{
  "id": "clause-subrogation-international",
  "type": "clause",
  "languages": {
    "en": {
      "id": "clause-subrogation-international",
      "lang": "en",
      "type": "clause",
      "title": "Subrogation Clause (International Programmes)",
      "shortDefinition": "The subrogation clause governs the transfer of the policyholder's recovery rights against third parties to the insurer once a claim has been paid, and aligns that right across the master and local policies of an international programme.",
      "synonyms": [],
      "linesOfBusiness": [
        "International programmes"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "International programmes",
        "Recovery"
      ],
      "relations": {
        "relatedTerms": [
          "clause-waiver-of-subrogation"
        ],
        "partOf": [],
        "appliesTo": [
          "cov-property-all-risks"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": {
        "kind": "condition",
        "origin": "international-programme",
        "favours": "insurer",
        "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/subrogation-clause-international-programmes/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/klausel/subrogationsklausel-internationale-programme/",
      "body": "## Purpose\n\nWhere an insurer pays a loss caused by a third party, the policyholder's claim for damages against that third party transfers to the insurer by operation of law or contract in many jurisdictions (subrogation). In international programmes, the subrogation clause makes clear that this recovery right applies uniformly across the master and local policies, and sets out how any recovery proceeds are allocated among the entities and insurers involved.\n\n## Effect and limits\n\nThe transfer of the claim only extends to the amount of indemnity actually paid; any excess loss remains with the policyholder. Intra-group recovery claims against affiliated companies are frequently excluded in international programmes, or waived through a separate waiver of subrogation clause, so as not to burden the group's economics with internal recovery payments. In addition, local statutory rules may impose their own mandatory subrogation regime that departs from the master policy.\n\n## Negotiation and practice\n\nWhen structuring a programme, it must be decided whether and in what order recovery claims are pursued between the master and local insurer, and how any recovery proceeds reduce the loss borne by the parties involved. The subrogation clause is frequently combined with a waiver of subrogation in favour of group companies, landlords, or contractual counterparties."
    },
    "de": {
      "id": "clause-subrogation-international",
      "lang": "de",
      "type": "clause",
      "title": "Subrogationsklausel (internationale Programme)",
      "shortDefinition": "Die Subrogationsklausel regelt den Übergang der Regressansprüche des Versicherungsnehmers gegen Dritte auf den Versicherer nach Schadenzahlung und stimmt dieses Recht über Master- und Lokalpolicen eines internationalen Programms hinweg ab.",
      "synonyms": [
        "Subrogation Clause"
      ],
      "linesOfBusiness": [
        "Internationale Programme"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "Internationale Programme",
        "Regress"
      ],
      "relations": {
        "relatedTerms": [
          "clause-waiver-of-subrogation"
        ],
        "partOf": [],
        "appliesTo": [
          "cov-property-all-risks"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": {
        "kind": "condition",
        "origin": "international-programme",
        "favours": "insurer",
        "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/subrogationsklausel-internationale-programme/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/clause/subrogation-clause-international-programmes/",
      "body": "## Zweck\n\nZahlt der Versicherer einen Schaden, der von einem Dritten verursacht wurde, geht der Ersatzanspruch des Versicherungsnehmers gegen diesen Dritten in vielen Rechtsordnungen kraft Gesetzes oder Vertrags auf den Versicherer über (Subrogation). In internationalen Programmen stellt die Subrogationsklausel klar, dass dieses Regressrecht einheitlich für Master- und Lokalpolicen gilt, und regelt, wie ein erzielter Regresserlös zwischen den beteiligten Gesellschaften und Versicherern aufgeteilt wird.\n\n## Wirkung und Grenzen\n\nDer Übergang des Anspruchs erfolgt nur in Höhe der tatsächlich geleisteten Entschädigung; ein darüberhinausgehender Schaden verbleibt beim Versicherungsnehmer. Innerkonzernliche Regressansprüche gegen verbundene Unternehmen werden in internationalen Programmen häufig ausgeschlossen oder durch eine separate Waiver-of-Subrogation-Klausel aufgehoben, um die Wirtschaftlichkeit des Konzerns nicht durch interne Regresszahlungen zu belasten. Zudem können lokale Rechtsvorschriften eigene, zwingende Regeln zur Subrogation vorsehen, die von der Masterpolice abweichen.\n\n## Verhandlung und Praxis\n\nBei der Programmgestaltung ist festzulegen, ob und in welcher Reihenfolge Regressansprüche zwischen Master- und Lokalversicherer verfolgt werden und wie ein Regresserlös die von den Beteiligten getragene Schadenlast mindert. Häufig wird die Subrogationsklausel mit einer Waiver-of-Subrogation-Regelung zugunsten von Konzerngesellschaften, Vermietern oder Vertragspartnern kombiniert."
    }
  }
}