Sometimes it is required that a policy be Primary and Non-Contributory. This means that the contractor's policy must pay before other applicable policies (primary) and without seeking contribution from other policies that also claim to be primary (noncontributory).

Primary and Non-contributory wording usually appears in one of three places:

  1. In the COI's description of the operations box
  2. On an Additional Remarks page
  3. On a separate endorsement.

Let's take a look at each!

1. In the COI's description of the operations box of an ACORD 25

Untitled

2. On an Additional Remarks page

Untitled

3. On a separate endorsement.

You may identify primary wording inside of an Additional Insured endorsement in the title, sub-title, or body text. It could literally be anywhere, so keep your eyes open!

https://s3-us-west-2.amazonaws.com/secure.notion-static.com/87db87e6-00b9-4d5e-9934-0c955948b5ae/Screen_Shot_2020-04-10_at_11.07.24_AM.png

Primary and Non-Contributory can even have its own endorsement, which is easier to spot.

https://s3-us-west-2.amazonaws.com/secure.notion-static.com/0ef5854e-2cd7-430c-88be-35846bfea3cd/Screen_Shot_2020-04-08_at_6.04.16_PM.png

If You Can't Find It

If you cannot find primary wording anywhere, write a comment "Missing coverage on a Primary and Noncontributory basis" and press ENTER.

https://s3-us-west-2.amazonaws.com/secure.notion-static.com/e2182005-99c0-4485-9484-058fcb1a394d/Screen_Shot_2020-04-08_at_4.49.02_PM.png