{
  "id": "clause-errors-and-omissions-programme",
  "type": "clause",
  "languages": {
    "en": {
      "id": "clause-errors-and-omissions-programme",
      "lang": "en",
      "type": "clause",
      "title": "Errors and Omissions Clause (Programme)",
      "shortDefinition": "The errors and omissions clause preserves cover under an international programme despite inadvertent administrative mistakes, such as a late notification or misrecorded local entity, provided the error is rectified promptly upon discovery.",
      "synonyms": [
        "E&O Clause (Programme Level)"
      ],
      "linesOfBusiness": [
        "International programmes",
        "Reinsurance"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "International programmes"
      ],
      "relations": {
        "relatedTerms": [],
        "partOf": [],
        "appliesTo": [
          "cov-property-all-risks",
          "term-treaty-reinsurance"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": {
        "kind": "condition",
        "origin": "international-programme",
        "favours": "neutral",
        "negotiability": "negotiable",
        "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/errors-and-omissions-clause-programme/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/klausel/errors-and-omissions-klausel-programmebene/",
      "body": "## Purpose\n\nInternational programmes and reinsurance contracts process large volumes of bordereaux, premium reports and claims data across many local entities; purely administrative mistakes, such as a newly formed subsidiary reported late or a miscoded premium, are practically unavoidable. The errors and omissions clause ensures that such an inadvertent mistake does not automatically void cover, but instead restores both parties to the position they would have occupied had the error not occurred.\n\n## Effect and limits\n\nThe clause expressly applies only to unintentional, inadvertent errors and omissions, not to deliberately false information or to errors that are not rectified promptly once discovered. It also does not override separately agreed deadlines and duties elsewhere in the programme, such as a distinct notice of loss or premium payment clause, and only operates to cure purely administrative slips.\n\n## Negotiation and practice\n\nProgramme leaders should establish internal controls that detect errors in bordereaux and local reporting early, since the clause presupposes prompt correction upon discovery and offers no retrospective cover for persistently ignored mistakes. When drafting, it should be made clear that the clause cannot be used to circumvent deadlines expressly agreed elsewhere in the contract."
    },
    "de": {
      "id": "clause-errors-and-omissions-programme",
      "lang": "de",
      "type": "clause",
      "title": "Errors-and-Omissions-Klausel (Programmebene)",
      "shortDefinition": "Die Errors-and-Omissions-Klausel bewahrt den Versicherungsschutz eines internationalen Programms trotz unabsichtlicher Verwaltungsfehler wie verspäteter Meldung oder fehlerhafter Erfassung einer Landesgesellschaft, sofern der Fehler nach Entdeckung unverzüglich berichtigt wird.",
      "synonyms": [
        "Errors and Omissions Clause",
        "E&O-Klausel (Programmebene)"
      ],
      "linesOfBusiness": [
        "Internationale Programme",
        "Rückversicherung"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "Internationale Programme"
      ],
      "relations": {
        "relatedTerms": [],
        "partOf": [],
        "appliesTo": [
          "cov-property-all-risks",
          "term-treaty-reinsurance"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": {
        "kind": "condition",
        "origin": "international-programme",
        "favours": "neutral",
        "negotiability": "negotiable",
        "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/errors-and-omissions-klausel-programmebene/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/clause/errors-and-omissions-clause-programme/",
      "body": "## Zweck\n\nInternationale Programme und Rückversicherungsverträge verarbeiten grosse Mengen an Bordereaux, Prämienmeldungen und Schadendaten über viele Landesgesellschaften hinweg; rein administrative Fehler wie eine verspätet gemeldete Neugesellschaft oder eine falsch codierte Prämie sind praktisch unvermeidlich. Die Errors-and-Omissions-Klausel stellt sicher, dass ein solcher unbeabsichtigter Fehler den Versicherungsschutz nicht automatisch entfallen lässt, sondern beide Seiten so gestellt werden, wie sie ohne den Fehler stünden.\n\n## Wirkung und Grenzen\n\nDie Klausel gilt ausdrücklich nur für unabsichtliche, versehentliche Fehler und Auslassungen, nicht für bewusst falsche Angaben oder für Fehler, die trotz Entdeckung nicht unverzüglich korrigiert werden. Sie überschreibt zudem keine eigenständig geregelten Fristen und Pflichten des Programms, etwa eine gesonderte Notice-of-Loss- oder Premium-Payment-Klausel, sondern wirkt nur ergänzend für rein administrative Versehen.\n\n## Verhandlung und Praxis\n\nProgrammführer sollten interne Kontrollen etablieren, die Fehler in Bordereaux und Landesmeldungen frühzeitig erkennen, da die Klausel eine unverzügliche Berichtigung nach Entdeckung voraussetzt und keine nachträgliche Absicherung für dauerhaft ignorierte Fehler bietet. Bei der Formulierung ist klarzustellen, dass die Klausel nicht zur Umgehung von Fristen genutzt werden kann, die anderswo im Vertrag ausdrücklich vereinbart sind."
    }
  }
}