NCCI · Workers Compensation
WC 00 03 13
Waiver of Subrogation (Workers' Compensation)
Waiver Of Our Right To Recover From Others Endorsement (NCCI Workers Compensation)
Waives the WC carrier's subrogation right against a specifically scheduled party — the workers' comp counterpart to CG 24 04.
What it does
Workers' compensation policies use a separate waiver form because WC is a different policy with different statutory rights. WC 00 03 13 waives the carrier's right to recover from a scheduled third party for paid workers' comp benefits to an injured employee. Many states regulate WC waivers tightly — some require an additional premium charge calculated as a percentage of the manual premium attributable to the scheduled party's operations. Construction contracts that require waivers from all carriers (GL + auto + WC) require this form in addition to CG 24 04.
When you need it
- Construction contracts requiring waivers across all coverage lines — GL (CG 24 04), auto (CA 04 44), and WC (WC 00 03 13).
- Property owner or lender insurance schedules that explicitly require WC waiver.
- Service contracts (janitorial, security, maintenance) where the customer is concerned about WC subro for injuries on their premises.
Common mistakes
- Assuming the GL waiver covers WC — they're separate policies and separate forms; the WC carrier is not bound by a GL waiver.
- Missing the additional premium charge — most states require a charged premium for WC waivers; some carriers apply it automatically, others require an endorsement request.
- Naming the wrong scheduled party — the WC waiver must name the entity for whom the named insured is performing work, not just any contracting counterparty.
Verifying WC 00 03 13 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.