Insurance broker / Childminder liability insurance / Policy wording archive Childminder liability
Württembergische KomfortSchutz: the policy wording in full
Privathaftpflicht KomfortSchutz der Württembergischen (AVB PHV Komfort 2026): Tagesmutter auch gewerblich mit Haftpflicht der Tageskinder und deren Ansprüchen untereinander, nur allein ausgeübt, ohne Kitas und ohne Mitarbeiter.
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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 Württembergische KomfortSchutz.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for bodily injury, property damage and financial loss from childminding | as stated in the policy schedule | „Unsere Entschädigungsleistung ist bei jedem Versicherungsfall auf die vereinbarte …“ | A1-5.1, page 4 |
| Separate, lower limit for childminding (sublimit below the personal liability sum) | none | „Tagesmutter (Tageseltern), abweichend von A1-1 auch gewerblich“ | A1-6.1 (3), page 5 |
| Contract form: add-on to personal liability, standalone childminder liability or professional/business liability | yes | „Familie und Haushalt, Tagesmutter (Tageseltern), Babysitter und Au-Pair“ | A1-6.1 (3), page 5 |
| Childminding included in the basic personal liability tariff without surcharge | yes | „Tagesmutter (Tageseltern), abweichend von A1-1 auch gewerblich“ | A1-6.1 (3), page 5 |
| Paid (professional) childminding covered, not just favours | yes | „Tagesmutter (Tageseltern), abweichend von A1-1 auch gewerblich“ | A1-6.1 (3), page 5 |
| 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 aus der übernommenen Beaufsichtigung (Aufsichtspflicht) von zur Betreuung …“ | A1-6.1 (3), page 5 |
| Care in the parents' home covered | yes | „insbesondere aus der übernommenen Beaufsichtigung (Aufsichtspflicht) von zur Betreuung …“ | A1-6.1 (3), page 5 |
| Care in rented premises outside the home covered | not addressed | ||
| Large day care or groups of several childminders covered | no | „oder wenn Mitarbeiter (z. B. auch Praktikanten) beschäftigt werden und die Tätigkeit …“ | A1-6.1 (3), page 5 |
| Territorial scope (country, Europe, worldwide) for outings and trips with day children | yes | „wenn diese bei einem vorübergehenden weltweiten Auslandsaufenthalt von bis zu fünf …“ | A1-6.14, 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 | no | „oder wenn Mitarbeiter (z. B. auch Praktikanten) beschäftigt werden und die Tätigkeit …“ | A1-6.1 (3), page 5 |
| Day children themselves insured (damage they cause to third parties) | yes | „Mitversichert ist die persönliche gesetzliche Haftpflicht der Tageskinder während der …“ | A1-6.1 (3), page 5 |
| Occasional babysitting and au pair work covered | yes | „Babysitter oder Au-Pair“ | A1-6.1 (3), page 5 |
| 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 hierbei auch gesetzliche Haftpflichtansprüche von Tageskindern aus …“ | A1-6.1 (3), page 5 |
| Breach of the duty of supervision expressly covered | yes | „insbesondere aus der übernommenen Beaufsichtigung (Aufsichtspflicht) von zur Betreuung …“ | A1-6.1 (3), 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 | yes, up to the sum insured | „der Tageskinder untereinander, sofern es sich nicht um Geschwister handelt;“ | A1-6.1 (3), page 5 |
| Claims by day children against household members of the childminder | yes, up to the sum insured | „der Tageskinder gegenüber den durch diesen Vertrag versicherten Personen.“ | A1-6.1 (3), page 5 |
| 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) | yes, up to the sum insured | „Versichert ist Ihre gesetzliche Haftpflicht wegen Schäden ausschließlich aus …“ | A1-6.26.1, page 10 |
Keys and loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of parents' keys (cost of changing locks) | yes, up to EUR 500,000 | „Versichert ist Ihre gesetzliche Haftpflicht aus dem Verlust von Schlüsseln und Keycards …“ | A1-6.21.1, page 9 |
| Loss of keys to rented premises or master key systems | yes, up to EUR 500,000 | „Abweichend von A1-1 besteht auch Versicherungsschutz, wenn die Schlüssel oder Keycards …“ | A1-6.21.1, page 10 |
| Loss of day children's items (glasses, hearing aid, toys) | no | „sind Ansprüche wegen Verlust von Sachen der zu betreuenden Kinder;“ | A1-6.1 (3), page 5 |
| Borrowed, rented or entrusted items (child seat, pram) | not addressed | ||
| Deductible for loss of keys | none | „Die Versicherungssumme für den Verlust von Schlüsseln und Keycards beträgt je …“ | A1-6.21.3, page 10 |
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, z. B. bei Spielen, Ausflügen usw.“ | A1-6.1 (3), page 5 |
| 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 Ihre gesetzliche Haftpflicht wegen Schäden an ausschließlich zu privaten …“ | A1-6.6.1, page 6 |
| Environmental and water pollution damage from the household (heating oil) | yes, up to the sum insured | „Allgemeines Umweltrisiko“ | A1-6.4, page 6 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of care in institutions (nursery, kindergarten) | yes | „ist die Ausübung der Tätigkeit in bzw. für Betriebe und Institutionen, wie z. B …“ | A1-6.1 (3), page 5 |
| 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 Ihrerseits resultieren“ | A1-7.11, page 12 |
| Benefit reduction for gross negligence | not addressed | ||
| Exclusion of claims by own children and relatives | yes | „aus Schadenfällen Ihrer Angehörigen, die mit Ihnen in häuslicher Gemeinschaft leben …“ | A1-7.4 (1), page 11 |
| Exclusion of damage from use of motor vehicles | yes | „Ausgeschlossen sind Ansprüche gegen den Eigentümer, Besitzer, Halter oder Führer eines …“ | A1-7.13, page 12 |
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 Kind Versicherungsschutz aus einem anderen Haftpflichtversicherungsvertrag“ | A1-6.1 (3), page 5 |
| Defence against unjustified claims (passive legal protection) | yes | „die Abwehr unberechtigter Schadenersatzansprüche und“ | A1-4, 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 Sie oder eine nach A1-2.1.1 bis A1-2.1.6 …“ | A3-1.1, page 14 |
| 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 | „Bieten wir neue Bedingungen mit abweichenden Regelungen zum versicherten …“ | A1-6.27.1, page 11 |
| 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
- Württembergische Versicherung Aktiengesellschaft
- Distribution
- brokers and direct
- Allgemeine Bedingungen Privat-Haftpflichtversicherung KomfortSchutz (3047), Ziffer 6.1 Familie und Haushalt, Tagesmutter (Tageseltern), Babysitter und Au-Pair Edition: AVB PHV Komfort 2026, Formular 3047, Stand 01.06.2026 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 Württembergische KomfortSchutz and available as plain text.
Volltext Württembergische KomfortSchutz Tagesmutter-Haftpflicht · As text (Markdown) Württembergische KomfortSchutz Childminder liability