The General Liability Waiver of Subrogation Endorsement is a crucial modification to standard Commercial General Liability policies in the Canadian insurance market. This endorsement is typically required when project owners, contractors, or other business partners want to ensure that the insurer cannot pursue recovery against them for claims paid under the policy. It's commonly used in construction projects, commercial leases, and service agreements where multiple parties need to work together without the risk of insurance-related disputes. The document must comply with Canadian federal and provincial insurance regulations and typically includes specific details about the parties involved, the scope of the waiver, and any applicable conditions or limitations. This type of endorsement is particularly important in risk management strategies and is often required by contract terms or business relationship agreements.
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1. Parties: Identifies the insurance company (insurer), the named insured, and any additional insureds affected by the waiver
2. Background: References the original insurance policy being modified, including policy number and effective dates
3. Definitions: Defines key terms including 'subrogation', 'waiver', and any other relevant terms specific to the endorsement
4. Waiver Grant: The core provision that explicitly states the insurer's agreement to waive rights of subrogation against specified parties
5. Scope of Waiver: Clearly defines the extent of the waiver, including any limitations or conditions
6. Premium Consideration: States any additional premium or consideration for the waiver endorsement
7. Integration Clause: Confirms that the endorsement forms part of the original policy and modifies it only to the extent stated
1. Project-Specific Conditions: Include when the waiver applies only to specific projects or locations
2. Additional Premium Schedule: Include when there is a complex premium calculation or adjustment process for the waiver
3. Claims Notification Process: Include when special claim reporting procedures apply to situations involving the waiver
4. Duration and Renewal Terms: Include when the waiver has different duration terms than the main policy
5. Cross-Border Provisions: Include when the waiver needs to address cross-provincial or international considerations
1. Schedule A - Named Parties: List of specific parties against whom subrogation rights are being waived
2. Schedule B - Covered Projects: Detailed list of specific projects or operations covered by the waiver, if applicable
3. Schedule C - Premium Calculation: Detailed breakdown of additional premium calculations, if applicable
4. Appendix 1 - Original Policy Reference: Copy or summary of relevant sections from the original policy being modified
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