Waiver requires knowledge of the right and an intent to relinquish it, which may be express or inferred from conduct inconsistent with asserting it. It differs from estoppel, which requires detrimental reliance.

Some rights cannot be waived.

Alternative Names:

Waiver Defense, Intentional Relinquishment

Why it Matters?

The distinction from estoppel matters in pleading, since waiver requires no showing of reliance or prejudice while estoppel does. That makes waiver easier to establish where the conduct is unambiguous. In coverage disputes waiver is limited by the rule that it cannot create coverage that never existed, which confines it to conditions and procedural requirements rather than the scope of the insuring agreement.

Frequently asked questions

How does waiver differ from estoppel?

How does waiver differ from estoppel?

Waiver requires intentional relinquishment of a known right without any showing of reliance, which estoppel requires.

Can waiver create insurance coverage?

Can waiver create insurance coverage?

No. The rule is that waiver cannot expand coverage beyond the insuring agreement, confining it to conditions and procedures.