{"id":9460,"date":"2025-12-05T06:30:00","date_gmt":"2025-12-05T14:30:00","guid":{"rendered":"https:\/\/www.businessinsuranceusa.com\/news\/?p=9460"},"modified":"2026-03-18T13:51:18","modified_gmt":"2026-03-18T20:51:18","slug":"can-a-contractor-be-sued-even-with-a-waiver","status":"publish","type":"post","link":"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/can-a-contractor-be-sued-even-with-a-waiver\/","title":{"rendered":"Can You Be Sued If the Client Signed a Waiver?"},"content":{"rendered":"\n<p class=\"yoast-reading-time__wrapper\"><span class=\"yoast-reading-time__icon\"><svg aria-hidden=\"true\" focusable=\"false\" data-icon=\"clock\" width=\"20\" height=\"20\" fill=\"none\" stroke=\"currentColor\" style=\"display:inline-block;vertical-align:-0.1em\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M12 8v4l3 3m6-3a9 9 0 11-18 0 9 9 0 0118 0z\"><\/path><\/svg><\/span><span class=\"yoast-reading-time__spacer\" style=\"display:inline-block;width:1em\"><\/span><span class=\"yoast-reading-time__descriptive-text\">Estimated reading time: <\/span><span class=\"yoast-reading-time__reading-time\">4<\/span><span class=\"yoast-reading-time__time-unit\"> minutes<\/span><\/p>\n\n\n\n<p>You may have a waiver that you use routinely in your business. Maybe you don\u2019t use one in your business, but you\u2019ve signed one before. <\/p>\n\n\n\n<p>Think about the times you paid to do dangerous activities. Like trampoline parks, amusement parks, and the like. You probably recall being asked to sign a waiver.<\/p>\n\n\n\n<p>Waivers are commonly used. But they are only effective in certain situations. Sometimes, even when your client signs a waiver, you can be susceptible to legal problems.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-s-a-waiver\">What\u2019s a Waiver?<\/h2>\n\n\n\n<p>A waiver is a release from liability. The person who signs it is essentially giving up their right to take legal action for certain risks.<\/p>\n\n\n\n<p>Sounds great in theory, but it\u2019s not a catch-all. But why not?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-negligence-be-waived\">Can Negligence Be Waived?<\/h2>\n\n\n\n<p>In many states, a waiver may limit claims for ordinary negligence if it\u2019s clear, conspicuous, and not against public policy\u2014but courts closely scrutinize these clauses, and waivers typically cannot excuse gross negligence, recklessness, or intentional misconduct. Because rules vary by state and situation, have your waiver reviewed by a qualified attorney in the state where you operate.<\/p>\n\n\n\n<p>Negligence generally involves:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A duty of care<\/li>\n\n\n\n<li>Breach of that duty<\/li>\n\n\n\n<li>Causation (actual and proximate)<\/li>\n\n\n\n<li>Damages<\/li>\n<\/ul>\n\n\n\n<p>If an incident results from a failure to use reasonable care, a waiver may be challenged or limited, and you can still face a claim. Even a strong waiver typically doesn\u2019t prevent a lawsuit\u2014it\u2019s a defense tool, and outcomes depend on jurisdiction and facts. Courts can refuse to enforce waivers that aren\u2019t clear and conspicuous, weren\u2019t properly presented or disclosed, are overly one-sided (unconscionable), or violate public policy. And waivers typically do not bar claims involving gross negligence, recklessness, or intentional misconduct. Whether a waiver can limit ordinary negligence claims depends heavily on your state\u2019s law and the specific facts of the situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-it-still-worth-using-waivers\">Is It Still Worth Using Waivers?<\/h2>\n\n\n\n<p>Even though waivers may not eliminate all liability, they can still reduce exposure by clarifying risks and strengthening defenses to certain claims\u2014depending on your state\u2019s law and how the waiver is presented.<\/p>\n\n\n\n<p>Even with robust safety protocols and <a href=\"https:\/\/www.osha.gov\/training\/compliance\" target=\"_blank\" rel=\"noreferrer noopener\">OSHA compliance<\/a>, incidents can still occur, and claims can still be filed. A brief lapse in attention by a worker or a passerby can escalate into an injury allegation, and you may still find yourself defending a lawsuit.<\/p>\n\n\n\n<p>If the injured person signed a well-drafted waiver and the facts support that you acted reasonably, the waiver may improve your ability to defend the claim, but it\u2019s not a guarantee. People can still file lawsuits, and enforceability depends on the waiver language, how it was presented, and the applicable state law.