What is Primary and Noncontributory?

Primary and Noncontributory is a policy endorsement specifying that your insurance pays first without seeking contributions from other parties’ insurance policies, commonly required by landlords and clients.

What You Need to Know

When you add someone as an additional insured with primary and noncontributory language, your policy acts as their primary coverage—their insurance won’t be tapped unless your limits are exhausted.

Why It Matters for Restaurant Owners

Many commercial leases and contracts require this specific endorsement along with additional insured status. Without “primary and noncontributory” language, disputes arise about which insurance policy pays first, creating delays and conflicts.

Minimal Cost:

The endorsement typically costs nothing or very little but provides critical clarity about coverage hierarchy.

Verification Essential:

Always verify this language is included when contracts require it, as its absence can be a lease violation.