{
  "id": "clause-car-ear-offsite-storage",
  "type": "clause",
  "languages": {
    "en": {
      "id": "clause-car-ear-offsite-storage",
      "lang": "en",
      "type": "clause",
      "title": "Munich Re CAR/EAR Endorsement 013 (Offsite Storage)",
      "shortDefinition": "Munich Re endorsement 013 extends a construction or erection policy to loss or damage to insured property temporarily held in a named off-site storage location away from the contract site, usually subject to its own sub-limit.",
      "synonyms": [
        "Off-Site Storage Clause"
      ],
      "linesOfBusiness": [
        "Engineering"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "Construction and Erection Insurance",
        "Storage",
        "CAR/EAR"
      ],
      "relations": {
        "relatedTerms": [],
        "partOf": [],
        "appliesTo": [
          "cov-car-ear"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": {
        "kind": "extension",
        "origin": "international-programme",
        "favours": "insured",
        "negotiability": "negotiable",
        "standardWordings": [
          "Munich Re CAR/EAR Endorsement 013 (Property in Off-Site Storage)"
        ]
      },
      "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/car-ear-endorsement-013-offsite-storage/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/klausel/car-ear-klausel-013-offsite-storage/",
      "body": "## Purpose\n\nConstruction and erection projects frequently do not store delivered components directly at the contract site, but in external warehouses or logistics centres – for example because the site is not yet ready, or delivery occurs well ahead of the planned installation date. The underlying construction or erection policy is usually geographically limited to the contract site named in the schedule and does not cover such off-site storage locations without an extension. Munich Re endorsement 013 closes this gap by extending cover to expressly named storage locations away from the contract site.\n\n## Effect and limits\n\nThe extension is generally subject to its own sub-limit per storage location, lower than the main sum insured, and requires the storage location to be named in advance and adequately secured. Typically excluded are losses reflecting ordinary storage risks unrelated to the construction or erection activity itself, such as inadequate packaging, pest infestation, or gradual deterioration during extended storage periods.\n\n## Negotiation and practice\n\nFor projects involving early delivery of critical components – such as transformers, turbines or prefabricated elements – the clause should be agreed early, with an adequate sub-limit and clearly named, secured storage locations, to avoid a coverage gap between goods receipt and actual installation."
    },
    "de": {
      "id": "clause-car-ear-offsite-storage",
      "lang": "de",
      "type": "clause",
      "title": "Munich-Re-CAR/EAR-Klausel 013 (Offsite Storage)",
      "shortDefinition": "Die Munich-Re-Klausel 013 erweitert eine Bau- oder Montagepolice um Sachschäden an versicherten Gütern, die vorübergehend ausserhalb der Baustelle in einem benannten Zwischenlager gelagert werden, meist mit eigenem Sublimit.",
      "synonyms": [
        "Zwischenlagerklausel",
        "Ausserhalb-der-Baustelle-Klausel"
      ],
      "linesOfBusiness": [
        "Technische Versicherung"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "Bau- und Montageversicherung",
        "Zwischenlagerung",
        "CAR/EAR"
      ],
      "relations": {
        "relatedTerms": [],
        "partOf": [],
        "appliesTo": [
          "cov-car-ear"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": {
        "kind": "extension",
        "origin": "international-programme",
        "favours": "insured",
        "negotiability": "negotiable",
        "standardWordings": [
          "Munich Re CAR/EAR Endorsement 013 (Property in Off-Site Storage)"
        ]
      },
      "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/car-ear-klausel-013-offsite-storage/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/clause/car-ear-endorsement-013-offsite-storage/",
      "body": "## Zweck\n\nBau- und Montageprojekte lagern gelieferte Komponenten häufig nicht direkt am Standort zwischen, sondern in externen Lagerhallen oder Logistikzentren – etwa weil der Standort noch nicht bereit ist oder die Lieferung deutlich vor dem geplanten Einbautermin erfolgt. Die Grundpolice einer Bau- oder Montageversicherung ist üblicherweise räumlich auf die im Versicherungsschein benannte Baustelle beschränkt und deckt solche Zwischenlagerorte ohne Erweiterung nicht. Die Munich-Re-Klausel 013 schliesst diese Lücke, indem sie den Versicherungsschutz auf ausdrücklich benannte Lagerorte ausserhalb der Baustelle ausdehnt.\n\n## Wirkung und Grenzen\n\nDie Erweiterung ist regelmässig auf einen eigenen, gegenüber der Hauptversicherungssumme niedrigeren Sublimit je Lagerort und in der Summe begrenzt und setzt voraus, dass der Lagerort im Vorfeld benannt und angemessen gesichert ist. Nicht gedeckt sind meist Schäden, die typische Lagerrisiken ausserhalb der eigentlichen Bau- oder Montagetätigkeit betreffen, etwa durch mangelhafte Verpackung, Schädlingsbefall oder allmähliche Wertminderung während längerer Lagerzeiten.\n\n## Verhandlung und Praxis\n\nBei Projekten mit vorgezogener Anlieferung kritischer Komponenten – etwa Transformatoren, Turbinen oder vorgefertigten Bauteilen – sollte die Klausel frühzeitig mit ausreichendem Sublimit und klar benannten, gesicherten Lagerorten vereinbart werden, um eine Deckungslücke zwischen Wareneingang und tatsächlichem Einbau zu vermeiden."
    }
  }
}