Upstream contractors should be requesting it as part of the additional insured. Many additional insured endorsements will not be primary and noncontributory unless the contract specifically states that it is required. Some will have you believe that ISO is the standard additional insured form. Most companies use ISO as a blueprint but do not copy it exactly.
Ronald Hicks, CIC, CRIS
Primary and non-contributory means that primary insurance is responsible for covering a loss first without contribution from any other insurance policies. If a policy is listed as primary and non-contributory, it takes precedence over other policies in the event of a claim.
NO
A more commonly used word is non-contributory. "John's suggestions were quite helpful, but Mary's suggestions were non-contributory". I suppose you could use contributory the same way: "John's suggestions were contributory, but Mary's suggestions were not helpful at all."
This term is commonly used in contract insurance requirements to stipulate the order in which multiple policies triggered by the same loss are to respond. For example, a contractor may be required to provide liability insurance that is 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 (non-contributory).
Primary and Non-Contributory Wording means your General Liability policy, or any insurance policy that has this endorsement on it, will pay first in the event of a claim. The Non-Contributory part means that not only will your policy pay first, but it will pay the full amount of the claim until the limits are exhausted without your client contributing to the loss with their own insurance. Not all General Liability policies have this coverage built in and it can be quite expensive to purchase if your policy was issued without it.
Primary and Non-Contributory Wording means your General Liability policy, or any insurance policy that has this endorsement on it, will pay first in the event of a claim. The Non-Contributory part means that not only will your policy pay first, but it will pay the full amount of the claim until the limits are exhausted without your client contributing to the loss with their own insurance. Not all General Liability policies have this coverage built in and it can be quite expensive to purchase if your policy was issued without it.
Medicaid, would be a non-contributory program. That is because people can't afford it, just like food stamps. Medicare is a contributory program.
The Primary and Non-Contributory Basis typically applies to general liability policies, but its applicability to professional liability policies can vary based on the specific terms of the policy and the agreements in place. In general, a professional liability policy may not inherently include this provision unless explicitly stated. It's important to review the policy wording and consult with the insurer or a legal expert to determine how these terms apply in a specific context.
[removed as inappropriate/non-contributory]They are types of hats.
yes
It depends in how it's used (whether it applies to your coverage or someone else's) but basically, a policy that is Primary and Non-Contributory pays claims first - it does not share a claim with other similar policies that might be available to pay.
contributory