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Uelzener Privat- und mit Bienen: the policy wording in full
Privathaftpflicht nach BBR 1 und AHB 2008, die die private Haltung von Bienen als Tierhalterrisiko einschließt; Sach-, Transport- und Unfallschutz für Völker gibt es nicht.
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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 Uelzener Privat- und mit Bienen.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form: group policy of a beekeepers' association (membership required) or individual policy | no | „als Privatperson aus den Gefahren des täglichen Lebens und nicht aus den Gefahren eines …“ | BBR 1 Ziffer 1.1, page 1 |
| Modules of the policy (liability, property cover for colonies and hives, transit, accident, legal expenses) | yes | „als Halter oder Hüter von zahmen Haustieren, gezähmten Kleintieren und Bienen“ | BBR 1 Ziffer 1.18, page 1 |
| Covers hobby and commercial beekeeping (part time and full time) | no | „nicht jedoch von Hunden, Rindern, Pferden, sonstigen Reit- und Zugtieren, wilden Tieren …“ | BBR 1 Ziffer 1.18, page 1 |
| 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) | not addressed | ||
| 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 | not addressed | ||
| Damage from bee stings to third parties (including allergic reactions) | yes, up to the sum insured | „als Halter oder Hüter von zahmen Haustieren, gezähmten Kleintieren und Bienen“ | BBR 1 Ziffer 1.18, page 1 |
| Damage to other people's animals (livestock, horses) caused by bees | not addressed | ||
| 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 | not addressed | ||
| Environmental liability and environmental damage | not addressed | ||
| 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 | not addressed | ||
| Damage to rented premises and land (extraction room, bee house) | not addressed | ||
| Loss of third party keys | not addressed | ||
| Pure financial loss | not addressed | ||
| Co-insured persons (family, helpers, sponsors, substitutes) | yes | „die gleichartige gesetzliche Haftpflicht des Ehegatten und eingetragenen Lebenspartners …“ | BBR 1 Ziffer 1.21, page 1 |
| Defence against unfounded claims | yes, up to the sum insured | „Der Versicherungsschutz umfasst die Prüfung der Haftpflichtfrage, die Abwehr …“ | AHB Ziffer 5.1, page 2 |
Colonies, hives and equipment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured or indemnity per colony | not addressed | ||
| Hives, frames, combs and equipment covered | not addressed | ||
| Bee house, bee trailer, extraction room with contents | not addressed | ||
| Stocks: honey, wax, feed | not addressed | ||
| Fire (fire, lightning, explosion) | not addressed | ||
| Wildfire | not addressed | ||
| Storm and hail | not addressed | ||
| Flood and other natural hazards | not addressed | ||
| Theft of colonies and hives | not addressed | ||
| Vandalism and malicious damage | not addressed | ||
| Poisoning by pesticides or malicious poisoning | not addressed | ||
| Damage by animals (wild boar, woodpecker, bear, hornet) | not addressed | ||
| Colony losses from disease or epidemic (foulbrood, varroa, restricted zone) | not addressed | ||
| 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) | not addressed | ||
| Indemnity at replacement value (hives, equipment) instead of current value | not addressed | ||
| Queens and breeding material covered | not addressed |
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 | not addressed | ||
| Costs of rebuilding or buying replacement colonies | not addressed | ||
| Loss of yield (honey harvest) after an insured event | not addressed | ||
| 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 | not addressed | ||
| Exclusion where third parties applied pesticides correctly | not addressed | ||
| Exclusion of unregistered sites or colonies above the declared number | not addressed | ||
| Exclusion of commercial activity (honey sales beyond small amounts, trade) | yes | „sowie von Tieren, die zu gewerblichen oder landwirtschaftlichen Zwecken gehalten werden“ | BBR 1 Ziffer 1.18, page 1 |
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) | yes | „Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich der Vertrag um …“ | AHB Ziffer 16.2, page 4 |
| Premium basis: flat rate or by number of colonies (no amounts) | not addressed | ||
| 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
- Uelzener Allgemeine Versicherungs-Gesellschaft a.G.
- Distribution
- not known
- Besondere Bedingungen BBR 1 Privat- und Tierhalterhaftpflicht (Basis, Premium, Premium plus), Halter von Bienen genannt Edition: BBR 1 Ausgabe März 2014 (DOC-378 03/2025) Original from the insurer (PDF, German)
- Allgemeine Versicherungsbedingungen für die Haftpflichtversicherung (AHB 2008) Edition: AHB 2008 (DOC-377 03/2025) 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 Uelzener Privat- und mit Bienen and available as plain text.
Volltext Uelzener Privat- und mit Bienen Imkerversicherung · As text (Markdown) Uelzener Privat- und mit Bienen Beekeeper cover