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Every German policy wording: Public servant liability insurance

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Key points side by side

Open a tariff for all 69 points and the full text.

  • covered
  • limited or only with an add-on
  • no
  • not addressed
Provider and tariff Financial loss Employer own loss Lock replacement Official property Official vehicle Run-off
Adam Riese Dienst Public servant liabilityTake out Adam Riese Dienst Public servant liability yes yes, up to EUR 10,000 yes, up to EUR 5,000 yes, up to EUR 10,000 yes, up to EUR 100,000 yes
BGV BGVDIENSTplus Public servant liabilityTake out BGV BGVDIENSTplus Public servant liability yes, up to EUR 25,000 yes, up to EUR 100,000, excess EUR 150 not addressed yes, up to EUR 100,000, excess EUR 150 yes, up to EUR 50,000 not addressed
DEVK Dienst- und Public servant liabilityTake out DEVK Dienst- und Public servant liability yes yes yes, up to EUR 50,000 not addressed yes, up to EUR 25,000 yes
die Bayerische Dienst-Kompakt Public servant liabilityTake out die Bayerische Dienst-Kompakt Public servant liability yes yes, up to EUR 3,000, excess EUR 250 yes yes, up to EUR 3,000, excess EUR 250 no yes
die Bayerische 2025 Public servant liabilityTake out die Bayerische 2025 Public servant liability yes, up to EUR 5,000 yes, up to EUR 150,000 yes yes, up to EUR 150,000 yes, up to EUR 150,000 yes
Die Haftpflichtkasse Haftpflichtkasse Dienst- und Amts Public servant liabilityTake out Die Haftpflichtkasse Haftpflichtkasse Dienst- und Amts Public servant liability yes yes yes, up to EUR 100,000 yes, up to EUR 10,000 yes, up to EUR 50,000 yes
HUK-COBURG Amts- und Public servant liabilityTake out HUK-COBURG Amts- und Public servant liability yes, up to EUR 1 million yes no yes yes, up to EUR 50,000 yes
LVM Dienst-Haftpflichtversicherung Public servant liabilityTake out LVM Dienst-Haftpflichtversicherung Public servant liability yes, up to EUR 30,000 yes, up to EUR 30,000 yes, up to EUR 100,000 yes, up to EUR 30,000 yes, up to EUR 30,000 yes
NV Diensthaftpflicht Public servant liabilityTake out NV Diensthaftpflicht Public servant liability yes yes not addressed yes, up to EUR 500, excess EUR 100 not addressed not addressed
VHV Dienst-in der Public servant liabilityTake out VHV Dienst-in der Public servant liability yes, up to EUR 50,000 yes yes yes, up to EUR 5,000 yes, up to EUR 50,000 yes
VRK Privat-, Amts- und Public servant liabilityTake out VRK Privat-, Amts- und Public servant liability yes, up to EUR 1 million yes no yes yes, up to EUR 50,000 yes
WGV Privat- und Basis Public servant liabilityTake out WGV Privat- und Basis Public servant liability yes, up to EUR 50,000 yes no yes not addressed yes
WGV Privat- und Optimal Public servant liabilityTake out WGV Privat- und Optimal Public servant liability yes, up to EUR 50,000 yes yes yes not addressed yes
WGV Privat- und Plus Public servant liabilityTake out WGV Privat- und Plus Public servant liability yes, up to EUR 50,000 yes yes, up to EUR 50,000 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 69 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 / DBV
  • Debeka
  • NÜRNBERGER
  • uniVersa
  • Württembergische

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