JonesAutomobile Liability500BWS01

500BWS01

Automobile Liability Blanket, Contract Risk Transfer, Waiver of Subrogation Endorsement (500BWS01)

Adds a waiver of subrogation for automobile liability, but does not include additional insured coverage. Coverage is extended to any person or organization required by written contract.

What Does This Coverage Include?

  • Modifies the Business Auto/Commercial Auto policy to address contract-driven risk transfer requirements—particularly Additional Insured status, primary and noncontributory wording, and waiver of subrogation.
  • Includes a **Waiver of Subrogation**, which limits the insurer’s ability to seek recovery from specified parties after a covered auto loss is paid.
  • This provision is commonly used when the contract requires recovery rights to be waived in favor of the required parties involved in the project or service agreement.
  • Written on a **blanket** basis, extending the applicable coverage to any person or organization required by written contract—often helpful for contractors working across multiple clients or job sites.
  • Commonly requested when a contract requires evidence that automobile liability coverage supports the risk transfer provisions in the agreement, especially where vehicles are used on or around a project site.

What Is NOT Covered?

  • The following coverages can be included if endorsed elsewhere
  • Additional Insured coverage: This endorsement does not add Additional Insured status for automobile liability.
  • Primary and noncontributory status: This endorsement does not state that your auto policy applies on a primary and noncontributory basis for the required parties.

Why Is This Endorsement Important?

  • Supports **waiver of subrogation** expectations after a covered auto loss, helping reduce follow-on recovery actions against required parties.
  • Streamlines compliance by extending applicable coverage to parties required by written contract, reducing the need to issue a new endorsement for each client or project.
  • Clarifies how liability is intended to be shared (or not shared) between parties, which can reduce disputes at claim time.

How Do You Review This Coverage?

  • Ensure that policy number - when printed - matches the COI
  • Ensure that expiration date - when printed - is not yet expired
  • Ensure that no invalidating watermarks (e.g. Sample) are included
  • Review any specific limitations or restrictive language.
  • Ensure the blanket language, if not broad, is applicable to your entities.

What Other Endorsements Work With This?

Code
What It Does
When to use it
CA 20 48
Adds entities as additional insureds.
Required if contract demands additional insured coverage for automobile liability.
CA 04 50
Adds primary and noncontributory coverage for the additional insureds.
Required if the contract demands that the subcontractor's policy responds first and without contribution.
  • Share on