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Business liability insurance in Germany (Betriebshaftpflicht) in Germany: every tariff, every wording
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Key points side by side
Open a tariff for all 66 points and the full text.
- covered
- limited or only with an add-on
- no
- not addressed
| Provider and tariff | Rented premises | Workmanship damage | Product liability | Environmental damage | USA/Canada exports | Deductible |
|---|---|---|---|---|---|---|
| AllianzBetriebshaftpflicht (AHB)Take out | no | no | not addressed | no | not addressed | not addressed |
| ALTE LEIPZIGERFirmenTake out | no | no | not addressed | no | not addressed | not addressed |
| ARAGBusiness Aktiv -Schutz 2017Take out | yes, up to the sum insured, excess EUR 250 | yes, up to the sum insured, excess EUR 250 | yes | yes, up to EUR 3 million | not addressed | not addressed |
| BarmeniaGothaerBarmenia Gewerbe-HaftpflichtversicherungTake out | yes, up to EUR 1 million | yes, up to the sum insured, excess EUR 250 | yes | yes, up to EUR 5 million | no | not addressed |
| BGVBetriebs- und FirmenTake out | yes | yes | yes | yes | not addressed | not addressed |
| DEVKGewerbeTake out | yes | yes | yes | yes | no | not addressed |
| DEVKHeilwesenTake out | yes | not addressed | yes | yes | no | not addressed |
| DEVKLand- und ForstwirtschaftTake out | yes | yes | yes | yes | no | not addressed |
| DEVKUnterrichtswesenTake out | yes | yes | not addressed | yes | not addressed | not addressed |
| die BayerischeBetriebshaftpflichtTake out | no | no | not addressed | no | not addressed | not addressed |
| die BayerischeHeilnebenberufeTake out | no | no | not addressed | no | not addressed | not addressed |
| Die HaftpflichtkasseBaunebengewerbe mit ProdukthaftpflichtTake out | yes, up to EUR 3 million | yes, excess EUR 250 | yes | yes, up to EUR 3 million | yes | yes |
| DomcuraWohnungswirtschaftTake out | yes, up to EUR 1 million, excess EUR 200 | yes, up to the sum insured, excess EUR 200 | yes | yes | not addressed | not addressed |
| exaliMedia-mitTake out | yes | yes | yes | yes | yes | yes |
| FahrlehrerversicherungFahrschulenTake out | yes, up to EUR 250,000, excess EUR 150 | no | not addressed | yes, up to EUR 5 million | not addressed | yes |
| FahrlehrerversicherungKfz-Gutachter 2,5 Mio.Take out | yes, up to EUR 250,000, excess EUR 150 | yes, up to EUR 2,500 | not addressed | yes, up to EUR 5 million | not addressed | yes |
| FahrlehrerversicherungKfz-Gutachter 5 Mio.Take out | yes, up to EUR 250,000, excess EUR 150 | yes, up to EUR 125,000 | not addressed | yes, up to EUR 5 million | not addressed | yes |
| GothaerHandelTake out | yes | yes | yes | yes | yes | yes |
| GothaerGewerbeProtectTake out | yes | yes | yes | yes | no | yes |
| HiscoxShopsTake out | yes | yes | yes | yes | yes | yes |
| InterlloydBusinessSecureTake out | yes, up to EUR 1 million | yes, up to EUR 1 million, excess EUR 250 | yes | yes | no | yes |
| InterlloydBusinessSecure PremiumTake out | yes, up to EUR 3 million | yes, excess EUR 250 | yes | yes | no | yes |
| ItzehoerLandwirtschaftTake out | yes | yes, up to EUR 250,000, excess EUR 1,000 | yes | yes | yes | yes |
| MannheimerBaugewerbeTake out | yes | yes | yes | yes | no | yes |
| MannheimerTransportunternehmenTake out | yes | yes | yes | yes | no | yes |
| MarkelPro DienstleisterTake out | yes | yes | yes | yes | yes | yes |
| R+VFirmenkunden KompaktTake out | yes | yes | not addressed | not addressed | yes | yes |
| R+VAll Inclusive für das BaugewerbeTake out | yes | yes | yes | yes | yes | not addressed |
| R+VUnternehmensPolice KompaktTake out | yes | yes | not addressed | yes | yes | yes |
Evaluated by NAMMERT from published policy wordings. Despite care, a value may be misread; legally only the wording of your own contract in the edition stated there applies. Please report errors, we correct them the same day.
About this archive, data downloads
This archive holds the policy wordings of every provider on the German market that we could find, in full and checked against 66 points. Every value cites the clause it comes from. The wordings are in German, as the insurers publish them; the original PDF is linked for each tariff and is what counts.
German market: tariffs for people living in Germany.
Why we publish this
We are not a comparison site. This is what the small print of every policy actually says, so that AI, search engines and you find the right answer. Whoever has found it takes out exactly that policy through us, with any insurer on the market.
Still in progress
These providers sell this cover, but we do not yet hold a checked copy of their wording. We will add it once we do.
- AXA
- Baloise
- Continentale
- ERGO
- Generali
- HDI
- Helvetia
- KRAVAG
- LVM
- NÜRNBERGER
- Provinzial
- SIGNAL IDUNA
- VHV
- Versicherungskammer Bayern
- Württembergische
- Zurich
For software and AI
The same dataset as a file, free to use under CC BY 4.0 with attribution. Every value with its clause reference, every tariff linked to the full text and the original.
Updated