What is a waiver of subrogation (CG 24 04)?
It is your insurer giving up its right to recover from a named party after paying a claim. Normally an insurer that pays can step into your shoes and sue whoever caused the loss; a waiver stops it doing that to the party you have agreed to protect.
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The detail
ISO form CG 24 04 waives the insurer’s right of recovery against a person or organization shown in the schedule, where the insured has agreed in writing to waive those rights before a loss.
The waiver must generally be agreed in writing before the loss occurs; a waiver signed afterwards does not bind the insurer.
ISO CGL endorsement CG 24 04
What this means for you
- Sign the contract first and ask for the endorsement afterwards, and you may have promised something your policy has not granted. The written agreement has to pre-date the loss, so the sequence matters.
- It is required on general liability and, separately, on workers compensation, where the form and sometimes the state rules are different. A contract asking for "a waiver of subrogation" usually means on every policy it names.
- Some states restrict or prohibit waivers on workers compensation, and some carriers charge for them. Neither is a reason to skip it if the contract requires it; both are reasons to raise it before signing.
Related questions
- Does a waiver mean I am giving up my own right to sue?
No. It is your insurer’s recovery right that is being waived, not your ability to bring your own claim. What it does mean is that after your insurer pays, it cannot pursue the party named, so the cost of that loss stays with your policy and, at renewal, with you.
- Is the workers compensation waiver the same endorsement?
No, it is a different form on a different policy, and the rules vary by state. Contracts commonly require both and certificates commonly show only one. It is worth checking which one you actually have.
- What is CG 24 04?
CG 24 04 is the ISO general liability endorsement titled Waiver Of Transfer Of Rights Of Recovery Against Others To Us, which is what a waiver of subrogation is called on the form itself. It stops your insurer recovering from the person or organization scheduled on it after paying a claim, provided you agreed to the waiver in a written contract before the loss. The 04 13 and 05 14 editions are the ones in circulation, and either satisfies a contract that asks for a waiver on your general liability.
- Is there a waiver of subrogation for commercial auto and workers comp too?
Yes, and each is a separate endorsement on a separate policy. On the business auto policy the ISO form is CA 04 44, which carries the same Waiver Of Transfer Of Rights Of Recovery Against Others To Us title. On workers compensation it is a separate endorsement, and many states regulate it or let the carrier charge for it, so ask for the form number and the price. A contract asking for a waiver on all policies means three endorsements, and a certificate showing one of them does not satisfy it.
- Do I need a waiver of subrogation?
Only when a contract requires it, and most do. Look in the insurance exhibit for the words "waiver of subrogation" or "waive all rights of recovery," and check which policies the clause names, because each policy it names is a separate endorsement. If no contract asks for one you gain nothing by carrying it. If one does, get it on the policy before you sign, since a waiver agreed after a loss will not bind your insurer.
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Written by the licensed brokers at Boring Insurance. Last updated 2026-08-18. See all guides.