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Mecklenburgische Komfortdeckung: the policy wording in full
Komfortdeckung der gewerblichen Haftpflicht der Mecklenburgischen für Handel, Dienstleistung und sonstige Betriebe (AHB 2024, BBR 10 D) mit Tätigkeitsschäden und Schlüsselverlust bis 3 Mio. Euro.
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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 Mecklenburgische Komfortdeckung.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form: trade policy for cleaning firms, package policy with trade module or general business wording | no | „Haftpflicht-Grunddeckung und Haftpflicht-Komfortdeckung für Handel, Dienstleistung und …“ | Übersicht, Seite 26, page 7 |
| 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 | „Vermögensschäden durch sonstige Ursachen gemäß Ziffer IV. Nr. 51. der BBR 10 VSu VSu“ | Übersicht, Seite 27, page 9 |
| Jobs abroad (territorial scope Europe or worldwide) | yes | „direkter Export, Montage und andere Tätigkeiten im europäischen Ausland VSu VSu“ | Übersicht, Seite 26, page 8 |
| 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 | „bei Arbeiten auf fremden Grundstücken 30.000 €1) 3.000.000 €1)“ | Übersicht, Seite 27; BBR 10 Ziffer IV Nr. 40, page 9 |
| Damage to movable property being worked on (furniture, carpets, devices, artworks) | yes, up to EUR 3 million | „die gesetzliche Haftpflicht aus Schäden an fremden Sachen, die durch eine gewerbliche …“ | BBR 10 Ziffer IV Nr. 40.1, page 43 |
| 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) | yes | „und alle sich daraus ergebenden Vermögensschäden, wenn diese Schäden“ | BBR 10 Ziffer IV Nr. 40.1, page 32 |
| 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 | „die gesetzliche Haftpflicht wegen Personen-, Sach- und Vermögensschäden, die auf …“ | BBR 10 Ziffer IV Nr. 11, page 40 |
Keys and access devices
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of clients' keys (replacement of locks and master-key systems) | yes, up to EUR 3 million | „die gesetzliche Haftpflicht aus dem Abhandenkommen von fremden Schlüsseln (auch …“ | BBR 10 Ziffer IV Nr. 2.1; Übersicht Seite 26, page 38 |
| Code cards, transponders and electronic access devices covered | yes | „die gesetzliche Haftpflicht aus dem Abhandenkommen von fremden Schlüsseln (auch …“ | BBR 10 Ziffer IV Nr. 2.1, page 38 |
| Cost of temporary locks and guarding after key loss | yes | „sowie für vorübergehende Sicherungsmaßnahmen (Notschloss) und einen Objektschutz bis zu …“ | BBR 10 Ziffer IV Nr. 2.2, page 38 |
| Consequential loss after key loss (burglary or theft using the lost key) | no | „Folgeschäden, die sich aus einem Verlust von Schlüsseln /Codekarten ergeben“ | BBR 10 Ziffer IV Nr. 2.3, page 38 |
| 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, up to EUR 3 million | „durch Brand, Explosion, Leitungs- und Abwasser an Betriebsgebäuden/-räumen (nicht am …“ | Übersicht, Seite 26; BBR 10 Ziffer IV Nr. 28, page 8 |
| 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 50,000, excess EUR 500 | „an zu betrieblichen Zwecken gemieteten (nicht geleasten) oder geliehenen beweglichen …“ | Übersicht, Seite 26, page 8 |
| 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 | „Vertraglich übernommene gesetzliche Haftpflicht von Vermietern, Verpächtern …“ | Übersicht, Seite 27, page 9 |
| Subcontractors and joint ventures (own liability for contracted firms) | yes | „Beauftragung von Subunternehmern im Rahmen der versicherten Tätigkeiten (nicht jedoch …“ | Übersicht, Seite 27, page 9 |
| 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 | „Gebrauch von Kfz bis 6 km/h sowie Hub- und Gabelstaplern und selbstfahrenden …“ | Übersicht, Seite 26, page 8 |
| Aerial work platforms, scaffolding, ladders and rope access | yes | „Besitz und Verwendung von Gerüsten, Arbeitsbühnen, etc. gemäß Ziffer IV. Nr. 21. der …“ | Übersicht, Seite 26, page 8 |
| Loading and unloading damage to third-party vehicles and containers | yes | „Be- und Entladeschäden an fremden Landfahrzeugen (nicht an der Ladung) gemäß Ziffer IV …“ | Übersicht, Seite 26, page 8 |
| Environmental liability and environmental damage (cleaning agents, waste water, oil) | yes | „Umweltschäden (Grunddeckung) für privatrechtliche Umwelthaftpflicht-Ansprüche wegen …“ | Übersicht, Seite 27, page 9 |
| Waste removal and transport on behalf of the client | not addressed | ||
| Data protection breaches (access to documents, client data) | yes, up to EUR 100,000 | „Verletzung von Datenschutzgesetzen gemäß Ziffer IV. Nr. 50. der BBR 10 100.000 €1) …“ | Übersicht, Seite 27, page 9 |
| 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 | „Der Vertrag kann mit einer Frist von drei Monaten zum Ende der vertraglich vereinbarten …“ | Kundeninformation, Dauer und Beendigung, 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.
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Policy wordings and provider
- Legal entity
- Mecklenburgische Versicherungs-Gesellschaft auf Gegenseitigkeit
- Distribution
- brokers and direct
- Vertragsinformationen Betriebshaftpflicht Edition: Version 83-AHG-0126, AHB 2024, BBR 10 D 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 Mecklenburgische Komfortdeckung and available as plain text.
Volltext Mecklenburgische Komfortdeckung Gebäudereiniger · As text (Markdown) Mecklenburgische Komfortdeckung Cleaning firms