Insurance broker / Childminder liability insurance / Policy wording archive Childminder liability
Verti Klassik: the policy wording in full
Privathaftpflicht Verti Klassik (Stand 02/2026): entgeltliche oder unentgeltliche Tätigkeit als Tagesmutter im eigenen Haushalt und bei den Eltern, Haftpflicht der Tageskinder nachrangig mitversichert, ohne Betriebe und Institutionen, ohne Schlüsselverlust.
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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 Verti Klassik.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for bodily injury, property damage and financial loss from childminding | as stated in the policy schedule | „auf die im Versicherungsschein oder seinen Nachträgen vereinbarten Versicherungssummen …“ | A1-5.1, page 7 |
| Separate, lower limit for childminding (sublimit below the personal liability sum) | none | „Abweichend von A1-1 ist gesetzliche Haftpflicht des Versicherungsnehmers aus der …“ | A1-6.19.1, page 18 |
| Contract form: add-on to personal liability, standalone childminder liability or professional/business liability | yes | „Abweichend von A1-1 ist gesetzliche Haftpflicht des Versicherungsnehmers aus der …“ | A1-6.19.1, page 18 |
| Childminding included in the basic personal liability tariff without surcharge | yes | „Abweichend von A1-1 ist gesetzliche Haftpflicht des Versicherungsnehmers aus der …“ | A1-6.19.1, page 18 |
| Paid (professional) childminding covered, not just favours | yes | „Abweichend von A1-1 ist gesetzliche Haftpflicht des Versicherungsnehmers aus der …“ | A1-6.19.1, 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 | yes | „Insbesondere ist die Beaufsichtigungspflicht der zur Betreuung übernommenen …“ | A1-6.19.1, page 18 |
| Care in the parents' home covered | yes | „Insbesondere ist die Beaufsichtigungspflicht der zur Betreuung übernommenen …“ | A1-6.19.1, page 18 |
| 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 | „diese bei einem vorübergehenden Auslandsaufenthalt eingetreten sind.“ | A1-6.22.2 b, page 19 |
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 | „Mitversichert ist die gesetzliche Haftpflicht der Tageskinder während der Obhut bei den …“ | A1-6.19.3, 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 …“ | A1-6.19.4, page 17 |
| Breach of the duty of supervision expressly covered | yes | „Insbesondere ist die Beaufsichtigungspflicht der zur Betreuung übernommenen …“ | A1-6.19.1, 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 …“ | A1-6.19.4, page 17 |
| 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 …“ | A1-6.23.1, page 19 |
| Infringement of personality rights (photos, data of day children) | yes, up to the sum insured | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers ausschließlich …“ | A1-6.34.1, page 11 |
Keys and loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of parents' keys (cost of changing locks) | not addressed | ||
| 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 | yes, up to the sum insured | „Dies gilt auch außerhalb der Wohnung (z.B. bei Spielen, Ausflügen, usw.).“ | A1-6.19.1, page 17 |
| 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 | „Beschädigung von zu privaten Zwecken gemieteten, geliehenen, gepachteten oder geleasten …“ | A1-6.6.1, page 12 |
| Environmental and water pollution damage from the household (heating oil) | yes, up to the sum insured | „Versichert ist die gesetzliche Haftpflicht privatrechtlichen Inhalts des …“ | A1-6.4.1, page 11 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of care in institutions (nursery, kindergarten) | yes | „Nicht vom Versicherungsschutz umfasst ist die Ausübung dieser Tätigkeit in Betrieben …“ | A1-6.19.2, 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 …“ | A1-7.9, page 32 |
| 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 …“ | A1-7.4.1 a, page 30 |
| Exclusion of damage from use of motor vehicles | yes | „Ausgeschlossen sind Ansprüche gegen den Eigentümer, Besitzer, Halter oder Führer eines …“ | A1-7.12.1, page 32 |
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 | „sofern für das Tageskind kein anderweitiger Haftpflichtversicherungsschutz besteht …“ | A1-6.19.3, page 18 |
| Defence against unjustified claims (passive legal protection) | yes | „die Abwehr unberechtigter Schadensersatzansprüche und“ | A1-4.1 b, page 7 |
| Bad debt cover for damage caused to the childminder by third parties | yes, up to the sum insured | „In Form einer Eigenschadendeckung besteht Versicherungsschutz für den Fall, dass der …“ | A3-1.1, page 37 |
| 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 | „wird die Verti Versicherung AG diesen Versicherungsfall nach den …“ | A1-6.27.1, page 25 |
| Update clause: future improvements apply automatically | yes | „Wenn wir unsere Bedingungen verbessern und dies auch für Sie von Vorteil ist, gelten …“ | Garantien, 2. Innovationsgarantie, page 1 |
| Minimum term and notice period | none | „Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich der Vertrag um …“ | B2-1.2, page 44 |
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
- Verti Versicherung AG
- Distribution
- direct from the insurer only
- AVB PHV Klassik, Ziffer A1-6.19 Tagesmutter/Tageseltern Edition: AVB PHV Tarif Klassik, Stand 02/2026, mit Leistungserweiterungen Premium 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 Verti Klassik and available as plain text.
Volltext Verti Klassik Tagesmutter-Haftpflicht · As text (Markdown) Verti Klassik Childminder liability