{
  "id": "clause-obhutsklausel",
  "type": "clause",
  "languages": {
    "en": {
      "id": "clause-obhutsklausel",
      "lang": "en",
      "type": "clause",
      "title": "Care, Custody and Control Exclusion (Obhutsklausel)",
      "shortDefinition": "The care, custody and control exclusion excludes from liability insurance damage to third-party property that is in the insured's custody, care, or control at the time of loss.",
      "synonyms": [
        "Obhutsklausel",
        "CCC Exclusion"
      ],
      "linesOfBusiness": [
        "Liability"
      ],
      "jurisdictions": [
        "DE"
      ],
      "tags": [
        "Liability Insurance",
        "Exclusion Clause"
      ],
      "relations": {
        "relatedTerms": [
          "cov-lagerversicherung",
          "term-mietsachschaeden",
          "term-avb"
        ],
        "partOf": [],
        "appliesTo": [
          "cov-betriebshaftpflicht"
        ],
        "regulatedBy": [
          "reg-vvg-de"
        ],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": {
        "kind": "exclusion",
        "origin": "de-market",
        "favours": "insurer",
        "negotiability": "negotiable",
        "standardWordings": [
          "GDV AHB 2016 clause 7.6"
        ]
      },
      "legalBasis": [],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.2.0",
      "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/care-custody-and-control-exclusion/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/klausel/obhutsklausel/",
      "body": "## Purpose\n\nThe care, custody and control exclusion is a common exclusion clause in general liability insurance under which damage to third-party property is excluded from coverage if that property is in the insured's custody, care, or actual control at the time the loss occurs.\n\n## Effect and limits\n\nThe exclusion serves to distinguish general liability insurance from specialized covers designed specifically for the risk of damage to third-party property taken into custody, such as a warehouse keeper's warehouse insurance or specific bailee clauses in commercial general liability insurance; without this exclusion, general liability insurance would effectively become property insurance for third-party property under the insured's control.\n\n## Negotiation and practice\n\nBecause the care, custody and control exclusion can lead to significant and economically relevant coverage gaps in certain industries (such as freight forwarding, repair, or cleaning businesses), many insurers offer a buy-back of bailee's coverage for an additional premium, frequently limited to a separate, lower sum insured and excluding particularly high-value items."
    },
    "de": {
      "id": "clause-obhutsklausel",
      "lang": "de",
      "type": "clause",
      "title": "Obhutsklausel (Care, Custody and Control Exclusion)",
      "shortDefinition": "Die Obhutsklausel schliesst in der Haftpflichtversicherung Schäden an fremden Sachen aus, die sich zum Zeitpunkt des Schadens in der Verwahrung, Obhut oder Kontrolle des Versicherungsnehmers befinden.",
      "synonyms": [
        "Care, Custody and Control Exclusion",
        "Verwahrungsklausel"
      ],
      "linesOfBusiness": [
        "Liability"
      ],
      "jurisdictions": [
        "DE"
      ],
      "tags": [
        "Haftpflichtversicherung",
        "Ausschlussklausel"
      ],
      "relations": {
        "relatedTerms": [
          "cov-lagerversicherung",
          "term-mietsachschaeden",
          "term-avb"
        ],
        "partOf": [],
        "appliesTo": [
          "cov-betriebshaftpflicht"
        ],
        "regulatedBy": [
          "reg-vvg-de"
        ],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": {
        "kind": "exclusion",
        "origin": "de-market",
        "favours": "insurer",
        "negotiability": "negotiable",
        "standardWordings": [
          "GDV AHB 2016 Ziff. 7.6"
        ]
      },
      "legalBasis": [],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.2.0",
      "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/obhutsklausel/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/clause/care-custody-and-control-exclusion/",
      "body": "## Zweck\n\nDie Obhutsklausel ist eine in der allgemeinen Haftpflichtversicherung verbreitete Ausschlussklausel, wonach Schäden an fremden Sachen vom Versicherungsschutz ausgenommen sind, wenn sich diese Sachen zum Zeitpunkt der Schadenentstehung in der Verwahrung, Obhut oder tatsächlichen Kontrolle des Versicherungsnehmers befinden.\n\n## Wirkung und Grenzen\n\nDer Ausschluss dient dazu, die allgemeine Haftpflichtversicherung von spezialisierten Deckungen abzugrenzen, die gezielt für das Risiko der Beschädigung fremder, in Obhut genommener Sachen konzipiert sind, etwa die Lagerversicherung des Lagerhalters oder spezielle Bearbeitungsklauseln in der Betriebshaftpflichtversicherung; ohne diesen Ausschluss würde die allgemeine Haftpflichtversicherung faktisch eine Sachversicherung für fremdes Eigentum unter der Kontrolle des Versicherungsnehmers darstellen.\n\n## Verhandlung und Praxis\n\nDa die Obhutsklausel in bestimmten Branchen (etwa im Speditions-, Reparatur- oder Reinigungsgewerbe) zu erheblichen und wirtschaftlich bedeutsamen Deckungslücken führen kann, bieten viele Versicherer einen Rückeinschluss der Obhutsschäden gegen zusätzliche Prämie an, häufig begrenzt auf eine gesonderte, niedrigere Deckungssumme und unter Ausschluss besonders werthaltiger Gegenstände."
    }
  }
}