Primary and Non-Contributory (PNC)
Wording that makes your policy pay first for the additional insured, without asking their own insurance to share the loss.
What it means for your firm
It is common in owner and general contractor contracts. Being an additional insured alone does not make a policy primary and non-contributory.
Articles that explain it
Your Lease Requires Additional Insured, Primary Non-Contributory and Waiver of Subrogation. Where Do You Find Them on Your Policy? When a Compliance Vendor Keeps Rejecting Your Certificate The Certificate Isn’t the Coverage: Why a Certificate of Insurance Doesn’t Add an Additional Insured Insurance Requirements on City, County and DOT Projects: What Flows Down to You Certificate Holder vs. Additional Insured: What Your Client Actually Needs (and How to Request a COI)
General definition for education only. It is not an interpretation of any policy or contract, and it is not legal advice. The wording of your own policy and contract controls. Policies and definitions vary by insurance company.
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Starting out or renewing, with a policy in hand or not. If something is worth discussing, we’ll call. If not, we’ll say so.