{
  "id": "clause-waiver-of-subrogation",
  "type": "clause",
  "languages": {
    "en": {
      "id": "clause-waiver-of-subrogation",
      "lang": "en",
      "type": "clause",
      "title": "Waiver of Subrogation",
      "shortDefinition": "Under a waiver of subrogation, the insurer waives its right to recover a paid loss from specified third parties – for example group companies, tenants or contract partners.",
      "synonyms": [
        "Subrogation waiver"
      ],
      "linesOfBusiness": [
        "Property",
        "Liability",
        "Construction"
      ],
      "jurisdictions": [
        "CH",
        "EU"
      ],
      "tags": [
        "Contract clauses",
        "Contract management"
      ],
      "relations": {
        "relatedTerms": [
          "term-sum-insured"
        ],
        "partOf": [],
        "appliesTo": [
          "cov-property-all-risks",
          "cov-car-ear"
        ],
        "regulatedBy": [
          "reg-vvg"
        ],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": {
        "kind": "extension",
        "origin": "ch-market",
        "favours": "insured",
        "negotiability": "negotiable",
        "standardWordings": []
      },
      "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/waiver-of-subrogation/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/klausel/regressverzicht/",
      "body": "## Purpose\n\nWhen the insurer pays, the insured's recovery claims against third parties who caused the loss pass to the insurer by operation of law (subrogation). In close business relationships – corporate groups, lease and construction arrangements, operator consortia – this recourse is often unwanted because it economically hits the insured's own sphere or strains contractual relationships.\n\n## Effect and limits\n\nCommercial leases (waiver in favour of the tenant), construction and erection projects (waiver between project parties), group programmes (waiver within the group) and logistics or operator agreements are typical use cases. The waiver usually does not apply to gross negligence or intent.\n\n## Negotiation and practice\n\nThe waiver should be mirrored in the underlying contracts (lease, works contract) and in the policy, so that no gap opens up between the civil-law agreement and the insurance cover."
    },
    "de": {
      "id": "clause-waiver-of-subrogation",
      "lang": "de",
      "type": "clause",
      "title": "Regressverzichtsklausel",
      "shortDefinition": "Mit der Regressverzichtsklausel verzichtet der Versicherer darauf, nach einer Schadenzahlung Rückgriff auf bestimmte Dritte – etwa Konzerngesellschaften, Mieter oder Vertragspartner – zu nehmen.",
      "synonyms": [
        "Waiver of Subrogation",
        "Subrogationsverzicht"
      ],
      "linesOfBusiness": [
        "Sach",
        "Haftpflicht",
        "Bau"
      ],
      "jurisdictions": [
        "CH",
        "EU"
      ],
      "tags": [
        "Vertragsklauseln",
        "Vertragsmanagement"
      ],
      "relations": {
        "relatedTerms": [
          "term-sum-insured"
        ],
        "partOf": [],
        "appliesTo": [
          "cov-property-all-risks",
          "cov-car-ear"
        ],
        "regulatedBy": [
          "reg-vvg"
        ],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": {
        "kind": "extension",
        "origin": "ch-market",
        "favours": "insured",
        "negotiability": "negotiable",
        "standardWordings": []
      },
      "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/regressverzicht/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/clause/waiver-of-subrogation/",
      "body": "## Zweck\n\nZahlt der Versicherer, gehen Ersatzansprüche des Versicherungsnehmers gegen schadenverursachende Dritte von Gesetzes wegen auf ihn über (Subrogation). In engen Geschäftsbeziehungen – Konzernverbund, Miet- und Bauverhältnisse, Betreiberkonsortien – ist dieser Rückgriff oft unerwünscht, weil er wirtschaftlich die eigene Sphäre trifft oder Vertragsbeziehungen belastet.\n\n## Wirkung und Grenzen\n\nKommerzielle Mietverträge (Verzicht zugunsten des Mieters), Bau- und Montageprojekte (Verzicht zwischen Projektbeteiligten), Konzernprogramme (Verzicht innerhalb der Gruppe) sowie Logistik- und Betreiberverträge sind typische Anwendungsfälle. Bei grober Fahrlässigkeit oder Vorsatz gilt der Verzicht üblicherweise nicht.\n\n## Verhandlung und Praxis\n\nDer Verzicht sollte spiegelbildlich in den zugrunde liegenden Verträgen (Miete, Werkvertrag) und in der Police vereinbart sein, damit keine Lücke zwischen zivilrechtlicher Abrede und Versicherungsdeckung entsteht."
    }
  }
}