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Product liability insurance in Germany: every tariff, every wording

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Key points side by side

Open a tariff for all 60 points and the full text.

  • covered
  • limited or only with an add-on
  • no
  • not addressed
Provider and tariff Sum insured USA/Canada Removal/installation Connection/mixing Recall costs Deductible
Allianz Betriebshaftpflicht (AHB) Product liabilityTake out Allianz Betriebshaftpflicht (AHB) Product liability as stated in the policy schedule no not addressed not addressed not addressed yes
Allianz UnternehmensSchutz Product liabilityTake out Allianz UnternehmensSchutz Product liability as stated in the policy schedule yes yes yes not addressed not addressed
Allianz UnternehmensSchutz Unternehmensschutz Basis Product liabilityTake out Allianz UnternehmensSchutz Unternehmensschutz Basis Product liability yes, up to EUR 3 million yes not addressed not addressed not addressed not addressed
Allianz UnternehmensSchutz Unternehmensschutz Komfort Product liabilityTake out Allianz UnternehmensSchutz Unternehmensschutz Komfort Product liability yes, up to EUR 5 million yes not addressed not addressed not addressed not addressed
Allianz UnternehmensSchutz Unternehmensschutz Premium Product liabilityTake out Allianz UnternehmensSchutz Unternehmensschutz Premium Product liability yes, up to EUR 10 million yes not addressed not addressed not addressed not addressed
Allianz UnternehmensSchutz Unternehmensschutz Smart Product liabilityTake out Allianz UnternehmensSchutz Unternehmensschutz Smart Product liability yes, up to EUR 3 million yes not addressed not addressed not addressed not addressed
ALTE LEIPZIGER Firmen Product liabilityTake out ALTE LEIPZIGER Firmen Product liability as stated in the policy schedule no not addressed not addressed not addressed yes
ARAG Business Aktiv -Schutz 2017 Product liabilityTake out ARAG Business Aktiv -Schutz 2017 Product liability as stated in the policy schedule no yes yes yes EUR 250
ARAG Business -Schutz Product liabilityTake out ARAG Business -Schutz Product liability as stated in the policy schedule no yes yes yes EUR 250
BarmeniaGothaer Barmenia Gewerbe-Haftpflichtversicherung Product liabilityTake out BarmeniaGothaer Barmenia Gewerbe-Haftpflichtversicherung Product liability as stated in the policy schedule no yes, up to EUR 250,000 yes, up to EUR 250,000 no EUR 250
BGV Betriebs- und Firmen Product liabilityTake out BGV Betriebs- und Firmen Product liability as stated in the policy schedule yes yes, up to EUR 500,000 yes, up to EUR 500,000 yes, up to EUR 50,000 yes
DEVK Gewerbe Product liabilityTake out DEVK Gewerbe Product liability as stated in the policy schedule no yes, up to EUR 250,000 yes, up to EUR 250,000 no yes
ERGO Betriebs- und Industrie Product liabilityTake out ERGO Betriebs- und Industrie Product liability as stated in the policy schedule no not addressed not addressed not addressed yes
ERGO Betriebs- und Industrie Plus Product liabilityTake out ERGO Betriebs- und Industrie Plus Product liability as stated in the policy schedule no yes yes no yes
Gothaer Handel Product liabilityTake out Gothaer Handel Product liability as stated in the policy schedule yes yes, up to EUR 1 million yes, up to EUR 1 million no yes
Gothaer GewerbeProtect Product liabilityTake out Gothaer GewerbeProtect Product liability as stated in the policy schedule no not addressed not addressed not addressed yes
Hiscox Shops Product liabilityTake out Hiscox Shops Product liability as stated in the policy schedule yes not addressed not addressed no not addressed
Hiscox Smart Manufacturing by Hiscox Product liabilityTake out Hiscox Smart Manufacturing by Hiscox Product liability as stated in the policy schedule yes not addressed not addressed no yes
Interlloyd BusinessSecure Product liabilityTake out Interlloyd BusinessSecure Product liability as stated in the policy schedule no yes yes yes EUR 250
Interlloyd BusinessSecure Business Secure Premium Product liabilityTake out Interlloyd BusinessSecure Business Secure Premium Product liability as stated in the policy schedule no yes yes yes EUR 250
Itzehoer Landwirtschaft Product liabilityTake out Itzehoer Landwirtschaft Product liability as stated in the policy schedule no not addressed yes no EUR 500
Mannheimer Baugewerbe Product liabilityTake out Mannheimer Baugewerbe Product liability as stated in the policy schedule yes yes not addressed yes yes
Mannheimer Transportunternehmen Product liabilityTake out Mannheimer Transportunternehmen Product liability as stated in the policy schedule yes not addressed not addressed yes yes
NV Produkt-Haftpflicht (Landwirtschaft, Direktvermarktung) Product liabilityTake out NV Produkt-Haftpflicht (Landwirtschaft, Direktvermarktung) Product liability yes, up to EUR 1 million not addressed not addressed yes, up to EUR 1 million no not addressed
R+V Firmenkunden Kompakt Product liabilityTake out R+V Firmenkunden Kompakt Product liability as stated in the policy schedule yes, up to EUR 3 million, excess EUR 10,000 not addressed not addressed not addressed yes
R+V All Inclusive für das Baugewerbe Product liabilityTake out R+V All Inclusive für das Baugewerbe Product liability as stated in the policy schedule no yes yes yes yes
R+V UnternehmensPolice Kompakt Product liabilityTake out R+V UnternehmensPolice Kompakt Product liability as stated in the policy schedule yes 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 60 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
  • die Bayerische
  • Generali
  • Die Haftpflichtkasse
  • HDI
  • HDI Global
  • Helvetia
  • LVM
  • NÜRNBERGER
  • Provinzial
  • SIGNAL IDUNA
  • VHV
  • Versicherungskammer Bayern
  • Württembergische
  • WWK
  • Zurich
  • AIG
  • Chubb

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