What is WC 00 03 13, and do I need it blanket or specific?
WC 00 03 13 is the workers compensation endorsement titled Waiver Of Our Right To Recover From Others: after your comp insurer pays an injured employee, it gives up recovering that money from the parties in its schedule. Blanket means the schedule covers anyone you have agreed in a written contract to waive against; specific lists named parties. Carriers commonly charge a percentage of premium, often more for blanket, and the rules vary by state.
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The forms, side by side
WC 00 03 13 (specific)
- What it does
- Waives recovery against the parties listed
- Blanket or scheduled
- Scheduled
- Carrier availability
- Widely available
- What to ask your agent
- What does it cost per name?
- Common trap
- A new name needed for every contract
WC 00 03 13 (blanket)
- What it does
- Waives recovery against anyone you agreed in writing to waive against
- Blanket or scheduled
- Blanket
- Carrier availability
- Common; varies by carrier and state
- What to ask your agent
- What is the blanket charge?
- Common trap
- Priced as a percentage of premium, which grows with payroll
State forms
- What it does
- The same waiver on a state’s own endorsement
- Blanket or scheduled
- Either
- Carrier availability
- Varies by state
- What to ask your agent
- Which states does this job sit in?
- Common trap
- A waiver for one state that does not cover the job’s state
CG 24 04 (general liability)
- What it does
- The general liability waiver
- Blanket or scheduled
- Either
- Carrier availability
- Widely available
- What to ask your agent
- Is the GL waiver on too?
- Common trap
- Having one and assuming the other
The detail
The workers compensation waiver endorsement in the national policy program is WC 00 03 13, Waiver Of Our Right To Recover From Others Endorsement, and its schedule names the persons or organizations the waiver applies to; a blanket schedule reads along the lines of any person or organization the named insured has agreed by written contract to furnish the waiver to.
NCCI WC 00 03 13 (Ed. 4-84), as issued on carrier workers compensation policies
Some states use their own waiver endorsement in place of WC 00 03 13: California uses WC 04 03 06, Waiver Of Our Right To Recover From Others Endorsement, California, which can be written blanket for any party you have agreed in a written contract to waive and charges a percentage of the California comp premium.
WC 04 03 06 as issued, reproduced in a City and County of San Francisco example
The monopolistic state fund jurisdictions, where workers comp is written by the state fund rather than by private carriers, are North Dakota, Ohio, Washington and Wyoming, plus Puerto Rico and the US Virgin Islands.
Under the general liability form, the insured’s rights to recover a payment are transferred to the insurer, and "the insured must do nothing after loss to impair them", which is why a waiver must be agreed before the loss.
ISO Commercial General Liability Coverage Form CG 00 01 04 13 (specimen)
What this means for you
- It is the waiver that costs. Many carriers include the general liability waiver in a blanket package. The comp waiver is commonly a percentage surcharge, so price it before signing a contract that requires it.
- Name the states. Comp is written state by state. Tell your agent where the work is so the waiver, and the coverage, follow it.
- It matters most after a serious injury. Without a waiver, your comp insurer can pay your employee and then sue the general contractor whose site caused the injury. The waiver is the general contractor’s protection from your insurer, and the reason they insist on it.
Related questions
- Is the workers comp waiver the same as the general liability waiver?
No. They are separate endorsements on separate policies: CG 24 04 on general liability, WC 00 03 13 on workers comp, and CA 04 44 on business auto. A contract asking for a waiver "on all policies" needs all three.
- Waiver of subrogation, general liability
- What does a blanket workers comp waiver cost?
It varies by carrier and state. It is commonly a small percentage of the comp premium, sometimes with a minimum, and blanket often costs more than naming one party. Ask for the figure in writing.
- Can you check the insurance requirements in my contract?
Yes. Paste the insurance section into our free Contract Insurance Decoder and it names the endorsement behind each clause, flags the ones that are often missing, and prints a checklist, without the text leaving your browser. Send that with your current policy and a licensed agent compares them line by line, usually the same business day.
- Open the Contract Insurance Decoder
Need this handled?
Reading about it and having it handled are different jobs, and the second one is ours. We place the accounts other brokers decline — claims history, a cancellation, an unusual operation, a business nobody wants to underwrite twice — and we will tell you when the policy you already have is the right one. Tell us the situation and a licensed human replies the same business day.
Written by Kevin Kelsey, founder and principal agent, CA License #6011822, at Boring Insurance. Last updated 2026-10-05. See all guides.