Coinsurance endorsement wording and examples

Form type: Endorsements
Topics: Management Liability Professional Liability Property Coinsurance
Product lines: Employment Practices Liability Professional Errors & Omissions Liability Commercial Property Management Liability

Compare Coinsurance endorsement forms

Coinsurance endorsement forms compared by Intent, Allocation, Notable terms
Form	Intent	Allocation	Notable terms
Federal Insurance Company Coinsurance Endorsement PF-57223 (05/26) Employment Practices Liability	Requires the insured to bear a specified percentage of applicable loss above the retention.	Separate scheduled percentages apply to mass or class actions and other matters.	Changes in classification affect the percentage going forward; earlier amounts borne by the insured are not reimbursed in the specified transition.
The Cincinnati Insurance Company Coinsurance Endorsement NO 4014 01 09 Depository Institution Bond	Limits the underwriter to a scheduled percentage of loss, including specified costs.	The schedule sets the underwriter’s percentage, subject to the single loss limit.	Describes how recoveries are allocated between the insured and underwriter after expenses.
Verlan Fire Insurance Company North Carolina Coinsurance Covered Property Condition HSI-0030NC 08 25 Commercial Property	Applies a property coinsurance condition when a percentage is scheduled.	Compares the property limit with the covered property value times the applicable coinsurance percentage.	If the limit is insufficient, a proportional formula reduces payment before the deductible, subject to the form’s exclusions.

“with respect to that part of Loss which is excess of the applicable Retention”

Federal Insurance Company · Coinsurance Endorsement · PF-57223 (05/26)

Loss above retention. The insured bears the applicable scheduled percentage of loss above the retention.

“than the percentage shown in the Schedule above bears to the total amount of such loss”

The Cincinnati Insurance Company · Coinsurance Endorsement · NO 4014 01 09

Underwriter percentage. The underwriter’s share is also subject to the single loss limit in the declarations.

“the value of Covered Property at the time of loss times the Coinsurance Percentage”

Verlan Fire Insurance Company · North Carolina Coinsurance Covered Property Condition · HSI-0030NC 08 25

Property coinsurance. The form compares that amount with the insurance limit to determine whether a proportional reduction applies.

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