Coverage intent
Primary and noncontributory wording makes one policy respond before another party’s insurance and prevents contribution from that other insurance in specified circumstances.
Coverage impact
This language is often required by contract. The value depends on whether the wording is automatic, tied to additional insured status, or limited to written agreements.
Where this language appears
Matching form records, product lines, state activity, and recent examples for this coverage language.
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Sample form language
A representative form excerpt for this topic, with the form number and edition date shown the way insurance teams usually identify versions.
Selected form
Primary and Noncontributory - Other Insurance Condition
Form #: 1G1003FR 07 23
First National Insurance Company of America
Commercial General Liability
KS | Jun 23, 2026
This endorsement amends the other-insurance condition only when the additional insured is also a named insured under other insurance and the named insured agreed in writing to primary and noncontributory treatment.
Written-agreement contribution trigger
PRIMARY AND NONCONTRIBUTORY INSURANCE
This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that:
(1) The additional insured is a Named Insured under such other insurance; and
(2) You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured.Selected excerpt from this form.
Notable language points
- 01Ties priority to additional-insured status and the additional insured other available insurance.
- 02Requires a written contract or agreement before the primary and noncontributory condition applies.
Related insurance form pages
Related coverage topics
Review additional insured endorsement in admitted P&C endorsements, including matching form records, product lines, common form names, and recent filings.
Waiver of subrogationReview waiver of subrogation in admitted P&C endorsements, including matching form records, product lines, common form names, and recent filings.