Insurance broker / Beekeeper insurance / Policy wording archive Beekeeper cover
Gaede & Glauerdt Global Imkerverband Rheinland: the policy wording in full
Gruppenversicherung des Imkerverbands Rheinland mit Sach- und Transportschutz für Völker, Beuten und Inventar zum Zeitwert und Imkerhaftpflicht mit 10 Mio. EUR pauschal, dazu freiwillige Ergänzung für Bienenhäuser.
German market: tariffs for people living in Germany.
Done in two minutes: your details are enough, we take care of the rest.
- Free for you, same price as going direct
- 4.97 out of 5 stars from 5,048 reviews
- On your side when you claim
Take out this policy through NAMMERT
You have already worked out with your AI what fits you.
All we need now are your details and a few answers.
We prepare your application with Gaede & Glauerdt.
- AI has advised
- 2Your details
- Application to Gaede & Glauerdt
Thank you, we have your application.
We prepare it with Gaede & Glauerdt and get back to you with the documents.
Everything about this policy
What the policy covers: 68 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Gaede & Glauerdt Global
Imkerverband Rheinland.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form: group policy of a beekeepers' association (membership required) or individual policy | yes | „Versichert sind der Imkerverband Rheinland e. V., alle seine Unterorganisationen“ | Einleitung, page 1 |
| Modules of the policy (liability, property cover for colonies and hives, transit, accident, legal expenses) | yes | „Versicherte Gefahren der Sach- und der Transportversicherung“ | Ziffer 2, page 2 |
| Covers hobby and commercial beekeeping (part time and full time) | not addressed | ||
| Maximum number of insured colonies or banding by colony count | not addressed | ||
| Minimum number of colonies required | not addressed | ||
| Territorial scope (home sites, migratory sites, abroad) | yes | „die im unmittelbaren Zusammenhang mit einer Wanderung transportiert werden, innerhalb …“ | Ziffer 2.1.7, page 3 |
| Registration of colonies with the authority or association as a condition (apiary register, REGA) | not addressed |
Liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Liability limit for bodily injury and property damage | yes, up to EUR 10 million | „Die Deckungssummen betragen 10.000.000 EUR pauschal für Personen-, Sach und …“ | Ziffer 3.2, page 4 |
| Damage from bee stings to third parties (including allergic reactions) | yes, up to the sum insured | „Der Versicherungsschutz erstreckt sich auf die gesetzliche Haftpflicht aus allen …“ | Ziffer 3.1.1, page 4 |
| Damage to other people's animals (livestock, horses) caused by bees | yes, up to the sum insured | „gesetzliche Haftpflicht aus allen Wagnissen des Mitgliedes des Imkerverbandes in seiner …“ | Ziffer 3.1.1, page 4 |
| Road traffic damage caused by bees (accident after a sting, swarm crossing a road) | not addressed | ||
| Liability for escaped swarms and their capture | not addressed | ||
| Soiling by bee droppings (vehicles, laundry, façades) | not addressed | ||
| Product liability for honey, wax, mead and other bee products | yes, up to the sum insured | „Ferner versichert sind Vermögensschäden, Risiken der Produkthaftung“ | Ziffer 3.1.6, page 4 |
| Environmental liability and environmental damage | yes, up to the sum insured | „Haftpflichtschäden durch von der versicherten Imkerei ausgehende Umwelteinwirkungen“ | Ziffer 3.1.6, page 4 |
| Pollination services and migratory sites on third party land (liability towards the farmer) | not addressed | ||
| Damage from spreading bee diseases to other colonies (foulbrood, varroa) | not addressed | ||
| Demonstration beekeeping, courses, tours and markets | yes, up to the sum insured | „Die von diesen veranstalteten und/oder in deren Auftrag durchgeführten Vorführungen …“ | Ziffer 3.1.3, page 4 |
| Damage to rented premises and land (extraction room, bee house) | not addressed | ||
| Loss of third party keys | not addressed | ||
| Pure financial loss | yes, up to the sum insured | „Ferner versichert sind Vermögensschäden“ | Ziffer 3.1.6, page 4 |
| Co-insured persons (family, helpers, sponsors, substitutes) | yes | „auf solche Schäden, für welche die mit dem Versicherten in Hausgemeinschaft lebenden …“ | Ziffer 3.1.5, page 4 |
| Defence against unfounded claims | not addressed |
Colonies, hives and equipment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured or indemnity per colony | yes, up to EUR 120 | „Je Bienenvolk incl. Königin, Wabenbau, Waben und Rähmchen 120 EUR 150 EUR 200 EUR“ | Ziffer 1.1, page 1 |
| Hives, frames, combs and equipment covered | yes, up to EUR 120 | „Je Beute, sofern diese mit Bienen besetzt ist, incl. sämtlicher Zargen, Boden, Deckel …“ | Ziffer 1.1, page 1 |
| Bee house, bee trailer, extraction room with contents | yes, up to the sum insured | „Bienenhäuser, Freistände, Wanderwagen, Inventar der Imkerei, Vorräte der Imkerei“ | Ergänzungsversicherung, page 2 |
| Stocks: honey, wax, feed | yes, up to EUR 175 | „Imkerliches Inventar, imkerliche Geräte, nicht besetzte Beuten, Vorrat an Honig, Wachs …“ | Ziffer 1.1, page 1 |
| Fire (fire, lightning, explosion) | yes, up to the sum insured | „Schäden durch Brand, Blitzschlag, Explosion, Anprall oder Absturz eines bemannten …“ | Ziffer 2.1.1, page 2 |
| Wildfire | not addressed | ||
