Maryland Subscriber

The alternative employer endorsement applies only with respect to bodily injury to the named insured's employees who are in the course of special or temporary employment by the alternate employer listed on the endorsement. This endorsement will provide coverage for claims made by the employee against the alternate employer, but the insurance is not intended to satisfy the alternate employer's duty to secure its own obligations under the WC law of the state.

The waiver of subrogation is for the insurer that waives its right of subrogation against third parties who may be responsible for an injury to the employee.

So, the alternative employer endorsement is meant to protect the alternate employer from claims made by the employee who is temporarily working for the alternate employer. The waiver of subrogation endorsement simply states that the insurer is not going to seek reimbursement from a third party, whoever that might be, who is responsible for injuring the employee.

We agree with you about your first thoughts. As for your second paragraph, the waiver of subrogation merely applies to the insurer. If the injured worker or maybe his spouse wants to sue the temporary employer, let's say for negligence, the waiver is not going to stop that claim. If the aim is to protect the alternate employer from any WC claims based on injury to the employee, then it probably is safer to use both endorsements, but neither endorsement is going to prevent a negligence claim against the alternate employer if there are grounds for a liability claim