{
  "id": "cov-property-all-risks",
  "type": "coverage",
  "languages": {
    "en": {
      "id": "cov-property-all-risks",
      "lang": "en",
      "type": "coverage",
      "title": "Property All Risks",
      "shortDefinition": "Property all risks insurance covers unforeseen damage to or destruction of insured property from any peril that is not expressly excluded.",
      "synonyms": [
        "All risks property cover"
      ],
      "linesOfBusiness": [
        "Property"
      ],
      "jurisdictions": [
        "CH",
        "EU",
        "Global"
      ],
      "tags": [
        "Property Insurance",
        "Commercial Lines"
      ],
      "relations": {
        "relatedTerms": [
          "term-sum-insured",
          "term-deductible",
          "cov-business-interruption",
          "riskg-fire-protection-concept",
          "riskg-sprinkler-systems",
          "riskg-natural-hazards",
          "riskg-warehouse-storage",
          "riskg-explosion-protection",
          "riskg-lightning-protection",
          "riskg-electrical-installations",
          "riskg-dust-explosion",
          "riskg-risk-survey",
          "clause-elementarschadenklausel",
          "clause-asbest-kontaminationsausschluss",
          "clause-terrorausschluss-property",
          "clause-innere-unruhen-srcc",
          "clause-cyber-ausschluss-sach",
          "clause-radioaktive-kontamination",
          "clause-communicable-disease-exclusion",
          "clause-debris-removal",
          "clause-brands-and-labels",
          "clause-non-invalidation",
          "clause-pair-and-set",
          "clause-salvage",
          "clause-theft-forcible-entry",
          "clause-dic-dil",
          "clause-finc",
          "clause-non-admitted",
          "clause-master-policy-umbrella",
          "clause-good-local-standard",
          "clause-territorial-scope-international",
          "clause-named-windstorm",
          "clause-political-risk-clause"
        ],
        "partOf": [],
        "appliesTo": [],
        "regulatedBy": [
          "reg-vvg"
        ],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": [
          "cov-business-interruption",
          "cov-maschinenversicherung"
        ]
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": {
        "trigger": "all-risks",
        "insuredInterest": "Physical property (buildings, contents, stock) owned or held in trust by the policyholder at the insured location.",
        "insuredEvents": [
          "Fire and explosion",
          "Water damage",
          "Storm and hail",
          "Impact and collision",
          "Theft with forcible entry (where included)"
        ],
        "keyExclusions": [
          "War and nuclear energy",
          "Wear and tear, gradual deterioration",
          "Design and material defects",
          "Cyber losses without resulting physical damage",
          "Natural catastrophe exposure beyond agreed sublimits"
        ],
        "ratingBasis": [
          "Sum insured",
          "Turnover",
          "Building value",
          "Location and construction class"
        ],
        "typicalLimits": "Full-value or first-loss limits per location; layered international programmes often reach several hundred million CHF/EUR in total capacity.",
        "typicalDeductibles": "Per-occurrence deductible, typically higher for natural catastrophe and machinery-related perils.",
        "mandatory": [],
        "targetSegments": [
          "SME",
          "Industry",
          "Multinational programmes"
        ]
      },
      "clause": null,
      "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": "process:reconstructed",
        "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/coverage/property-all-risks/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/deckung/sach-allgefahren/",
      "body": "## Coverage principle\n\nUnlike named-perils cover (fire, natural perils, etc.), all-risks cover reverses the burden of proof: any unforeseen, sudden physical damage is insured unless an exclusion applies. The insurer must prove the exclusion, not the insured the insured peril.\n\n## Typical exclusions\n\nWar, nuclear energy, intent, gradual wear and tear, defects in design and material (partially recoverable through engineering covers), cyber losses without physical damage and – depending on the market – natural catastrophe sublimits for exposed zones.\n\n## Programme design\n\nIn international programmes, the all-risks cover usually forms the master policy, complemented by local policies. Key design elements are sums insured and margins, deductible structure, sublimits and alignment with the business interruption cover.\n\n## Comparison and delineation\n\nProperty all risks is the market default for commercial property damage; a stand-alone named-perils policy (fire, allied perils only) is rarer today but still used where all-risks capacity is scarce or pricing prohibitive. It is regularly complemented by business interruption cover, which responds to the loss of gross profit following an insured property damage event, and by machinery breakdown cover, which insures mechanical and electrical breakdown perils that all-risks wordings typically exclude."
