ISO · Auto Liability
CA 04 44
Waiver of Subrogation (Auto)
Waiver Of Transfer Of Rights Of Recovery Against Others To Us (ISO Business Auto Policy)
Waives the BAP carrier's right to subrogate against a scheduled party for losses the named insured caused — the auto counterpart to CG 24 04.
What it does
CA 04 44 is the Business Auto Policy waiver of subrogation. Same mechanics as CG 24 04 (GL) and WC 00 03 13 (WC): the carrier waives its right to step into the shoes of the named insured and recover paid losses from a scheduled third party, where the named insured has agreed in a written contract to waive that right. Required on construction projects under the AIA 201 General Conditions, on most lender insurance schedules that touch fleet operations, and on many vehicle-lease agreements.
When you need it
- Construction contracts requiring waivers across all coverage lines, including auto.
- Lender insurance schedules for borrowers with fleet operations.
- Vehicle leases where the lessor requires subro waiver from the lessee's BAP.
Common mistakes
- Assuming the GL waiver (CG 24 04) covers auto — separate policy, separate form.
- Scheduling the wrong party — must name the exact entity the contract requires waived.
- Letting the form attach for the full policy term when the underlying contract has a narrower duration — clean up at renewal.
Verifying CA 04 44 on a real certificate?
Bindly Compliance auto-verifies endorsement attachment, named parties, and edition dates on every COI we track. Description-only language and missing forms surface as deficiencies in your dashboard before they become claims.