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DFV HaftpflichtSchutz: the policy wording in full
DFV-HaftpflichtSchutz (Fassung 01.07.2025): Tätigkeit als Tagesmutter oder Tagesvater nur als freiberufliche Nebentätigkeit bis 20.000 Euro Jahresumsatz und ohne Arbeitnehmer mitversichert, ohne eigene Regeln zur Betreuung der Tageskinder.
German market: tariffs for people living in Germany.
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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 DFV HaftpflichtSchutz.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for bodily injury, property damage and financial loss from childminding | as stated in the policy schedule | „Die Versicherungssumme für Personen-, Sach- und Vermögensschäden ist der vereinbarte …“ | B 8, page 10 |
| Separate, lower limit for childminding (sublimit below the personal liability sum) | none | „Versichert ist die gesetzliche Haftpflicht der versicherten Person aus den Gefahren …“ | B 2.2, page 6 |
| Contract form: add-on to personal liability, standalone childminder liability or professional/business liability | yes | „Versichert ist die gesetzliche Haftpflicht der versicherten Person aus den Gefahren …“ | B 2.2, page 6 |
| Childminding included in the basic personal liability tariff without surcharge | yes | „Tagesmutter/-vater“ | B 2.2, page 6 |
| Paid (professional) childminding covered, not just favours | yes | „wenn der ausgewiesene Gesamtumsatz aus den Tätigkeiten 20.000 Euro in den letzten zwölf …“ | B 2.2, page 6 |
| 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 | „Der Versicherungsschutz gilt auch bei einem vorübergehenden Auslandsaufenthalt“ | B 6, page 7 |
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 | no | „Schadeneintritt nicht überschritten hat und kein Arbeitnehmer beschäftigt wird“ | B 2.2, page 6 |
| Day children themselves insured (damage they cause to third parties) | not addressed | ||
| Occasional babysitting and au pair work covered | not addressed | ||
| 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 | not addressed | ||
| Breach of the duty of supervision expressly covered | not addressed | ||
| Damage day children cause to third parties (even without breach of supervision) | not addressed | ||
| 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 | not addressed | ||
| Claims by day children against household members of the childminder | not addressed | ||
| 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) | not addressed | ||
| Infringement of personality rights (photos, data of day children) | not addressed |
Keys and loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of parents' keys (cost of changing locks) | yes, up to the sum insured | „Versichert sind gesetzliche Haftpflichtansprüche Dritter gegen versicherte Personen für …“ | B 7.5, page 9 |
| Loss of keys to rented premises or master key systems | not addressed | ||
| Loss of day children's items (glasses, hearing aid, toys) | not addressed | ||
| Borrowed, rented or entrusted items (child seat, pram) | not addressed | ||
| 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) | not addressed | ||
| 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) | not addressed | ||
| 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 | not addressed | ||
| 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 | „Soweit im Versicherungsfall eine Entschädigung aus anderen Versicherungsverträgen …“ | B 10, page 10 |
| Defence against unjustified claims (passive legal protection) | yes | „die Abwehr unberechtigter Schadenersatzansprüche“ | B 11, page 10 |
| Bad debt cover for damage caused to the childminder by third parties | not addressed | ||
| 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 | not addressed | ||
| Update clause: future improvements apply automatically | not addressed | ||
| 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
- DFV Deutsche Familienversicherung AG
- Distribution
- direct from the insurer only
- Versicherungsbedingungen für die private Haftpflichtversicherung DFV-HaftpflichtSchutz Edition: 01.07.2025 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 DFV HaftpflichtSchutz and available as plain text.
Volltext DFV HaftpflichtSchutz Tagesmutter-Haftpflicht · As text (Markdown) DFV HaftpflichtSchutz Childminder liability