{
  "id": "clause-sue-and-labour",
  "type": "clause",
  "languages": {
    "en": {
      "id": "clause-sue-and-labour",
      "lang": "en",
      "type": "clause",
      "title": "Sue and Labour Clause",
      "shortDefinition": "The sue and labour clause requires the insured to take reasonable steps to avert or minimise a loss where an insured event threatens or occurs, and covers the costs reasonably incurred in doing so in addition to the sum insured.",
      "synonyms": [
        "Sue and Labour"
      ],
      "linesOfBusiness": [
        "Marine cargo insurance",
        "Property insurance"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "London Market",
        "Marine",
        "Loss mitigation"
      ],
      "relations": {
        "relatedTerms": [],
        "partOf": [],
        "appliesTo": [
          "cov-yachtversicherung",
          "cov-property-all-risks"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": {
        "kind": "extension",
        "origin": "london-market",
        "favours": "neutral",
        "negotiability": "standard",
        "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/sue-and-labour-clause/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/klausel/sue-and-labour-klausel/",
      "body": "## Purpose\n\nOriginating historically in marine insurance law, the sue and labour clause requires the insured, where an insured event threatens or has occurred, to take all reasonable steps to avert or minimise the loss as if no insurance existed. In return, the clause makes clear that reasonable costs incurred for such salvage and loss-mitigation measures are reimbursed in addition to the agreed sum insured, rather than being deducted from it.\n\n## Effect and limits\n\nThe clause requires that the measures relate to an insured event and are proportionate to the threatened loss; disproportionately high expenditure, or expenditure incurred without any reasonable prospect of success, is not automatically covered. As no dedicated marine cargo coverage currently exists in the register, cov-yachtversicherung is additionally referenced here for the clause's marine origin; in modernised form, however, the clause is also found in property policies outside marine law.\n\n## Negotiation and practice\n\nInsureds should carefully document loss-mitigation measures so that, in the event of a claim, the entitlement to reimbursement of sue and labour costs can be evidenced. When negotiating, it should be clarified whether a separate sublimit applies to such costs and how the clause interacts with the policy's general loss-mitigation duties."
    },
    "de": {
      "id": "clause-sue-and-labour",
      "lang": "de",
      "type": "clause",
      "title": "Sue-and-Labour-Klausel",
      "shortDefinition": "Die Sue-and-Labour-Klausel verpflichtet den Versicherten, bei drohendem Schadenfall zumutbare Massnahmen zur Schadenabwendung oder -minderung zu ergreifen, und stellt die dafür angemessen aufgewendeten Kosten zusätzlich zur eigentlichen Deckungssumme unter Versicherungsschutz.",
      "synonyms": [
        "Sue and Labour Clause",
        "Sue-and-Labour"
      ],
      "linesOfBusiness": [
        "Transportversicherung",
        "Sachversicherung"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "London Market",
        "Marine",
        "Schadenminderung"
      ],
      "relations": {
        "relatedTerms": [],
        "partOf": [],
        "appliesTo": [
          "cov-yachtversicherung",
          "cov-property-all-risks"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": {
        "kind": "extension",
        "origin": "london-market",
        "favours": "neutral",
        "negotiability": "standard",
        "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/sue-and-labour-klausel/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/clause/sue-and-labour-clause/",
      "body": "## Zweck\n\nHistorisch aus dem Seeversicherungsrecht stammend, verpflichtet die Sue-and-Labour-Klausel den Versicherten, bei einem drohenden oder eingetretenen versicherten Ereignis alle zumutbaren Massnahmen zu ergreifen, um den Schaden abzuwenden oder zu mindern, so als bestünde keine Versicherung. Im Gegenzug stellt die Klausel klar, dass angemessene Kosten für solche Rettungs- und Schadenminderungsmassnahmen zusätzlich zur vereinbarten Versicherungssumme erstattet werden und nicht auf diese angerechnet werden.\n\n## Wirkung und Grenzen\n\nDie Klausel setzt voraus, dass die Massnahmen sich auf ein versichertes Ereignis beziehen und angemessen im Verhältnis zum drohenden Schaden sind; unangemessen hohe oder erfolglos bleibende Aufwendungen ohne vernünftige Erfolgsaussicht sind nicht automatisch gedeckt. Da im Bestand aktuell keine dedizierte Marine-Cargo-Deckung existiert, wird für den transportversicherungsrechtlichen Ursprung zusätzlich cov-yachtversicherung referenziert; die Klausel findet sich in modernisierter Form aber auch in Sachversicherungspolicen ausserhalb des Seerechts.\n\n## Verhandlung und Praxis\n\nVersicherte sollten Massnahmen zur Schadenminderung sorgfältig dokumentieren, um im Schadenfall den Anspruch auf Erstattung der Sue-and-Labour-Kosten belegen zu können. Bei Verhandlung ist zu klären, ob ein separates Sublimit für solche Kosten gilt und wie sich die Klausel zu allgemeinen Schadenminderungsobliegenheiten der Police verhält."
    }
  }
}