    },
    "de": {
      "id": "cov-property-all-risks",
      "lang": "de",
      "type": "coverage",
      "title": "Sach-Allgefahrenversicherung (Property All Risks)",
      "shortDefinition": "Die Sach-Allgefahrenversicherung deckt unvorhergesehene Beschädigung oder Zerstörung versicherter Sachen aus jeder Gefahr, die nicht ausdrücklich ausgeschlossen ist.",
      "synonyms": [
        "Property All Risks",
        "Allgefahrendeckung"
      ],
      "linesOfBusiness": [
        "Sach"
      ],
      "jurisdictions": [
        "CH",
        "EU",
        "Global"
      ],
      "tags": [
        "Sachversicherung",
        "Unternehmensversicherung"
      ],
      "relations": {
        "relatedTerms": [
          "term-sum-insured",
          "term-deductible",
          "cov-business-interruption",
          "riskg-fire-protection-concept",
          "riskg-sprinkler-systems",
          "riskg-natural-hazards",
          "riskg-warehouse-storage",
          "riskg-explosion-protection",
          "riskg-lightning-protection",
          "riskg-electrical-installations",
          "riskg-dust-explosion",
          "riskg-risk-survey",
          "clause-elementarschadenklausel",
          "clause-asbest-kontaminationsausschluss",
          "clause-terrorausschluss-property",
          "clause-innere-unruhen-srcc",
          "clause-cyber-ausschluss-sach",
          "clause-radioaktive-kontamination",
          "clause-communicable-disease-exclusion",
          "clause-debris-removal",
          "clause-brands-and-labels",
          "clause-non-invalidation",
          "clause-pair-and-set",
          "clause-salvage",
          "clause-theft-forcible-entry",
          "clause-dic-dil",
          "clause-finc",
          "clause-non-admitted",
          "clause-master-policy-umbrella",
          "clause-good-local-standard",
          "clause-territorial-scope-international",
          "clause-named-windstorm",
          "clause-political-risk-clause"
        ],
        "partOf": [],
        "appliesTo": [],
        "regulatedBy": [
          "reg-vvg"
        ],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": [
          "cov-business-interruption",
          "cov-maschinenversicherung"
        ]
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": {
        "trigger": "all-risks",
        "insuredInterest": "Sachsubstanz eigener und in Obhut genommener fremder Sachen (Gebäude, Einrichtung, Vorräte) am Versicherungsort.",
        "insuredEvents": [
          "Feuer und Explosion",
          "Leitungswasser",
          "Sturm und Hagel",
          "Anprall und Kollision",
          "Einbruchdiebstahl (soweit eingeschlossen)"
        ],
        "keyExclusions": [
          "Krieg und Kernenergie",
          "Abnutzung, allmähliche Verschlechterung",
          "Konstruktions- und Materialfehler",
          "Cyber-Schäden ohne Sachfolgeschaden",
          "Naturgefahren ausserhalb vereinbarter Sublimiten"
        ],
        "ratingBasis": [
          "Versicherungssumme",
          "Umsatz",
          "Gebäudewert",
          "Standort und Bauart"
        ],
        "typicalLimits": "Vollwert- oder Erstrisikosummen je Standort; in international geschichteten Programmen oft mehrere hundert Millionen CHF/EUR Gesamtkapazität.",
        "typicalDeductibles": "Ereignisbezogener Selbstbehalt, meist höher für Naturgefahren und maschinenbezogene Gefahren.",
        "mandatory": [],
        "targetSegments": [
          "KMU",
          "Industrie",
          "Internationale Programme"
        ]
      },
      "clause": null,
      "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": "process:reconstructed",
        "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/deckung/sach-allgefahren/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/coverage/property-all-risks/",
      "body": "## Deckungsprinzip\n\nAnders als die Benannte-Gefahren-Deckung (Feuer, Elementar usw.) kehrt die Allgefahrendeckung die Beweislast um: Versichert ist jede unvorhergesehene, plötzliche Sachbeschädigung, sofern kein Ausschluss greift. Der Versicherer muss den Ausschluss beweisen, nicht der Versicherungsnehmer die versicherte Gefahr.\n\n## Typische Ausschlüsse\n\nKrieg, Kernenergie, Vorsatz, allmähliche Abnutzung, Konstruktions- und Materialfehler (teils über technische Deckungen rückholbar), Cyber-Schäden ohne Sachfolge sowie – marktabhängig – Naturgefahren-Sublimiten für exponierte Zonen.\n\n## Programmgestaltung\n\nDie Allgefahrendeckung bildet in internationalen Programmen meist die Master-Police, ergänzt um lokale Policen. Zentrale Gestaltungselemente sind Versicherungssummen und Margen, Selbstbehaltsstruktur, Sublimiten sowie die Abstimmung mit der Betriebsunterbrechungsdeckung.\n\n## Vergleich und Abgrenzung\n\nDie Sach-Allgefahrenversicherung ist heute der Marktstandard für gewerbliche Sachschäden; eine reine Benannte-Gefahren-Police (nur Feuer und verwandte Gefahren) ist selten geworden, wird aber eingesetzt, wenn Allgefahren-Kapazität knapp oder deren Prämie unverhältnismässig ist. Sie wird regelmässig ergänzt durch die Betriebsunterbrechungsversicherung, die den Ertragsausfall nach einem versicherten Sachschaden abdeckt, sowie durch die Maschinenversicherung, die mechanische und elektrische Bruchschäden versichert, die in Allgefahren-Bedingungen meist ausgeschlossen sind."
    }
  }
}