Insurance broker / Childminder liability insurance / Policy wording archive Childminder liability
Interlloyd PrivatVorsorge Infinitus: the policy wording in full
Interlloyd Privathaftpflicht Infinitus (Stand 07.2025): berufliche Tageseltern ohne Höchstzahl der Kinder, Haftpflicht der Tageskinder nachrangig mitversichert, Ansprüche der Kinder eingeschlossen, ohne Kitas, mit Besitzstands- und Bestleistungsgarantie.
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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 Interlloyd PrivatVorsorge
Infinitus.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for bodily injury, property damage and financial loss from childminding | yes, up to EUR 50 million | „Personen, Sach- und Vermögensschäden pauschal 20 Mio. € 40 Mio. € 50 Mio. €“ | Leistungsübersicht, Versicherungssummen, page 14 |
| Separate, lower limit for childminding (sublimit below the personal liability sum) | none | „Ansprüche aus der Tätigkeit als berufliche Tageseltern“ | B1-6.2.5, page 42 |
| Contract form: add-on to personal liability, standalone childminder liability or professional/business liability | yes | „Ansprüche aus der Tätigkeit als berufliche Tageseltern“ | B1-6.2.5, page 42 |
| Childminding included in the basic personal liability tariff without surcharge | yes | „Ansprüche aus der Tätigkeit als berufliche Tageseltern“ | B1-6.2.5, page 42 |
| Paid (professional) childminding covered, not just favours | yes | „Versicherungsschutz besteht auch dann, wenn es sich bei dieser Tätigkeit um eine …“ | B1-6.2.5, page 42 |
| 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 | yes | „Beaufsichtigung von tagsüber zur Betreuung übernommenen minderjährigen Kindern im …“ | B1-6.2.5, page 42 |
| Care in the parents' home covered | yes | „Beaufsichtigung von tagsüber zur Betreuung übernommenen minderjährigen Kindern im …“ | B1-6.2.5, page 42 |
| 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 | „bei einem vorübergehenden Aufenthalt in Europa, ohne zeitliche Begrenzung und in allen …“ | B1-6.14.1, page 49 |
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 | „Versichert ist die gleichartige gesetzliche Haftpflicht der Tageskinder während der …“ | B1-6.2.5, page 42 |
| 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 | yes, up to the sum insured | „Mitversichert sind gesetzliche Haftpflichtansprüche der Kinder bzw. ihrer …“ | B1-6.2.5, page 42 |
| Breach of the duty of supervision expressly covered | yes | „Beaufsichtigung von tagsüber zur Betreuung übernommenen minderjährigen Kindern im …“ | B1-6.2.5, 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) | yes, up to the sum insured | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers wegen …“ | B1-6.15.1, page 45 |
| Infringement of personality rights (photos, data of day children) | yes, up to the sum insured | „Damit sind Ansprüche wegen Schäden aus Persönlichkeits- oder Namensrechtsverletzungen …“ | B1-7.9, page 53 |
Keys and loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of parents' keys (cost of changing locks) | yes, up to the sum insured | „private Haus- und Wohnungstürschlüssel inklusive Garagen-, Keller- und …“ | B1-6.18, page 51 |
| Loss of keys to rented premises or master key systems | yes, up to the sum insured | „fremde Haus- und Wohnungsschlüssel, die für die Ausübung der beruflichen Tätigkeit als …“ | B1-6.18, page 51 |
| 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 | yes, up to the sum insured | „auch außerhalb der Wohnung, zum Beispiel bei Spielen, Ausflügen.“ | B1-6.2.5, page 42 |
| 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 | „wegen Mietsachschäden ausschließlich an Wohnräumen und sonstigen zu privaten Zwecken …“ | B1-6.6.1, page 45 |
| Environmental and water pollution damage from the household (heating oil) | yes, up to the sum insured | „Versichert ist die gesetzliche Haftpflicht privatrechtlichen Inhalts des …“ | B1-6.4, page 45 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of care in institutions (nursery, kindergarten) | yes | „Kein Versicherungsschutz besteht jedoch für die Ausübung dieser Tätigkeit in Betrieben …“ | B1-6.2.5, page 42 |
| 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) | yes | „Personenschäden, die aus der Übertragung einer Krankheit durch Sie resultieren“ | B1-7.11, page 53 |
| Benefit reduction for gross negligence | not addressed | ||
| Exclusion of claims by own children and relatives | yes | „aus Schadenfällen seiner Angehörigen, die mit ihm in häuslicher Gemeinschaft leben“ | B1-7.4 (1), page 53 |
| Exclusion of damage from use of motor vehicles | yes | „Ausgeschlossen sind Ansprüche gegen den Eigentümer, Besitzer, Halter oder Führer eines …“ | B1-7.14, page 54 |
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 | „Tageskind Versicherungsschutz aus einem anderen fremden …“ | B1-6.2.5, page 42 |
| Defence against unjustified claims (passive legal protection) | yes | „die Abwehr unberechtigter Schadenersatzansprüche und“ | B1-4.1, page 40 |
| Bad debt cover for damage caused to the childminder by third parties | yes, up to the sum insured | „Versicherungsschutz besteht für den Fall, dass der Versicherungsnehmer oder eine …“ | B3-1.1, page 39 |
| 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, dass die diesem Vertrag zugrundeliegenden Allgemeinen …“ | Leistungsgarantie gegenüber den GDV-Musterbedingungen, page 56 |
| Update clause: future improvements apply automatically | yes | „so gelten die neuen Bedingungen mit sofortiger Wirkung auch für diesen Vertrag.“ | Leistungsupdate-Garantie, page 56 |
| Minimum term and notice period | none | „Die Versicherung gilt für den zunächst vereinbarten Zeitraum. Sie verlängert sich …“ | Verbraucherinformation, page 5 |
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
- Interlloyd Versicherungs-Aktiengesellschaft
- Distribution
- available through brokers
- Haftpflicht-Versicherungsbedingungen (Teil A, Teil B Infinitus, Eurosecure Plus, Classic) Edition: AVB PHV Infinitus, Eurosecure Plus und Classic, Stand 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 Interlloyd PrivatVorsorge Infinitus and available as plain
text.
Volltext Interlloyd PrivatVorsorge Infinitus Tagesmutter-Haftpflicht · As text (Markdown) Interlloyd PrivatVorsorge Infinitus Childminder liability