - **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. - **Adding it to only one policy.** Contracts often ask for a waiver on several policies. Each policy needs its own endorsement or blanket wording. - **Typing it onto the certificate.** Marking a waiver on the certificate doesn’t create one. Only the policy can. [Generate a COI in Spot](https://app.spot.insure) ## Coverage - [General liability](https://spot.insure/insurance/general-liability) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation) - [Commercial auto](https://spot.insure/insurance/commercial-auto) - [Commercial property](https://spot.insure/insurance/commercial-property) - [Umbrella and excess liability](https://spot.insure/insurance/umbrella-excess) ## 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. ## More - [Certificates of insurance](https://spot.insure/certificate-of-insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/certificate-of-insurance/waiver-of-subrogation.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)