Insurance broker / Cleaning company insurance / Policy wording archive Cleaning firms
ERGO Betriebs- und: the policy wording in full
Haftpflichtversicherung der ERGO für industrielle Betriebe (Stand 1.9.2020) mit Betriebs-, Produkt- und Umweltrisiko, Tätigkeitsschäden bis 3 Mio. Euro, Mietsach- und Obhutsschäden sowie Schlüsselverlust.
German market: tariffs for people living in Germany.
Done in two minutes: your details are enough, we take care of the rest.
- Free for you, same price as going direct
- 4.97 out of 5 stars from 5,048 reviews
- On your side when you claim
Take out this policy through NAMMERT
You have already worked out with your AI what fits you.
All we need now are your details and a few answers.
We prepare your application with ERGO.
- AI has advised
- 2Your details
- Application to ERGO
Thank you, we have your application.
We prepare it with ERGO and get back to you with the documents.
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 ERGO Betriebs- und.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form: trade policy for cleaning firms, package policy with trade module or general business wording | no | „Haftpflichtversicherung für industrielle Betriebe“ | Titel, page 1 |
| 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 | „Die Leistungen des Versicherers sind für alle Versicherungsfälle eines …“ | A 3.1, page 7 |
| Pure financial loss | yes, up to EUR 250,000 | „Mitversichert ist die gesetzliche Haftpflicht des Versicherungsnehmers wegen sonstiger …“ | B 6.9.6, page 12 |
| Jobs abroad (territorial scope Europe or worldwide) | yes | „Mitversichert sind im Ausland eintretende Versicherungsfälle nach jeweils geltendem Recht.“ | B 6.4.1, page 31 |
| 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 3 million | „Mitversichert ist die gesetzliche Haftpflicht des Versicherungsnehmers wegen …“ | B 6.6.5, page 25 |
| Damage to movable property being worked on (furniture, carpets, devices, artworks) | yes, up to EUR 3 million | „Sonstige Tätigkeitsschäden 3.000.000 EUR“ | A 3.1.1, page 7 |
| 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 | „Mitversichert sind gesetzliche Haftpflichtansprüche wegen des Löschens von …“ | B 6.9.2, page 26 |
| Loss of use and consequential loss after damage from the work (lost rent, disruption at the client) | not addressed | ||
| 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 | yes | „Schäden, die auf Asbest, asbesthaltige Substanzen oder Erzeugnisse zurückzuführen sind.“ | A 7.10, page 17 |
Keys and access devices
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of clients' keys (replacement of locks and master-key systems) | yes | „Mitversichert ist die gesetzliche Haftpflicht des Versicherungsnehmers aus dem …“ | B 6.1.2, page 22 |
| Code cards, transponders and electronic access devices covered | yes | „von fremden mechanischen oder elektronischen Schlüsseln (auch General-/Hauptschlüssel …“ | B 6.1.2, page 22 |
| Cost of temporary locks and guarding after key loss | yes | „für vorübergehende Sicherungsmaßnahmen (Notschloss) und einen Objektschutz bis zu 14 Tagen“ | B 6.1.2, page 23 |
| Consequential loss after key loss (burglary or theft using the lost key) | no | „bleiben Ansprüche aus Folgeschäden eines Schlüsselverlustes (z. B. wegen Einbruchs).“ | B 6.1.2, page 23 |
| 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, excess EUR 250 | „Mitversichert ist die gesetzliche Haftpflicht des Versicherungsnehmers wegen …“ | A 6.11.2, page 15 |
| 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 3 million, excess EUR 500 | „Mitversichert ist die gesetzliche Haftpflicht des Versicherungsnehmers wegen …“ | A 6.11.3, page 15 |
| Winter service, clearing and gritting obligations taken over for others | not addressed | ||
| Caretaker, gardening and property services covered | not addressed | ||
| Contractually assumed liability (tenders, client framework contracts) | yes | „durch Vertrag übernommene gesetzliche Haftpflicht von Verleihern, Vermietern …“ | A 6.19.1, page 15 |
| Subcontractors and joint ventures (own liability for contracted firms) | yes | „aus der Beauftragung und Überwachung eigenverantwortlich tätiger Subunternehmer“ | A 6.17, page 16 |
| 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 | „selbstfahrenden Arbeitsmaschinen sowie“ | A 6.10.1, page 14 |
| Aerial work platforms, scaffolding, ladders and rope access | not addressed | ||
| Loading and unloading damage to third-party vehicles and containers | yes | „an fremden Land- und Wasserfahrzeugen oder Containern sowie deren Ladung durch oder …“ | B 6.6.1, page 24 |
| Environmental liability and environmental damage (cleaning agents, waste water, oil) | yes, up to EUR 3 million | „für die Umwelt-Haftpflicht- und die Umweltschadensversicherung“ | Hinweise, Vertragsteil C, page 1 |
| Waste removal and transport on behalf of the client | not addressed | ||
| Data protection breaches (access to documents, client data) | yes | „Verletzung von Datenschutzgesetzen“ | B 6.8, page 5 |
| 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“ | B 6.9.6 (12), page 12 |
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) | not addressed | ||
| Premium basis and reporting duty (payroll, turnover, headcount) | not addressed | ||
| Insurance certificate for clients and tenders | not addressed | ||
| Minimum term and notice period | yes | „Jahr verlängert sich der Vertrag um jeweils ein Jahr.“ | D 9.2, page 38 |
| 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.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- ERGO Versicherung Aktiengesellschaft
- Distribution
- not known
- Versicherungsbedingungen Betriebs- und Produkt-Haftpflichtversicherung (Teil B Besondere Bedingungen, Teil C Umwelt) Edition: Stand 1.9.2020 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 ERGO Betriebs- und and available as plain text.
Volltext ERGO Betriebs- und Gebäudereiniger · As text (Markdown) ERGO Betriebs- und Cleaning firms