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.