Insurance

What Is a Waiver of Subrogation

By Daniel Olimpio Updated July 24, 2026 2 min read

What is What Is a Waiver of Subrogation?

A waiver of subrogation clause in a contract or endorsement prevents an insurer from suing a third party to recover claim payments — a common requirement in commercial leases and construction contracts.

Practical Example

When a U.S. consumer researches waiver of subrogation, understanding the mechanics up front helps them compare providers, avoid hidden fees and choose the option that best fits their budget and long-term goals.

Why It Matters

Getting waiver of subrogation right can save households hundreds to thousands of dollars each year and prevents disputes that end up in state regulator complaints or court.

Frequently Asked Questions

Because it affects the price you pay, the protections you keep and the options you have — details that shift with each new regulatory cycle.