Insurance Library · Category

Contract Phrases

The recurring insurance phrases in commercial contracts — what each one legally requires, how it translates onto a Certificate of Insurance, and the endorsement needed to satisfy it.

1 published · 13 coming soon

Search coming soon

In this category

Published entries in Contract Phrases. More definitions are being added continuously.

Contract Phrase

Primary & Non-Contributory Explained

"Primary and Non-Contributory" is one of the most-requested phrases in commercial contracts — and one of the most misunderstood. Here is exactly what it means, why it matters, and how to prove it.

9 min readUpdated November 2025

What people search for most

Additional Insured Certificate Holder Waiver of Subrogation Primary & Non-Contributory CG 20 10 CG 20 37 Workers' Compensation General Liability COI Requirements Umbrella Liability Builder's Risk Completed Operations

Related categories

Keep exploring the Insurance Library

Coverages

General Liability, Auto, Workers' Compensation, Umbrella, Professional, Cyber, and every other commercial coverage line.

Explore coverages

Endorsements & Forms

CG 20 series Additional Insured forms, Waivers of Subrogation, Per-Project Aggregates, and blanket endorsements.

Explore endorsements & forms

COI Terms

Certificate Holder, Description of Operations, ACORD 25 boxes, and every field on a Certificate of Insurance decoded.

Explore coi terms

Limits & Deductibles

How limits stack, self-insured retentions, aggregates, per-occurrence math, and umbrella drop-down rules.

Explore limits & deductibles

Carrier & Rating

AM Best ratings, admitted vs. non-admitted carriers, financial strength, and why it matters for compliance.

Explore carrier & rating

Put the Insurance Library to work

CoverageReady checks every one of these definitions against your contracts and COIs — automatically.

Take the Product Tour Start Free Trial