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Zurich Privatschutz: the policy wording in full
Zurich PrivatSchutz Privathaftpflicht (BBR-PHV 2017, Fassung 04.2025): Tagesmutter im eigenen Haushalt entgeltlich oder unentgeltlich für die im Schein genannte Kinderzahl, außerhalb nur als geringfügige Beschäftigung, Tageskinder subsidiär mitversichert.
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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 Zurich Privatschutz.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for bodily injury, property damage and financial loss from childminding | as stated in the policy schedule | „Es gelten die im Versicherungsschein oder dessen Nachträgen sowie in diesen Besonderen …“ | 2, page 2 |
| Separate, lower limit for childminding (sublimit below the personal liability sum) | none | „Versichert ist Ihre gesetzliche Haftpflicht aus Ihrer Tätigkeit als Tagesmutter …“ | 17.1, page 7 |
| Contract form: add-on to personal liability, standalone childminder liability or professional/business liability | yes | „In welchem Umfang ist eine Tagesmuttertätigkeit versichert?“ | 17, page 6 |
| Childminding included in the basic personal liability tariff without surcharge | yes | „In welchem Umfang ist eine Tagesmuttertätigkeit versichert?“ | 17, page 6 |
| Paid (professional) childminding covered, not just favours | yes | „Versicherungsschutz besteht, wenn es sich bei Ihrer Tätigkeit um eine unentgeltliche …“ | 17.1, page 7 |
| Publicly funded childminding (youth welfare office) expressly included | not addressed | ||
| Maximum number of day children cared for at the same time | yes | „Versichert ist Ihre gesetzliche Haftpflicht aus Ihrer Tätigkeit als Tagesmutter …“ | 17.1, page 7 |
| Care in the childminder's own home covered | yes | „Beaufsichtigung von tagsüber zur Betreuung übernommenen Kindern im Rahmen des eigenen …“ | 17.1, page 7 |
| Care in the parents' home covered | yes | „Beaufsichtigung von tagsüber zur Betreuung übernommenen Kindern außerhalb des eigenen …“ | 17.2, page 7 |
| Care in rented premises outside the home covered | yes | „Beaufsichtigung von tagsüber zur Betreuung übernommenen Kindern außerhalb des eigenen …“ | 17.2, page 7 |
| 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 unbegrenzten Auslandsaufenthalt innerhalb eines Staates des Europäischen …“ | 8.1, page 5 |
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 gleichartige gesetzliche Haftpflicht der Tageskinder während der …“ | 17.3.1, page 8 |
| 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 …“ | 17.4, page 8 |
| Breach of the duty of supervision expressly covered | yes | „Versichert ist dabei insbesondere Ihre Tätigkeit aus der Beaufsichtigung von tagsüber …“ | 17.1, page 7 |
| 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) | not addressed | ||
| Infringement of personality rights (photos, data of day children) | yes, up to the sum insured | „Haftpflichtansprüche wegen Schäden aus Persönlichkeits- oder Namensrechtsverletzungen.“ | 23, page 9 |
Keys and loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of parents' keys (cost of changing locks) | yes, up to the sum insured | „Ihre gesetzliche Haftpflicht aus dem Abhandenkommen von fremden nicht berufsbezogenen“ | 11.1, page 6 |
| Loss of keys to rented premises or master key systems | no | „Ihre gesetzliche Haftpflicht aus dem Abhandenkommen von fremden nicht berufsbezogenen“ | 11.1, page 6 |
| Loss of day children's items (glasses, hearing aid, toys) | no | „Vom Versicherungsschutz ausgeschlossen ist die Haftpflicht wegen Abhandenkommens von …“ | 17.5, page 8 |
| 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 | „(z. B. bei Spielen, Ausflügen usw.).“ | 17.1, page 7 |
| 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 gemieteten Gebäuden, Grundstücken (auch Pacht), Wohnräumen und …“ | 3.1, page 2 |
| Environmental and water pollution damage from the household (heating oil) | yes, up to the sum insured | „Gewässers einschließlich des Grundwassers (Gewässerschäden) mit Ausnahme der …“ | 10.1, page 6 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of care in institutions (nursery, kindergarten) | yes | „Nicht versichert ist jedoch die Ausübung dieser Tätigkeit in Betrieben und …“ | 17.1, page 7 |
| 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) | not addressed | ||
| Benefit reduction for gross negligence | not addressed | ||
| Exclusion of claims by own children and relatives | not addressed | ||
| Exclusion of damage from use of motor vehicles | not addressed |
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 | „Der Versicherungsschutz für die Tageskinder in der Privat-Haftpflichtversicherung …“ | 17.3.2, page 4 |
| Defence against unjustified claims (passive legal protection) | not addressed | ||
| 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 während der Wirksamkeit dieser …“ | 5.1.1, page 3 |
| 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, dass die dieser Versicherung zugrunde liegenden Bedingungen …“ | 22, page 9 |
| Update clause: future improvements apply automatically | not addressed | ||
| Minimum term and notice period | not addressed |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- Zurich Insurance Europe AG
- Distribution
- not known
- Bedingungen und Risikobeschreibungen Privatschutz Privathaftpflicht Edition: BBR-PHV 2017, Fassung 04.2025 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 Zurich Privatschutz and available as plain text.
Volltext Zurich Privatschutz Tagesmutter-Haftpflicht · As text (Markdown) Zurich Privatschutz Childminder liability