Insurance broker / Childminder liability insurance / Policy wording archive Childminder liability
Domcura Standard: the policy wording in full
Standard-Schutz der Domcura Privathaftpflicht (Stand 01.11.2024): erlaubte entgeltliche oder unentgeltliche Tätigkeit als Tagesmutter, Tagesvater oder Babysitter mit höchstens 8 Kindern gleichzeitig; Betreuung in Betrieben und Einrichtungen 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 Domcura Standard.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for bodily injury, property damage and financial loss from childminding | yes, up to EUR 5 million | „Pauschal für Personen-, Sach-, Vermögens- und Mietsachschäden“ | Leistungsübersicht, Versicherungssummen, page 2 |
| Separate, lower limit for childminding (sublimit below the personal liability sum) | none | „Ent- und unentgeltliche Tätigkeit als Tagesmutter“ | Leistungsübersicht, page 3 |
| Contract form: add-on to personal liability, standalone childminder liability or professional/business liability | yes | „Versichert ist Ihre gesetzliche Haftpflicht aus der erlaubten entgeltlichen oder …“ | B1 4.15, page 42 |
| Childminding included in the basic personal liability tariff without surcharge | yes | „Ent- und unentgeltliche Tätigkeit als Tagesmutter“ | Leistungsübersicht, page 3 |
| Paid (professional) childminding covered, not just favours | yes | „aus der erlaubten entgeltlichen oder unentgeltlichen Tätigkeit als …“ | B1 4.15, page 42 |
| Publicly funded childminding (youth welfare office) expressly included | not addressed | ||
| Maximum number of day children cared for at the same time | yes | „Kein Versicherungsschutz besteht, wenn Sie die Beaufsichtigung von mehr als 8 Kindern …“ | B1 4.15, page 42 |
| 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 | not addressed |
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) | not addressed | ||
| Occasional babysitting and au pair work covered | yes | „Kinder-Tagespflegeperson (Tagesmutter/Tagesvater) Babysitter“ | B1 4.15, page 42 |
| 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 | „Hierzu gehört insbesondere die Beaufsichtigung, Betreuung, Erziehung von Kindern“ | B1 4.15, page 42 |
| Breach of the duty of supervision expressly covered | yes | „Hierzu gehört insbesondere die Beaufsichtigung, Betreuung, Erziehung von Kindern“ | B1 4.15, page 42 |
| 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 EUR 10,000 | „Versichert ist Ihre gesetzliche Haftpflicht aus dem Abhandenkommen von fremden Schlüsseln“ | B1 4.16.1, page 42 |
| 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) | yes | „Nicht versichert sind Schäden aus obiger Tätigkeit in Betrieben und Institutionen“ | B1 4.15, page 42 |
| No cover when the maximum number of day children is exceeded | yes | „Kein Versicherungsschutz besteht, wenn Sie die Beaufsichtigung von mehr als 8 Kindern …“ | B1 4.15, page 42 |
| No cover without care permit or official authorisation | yes | „aus der erlaubten entgeltlichen oder unentgeltlichen Tätigkeit“ | B1 4.15, page 42 |
| 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) | not addressed | ||
| Defence against unjustified claims (passive legal protection) | not addressed | ||
| 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 | yes | „Der Versicherer garantiert dem Versicherungsnehmer, dass die dem Versicherungsvertag …“ | A 4.2 GDV-Basis-Garantie, page 23 |
| Update clause: future improvements apply automatically | yes | „Werden im Laufe der Versicherungsdauer für neue Versicherungsverträge die Allgemeinen …“ | A 4.1.1, page 22 |
| Minimum term and notice period | not addressed |
Evaluated by NAMMERT from published policy wordings.
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legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- Domcura AG (Assekuradeur)
- Distribution
- available through brokers
- Vertragsgrundlagen Privathaftpflichtversicherung (Leistungstabelle: Tagesmutter, Tageseltern, Tagesvater, Babysitter, 8 Kinder) Edition: Stand 01.11.2024 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 Domcura Standard and available as plain text.
Volltext Domcura Standard Tagesmutter-Haftpflicht · As text (Markdown) Domcura Standard Childminder liability