{
  "id": "clause-innocent-non-disclosure",
  "type": "clause",
  "languages": {
    "en": {
      "id": "clause-innocent-non-disclosure",
      "lang": "en",
      "type": "clause",
      "title": "Innocent Non-Disclosure Clause",
      "shortDefinition": "The innocent non-disclosure clause protects a good-faith co-insured from having another insured's intentional or negligent breach of the duty of disclosure imputed to them, provided they had no knowledge of the undisclosed circumstances themselves.",
      "synonyms": [
        "Non-Imputation Clause"
      ],
      "linesOfBusiness": [
        "International programmes"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "International programmes",
        "Disclosure Duty"
      ],
      "relations": {
        "relatedTerms": [
          "term-disclosure-duty"
        ],
        "partOf": [],
        "appliesTo": [
          "cov-property-all-risks",
          "cov-do"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": {
        "kind": "condition",
        "origin": "london-market",
        "favours": "insured",
        "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/innocent-non-disclosure-clause/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/klausel/innocent-non-disclosure-klausel/",
      "body": "## Purpose\n\nOn policies with several co-insureds, for example in group programmes or D&O cover for multiple officers, the question arises whether one insured's incorrect or incomplete disclosure at application stage also prejudices the other, innocent co-insureds. The innocent non-disclosure clause answers this in the negative: anyone who has acted honestly and had no knowledge of the relevant circumstances retains their cover, even where another co-insured withheld or misstated information.\n\n## Effect and limits\n\nThe clause only benefits persons who were genuinely uninvolved and acted in good faith; anyone who knew of the undisclosed circumstances or participated in the breach remains unprotected. It also does not help where the policy as a whole is void from inception — for example because of fraud by the company itself — since in that case there is no cover left to protect.\n\n## Negotiation and practice\n\nParticularly in D&O programmes covering several officers, a clear non-imputation provision is essential so that individual, honest officers do not lose their cover because of another's misconduct. When negotiating, it should be checked whether the clause also applies to the company itself as an insured or is expressly limited to natural persons."
    },
    "de": {
      "id": "clause-innocent-non-disclosure",
      "lang": "de",
      "type": "clause",
      "title": "Innocent-Non-Disclosure-Klausel",
      "shortDefinition": "Die Innocent-Non-Disclosure-Klausel schützt einen gutgläubigen Mitversicherten davor, dass ihm die vorsätzliche oder fahrlässige Anzeigepflichtverletzung eines anderen Versicherten zugerechnet wird, sofern er von den nicht offengelegten Umständen selbst keine Kenntnis hatte.",
      "synonyms": [
        "Innocent Non-Disclosure Clause",
        "Non-Imputation-Klausel"
      ],
      "linesOfBusiness": [
        "Internationale Programme"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "Internationale Programme",
        "Anzeigepflicht"
      ],
      "relations": {
        "relatedTerms": [
          "term-disclosure-duty"
        ],
        "partOf": [],
        "appliesTo": [
          "cov-property-all-risks",
          "cov-do"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": {
        "kind": "condition",
        "origin": "london-market",
        "favours": "insured",
        "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/innocent-non-disclosure-klausel/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/clause/innocent-non-disclosure-clause/",
      "body": "## Zweck\n\nBei Policen mit mehreren Mitversicherten, etwa in Konzernprogrammen oder D&O-Deckungen für mehrere Organe, stellt sich die Frage, ob die unrichtige oder unvollständige Angabe eines Versicherten bei Antragstellung auch den übrigen, gutgläubigen Mitversicherten schadet. Die Innocent-Non-Disclosure-Klausel verneint dies: Wer selbst redlich gehandelt und die massgeblichen Umstände nicht kannte, soll seinen Versicherungsschutz behalten, auch wenn ein anderer Mitversicherter Angaben verschwiegen oder falsch gemacht hat.\n\n## Wirkung und Grenzen\n\nDie Klausel wirkt nur zugunsten tatsächlich unbeteiligter, gutgläubiger Personen; wer selbst Kenntnis von den nicht offengelegten Umständen hatte oder an der Anzeigepflichtverletzung mitwirkte, bleibt ungeschützt. Sie hilft zudem nicht, wenn die Police insgesamt – etwa wegen arglistiger Täuschung durch die Gesellschaft selbst – von Anfang an unwirksam ist («void ab initio»), da dann kein Versicherungsschutz besteht, der geschützt werden könnte.\n\n## Verhandlung und Praxis\n\nInsbesondere in D&O-Programmen mit mehreren versicherten Organen ist eine klare Non-Imputation-Regelung zentral, damit einzelne, redliche Organmitglieder nicht durch das Fehlverhalten anderer ihren Schutz verlieren. Bei Verhandlung ist zu prüfen, ob die Klausel auch für die Gesellschaft selbst als Versicherte gilt oder ausdrücklich nur für natürliche Personen."
    }
  }
}