Waiver of Subrogation Versus Alternate Employer Endorsement

September 16, 2013

For workers compensation, what are the main differences for the insurer and the insured between what a waiver of subrogation endorsement accomplishes versus what the alternate employer endorsement accomplishes? To put it another way, I think the alternate employer endorsement is for those situations where the employee of company A is, or could be construed to be, the employee of company B, at least temporarily. And if that employee were to become injured while temporarily working for company B, company B would not be responsible for paying the benefits for that employee, because company B is listed on the alternate employer endorsement. This endorsement then should only be used in situations where an employee is considered a temporary employee of the entity listed on the alternate employer endorsement. For that injured employee, there is no WC recourse whatsoever against the temporary employer.