{
  "id": "clause-access-to-records",
  "type": "clause",
  "languages": {
    "en": {
      "id": "clause-access-to-records",
      "lang": "en",
      "type": "clause",
      "title": "Access to Records / Inspection Clause",
      "shortDefinition": "The access to records clause grants the reinsurer the right to inspect the cedent's books, files and claims records in order to verify cessions and claims handling.",
      "synonyms": [
        "Inspection clause"
      ],
      "linesOfBusiness": [
        "Reinsurance"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "Reinsurance",
        "Governance"
      ],
      "relations": {
        "relatedTerms": [
          "term-reinsurance-audit",
          "term-cedent",
          "clause-claims-cooperation"
        ],
        "partOf": [],
        "appliesTo": [
          "term-treaty-reinsurance"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": {
        "kind": "condition",
        "origin": "reinsurance-market",
        "favours": "insurer",
        "negotiability": "standard",
        "standardWordings": []
      },
      "legalBasis": [],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-09-03",
      "generated": {
        "by": "cursor-agent/claude-sonnet-5",
        "at": "2026-09-03T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/en/knowledge/clause/access-to-records-clause/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/klausel/access-to-records-klausel/",
      "body": "## Purpose\n\nThe reinsurer bears an economic share of the risk but has no direct visibility into the cedent's underwriting and claims practice. The access to records clause creates a contractual inspection right: the cedent must give the reinsurer, or its appointed representatives, access to all records relevant to the contract, including underwriting files, claims files and accounting records.\n\n## Effect and limits\n\nThe right is usually limited to reasonable business hours, prior notice and the duration of the contract plus a run-off period. It serves retrospective verification, not ongoing steering – unlike a claims control clause, the reinsurer does not actively intervene in decisions. Privileged or client-confidential information can be contractually excluded from inspection.\n\n## Negotiation and practice\n\nIn practice the clause is rarely invoked actively but becomes a key piece of evidence in disputes over cessions or claims payments. Cedents seek clear limits on scope and frequency of inspection, while reinsurers aim for the broadest practicable access rights."
    },
    "de": {
      "id": "clause-access-to-records",
      "lang": "de",
      "type": "clause",
      "title": "Access-to-Records-/Inspection-Klausel",
      "shortDefinition": "Die Access-to-Records-Klausel räumt dem Rückversicherer das Recht ein, Bücher, Akten und Schadenunterlagen des Zedenten einzusehen, um die Zession und Schadenregulierung zu überprüfen.",
      "synonyms": [
        "Inspection Clause",
        "Einsichtsrecht"
      ],
      "linesOfBusiness": [
        "Rückversicherung"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "Rückversicherung",
        "Governance"
      ],
      "relations": {
        "relatedTerms": [
          "term-reinsurance-audit",
          "term-cedent",
          "clause-claims-cooperation"
        ],
        "partOf": [],
        "appliesTo": [
          "term-treaty-reinsurance"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": {
        "kind": "condition",
        "origin": "reinsurance-market",
        "favours": "insurer",
        "negotiability": "standard",
        "standardWordings": []
      },
      "legalBasis": [],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-09-03",
      "generated": {
        "by": "cursor-agent/claude-sonnet-5",
        "at": "2026-09-03T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/de/wissen/klausel/access-to-records-klausel/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/clause/access-to-records-clause/",
      "body": "## Zweck\n\nDer Rückversicherer trägt wirtschaftlich einen Teil des Risikos, hat aber selbst keinen direkten Einblick in die Zeichnungs- und Schadenpraxis des Zedenten. Die Access-to-Records-Klausel schafft dafür ein vertragliches Einsichtsrecht: Der Zedent muss dem Rückversicherer oder dessen Beauftragten Zugang zu allen für den Vertrag relevanten Unterlagen gewähren, einschliesslich Zeichnungsakten, Schadendossiers und Rechnungslegung.\n\n## Wirkung und Grenzen\n\nDas Recht ist meist auf angemessene Geschäftszeiten, vorherige Ankündigung und die Dauer des Vertrags plus eine Nachfrist beschränkt. Es dient der nachträglichen Kontrolle, nicht der laufenden Mitsteuerung – im Unterschied zu Claims-Control-Klauseln greift der Rückversicherer nicht aktiv in Entscheidungen ein. Vertrauliche oder mandantengeschützte Informationen können vertraglich von der Einsicht ausgenommen werden.\n\n## Verhandlung und Praxis\n\nIn der Praxis wird die Klausel selten aktiv genutzt, ist aber im Streitfall über Zession oder Schadenzahlungen ein zentrales Beweismittel. Zedenten achten auf klare Grenzen zu Umfang und Häufigkeit der Einsicht, während Rückversicherer möglichst weite Zugriffsrechte anstreben."
    }
  }
}