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

2. On an Additional Remarks page

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!

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

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.