General Liability Endorsement Overview Endorsement (WW604 FL (09/11))

General liability endorsement that does not add additional insured coverage, primary and noncontributory status, or a waiver of subrogation.

Modifies the Commercial General Liability (CGL) policy to address common contract risk transfer requirements—such as additional insured status, primary and noncontributory wording, and waiver of subrogation.
Does not indicate additional insured, waiver of subrogation, or primary and noncontributory provisions—so any contract requirements for those features would typically need separate endorsements.
This is a helpful flag during endorsement review: if your contract requires these provisions, you’ll want to confirm they appear elsewhere on the policy.
Commonly used in construction, maintenance, and service agreements where the upstream party wants clear allocation of defense and indemnity responsibility tied to your work.

The following coverages can be included if endorsed elsewhere
Additional Insured coverage: This endorsement does not add Additional Insured status for upstream parties such as owners, general contractors, or clients.
Ongoing operations Additional Insured coverage: This endorsement does not extend additional insured protection for liability tied to ongoing operations (work in progress).
Completed operations Additional Insured coverage: This endorsement does not extend additional insured protection for liability arising out of completed operations (after work is finished).
Primary and noncontributory status: This endorsement does not state that your policy applies on a primary and noncontributory basis for the required parties.
Waiver of subrogation: This endorsement does not waive the insurer’s rights of recovery against required parties.

Signals that the key contract risk transfer features (Additional Insured, Primary & Noncontributory, and Waiver of Subrogation) are **not** addressed here—so contract compliance may require separate endorsements.
Helps teams quickly identify gaps before work starts, reducing the chance of project delays, uninsured contractual obligations, or coverage disputes after a claim.
Creates clearer alignment between insurance and contract obligations, which can reduce disputes during certificate review and at claim time.
Helps allocate defense costs to the policy intended to support the contract’s risk transfer structure—subject to policy terms and limits.

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
Ensure the boxes contain full blanket language or the additional insured entities and locations that match your contract.
Review any specific limitations or restrictive language.