Insurance broker / Cleaning company insurance / Policy wording archive Cleaning firms
BGV Firmen: the policy wording in full
Branchenoffene Betriebshaftpflicht der BGV für Bau, Betrieb, Gastronomie, Handwerk und Handel (AVB BHV Firmen 2022) mit Tätigkeitsschäden, Schlüsselverlust, Mietsachschäden, Umwelt- und Produktrisiko; Deckungssummen laut Versicherungsschein.
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Everything about this policy
What the policy covers: 68 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for BGV Firmen.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form: trade policy for cleaning firms, package policy with trade module or general business wording | no | „Allgemeine Versicherungsbedingungen für die Betriebshaftpflichtversicherung für Firmen …“ | Inhaltsverzeichnis, page 2 |
| Insured activities (routine, deep, window, facade, post-construction and special cleaning, caretaker services) | not addressed | ||
| Liability limit for bodily injury and property damage | not addressed | ||
| Annual aggregate limit | yes | „sind die Entschädigungsleistungen des Versicherers für alle Versicherungsfälle eines …“ | A1-5.2, page 11 |
| Pure financial loss | yes | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers wegen …“ | A1-6.22, page 16 |
| Jobs abroad (territorial scope Europe or worldwide) | yes | „Arbeiten oder Leistungen im Inland oder Ausland (nicht USA, US-Territorien oder Kanada);“ | A1-6.18.1 (2), page 16 |
| Sum insured for contents and machinery and valuation basis (new or current value) | not addressed | ||
| Waiver of underinsurance for contents and machinery | not addressed |
Damage to clients' property from the work
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Damage to immovable property being worked on (floors, walls, doors, fittings at the client) | yes, up to EUR 500,000 | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers wegen …“ | A1-6.14.5, page 13 |
| Damage to movable property being worked on (furniture, carpets, devices, artworks) | yes, up to EUR 500,000 | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers wegen …“ | A1-6.14.5, page 13 |
| Surface damage from cleaning agents (etching, staining, bleaching of stone, parquet, stainless steel) | not addressed | ||
| Window cleaning: damage to glass, frames and coatings (scratches from blades or scrapers) | not addressed | ||
| Facade, roof and high-pressure cleaning (water ingress, washed-out joints, insulation damage) | not addressed | ||
| Water damage at the client from mopping water, overflow or burst pipes during work | not addressed | ||
| Damage to the client's IT, electronics and systems (switching off, unplugging, moisture) | not addressed | ||
| Data loss at the client from switching off or damaging devices | yes | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers wegen Schäden …“ | A1-6.14.2, page 15 |
| Loss of use and consequential loss after damage from the work (lost rent, disruption at the client) | yes | „Tätigkeitsschäden sind Schäden an fremden Sachen und alle sich daraus ergebenden …“ | A1-6.14, page 15 |
| Deductible for damage from the work | not addressed | ||
| Disinfection, mould, fire and crime-scene cleaning covered | not addressed | ||
| Exclusion of asbestos, hazardous substance removal and munitions | none | „Versichert ist die gesetzliche Haftpflicht wegen Personen-, Sach- und Vermögensschäden …“ | A1-6.24, page 17 |
Keys and access devices
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of clients' keys (replacement of locks and master-key systems) | yes | „die gesetzliche Haftpflicht des Versicherungsnehmers ausschließlich wegen des …“ | A1-6.7, page 13 |
| Code cards, transponders and electronic access devices covered | yes | „fremder mechanischer oder elektronischer Schlüssel für Gebäude und Räume“ | A1-6.7, page 13 |
| Cost of temporary locks and guarding after key loss | yes | „sowie für vorübergehende Sicherungsmaßnahmen (Notschloss) und einen Objektschutz bis zu …“ | A1-6.7, page 13 |
| Consequential loss after key loss (burglary or theft using the lost key) | yes, up to EUR 250,000 | „Die Versicherungssumme für diese Schäden beträgt 250.000 EUR je Versicherungsfall im …“ | A1-6.7.1, page 13 |
| Deductible for key loss | not addressed | ||
| Key custody requirements (key register, no address tags, safe) | not addressed |
Further business liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Damage to rented business premises and storage | yes | „zu betrieblichen oder beruflichen Zwecken gemieteten (nicht geleasten), gepachteten …“ | A1-6.11.1 (2), page 14 |
| Damage to rooms and fittings provided by the client (cleaning rooms, storage on site) | not addressed | ||
| Damage to borrowed, rented or client-provided equipment | yes, up to EUR 500,000 | „wegen Schäden ausschließlich an vom Versicherungsnehmer für einzelne Tätigkeiten …“ | A1-6.11.1 (4), page 13 |
