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Die Haftpflichtkasse Firmenkunden: the policy wording in full
Firmenkunden-Haftpflicht der Haftpflichtkasse nach AHB 2021 mit Umweltschadensversicherung; Tätigkeits- und Mietsachschäden sind nach AHB ausgeschlossen und nur über die Risikobeschreibung im Versicherungsschein eingeschlossen.
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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 Die Haftpflichtkasse Firmenkunden.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form: trade policy for cleaning firms, package policy with trade module or general business wording | no | „Wir bieten Ihnen eine Betriebshaftpflicht-Versicherung an.“ | Produktinformationsblatt I, page 3 |
| 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 | not addressed | ||
| Pure financial loss | not addressed | ||
| Jobs abroad (territorial scope Europe or worldwide) | yes | „Ebenfalls besteht Versicherungsschutz für im Ausland eintretende Versicherungsfälle …“ | Produktinformationsblatt I, Wo bin ich versichert, page 3 |
| 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) | no | „bei unbeweglichen Sachen gilt dieser Ausschluss nur insoweit, als diese Sachen oder …“ | AHB Ziffer 7.7 (1), page 16 |
| Damage to movable property being worked on (furniture, carpets, devices, artworks) | no | „bei unbeweglichen Sachen gilt dieser Ausschluss nur insoweit, als diese Sachen oder …“ | AHB Ziffer 7.7 (1), page 16 |
| 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 | not addressed | ||
| 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 | „auf Asbest, asbesthaltige Substanzen oder Erzeugnisse zurückzuführen sind“ | Produktinformationsblatt I, Was ist nicht versichert, page 3 |
Keys and access devices
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of clients' keys (replacement of locks and master-key systems) | not addressed | ||
| Code cards, transponders and electronic access devices covered | not addressed | ||
| Cost of temporary locks and guarding after key loss | not addressed | ||
| Consequential loss after key loss (burglary or theft using the lost key) | not addressed | ||
| 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 | no | „Versicherungsnehmer diese Sachen gemietet, geleast, gepachtet, geliehen, durch …“ | AHB Ziffer 7.6, page 16 |
| Damage to rooms and fittings provided by the client (cleaning rooms, storage on site) | not addressed | ||
| Damage to borrowed, rented or client-provided equipment | no | „Versicherungsnehmer diese Sachen gemietet, geleast, gepachtet, geliehen, durch …“ | AHB Ziffer 7.6, page 16 |
| 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) | not addressed | ||
| Subcontractors and joint ventures (own liability for contracted firms) | not addressed | ||
| Temporary and marginal workers covered, including damage among staff | not addressed | ||
| Self-propelled work machines (scrubber-dryers, sweepers up to 20 km/h, forklifts) | not addressed | ||
| Aerial work platforms, scaffolding, ladders and rope access | not addressed | ||
| Loading and unloading damage to third-party vehicles and containers | not addressed | ||
| Environmental liability and environmental damage (cleaning agents, waste water, oil) | yes | „Sie sichert neben dem gewerblichen Risiko auch das allgemeine Umweltrisiko ab.“ | Produktinformationsblatt I, page 3 |
| Waste removal and transport on behalf of the client | not addressed | ||
| Data protection breaches (access to documents, client data) | not addressed | ||
| Cover for unrecoverable third-party claims (default cover) | not addressed | ||
| Fidelity cover: theft by own staff at the client's premises | not addressed |
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 | „Hat Ihr Vertrag eine Laufzeit von mindestens einem Jahr? Dann verlängert er sich …“ | Produktinformationsblatt I, page 4 |
| 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
- Die Haftpflichtkasse VVaG
- Distribution
- available through brokers
- Verbraucherinformationen Firmenkunden (Betriebshaftpflicht mit AHB) Edition: Verbraucherinformationen Stand 11/2024, AHB 01.01.2021 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 Die Haftpflichtkasse Firmenkunden and available as plain text.
Volltext Die Haftpflichtkasse Firmenkunden Gebäudereiniger · As text (Markdown) Die Haftpflichtkasse Firmenkunden Cleaning firms