Insurance broker / Cleaning company insurance / Policy wording archive Cleaning firms
R+V UnternehmensPolice Sachversicherungen: the policy wording in full
Sachversicherung der R+V UnternehmensPolice (MultiLine) für Gebäude, Inhalt und Ertragsausfall mit wählbaren Gefahren bis zu unbenannten Gefahren und LeistungsUpdate-Garantie; die Betriebshaftpflicht ist nicht Teil dieses Werks.
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 R+V.
- AI has advised
- 2Your details
- Application to R+V
Thank you, we have your application.
We prepare it with R+V 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 R+V UnternehmensPolice
Sachversicherungen.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form: trade policy for cleaning firms, package policy with trade module or general business wording | no | „Versicherungsbedingungen zu R+V-Sachversicherungen (MultiLine)“ | Inhaltsverzeichnis, 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 | not addressed | ||
| Jobs abroad (territorial scope Europe or worldwide) | not addressed | ||
| Sum insured for contents and machinery and valuation basis (new or current value) | yes | „Der Neuwert ist der Betrag, der aufzuwenden ist, um Sachen gleicher Art und Güte in …“ | BB Inhaltsversicherung 17.1, page 80 |
| Waiver of underinsurance for contents and machinery | yes | „Der Unterversicherungsverzicht gilt nur für die in der Deklaration des …“ | BB Gebäude und Inhalt 17.4, page 60 |
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) | not addressed | ||
| Damage to movable property being worked on (furniture, carpets, devices, artworks) | not addressed | ||
| 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) | not addressed | ||
| 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 | yes | „Brand, Blitzschlag, Explosion oder Implosion“ | SB Feuer 1, page 103 |
| Burglary and vandalism after break-in | yes | „Spezielle Bedingungen zur Versicherung von Schäden durch Einbruchdiebstahl, Raub und …“ | SB Einbruchdiebstahl, page 1 |
| Escape of water | yes | „Spezielle Bedingungen zur Versicherung von Schäden durch Leitungswasser“ | SB Leitungswasser, page 1 |
| Storm and hail | yes | „Spezielle Bedingungen zur Versicherung von Schäden durch Sturm und Hagel“ | SB Sturm und Hagel, page 1 |
| Other natural hazards (flood, backflow, earthquake, snow load) | yes | „Spezielle Bedingungen zur Versicherung von Schäden durch Überschwemmung und Rückstau“ | SB Überschwemmung und Rückstau, page 1 |
| Cleaning machines and equipment against breakage, operating error and short circuit (machinery cover) | yes | „Die Versicherung umfasst Schäden durch unbenannte Gefahren.“ | SB unbenannte Gefahren 1, page 133 |
| Equipment and material at clients' premises and on sites (cover away from premises) | yes | „Versicherte Sachen, die sich außerhalb des Versicherungsortes befinden, sind inklusive …“ | BB Inhaltsversicherung 13, page 79 |
| 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 | yes | „Die im Vertrag für die Betriebseinrichtung sowie Waren und Vorräte …“ | BB Inhaltsversicherung 27.6, page 88 |
| Glass breakage at shop windows and premises glazing | yes | „Spezielle Bedingungen zur Versicherung von Schäden durch Glasbruch“ | SB Glasbruch, page 1 |
| Deductible for contents and machinery | yes | „wird je Versicherungsfall um die vereinbarten Selbstbeteiligungen gekürzt.“ | Bedingungen Sachversicherung 22, page 41 |
Business interruption
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Business interruption after property damage (ongoing costs, lost profit) | yes | „Der Ertragsausfallschaden besteht aus den fortlaufenden Kosten und dem Betriebsgewinn …“ | BB Inhaltsversicherung 27.3, page 87 |
| Indemnity period | yes | „Die Haftzeit beträgt 12 Monate, soweit nicht etwas anderes vereinbart ist.“ | BB Inhaltsversicherung 27.4, page 88 |
| Time excess (waiting days) for business interruption | not addressed | ||
| Contingent business interruption: loss of a client's site through damage there | yes | „Ein Ertragsausfallschaden liegt auch vor, wenn sich ein dem Grunde nach …“ | BB Ertragsausfallversicherung 16, page 96 |
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) | yes | „Bei Versicherungsfällen bis zu einer Schadenhöhe von insgesamt 20.000 EUR verzichtet …“ | SB unbenannte Gefahren 2, page 43 |
| Best-performance and update guarantee (improvements apply automatically) | yes | „so gelten die neuen Bedingungen und Leistungen auch für die zum jeweiligen Schadentag …“ | LeistungsUpdate-Garantie, page 25 |
| 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 …“ | AT 2.2, 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
- R+V Allgemeine Versicherung Aktiengesellschaft
- Distribution
- through tied agents
- Versicherungsbedingungen R+V UnternehmensPolice Sachversicherungen (Allgemeiner Teil, Gebäude und Inhalt) Edition: KFM0726 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 R+V UnternehmensPolice Sachversicherungen and available as
plain text.
Volltext R+V UnternehmensPolice Sachversicherungen Gebäudereiniger · As text (Markdown) R+V UnternehmensPolice Sachversicherungen Cleaning firms