| Winter service, clearing and gritting obligations taken over for others | yes | „(z. B. bauliche Instandhaltung, Beleuchtung, Reinigung, Streuen und Schneeräumen auf …“ | A1-6.3.1, page 13 |
| Caretaker, gardening and property services covered | not addressed | ||
| Contractually assumed liability (tenders, client framework contracts) | yes | „Versichert ist die durch Vertrag vom Versicherungsnehmer ausschließlich als Mieter …“ | A1-6.5, page 13 |
| Subcontractors and joint ventures (own liability for contracted firms) | yes | „Versichert ist die persönliche gesetzliche Haftpflicht des Versicherungsnehmers aus der …“ | A1-6.4, page 12 |
| Temporary and marginal workers covered, including damage among staff | not addressed | ||
| Self-propelled work machines (scrubber-dryers, sweepers up to 20 km/h, forklifts) | yes | „selbstfahrende Arbeitsmaschinen und Stapler mit nicht mehr als 20 km/h bauartbedingter …“ | A1-6.10.1 (3), page 14 |
| Aerial work platforms, scaffolding, ladders and rope access | yes | „aus der Errichtung und dem Gebrauch von Gerüsten zur Durchführung der versicherten …“ | A1-6.9.2, page 13 |
| Loading and unloading damage to third-party vehicles and containers | yes | „wegen Tätigkeitsschäden an Land- und Wasserfahrzeugen, Containern ausschließlich, falls …“ | A1-6.14.1, page 15 |
| Environmental liability and environmental damage (cleaning agents, waste water, oil) | yes | „Abschnitt A2 gilt für Schäden durch Umwelteinwirkungen und Schäden an der Umwelt …“ | A2, page 2 |
| Waste removal and transport on behalf of the client | not addressed | ||
| Data protection breaches (access to documents, client data) | yes | „aus der Verletzung von Datenschutzgesetzen durch Verarbeitung personenbezogener Daten“ | A1-6.23.1, page 17 |
| Cover for unrecoverable third-party claims (default cover) | not addressed | ||
| Fidelity cover: theft by own staff at the client's premises | no | „aus dem Abhandenkommen von Sachen, auch z.B. von Geld, Wertpapieren und Wertsachen.“ | A1-6.22.1 (12), page 17 |
Contents and machinery
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire (fire, lightning, explosion) for contents, equipment and stock | not addressed | ||
| Burglary and vandalism after break-in | not addressed | ||
| Escape of water | not addressed | ||
| Storm and hail | not addressed | ||
| Other natural hazards (flood, backflow, earthquake, snow load) | not addressed | ||
| Cleaning machines and equipment against breakage, operating error and short circuit (machinery cover) | not addressed | ||
| Equipment and material at clients' premises and on sites (cover away from premises) | not addressed | ||
| Theft of equipment from a locked vehicle | not addressed | ||
| Simple theft of equipment at the work site | not addressed | ||
| Business electronics and office IT (all risks) | not addressed | ||
| Stock of cleaning agents and consumables | not addressed | ||
| Glass breakage at shop windows and premises glazing | not addressed | ||
| Deductible for contents and machinery | not addressed |
Business interruption
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Business interruption after property damage (ongoing costs, lost profit) | not addressed | ||
| Indemnity period | not addressed | ||
| Time excess (waiting days) for business interruption | not addressed | ||
| Contingent business interruption: loss of a client's site through damage there | not addressed |
Contract and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Security requirements for premises and vehicles (locks, alarm, night-time clause) | not addressed | ||
| Duty to follow manufacturer instructions, work safety and hazardous substance rules | not addressed | ||
| Requirement to test cleaning agents on an inconspicuous spot first | not addressed | ||
| Gross negligence covered (no reduction) | not addressed | ||
| Best-performance and update guarantee (improvements apply automatically) | yes | „wird diese den Schaden auf schriftlich geäußerten Wunsch des Versicherungsnehmers nach …“ | A1-11, page 26 |
| Premium basis and reporting duty (payroll, turnover, headcount) | not addressed | ||
| Insurance certificate for clients and tenders | not addressed | ||
| Minimum term and notice period | yes | „Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich der Vertrag um …“ | B2-1.2, page 73 |
| Framework contract of a guild or trade association | not addressed |
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
- BGV-Versicherung Aktiengesellschaft
- Distribution
- brokers and direct
- Verbraucherinformation zu Ihrer Betriebs- und Berufshaftpflichtversicherung mit AVB BHV Firmen (F 10067) Edition: AVB BHV Firmen Ausgabe Februar 2022 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 BGV Firmen and available as plain text.
Volltext BGV Firmen Gebäudereiniger · As text (Markdown) BGV Firmen Cleaning firms