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contingent insurance. The term contingent insurance refers to a policy that is contingent on the absence of other insurance. For example, the 1973 commercial general liability (CGL) policy stated that it provided primary insurance, except when stated to apply in excess of or contingent upon the absence of other insurance. â¦
A contingent liability is a liability that may or may not exist depending on what happens in the future. Accountants and auditors are sometimes required to determine whether or not a company is exposed to contingent liabilities and to estimate potential losses if the contingent liabilities becomes reality.any different circumstances can create contingent liabilities. For example, a guarantee creates a contingent liability because some customers may complain that the product didn't perform as guaranteed. A lawsuit creates a contingent liability because the company may have to pay a judgment if it loses the lawsuit.