Primary and Non-Contributory Wording

Primary and non-contributory wording settles whose policy pays first when two policies could both respond. Without it, both insurers may treat the other as co-primary and share the loss, which is exactly what the party requiring the wording is trying to avoid.

This travels with additional insured status and gets missed in the same way: it appears in the lease, it appears on the certificate, and it is not actually endorsed on the policy. In a claim it decides whether the landlord's insurer participates in defense or stands back entirely and lets yours carry it. The operator obligation is narrow but real. Confirm the endorsement exists, confirm it names the same parties the lease names, and be aware that agreeing to primary and non-contributory means your program absorbs the full defense of claims where the landlord may share fault. That is a negotiable point in the lease, not a fixed requirement, and it is worth raising before signature rather than after.