Insurance broker / Cleaning company insurance / Policy wording archive Cleaning firms
Hiscox by Hiscox: the policy wording in full
Modulares Gewerbeprodukt von Hiscox mit Betriebshaftpflicht, wählbarer Vermögensschaden-, Cyber- und Sachversicherung; Obhuts- und Tätigkeitsschäden bis 50.000 Euro laut Produktinformationsblatt.
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 Hiscox.
- AI has advised
- 2Your details
- Application to Hiscox
Thank you, we have your application.
We prepare it with Hiscox 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 Hiscox by Hiscox.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form: trade policy for cleaning firms, package policy with trade module or general business wording | no | „Welche Module Ihr Versicherungsvertrag beinhaltet, entnehmen Sie bitte dem …“ | IPID, Seite 1, 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 | not addressed | ||
| Pure financial loss | yes | „für einen versicherten Vermögensschaden verantwortlich gemacht werden.“ | IPID, Vermögensschadenhaftpflicht, page 1 |
| Jobs abroad (territorial scope Europe or worldwide) | yes | „Versicherungsschutz besteht für die Betriebshaftpflicht weltweit, mit der Ausnahme von …“ | IPID, Wo bin ich versichert, page 3 |
| Sum insured for contents and machinery and valuation basis (new or current value) | yes | „Versichert sind die beweglichen Sachen des Büro-/Gewerbebetriebs des Versicherungsnehmers“ | IPID, Sach-Inhalt, page 2 |
| 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 50,000 | „Obhutsschäden / Tätigkeitsschäden 50.000 €“ | IPID, Begrenzung Betriebshaftpflicht, page 2 |
| Damage to movable property being worked on (furniture, carpets, devices, artworks) | yes, up to EUR 50,000 | „Obhutsschäden / Tätigkeitsschäden 50.000 €“ | IPID, Begrenzung Betriebshaftpflicht, page 2 |
| 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 | not addressed |
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 | not addressed | ||
| Damage to rooms and fittings provided by the client (cleaning rooms, storage on site) | not addressed | ||
| Damage to borrowed, rented or client-provided equipment | not addressed | ||
| 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 | „im Rahmen der Umweltschadenhaftpflichtversicherung für Schäden durch Umwelteinwirkungen“ | IPID, Betriebshaftpflicht, page 1 |
| Waste removal and transport on behalf of the client | not addressed | ||
| Data protection breaches (access to documents, client data) | yes | „Datenrechtsverletzungen oder Cyber-Erpressungen“ | IPID, Cyber, page 2 |
| 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 | yes | „nach einem Einbruchdiebstahl bzw. -versuch und Vandalismus“ | IPID, Sach-Inhalt, page 2 |
| 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) | yes | „wenn sie voraussichtlich nur vorübergehend (nicht mehr als drei Monate) zu …“ | IPID, Wo bin ich versichert, page 3 |
| 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) | yes | „besteht aus der Zahlung der fortlaufenden Kosten und dem Betriebsgewinn“ | IPID, Sach-Betriebsunterbrechung, page 2 |
| Indemnity period | yes | „beträgt, sofern nichts Abweichendes vereinbart ist, 12 Monate.“ | IPID, Begrenzung Sach-Betriebsunterbrechung, page 3 |
| 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 | „Der Vertrag verlängert sich um jeweils ein weiteres Jahr, wenn er nicht durch Sie oder …“ | IPID, Wann beginnt und endet die Deckung, page 3 |
| 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
- Hiscox SA, Niederlassung für Deutschland
- Distribution
- brokers and direct
- Informationsblatt zu Versicherungsprodukten, modulares Produkt (IPID) Edition: Modulares Produkt by Hiscox 11/2024 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 Hiscox by Hiscox and available as plain text.
Volltext Hiscox by Hiscox Gebäudereiniger · As text (Markdown) Hiscox by Hiscox Cleaning firms