Workers’ Compensation Blanket, Endorsement Overview Endorsement (WC 99 06 43)

Workers’ compensation endorsement that applies on a blanket basis where required by written contract, but does not include a waiver of subrogation.

Modifies the Workers’ Compensation and Employers Liability policy to address contract requirements related to recovery rights after an employee injury claim.
Does not indicate a waiver of subrogation, so any contract requirement to waive recovery rights would typically need a waiver endorsement to be added to the workers’ compensation policy.
This is important to verify before work begins, since waiver language is commonly required on construction and service agreements.
Written on a **blanket** basis, applying the endorsement to any party you are required to address by written contract, rather than naming each party individually.
Most often used for contracts where employee injury claims could otherwise trigger recovery actions against upstream parties, disrupting risk allocation.

The following coverages can be included if endorsed elsewhere
Waiver of subrogation: This endorsement does not waive the workers’ compensation insurer’s rights of recovery against required parties.

Improves operational efficiency by applying the endorsement on a blanket basis for parties required by written contract—especially helpful for contractors working across multiple job sites.
If a contract requires waiver of subrogation, this endorsement (as shown) may not satisfy that requirement—so adding a waiver form can help avoid compliance issues and disputes.
Makes certificate and endorsement review more straightforward by clearly signaling whether waiver of subrogation obligations are supported by the policy.