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BarmeniaGothaer Barmenia Premium-Schutz: the policy wording in full
Privathaftpflicht Premium-Schutz der Barmenia: berufliche Tätigkeit als Tagesmutter, Tagesvater oder Babysitter bis zur vollen Versicherungssumme mitversichert, mit Aufsichtspflicht, Haftpflicht der Tageskinder und deren Personenschäden untereinander; Betreuung für Kitas ausgeschlossen.
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Everything about this policy
What the policy covers: 60 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for BarmeniaGothaer Barmenia
Premium-Schutz.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for bodily injury, property damage and financial loss from childminding | as stated in the policy schedule | „Vereinbart ist eine pauschale Versicherungssumme für Personen-, Sach- und Vermögensschäden“ | A. Versicherungssummen, page 1 |
| Separate, lower limit for childminding (sublimit below the personal liability sum) | none | „Berufliche Tätigkeit als Tagesmutter/Tagesvater bis zur Versicherungssumme“ | Übersicht C, A1-6.4, page 2 |
| Contract form: add-on to personal liability, standalone childminder liability or professional/business liability | yes | „Versichert ist Ihre gesetzliche Haftpflicht aus der Tätigkeit als …“ | A1-6.4, page 9 |
| Childminding included in the basic personal liability tariff without surcharge | yes | „Berufliche Tätigkeit als Tagesmutter/Tagesvater bis zur Versicherungssumme“ | Übersicht C, A1-6.4, page 2 |
| Paid (professional) childminding covered, not just favours | yes | „Versicherungsschutz besteht abweichend von A1-1 auch, wenn diese Tätigkeit beruflich …“ | A1-6.4, page 9 |
| Publicly funded childminding (youth welfare office) expressly included | not addressed | ||
| Maximum number of day children cared for at the same time | not addressed | ||
| Care in the childminder's own home covered | not addressed | ||
| Care in the parents' home covered | not addressed | ||
| Care in rented premises outside the home covered | not addressed | ||
| Large day care or groups of several childminders covered | not addressed | ||
| Territorial scope (country, Europe, worldwide) for outings and trips with day children | yes | „Schäden im Ausland, die bei einem vorübergehenden oder zeitlich unbegrenzten …“ | Übersicht C, A1-6.24, page 4 |
Insured persons and activities
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Substitute carer during illness or holiday covered | not addressed | ||
| Household members of the childminder covered when helping | not addressed | ||
| Employed assistants (mini job, intern) covered | not addressed | ||
| Day children themselves insured (damage they cause to third parties) | yes | „Mitversichert ist die gleichartige gesetzliche Haft- pflicht der fremden Kinder während …“ | A1-6.4, page 9 |
| Occasional babysitting and au pair work covered | yes | „aus der Tätigkeit als Tagesmutter/Tagesvater oder Babysit- ter“ | A1-6.4, page 9 |
| Preparing and serving meals (food damage, intolerances) covered | not addressed | ||
| Giving medication as agreed with the parents covered | not addressed |
Damage to and by day children
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Bodily injury to day children during care | yes, up to the sum insured | „insbesondere der sich daraus ergebenden Auf- sichtspflicht über fremde Kinder“ | A1-6.4, page 9 |
| Breach of the duty of supervision expressly covered | yes | „insbesondere der sich daraus ergebenden Auf- sichtspflicht über fremde Kinder“ | A1-6.4, page 9 |
| Damage day children cause to third parties (even without breach of supervision) | yes, up to the sum insured | „Mitversichert ist die gleichartige gesetzliche Haft- pflicht der fremden Kinder während …“ | A1-6.4, page 9 |
| Damage by children below the age of liability settled without legal liability | not addressed | ||
| Damage by day children to the childminder's own property | not addressed | ||
| Claims between day children | yes, up to the sum insured | „der Tageskinder untereinander, sofern es sich nicht um Geschwister handelt“ | A1-6.4 a, page 9 |
| Claims by day children against household members of the childminder | yes, up to the sum insured | „der Tageskinder gegenüber den durch diesen Vertrag versicherten Personen wegen Perso …“ | A1-6.4 b, page 10 |
| Damage to belongings of day children and parents (clothes, glasses, pram) | not addressed | ||
| Damage in the parents' home when caring there (fixtures, furniture) | not addressed | ||
| Pure financial loss (e.g. parents' loss of earnings) | yes, up to the sum insured | „Vermögensschäden bis zur Versicherungssumme“ | Übersicht C, A1-6.25, page 4 |
