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SV Sachsen Privathaftpflicht: the policy wording in full
Privat-Haftpflicht der SV Sachsen (AVB PHV, Ausgabe September 2026): entgeltliche Tätigkeit als Tagesmutter, Tagesvater oder Babysitter nur mit Baustein A1-6.27, im eigenen Haushalt, bei den Eltern und in angemieteter Wohnung, ohne Kitas.
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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 SV Sachsen Privathaftpflicht.
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 Entschädigungsleistung des Versicherers ist bei jedem Versicherungsfall auf die …“ | A1-5.1, page 4 |
| Separate, lower limit for childminding (sublimit below the personal liability sum) | none | „Versichert ist die gesetzliche Haftpflicht aus der entgeltlichen Tätigkeit als …“ | A1-6.27 a, page 16 |
| Contract form: add-on to personal liability, standalone childminder liability or professional/business liability | yes | „Falls im Versicherungsschein oder seinen Nachträgen besonders vereinbart, gilt: A1-6.27 …“ | A1-6.27 a, page 16 |
| Childminding included in the basic personal liability tariff without surcharge | no | „Besonders zu vereinbarende Zusatzrisiken unter A1-6.21 bis A1-6.30“ | A1-6.21 bis A1-6.30, page 12 |
| Paid (professional) childminding covered, not just favours | yes | „Versichert ist die gesetzliche Haftpflicht aus der entgeltlichen Tätigkeit als …“ | A1-6.27 a, page 16 |
| 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 | „Versichert ist dabei die gesetzliche Haftpflicht aus der Beaufsichtigung von zur …“ | A1-6.27 a, page 16 |
| Care in the parents' home covered | yes | „Versichert ist dabei die gesetzliche Haftpflicht aus der Beaufsichtigung von zur …“ | A1-6.27 a, page 16 |
| Care in rented premises outside the home covered | yes | „Versichert ist dabei die gesetzliche Haftpflicht aus der Beaufsichtigung von zur …“ | A1-6.27 a, page 16 |
| 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 Auslandsaufenthalt innerhalb Europas und in den außereuropäischen Gebieten …“ | A1-6.14.1 c, page 8 |
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) | no | „Vom Versicherungsschutz ausgeschlossen ist die persönliche gesetzliche Haftpflicht der …“ | A1-6.27 b, page 16 |
| Occasional babysitting and au pair work covered | yes | „Versichert ist die gesetzliche Haftpflicht aus der entgeltlichen Tätigkeit als …“ | A1-6.27 a, page 16 |
| 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 | „Versichert sind gesetzliche Haftpflichtansprüche der zu betreuenden Kinder.“ | A1-6.27 a, page 5 |
| Breach of the duty of supervision expressly covered | yes | „die gesetzliche Haftpflicht aus der Beaufsichtigung von zur Betreuung übernommenen …“ | A1-6.27 a, page 5 |
| 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 …“ | A1-6.15.1, page 8 |
| Infringement of personality rights (photos, data of day children) | yes, up to the sum insured | „ausschließlich aus Persönlichkeits- und Namensrechtsverletzungen, insoweit besteht auch …“ | A1-6.20.1, page 12 |
Keys and loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of parents' keys (cost of changing locks) | yes, up to EUR 50,000 | „Die Höchstersatzleistung für Schäden aus dem Abhandenkommen von privat überlassenen …“ | A1-6.18.4, page 11 |
| Loss of keys to rented premises or master key systems | yes, up to EUR 50,000 | „Die Höchstersatzleistung für Schäden aus dem Abhandenkommen von privat überlassenen …“ | A1-6.18.4, page 11 |
| Loss of day children's items (glasses, hearing aid, toys) | no | „sowie die Haftpflicht wegen Abhandenkommens von Sachen der betreuten Kinder.“ | A1-6.27 b, page 5 |
| 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 | „Versichert ist dabei die gesetzliche Haftpflicht aus der Beaufsichtigung von zur …“ | A1-6.27 a, page 16 |
| 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 | „ausschließlich an Grundstücken, Gebäuden, Wohnungen sowie Wohnräumen und sonstigen zu …“ | A1-6.6.1 a, page 6 |
| Environmental and water pollution damage from the household (heating oil) | yes, up to the sum insured | „Versichert ist die gesetzliche Haftpflicht privatrechtlichen Inhalts des …“ | A1-6.4, page 6 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of care in institutions (nursery, kindergarten) | yes | „Vom Versicherungsschutz ausgeschlossen ist die Ausübung dieser Tätigkeit in Betrieben …“ | A1-6.27 b, page 16 |
| 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 | „Ausgeschlossen sind Ansprüche wegen a) Personenschäden, die aus der Übertragung einer …“ | A1-7.11, page 19 |
| Benefit reduction for gross negligence | not addressed | ||
| Exclusion of claims by own children and relatives | yes | „Schadenfälle von Angehörigen des Versicherungsnehmers und von wirtschaftlich …“ | A1-7.4, page 19 |
| Exclusion of damage from use of motor vehicles | yes | „Kraftfahrzeuge, Kraftfahrzeug-Anhänger Ausgeschlossen sind Ansprüche gegen den“ | A1-7.14, page 8 |
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) | yes | „die Abwehr unberechtigter Schadensersatzansprüche“ | A1-4.1, page 4 |
| 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 gemäß …“ | A1-6.22.1.1 a, page 13 |
| 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 | yes | „so gelten die Inhalte der neuen Versicherungsbedingungen mit deren Inkrafttreten auch …“ | A1-12, page 21 |
| Minimum term and notice period | none | „Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich der Vertrag um …“ | B2-1.2, page 25 |
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
- Sparkassen-Versicherung Sachsen Allgemeine Versicherung Aktiengesellschaft
- Distribution
- through tied agents
- Allgemeine Versicherungsbedingungen für die Privat-Haftpflichtversicherung (AVB PHV), Ausgabe Mai 2025, Ziffer A1-6.25 Tagesmutter/-vater Edition: AVB PHV Ausgabe September 2026 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 SV Sachsen Privathaftpflicht and available as plain text.
Volltext SV Sachsen Privathaftpflicht Tagesmutter-Haftpflicht · As text (Markdown) SV Sachsen Privathaftpflicht Childminder liability