CoiLoop

Endorsements & Contract Clauses

Primary and Noncontributory

Also known as: Primary & Noncontributory, P&NC

Wording ensuring the sub's policy pays first and the GC's own policy is not tapped to contribute.

Primary and noncontributory is a two-part requirement. Primary means the sub's policy responds first to a covered claim; noncontributory means it will not seek contribution from the GC's own insurance. Together they keep claims off the GC's loss history.

Without this language, both policies might share a loss, raising the GC's premiums and eroding their limits. It is typically added by endorsement and confirmed on the certificate alongside additional insured status.

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CoiLoop collects COIs and W-9s through no-login links, uses AI to read each certificate and check limits, endorsements, and dates against your requirements, and warns you before anything expires.