Insurance broker / Club and association liability insurance in Germany (Vereinshaftpflicht) / Policy wording archive Club and association liability
ARAG für Vereine: the policy wording in full
Vermögensschaden-Haftpflicht für Sportvereine im Landessportbund mit Drittschäden der Organe und Helfer und Eigenschäden des Vereins durch fahrlässige Verstöße, ohne Selbstbehalt.
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Everything about this policy
What the policy covers: 59 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for ARAG für Vereine.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit of indemnity per occurrence (combined for bodily injury, property damage and financial loss) | as stated in the policy schedule | ||
| Annual aggregate (for example twice the limit per insurance year) | not addressed | ||
| Pure financial loss caused by the club to third parties | yes, up to the sum insured | „Versicherungsschutz für den Fall, dass sie wegen eines Verstoßes, der von den …“ | Besondere Vereinbarungen Ziffer 1, page 8 |
| Standard deductible per occurrence | not addressed | ||
| Territory (domestic, Europe, worldwide; club trips and events abroad) | not addressed | ||
| Insured risk: activities within the club's statutory purpose as stated in the proposal | not addressed | ||
| Club types excluded or with special rules (riding, shooting, motor sport, aviation, water sports, hunting) | not addressed | ||
| Automatic cover for new risks (new sections, new facilities) | not addressed | ||
| Guarantee clause against model wordings or prior policy, automatic upgrade clause | not addressed | ||
| Defence against unjustified claims, costs in addition to the limit | not addressed |
Insured persons
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Personal liability of board members and statutory officers acting for the club | not addressed | ||
| Personal liability of volunteers and appointed helpers during club activities | not addressed | ||
| Personal liability of members at club events and training | not addressed | ||
| Personal liability of employees, instructors and coaches | not addressed | ||
| Non members, guests and trial participants co-insured at club events | not addressed | ||
| Claims between co-insured persons and against the club (injury between members) | not addressed | ||
| Duty of supervision of minors and youth groups (youth work, camps) | not addressed | ||
| Damage to volunteers' own property (for example private car used for club trips) | not addressed |
Events and premises
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Club events (festivals, tournaments, concerts, outings) covered | not addressed | ||
| Event limit by attendance or type (large events notifiable or excluded) | not addressed | ||
| Fireworks and pyrotechnics at events | not addressed | ||
| Bar, catering and sale of food and drink (including food poisoning) | not addressed | ||
| Erection and use of tents, stages and stands | not addressed | ||
| Premises liability for clubhouse, sports facilities and land (duty of care) | not addressed | ||
| Damage to rented or borrowed rooms, halls and sports venues | not addressed | ||
| Damage to hired or borrowed movable items (equipment, instruments, tents) | not addressed | ||
| Loss of third party keys and access cards (club rooms, halls, municipality) | not addressed | ||
| Liability for own building works at the clubhouse up to the stated contract value | not addressed |
Extensions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Animals kept by the club (club horses, dogs in dog sport clubs) | not addressed | ||
| Use of club owned or hired watercraft (rowing, paddle, sailing and motor boats) | not addressed | ||
| Use of drones and model aircraft in club activities | not addressed | ||
| Unregistered vehicles and work machines (ride on mower, ground care) up to the stated speed | not addressed | ||
| Environmental damage and water pollution (for example heating oil tank, fishing waters) | not addressed | ||
| Operation of solar panels on the clubhouse including grid feed in | not addressed | ||
| Liability for data protection breaches and electronic data exchange (member data, website) | not addressed | ||
| Default cover (club protected if the liable third party cannot pay) | not addressed | ||
| Criminal defence costs for board and helpers | not addressed | ||
| Loss of club funds and cash shortfalls (fidelity, where included) | not addressed | ||
| Financial loss liability of officers towards the club (internal board liability) | yes, up to the sum insured | „Außerdem gewährt der Versicherer dem Versicherungsnehmer Versicherungsschutz für …“ | Besondere Vereinbarungen Ziffer 2, page 8 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of damage from use of registered motor vehicles | not addressed | ||
| Exclusion of motor sport, races and speed events | not addressed | ||
| Exclusion or restriction for weapons, ammunition and explosives (shooting sport) | not addressed | ||
| Exclusion of claims for injuries between participants in sport (no gross foul) | not addressed | ||
| Exclusion of abuse, maltreatment or sexual harassment | not addressed | ||
| Exclusion of professional sport and commercial activities of the club | not addressed | ||
| Exclusion for wilful breach of laws, regulations or official requirements | not addressed | ||
| Exclusion of punitive damages, fines and contractual penalties | not addressed |
Contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Higher deductible for single extensions (rented property, keys, helpers' property) | not addressed | ||
| Premium basis and adjustment (number of members, events), reporting duty | not addressed | ||
| Duty to notify increased risk (new sections, facilities, change of statutes) | not addressed | ||
| Duties after a claim (notice period, no admission without consent) | not addressed | ||
| Run off cover after dissolution of the club or end of contract | not addressed | ||
| Term and cancellation (duration, cancellation after a claim) | not addressed |
Spain specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Operations liability of the association or club | not addressed | ||
| Employer's liability for work accidents of own staff | not addressed | ||
| Per victim sublimit | not addressed | ||
| Cover of volunteers under the Spanish Volunteering Act 45/2015 | not addressed | ||
| Defence and bail in civil and criminal proceedings | not addressed | ||
| Temporal scope (occurrence during the term, reporting period after expiry) | 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
- ARAG Allgemeine Versicherungs-Aktiengesellschaft, DARAG Deutschland AG
- Distribution
- brokers and direct
- Bedingungen Vermögensschaden-Haftpflichtversicherung für Sportvereine und Verbände (SPV 053) Edition: AVB-VH/VH 2011, Besondere Vereinbarungen Stand 01.07.2011 (SPV053, PDF 4.2023) 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 ARAG für Vereine and available as plain text.
Volltext ARAG für Vereine Vereinshaftpflicht · As text (Markdown) ARAG für Vereine