Many small businesses are asked by their clients to provide a Waiver of Subrogation.
Under normal circumstances, if you and your client are both found to be at fault, your insurance
company may be asked to pay the full amount of any claim and then pursue your client's insurance
company to recover the proportion of damages they are liable to pay.
This action by your insurance company is called subrogation.
When your insurance includes a waiver of subrogation, your insurance company no longer has the right
to recoup from your client's insurance, and agrees to cover all damages payable.