| Storm and hail | yes, up to the sum insured | „Schäden durch Sturm (Sturm ist ein Überschreiten der Windstärke 8).“ | Ziffer 2.1.3, page 2 |
| Flood and other natural hazards | no | „Schäden durch Hochwasser, Überschwemmung und Rückstau sind nicht versichert.“ | Ziffer 2.4.4, page 4 |
| Theft of colonies and hives | yes, up to the sum insured | „Ferner durch Diebstahl und Frevel, soweit der Tatbestand eines solchen Schadens …“ | Ziffer 2.1.2, page 2 |
| Vandalism and malicious damage | yes, up to the sum insured | „Ein Frevelschaden liegt nur bei böswilliger Handlung dritter Personen vor.“ | Ziffer 2.1.2, page 2 |
| Poisoning by pesticides or malicious poisoning | no | „Spritz- und Stäubeschäden. Diese Schäden können per Beschluss einer …“ | Ziffer 2.4.3, page 3 |
| Damage by animals (wild boar, woodpecker, bear, hornet) | yes, up to the sum insured | „Eingeschlossen sind Schäden, die durch Tiere angerichtet werden, jedoch ausgenommen …“ | Ziffer 2.1.6, page 2 |
| Colony losses from disease or epidemic (foulbrood, varroa, restricted zone) | no | „Vom Versicherungsschutz ausgeschlossen sind Schäden, die durch Bienenkrankheiten (z. B …“ | Ziffer 2.4.2, page 3 |
| Winter losses and colony losses without identifiable cause | not addressed | ||
| Yield loss from drought or lack of forage (Spain: loss of pasture) | not addressed | ||
| Transit cover for migration and trips to market (colonies and products) | yes, up to the sum insured | „Versicherungsschutz besteht im Rahmen der Transportversicherung für alle Gefahren …“ | Ziffer 2.1.7, page 2 |
| Indemnity at replacement value (hives, equipment) instead of current value | no | „nach dem Wert, den die vom Schaden betroffenen Sachen zum Zeitpunkt des Schadenfalles …“ | Ziffer 2.3, page 3 |
| Queens and breeding material covered | yes, up to the sum insured | „einschließlich der Königin (auch als Reinzuchtkönigin), des Wabenbaus und der Rähmchen“ | Begriffsbestimmungen Bienenvolk, page 5 |
Accident and extras
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Accident cover for the beekeeper during bee work (disability, death) | not addressed | ||
| Anaphylactic shock from a bee sting as an accident of the beekeeper | not addressed | ||
| Legal expenses for beekeeping (neighbour disputes, sites) | not addressed | ||
| Clearing, disposal and salvage costs | yes, up to EUR 500 | „Zur Verfügung stehen dafür separat von einer evtl. Entschädigung für den Sachschaden …“ | Ziffer 2.2, page 3 |
| Costs of rebuilding or buying replacement colonies | not addressed | ||
| Loss of yield (honey harvest) after an insured event | no | „Indirekte und Folgeschäden, insbesondere entgangene Ernte, sind nicht versichert.“ | Ziffer 2.4.1, page 3 |
| Costs of disease control, sanitation or official measures | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion or reduction for gross negligence | not addressed | ||
| Exclusion of varroa and other diseases if treatment was omitted | not addressed | ||
| Exclusion of starvation, robbing and swarm loss | yes | „jedoch ausgenommen durch Bienen anderer Völker (Räuberei)“ | Ziffer 2.1.6, page 2 |
| Exclusion where third parties applied pesticides correctly | yes | „Spritz- und Stäubeschäden.“ | Ziffer 2.4.3, page 3 |
| Exclusion of unregistered sites or colonies above the declared number | yes | „jeder ersatzpflichtige Haftpflichtschaden nur im Verhältnis der versicherten …“ | Ziffer 3.1.4, page 4 |
| Exclusion of commercial activity (honey sales beyond small amounts, trade) | not addressed |
Obligations and claims
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Theft protection requirements (marking, locking, fencing, tracking) | not addressed | ||
| Marking of hives required (name, registration number) | not addressed | ||
| Duty to treat varroa and monitor colony health | not addressed | ||
| Report to the police for theft and vandalism | not addressed | ||
| Deadline for reporting claims (days, months) | not addressed | ||
| Sampling and lab analysis in case of suspected poisoning | not addressed | ||
| Claims reported via the association | not addressed |
Deductible and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible in the property cover (amount or per colony) | not addressed | ||
| Deductible in the liability cover | not addressed | ||
| Waiting period from inception | not addressed | ||
| Contract term and cancellation (group policy: ends with leaving the association) | not addressed | ||
| Premium basis: flat rate or by number of colonies (no amounts) | yes | „Versicherungssumme (VS) / Prämie je Jahr inkl. 19% Versicherungsteuer“ | Ergänzungsversicherung, page 2 |
| Adjustment of colony count during the year (reference date, late declaration) | not addressed | ||
| Waiver of underinsurance | not addressed |
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.
Policy wordings and provider
- Legal entity
- Gaede & Glauerdt Assecuradeur GmbH & Co. KG
- Distribution
- available through brokers
- Übersicht zur Imker-Global-Versicherung und freiwilligen Ergänzungsversicherung, gültig für Mitglieder im Imkerverband Rheinland e.V. Edition: 01.01.2026 Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for Gaede & Glauerdt Global Imkerverband Rheinland and available
as plain text.
Volltext Gaede & Glauerdt Global Imkerverband Rheinland Imkerversicherung · As text (Markdown) Gaede & Glauerdt Global Imkerverband Rheinland Beekeeper cover