What are Recovery Rights/Hold Harmless/Waiver of Subrogation

Many policies exclude or limit the Insurer’s liability if you have entered, or enter, into an agreement that excludes or limits your rights of recover against third parties who’s acts, errors, omissions or other conduct have caused or contributed to your loss or liability. (These are often called ‘hold harmless’
agreements.) If you have entered, or consider entering, such an agreement, please let us know, so that we can advise you about how the agreement affects, or will affect, your cover.