NCA 70 05 NY 03 20
Automobile Liability Blanket, Additional Insured, Primary & Noncontributory, Waiver of Subrogation Endorsement (NCA 70 05 NY 03 20)
Provides additional insured coverage for automobile liability. It also includes primary and noncontributory status and a waiver of subrogation. 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.
- Adds **Additional Insured** coverage so a client, project owner, or other required party can be protected for covered auto liability arising from your use of insured vehicles in connection with the agreement.
- Helps extend defense and indemnity to the Additional Insured for allegations of vicarious liability tied to your drivers, your operations, or your covered autos—subject to the policy terms and exclusions.
- Includes **Primary and Noncontributory** status, supporting contracts that require your auto policy to respond first without contribution from the Additional Insured’s auto coverage.
- 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.
Why Is This Endorsement Important?
- Helps satisfy auto-related contract requirements so required parties can be treated as **Additional Insureds** for covered auto liability tied to your use of vehicles.
- Strengthens risk transfer when an accident triggers allegations against multiple parties—for example, when a site owner is named due to operations involving your vehicle.
- Supports contract language requiring your auto policy to be **primary and noncontributory**, reducing contribution demands on the other party’s auto insurance.
- 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.
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.
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