Insurance broker / Childminder liability insurance / Policy wording archive Childminder liability
Uelzener Privathaftpflicht: the policy wording in full
Privat-Haftpflicht der Uelzener (BHAFPr 2024): Tätigkeit als Tagesmutter auch beruflich mit Aufsichtspflicht, Haftpflicht der Tageskinder nachrangig mitversichert und Personenschäden der Tageskinder auch gegenüber eigenen Kindern, ohne Betriebe und Institutionen.
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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 Uelzener 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 Deckungssummen gelten gemäß dem Versicherungsschein und seinen Nachträgen.“ | A1-5.1, page 7 |
| Separate, lower limit for childminding (sublimit below the personal liability sum) | none | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers aus der Tätigkeit …“ | A1-6.20, page 18 |
| Contract form: add-on to personal liability, standalone childminder liability or professional/business liability | yes | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers aus der Tätigkeit …“ | A1-6.20, page 18 |
| Childminding included in the basic personal liability tariff without surcharge | yes | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers aus der Tätigkeit …“ | A1-6.20, page 18 |
| Paid (professional) childminding covered, not just favours | yes | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers aus der Tätigkeit …“ | A1-6.20, page 18 |
| 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 | „bei einem vorübergehenden Auslandsaufenthalt bis zu fünf Jahren eingetreten sind.“ | A1-6.14, page 13 |
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 gesetzliche Haftpflicht der Tageskinder während der Obhut bei den …“ | A1-6.20, page 18 |
| 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 | „Versichert sind auch Haftpflichtansprüche der Tageskinder gegenüber den Tageseltern und …“ | A1-6.20, page 18 |
| Breach of the duty of supervision expressly covered | yes | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers aus der Tätigkeit …“ | A1-6.20, page 18 |
| 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 | yes, up to the sum insured | „Versichert sind auch Haftpflichtansprüche der Tageskinder gegenüber den Tageseltern und …“ | A1-6.20, page 18 |
| 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 13 |
| Infringement of personality rights (photos, data of day children) | yes, up to the sum insured | „ausschließlich aus Persönlichkeits- und Namensrechtsverletzungen, insoweit besteht auch …“ | A1-6.23.1, page 19 |
Keys and loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of parents' keys (cost of changing locks) | yes, up to EUR 100,000 | „Versicherungsschutz besteht im Rahmen der Deckungssumme bis 100.000 Euro je …“ | A1-6.22, page 11 |
| Loss of keys to rented premises or master key systems | yes, up to EUR 100,000 | „Schlüsseln, die dem Versicherungsnehmer im Rahmen einer beruflichen/dienstlichen/ …“ | A1-6.22, page 18 |
| 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) | yes, up to the sum insured | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers aus der …“ | A1-6.6.1, page 10 |
| 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 10 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of care in institutions (nursery, kindergarten) | yes | „Vom Versicherungsschutz ausgeschlossen sind Haftpflichtansprüche wegen Schäden aus der …“ | A1-6.20, page 18 |
| 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 …“ | A1-7.10, page 24 |
| 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 oder …“ | A1-7.4 a, page 23 |
| Exclusion of damage from use of motor vehicles | yes | „Ausgeschlossen sind Ansprüche gegen den Eigentümer, Besitzer, Halter oder Führer eines …“ | A1-7.13, page 24 |
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 Tageskind Versicherungsschutz aus einem anderen fremden …“ | A1-6.20, page 18 |
| Defence against unjustified claims (passive legal protection) | yes | „die Abwehr unberechtigter Schadensersatzansprüche und“ | A1-4.1, page 6 |
| 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 …“ | A3-1.1, page 28 |
| 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 | „Wir garantieren Ihnen, dass die dem Vertrag zugrunde liegenden Bedingungen mindestens …“ | Präambel, page 2 |
| Update clause: future improvements apply automatically | yes | „Werden die Ihrem Vertrag zugrunde liegenden Bedingungen ausschließlich zu Ihrem Vorteil …“ | Präambel, page 2 |
| Minimum term and notice period | yes | „Ist die Laufzeit von 1 oder 3 Jahren vereinbart, besteht der Vertrag weiter fort, wenn …“ | B2-1.1, page 35 |
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
- Uelzener Allgemeine Versicherungs-Gesellschaft a.G.
- Distribution
- not known
- Bedingungen Privathaftpflichtversicherung, Ziffer A1-6.20 Tagesmutter/Tageseltern Edition: BHAFPr 2024, gültig ab 12.06.2025 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 Uelzener Privathaftpflicht and available as plain text.
Volltext Uelzener Privathaftpflicht Tagesmutter-Haftpflicht · As text (Markdown) Uelzener Privathaftpflicht Childminder liability