{
  "id": "clause-non-admitted",
  "type": "clause",
  "languages": {
    "en": {
      "id": "clause-non-admitted",
      "lang": "en",
      "type": "clause",
      "title": "Non-Admitted Insurance Clause",
      "shortDefinition": "The non-admitted insurance clause provides that a master policy in an international programme covers a risk directly in a given country only where placement without a local licence is legally permitted there, otherwise pointing to a locally admitted policy.",
      "synonyms": [
        "Unlicensed Insurance Clause"
      ],
      "linesOfBusiness": [
        "International programmes"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "Compliance",
        "International programmes"
      ],
      "relations": {
        "relatedTerms": [
          "reg-idd"
        ],
        "partOf": [],
        "appliesTo": [
          "cov-property-all-risks",
          "cov-betriebshaftpflicht"
        ],
        "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/non-admitted-insurance-clause/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/klausel/non-admitted-klausel/",
      "body": "## Purpose\n\nMany countries prohibit or restrict non-admitted insurance, meaning cover written by an insurer that is not licensed to transact business there. The non-admitted insurance clause makes this restriction visible in the wording of the master policy: it clarifies that the central policy only covers a subsidiary directly in a given country where placement without a local licence is permitted. Otherwise, a locally admitted policy must be in place so that the master policy can supplement it through difference-in-conditions mechanisms.\n\n## Effect and limits\n\nThe clause does not create a legal basis for otherwise impermissible placements; it merely documents the master policy's limits and points to local requirements. Breaching non-admitted rules can lead to fines, tax consequences and, in extreme cases, unenforceable claims settlement locally. The clause therefore does not replace a country-specific review but structures how the programme deals with its outcome.\n\n## Negotiation and practice\n\nIn practice, the non-admitted insurance clause is usually negotiated together with financial interest and DIC/DIL clauses, since these close the gaps a strict non-admitted restriction leaves behind. Risk managers should have each programme reviewed on a country-by-country basis to establish whether, and in what form, placement is permitted, as rules and their enforcement change frequently."
    },
    "de": {
      "id": "clause-non-admitted",
      "lang": "de",
      "type": "clause",
      "title": "Non-Admitted-Klausel",
      "shortDefinition": "Die Non-Admitted-Klausel regelt in internationalen Versicherungsprogrammen, dass eine Masterpolice ein Risiko in einem bestimmten Land nur dann direkt deckt, wenn eine dortige Placierung ohne lokale Zulassung des Versicherers rechtlich zulässig ist, und verweist andernfalls auf eine lokal admittierte Police.",
      "synonyms": [
        "Nicht zugelassene Deckung",
        "Unlicensed Insurance Clause"
      ],
      "linesOfBusiness": [
        "Internationale Programme"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "Compliance",
        "Internationale Programme"
      ],
      "relations": {
        "relatedTerms": [
          "reg-idd"
        ],
        "partOf": [],
        "appliesTo": [
          "cov-property-all-risks",
          "cov-betriebshaftpflicht"
        ],
        "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/non-admitted-klausel/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/clause/non-admitted-insurance-clause/",
      "body": "## Zweck\n\nViele Länder verbieten oder beschränken sogenannte Non-Admitted-Deckung, also Versicherungsschutz durch einen Versicherer, der dort nicht behördlich zugelassen ist. Die Non-Admitted-Klausel macht diese Beschränkung im Wortlaut der Masterpolice sichtbar: Sie stellt klar, dass die zentrale Police eine Tochtergesellschaft in einem Land nur dann unmittelbar deckt, wenn eine Placierung ohne lokale Zulassung zulässig ist. Andernfalls muss eine lokal admittierte Police bestehen, damit die Masterpolice über Differenzdeckungsmechanismen ergänzend eingreifen kann.\n\n## Wirkung und Grenzen\n\nDie Klausel schafft keine eigene Rechtsgrundlage für unzulässige Placierungen; sie dokumentiert lediglich die Grenzen der Masterpolice und verweist auf lokale Anforderungen. Verstösse gegen Non-Admitted-Vorschriften können zu Bussgeldern, Steuerfolgen und im Extremfall zur Unwirksamkeit der Schadenregulierung vor Ort führen. Die Klausel ersetzt daher keine länderspezifische Prüfung, sondern strukturiert lediglich, wie das Programm mit dem Ergebnis dieser Prüfung umgeht.\n\n## Verhandlung und Praxis\n\nIn der Praxis wird die Non-Admitted-Klausel meist zusammen mit Financial-Interest- und DIC/DIL-Klauseln verhandelt, da diese die Lücken schliessen, die eine strikte Non-Admitted-Beschränkung hinterlässt. Risikomanager sollten bei jedem Programmaufbau länderspezifisch prüfen lassen, ob und in welcher Form eine Placierung zulässig ist, da sich Vorschriften und deren Durchsetzung häufig ändern."
    }
  }
}