CG 24 04 Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver of Subrogation)

An Insurance Services Office (ISO) standard form. It waives the insurer's right to recover payments made under the coverage part from the persons or organizations in the schedule, to the extent you waived your own right of recovery against them before the loss.

1. 12 19 edition

   Dec 2019, compared with 05 09Latest edition

   • The waiver now applies to any payments made under the coverage part, not only payments for injury or damage from your ongoing operations or completed work under a contract with that party.

     05 09

     “because of payments we make for injury or damage arising out of your ongoing operations”

     12 19

     “because of payments we make under this Coverage Part”

   • The waiver now applies only to the extent you waived your own right of recovery against that party before the loss.

     05 09

     Not in this edition

     12 19

     “applies only to the extent that the insured has waived its right of recovery against such person(s) or organization(s) prior to loss”

Filed by one company only: 04 12 (WCF Mutual Insurance Company Group, 9 filings).

2 other edition dates appear in one or two filings each, often carrier-specific versions: 05 20, 10/1/2020.

Where filings record what this form replaced, they name earlier editions 05 09, 10 93. Only some filings record replacements.

• Edition in use: in the past 12 months, 37 companies filed the 12 19 edition and 1 company filed 05 09.
• The 04 12 edition appears only in filings from WCF Mutual Insurance Company Group (9 filings in 9 states since Jan 17, 2023), which suggests a carrier-specific version.
• CG 20 26 (Additional Insured - Designated Person or Organization) is filed alongside it most often, in 201 of the same filings (87%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• Chubb Limited GroupFiles its own version: CB CG 240037 Waiver of Transfer of Rights of Recovery Against Others to Us (Waiver of Subrogation) (35 states)
• Berkshire Hathaway GroupUses CG 24 04 in 8 filings
• WR Berkley Corporation GroupUses CG 24 04 in 1 filing
• Fairfax Financial GroupUses CG 24 04 in 2 filings

• CG 20 26Additional Insured - Designated Person or Organization201 filings
• CG 20 11Additional Insured – Managers or Lessors of Premises191 filings
• CG 20 01Primary and Noncontributory - Other Insurance Condition185 filings
• CG 21 66Exclusion – Volunteer Workers as Insureds178 filings
• CG 20 18Additional Insured - Mortgagee, Assignee or Receiver174 filings
• CG 20 27Additional Insured - Co-Owner of Insured Premises173 filings
• CG 20 28Additional Insured - Lessor of Leased Equipment173 filings
• CG 20 10Additional Insured - Owners, Lessees or Contractors - Scheduled Person or Organization172 filings
• CG 21 37Exclusion - Employees and Volunteer Workers as Insureds171 filings
• CG 20 12Additional Insured - State or Governmental Agency or Subdivision or Political Subdivision - Permits or Authorizations164 filings