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Environmental liability insurance in Germany (Umwelthaftpflicht) in Germany: every tariff, every wording

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Key points side by side

Open a tariff for all 61 points and the full text.

  • covered
  • limited or only with an add-on
  • no
  • not addressed
Provider and tariff Sum env. liability Sum env. damage Storage Gradual Own premises Beyond statute
ARAG Business Aktiv -Schutz 2017 Environmental liabilityTake out ARAG Business Aktiv -Schutz 2017 Environmental liability yes yes yes yes yes, up to EUR 500,000 not addressed
BarmeniaGothaer Barmenia Gewerbe-Haftpflichtversicherung Environmental liabilityTake out BarmeniaGothaer Barmenia Gewerbe-Haftpflichtversicherung Environmental liability yes, up to EUR 5 million yes, up to EUR 5 million yes yes yes no
BGV Betriebs- und Firmen Environmental liabilityTake out BGV Betriebs- und Firmen Environmental liability yes yes yes yes yes, up to EUR 10 million no
Continentale und -Basisversicherung Environmental liabilityTake out Continentale und -Basisversicherung Environmental liability yes yes, up to EUR 1 million yes yes yes no
DEVK Gewerbe Environmental liabilityTake out DEVK Gewerbe Environmental liability yes yes yes yes yes no
DEVK Heilwesen Environmental liabilityTake out DEVK Heilwesen Environmental liability yes yes yes yes yes no
DEVK Land- und Forstwirtschaft Environmental liabilityTake out DEVK Land- und Forstwirtschaft Environmental liability yes yes yes yes yes no
DEVK Unterrichtswesen Environmental liabilityTake out DEVK Unterrichtswesen Environmental liability yes yes yes yes yes no
Die Haftpflichtkasse Baunebengewerbe mit Environmental liabilityTake out Die Haftpflichtkasse Baunebengewerbe mit Environmental liability yes, up to EUR 3 million yes, up to EUR 3 million yes not addressed yes yes
Die Haftpflichtkasse Umweltschadensversicherung (AVB-USV) Environmental liabilityTake out Die Haftpflichtkasse Umweltschadensversicherung (AVB-USV) Environmental liability not addressed yes yes not addressed yes yes
Domcura Wohnungswirtschaft Environmental liabilityTake out Domcura Wohnungswirtschaft Environmental liability yes yes yes yes yes not addressed
ERGO und Industrie Environmental liabilityTake out ERGO und Industrie Environmental liability yes, up to EUR 3 million yes, up to EUR 3 million yes yes yes, up to EUR 1 million no
ERGO und Industrie Plus Environmental liabilityTake out ERGO und Industrie Plus Environmental liability yes, up to EUR 3 million yes, up to EUR 3 million yes yes yes, up to EUR 1 million no
exali Media-mit Environmental liabilityTake out exali Media-mit Environmental liability yes yes yes yes no no
Fahrlehrerversicherung Fahrschulen Environmental liabilityTake out Fahrlehrerversicherung Fahrschulen Environmental liability yes, up to EUR 5 million yes, up to EUR 5 million no yes yes no
Fahrlehrerversicherung Kfz-Gutachter 2,5 Mio. Environmental liabilityTake out Fahrlehrerversicherung Kfz-Gutachter 2,5 Mio. Environmental liability yes, up to EUR 5 million yes, up to EUR 5 million no yes yes no
Fahrlehrerversicherung Kfz-Gutachter 5 Mio. Environmental liabilityTake out Fahrlehrerversicherung Kfz-Gutachter 5 Mio. Environmental liability yes, up to EUR 5 million yes, up to EUR 5 million no yes yes no
Gothaer Handel Environmental liabilityTake out Gothaer Handel Environmental liability yes yes yes yes yes, up to EUR 1 million yes, up to EUR 1 million
Gothaer GewerbeProtect Environmental liabilityTake out Gothaer GewerbeProtect Environmental liability yes yes yes yes yes, up to EUR 1 million not addressed
Hiscox mit und Environmental liabilityTake out Hiscox mit und Environmental liability yes yes yes yes yes no
Hiscox Shops Environmental liabilityTake out Hiscox Shops Environmental liability yes yes yes yes yes no
Interlloyd BusinessSecure Environmental liabilityTake out Interlloyd BusinessSecure Environmental liability yes yes, up to EUR 5 million yes not addressed yes, up to EUR 1 million, excess EUR 2,000 yes
Interlloyd BusinessSecure Premium Environmental liabilityTake out Interlloyd BusinessSecure Premium Environmental liability yes yes, up to EUR 5 million yes not addressed yes, up to EUR 1 million, excess EUR 500 yes
Itzehoer Landwirtschaft Environmental liabilityTake out Itzehoer Landwirtschaft Environmental liability yes yes yes yes, up to EUR 250,000 no not addressed
Mannheimer Betriebs- und Environmental liabilityTake out Mannheimer Betriebs- und Environmental liability yes yes yes yes yes yes
Mannheimer Baugewerbe Environmental liabilityTake out Mannheimer Baugewerbe Environmental liability yes yes yes yes yes yes
Mannheimer Transportunternehmen Environmental liabilityTake out Mannheimer Transportunternehmen Environmental liability yes yes yes yes yes yes
Mannheimer REGNUM Umweltbaustein Environmental liabilityTake out Mannheimer REGNUM Umweltbaustein Environmental liability not addressed yes, up to EUR 1 million not addressed not addressed yes not addressed
Markel Pro Dienstleister Environmental liabilityTake out Markel Pro Dienstleister Environmental liability yes yes yes yes yes not addressed
NV UmweltPlus Environmental liabilityTake out NV UmweltPlus Environmental liability yes yes yes yes yes yes
NV UmweltTop Environmental liabilityTake out NV UmweltTop Environmental liability yes yes yes yes yes yes
R+V Firmenkunden Kompakt Environmental liabilityTake out R+V Firmenkunden Kompakt Environmental liability yes not addressed yes yes not addressed not addressed
R+V All Inclusive für das Baugewerbe Environmental liabilityTake out R+V All Inclusive für das Baugewerbe Environmental liability yes yes yes yes yes yes
R+V UnternehmensPolice Kompakt Environmental liabilityTake out R+V UnternehmensPolice Kompakt Environmental liability yes yes yes 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 61 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.

  • Allianz
  • AXA
  • Dialog
  • HDI
  • KRAVAG
  • 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