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-are-there-different-waivers\">Are There Different Waivers?<\/h2>\n\n\n\n<p>There are different types of waivers for different situations. You can use them all as needed. Use the right risk-transfer tool for the right job.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Hold Harmless Clauses<\/strong>&#8211; Can shift certain costs or liability between project parties, but the details matter. In many states, an indemnitor may have no duty to defend unless the contract clearly says so, and construction anti-indemnity rules may limit how far indemnity (and even additional insured requirements) can go.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Assumption of Risk<\/strong>&#8211; More pointed waivers that let the client know about specific risks associated with an activity<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Change Orders &amp; Claim Releases<\/strong>&#8211; When scope changes mid-project, change orders should clearly define the new scope, price, and schedule.<\/li>\n<\/ul>\n\n\n\n<p>They are different tools for your contract toolkit. Speak to a professional for more information.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-waivers-aren-t-an-insurance-replacement\">Waivers aren\u2019t an insurance replacement.<\/h2>\n\n\n\n<p>Even a well-drafted waiver doesn\u2019t prevent lawsuits or pay legal defense costs by itself. Contractors typically rely on a combination of: <a href=\"https:\/\/www.businessinsuranceusa.com\/general-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">commercial general liability<\/a> (CGL), <a href=\"https:\/\/www.businessinsuranceusa.com\/workers-comp-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">workers\u2019 compensation<\/a> (where required), commercial auto, umbrella\/excess liability, and, depending on work, <a href=\"https:\/\/www.businessinsuranceusa.com\/contractors-pollution-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">pollution coverage<\/a>. Your contract terms (indemnity, additional insured, waiver of subrogation) should be coordinated with your actual policy language and endorsements.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-waive-hello-to-your-trusted-insurance-partner\">\u201cWaive\u201d Hello To Your Trusted Insurance Partner<\/h2>\n\n\n\n<p>If you need commercial business insurance, look no further than <a href=\"https:\/\/www.businessinsuranceusa.com\" target=\"_blank\" rel=\"noreferrer noopener\">USA Business Insurance<\/a>. With decades of experience helping contractors find their perfect insurance match, you can bet we know a thing or two about what we\u2019re doing.<\/p>\n\n\n\n<p>Important: This article is for general informational purposes only and does not provide legal advice. Waiver enforceability varies by state and fact pattern. For legal guidance, consult a qualified attorney licensed in the state where you operate and where the work occurs.<\/p>\n\n\n\n<ul class=\"wp-block-yoast-seo-related-links yoast-seo-related-links\">\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/understanding-business-insurance-policy\/\">Understanding Your Business Insurance Policy: Breaking Down the Fine Print<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/insurance-endorsements-for-contractors\/\">Key CGL endorsements and coverage terms contractors should understand<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/commercial-general-liability\/gaps-in-liability-insurance-key-endorsements\/\">Liability Policies Are Not All Built The Same<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/how-to-get-acord-25-certificate-of-insurance\/\">ACORD 25 Certificate of Insurance (COI): What It Is, Why You Need It, and How to Get One<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/workers-comp-claim-exclusions-not-covered\/\">10 Situations Workers\u2019 Compensation Might Not Cover\u2013What Every Employer Should Know<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>You may have a waiver that you use routinely in your business. Maybe you don\u2019t&#8230;<\/p>\n","protected":false},"author":10,"featured_media":9461,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[737],"tags":[1006],"class_list":{"0":"post-9460","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-insurance","8":"tag-release-of-liability"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.1 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Can You Be Sued If the Client Signed a Waiver?<\/title>\n<meta name=\"description\" content=\"Yes, contractors can still be sued even with a signed waiver. 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