| Infringement of personality rights (photos, data of day children) | yes, up to the sum insured | „Ansprüche aus Persönlichkeitsrechts- und Namensrechtsverletzungen“ | Übersicht C, A1-6.28, page 4 |
Keys and loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of parents' keys (cost of changing locks) | yes, up to the sum insured | „Abhandenkommen von fremden privaten Schlüsseln/Codekarten/reinen Schlüssel-Transpondern“ | Übersicht C, A1-6.14, page 3 |
| Loss of keys to rented premises or master key systems | not addressed | ||
| Loss of day children's items (glasses, hearing aid, toys) | no | „Haftpflicht- ansprüche aus dem Abhandenkommen von Sachen und dem Verlust von Geld der …“ | A1-6.4, page 9 |
| Borrowed, rented or entrusted items (child seat, pram) | yes, up to the sum insured | „Schäden an fremden beweglichen Sachen, die zu privaten Zwecken gemietet, geleast …“ | Übersicht C, A1-6.13, page 3 |
| Deductible for loss of keys | not addressed |
Home, garden, outings
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Play equipment, trampoline, paddling pool in the childminder's garden | not addressed | ||
| Childminder's pets (dog, cat) around day children | not addressed | ||
| Outings, walks and playground visits | not addressed | ||
| Transporting day children in the own car (boundary to motor liability) | not addressed | ||
| Cargo bike, pram and handcart on outings | not addressed | ||
| Swimming and bathing with day children | not addressed | ||
| Damage to rented care premises (fire, water) | yes, up to the sum insured | „Schäden an gemieteten/gepachteten Grundstücken, Gebäuden, Wohnräumen und sonstigen zu …“ | Übersicht C, A1-6.12.1, page 3 |
| Environmental and water pollution damage from the household (heating oil) | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of care in institutions (nursery, kindergarten) | yes | „ist die Ausübung der Tätigkeit für Betriebe und Institutionen, wie z. B. Kindergärten …“ | A1-6.4, page 9 |
| No cover when the maximum number of day children is exceeded | not addressed | ||
| No cover without care permit or official authorisation | not addressed | ||
| Exclusion of damage from abuse and maltreatment | not addressed | ||
| Exclusion of transmission of diseases (infections) | not addressed | ||
| Benefit reduction for gross negligence | none | „Keine Leistungseinschränkung bei grob fahrlässiger Verletzung einer Obliegenheit bis zu …“ | D, B-4.1, page 4 |
| Exclusion of claims by own children and relatives | not addressed | ||
| Exclusion of damage from use of motor vehicles | not addressed |
Deductible, duties, contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim in childminding | not addressed | ||
| Subsidiarity: other policies take precedence (parents' liability, municipal framework contract) | yes | „Erlangt das Kind Versicherungs- schutz aus einem anderen Haftpflichtversiche …“ | A1-6.4 b, page 10 |
| Defence against unjustified claims (passive legal protection) | yes | „wehrt unberechtigte Schadenersatzansprüche des Geschädigten ab“ | Übersicht C, A1-4, page 2 |
| Bad debt cover for damage caused to the childminder by third parties | yes, up to the sum insured | „Forderungsausfallschutz (ohne Mindestschadenhöhe) bis zur Versicherungssumme“ | A. Versicherungssummen, A3-1, page 1 |
| Duty to notify changes in number of children or premises | not addressed | ||
| Safety requirements as a duty (stair gates, socket covers, first aid course) | not addressed | ||
| Better-terms guarantee against market model terms or previous policy | yes | „Die Barmenia garantiert Ihnen, dass die Leistungen dieser Privathaftpflichtversicherung …“ | Vorbemerkung, page 1 |
| Update clause: future improvements apply automatically | yes | „Innovationsklausel: Künftige beitragsfreie Bedingungsverbesserungen werden automatisch …“ | E, B-16, page 4 |
| Minimum term and notice period | 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.
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Policy wordings and provider
- Legal entity
- Barmenia Gothaer (Marke nach Fusion), Barmenia Allgemeine Versicherungs-Aktiengesellschaft
- Distribution
- brokers and direct
- AVB PHV Premium-Schutz mit Übersicht (berufliche Tätigkeit als Tagesmutter/Tagesvater bis zur Versicherungssumme) Edition: A 3789-02 01/2023 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 BarmeniaGothaer Barmenia Premium-Schutz and available as
plain text.
Volltext BarmeniaGothaer Barmenia Premium-Schutz Tagesmutter-Haftpflicht · As text (Markdown) BarmeniaGothaer Barmenia Premium-Schutz Childminder liability