不足额保险下，当保险标的由于第三者责任造成保险损失后，保险人在履行赔偿义务的前提下，取得对第三者的代位追偿权。
Under wantage insurance, when the loss is caused by a third party, the insurer gains the indemnity-recovering right of subrogation therefrom, provided that the insurer executed its duty of indemnity.
这种保险应命卖方及其分包商为附加的被保险人，并且必须包括一份以卖方及其承包商为受益人的代位追偿权弃权书。（请指正）
The insurances shall name SELLER and its subcontractors as additional insured and will include a waiver of subrogation in favour of SELLER and its subcontractors.
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