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Every German policy wording: Cleaning company insurance

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Key points side by side

Open a tariff for all 68 points and the full text.

  • covered
  • limited or only with an add-on
  • no
  • not addressed
Provider and tariff Immovable property Surfaces/agents Key loss Access cards Deductible work Machinery breakdown
Allianz UnternehmensSchutz Basis Cleaning firmsTake out Allianz UnternehmensSchutz Basis Cleaning firms yes not addressed yes not addressed not addressed not addressed
Allianz UnternehmensSchutz Komfort Cleaning firmsTake out Allianz UnternehmensSchutz Komfort Cleaning firms yes not addressed yes not addressed not addressed not addressed
Allianz UnternehmensSchutz Premium Cleaning firmsTake out Allianz UnternehmensSchutz Premium Cleaning firms yes not addressed yes not addressed not addressed not addressed
Allianz UnternehmensSchutz Smart Cleaning firmsTake out Allianz UnternehmensSchutz Smart Cleaning firms yes not addressed yes not addressed not addressed not addressed
BGV Firmen Cleaning firmsTake out BGV Firmen Cleaning firms yes, up to EUR 500,000 not addressed yes yes not addressed not addressed
Die Haftpflichtkasse Firmenkunden Cleaning firmsTake out Die Haftpflichtkasse Firmenkunden Cleaning firms no not addressed not addressed not addressed not addressed not addressed
ERGO Betriebs- und Cleaning firmsTake out ERGO Betriebs- und Cleaning firms yes, up to EUR 3 million not addressed yes yes not addressed not addressed
Hiscox by Hiscox Cleaning firmsTake out Hiscox by Hiscox Cleaning firms yes, up to EUR 50,000 not addressed not addressed not addressed not addressed not addressed
Mecklenburgische Grunddeckung Cleaning firmsTake out Mecklenburgische Grunddeckung Cleaning firms yes, up to EUR 30,000 not addressed yes, up to EUR 20,000 yes not addressed not addressed
Mecklenburgische Komfortdeckung Cleaning firmsTake out Mecklenburgische Komfortdeckung Cleaning firms yes, up to EUR 3 million not addressed yes, up to EUR 3 million yes not addressed not addressed
R+V UnternehmensPolice Sachversicherungen Cleaning firmsTake out R+V UnternehmensPolice Sachversicherungen Cleaning firms not addressed not addressed not addressed not addressed not addressed 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 68 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.

  • Gothaer
  • SIGNAL IDUNA
  • VHV
  • 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.

JSON CSV (Excel)

Updated