Insurance broker / Club and association liability insurance in Germany (Vereinshaftpflicht) / Policy wording archive Club and association liability
Uelzener Haftpflichtversicherung für Vereine, kurzfristige Risiken und Sonderrisiken: the policy wording in full
Besondere Bedingungen für Vereine mit Vorstand, Mitgliedern und Angestellten, Grundstücken bis 10 ha, Bauvorhaben bis 100.000 Euro und Feuerwerk durch Pyrotechniker, ohne Tierhaltung und Fahrzeuge.
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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 Uelzener Haftpflichtversicherung
für Vereine, kurzfristige Risiken und Sonderrisiken.
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 | not addressed | ||
| Standard deductible per occurrence | not addressed | ||
| Territory (domestic, Europe, worldwide; club trips and events abroad) | yes | „Eingeschlossen ist abweichend von Ziff. 7.9 AHB auch die gesetzliche Haftpflicht aus im …“ | Teil 1 Ziff. 4, page 2 |
| Insured risk: activities within the club's statutory purpose as stated in the proposal | yes | „aus den gewöhnlichen satzungsgemäßen oder sonst sich aus dem Vereinszweck ergebenden …“ | Teil 1 Ziff. 1.1, page 1 |
| Club types excluded or with special rules (riding, shooting, motor sport, aviation, water sports, hunting) | yes | „bei Reit- und Fahrvereinen auch aus der Durchführung von Reit- und Fahrveranstaltungen …“ | Teil 1 Ziff. 1.3, page 1 |
| Automatic cover for new risks (new sections, new facilities) | yes, up to the sum insured | „Es gelten dann die Bestimmungen über die Vorsorgeversicherung Ziffer 4 AHB“ | Teil 1 Ziff. 2.6, page 1 |
| 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 | yes | „der Mitglieder des Vorstandes und der von ihnen beauftragten Vereinsmitglieder in …“ | Teil 1 Ziff. 2.1, page 1 |
| Personal liability of volunteers and appointed helpers during club activities | yes | „der von ihnen beauftragten Vereinsmitglieder in dieser Eigenschaft“ | Teil 1 Ziff. 2.1, page 1 |
| Personal liability of members at club events and training | yes | „sämtlicher übriger Mitglieder aus der Betätigung im Interesse und für Zwecke des …“ | Teil 1 Ziff. 2.2, page 1 |
| Personal liability of employees, instructors and coaches | yes | „sämtlicher übriger Angestellten und Arbeiter für Schäden, die sie in Ausführung ihrer …“ | Teil 1 Ziff. 2.3, page 1 |
| 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) | yes, up to the sum insured | „Mitversichert sind Ansprüche von Vereinsmitgliedern, auch Vorstandsmitgliedern gegen …“ | Teil 1 Ziff. 2.8, page 1 |
| 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 | yes | „Vereinsfestlichkeiten, interne und offene Wettbewerbe“ | Teil 1 Ziff. 1.1, page 1 |
| Event limit by attendance or type (large events notifiable or excluded) | yes | „aus Veranstaltungen, die über den Rahmen gewöhnlicher Vereinsveranstaltungen …“ | Teil 1 Ziff. 3.2, page 2 |
| Fireworks and pyrotechnics at events | yes, up to the sum insured | „aus dem Abbrennen von Feuerwerken aller Art, wenn das Abbrennen polizeilich genehmigt …“ | Teil 1 Ziff. 2.5, page 1 |
| Bar, catering and sale of food and drink (including food poisoning) | no | „aus Betrieben aller Art (z. B. Gaststättenbetrieb im Vereinskasino in eigener Regie …“ | Teil 1 Ziff. 3.5, page 2 |
| Erection and use of tents, stages and stands | not addressed | ||
| Premises liability for clubhouse, sports facilities and land (duty of care) | yes | „im Umfang der Allgemeinen Bedingungen als Eigentümer, Mieter, Vermieter, Pächter …“ | Teil 1 Ziff. 1.2, page 1 |
| Damage to rented or borrowed rooms, halls and sports venues | not addressed | ||
| Damage to hired or borrowed movable items (equipment, instruments, tents) | yes, up to EUR 5,000 | „Der Versicherungsschutz erstreckt sich auf die gesetzliche Haftpflicht des …“ | Teil 1 Ziff. 2.111 (2), page 1 |
| 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 | yes, up to EUR 100,000 | „als Bauherr oder Unternehmer von Bauarbeiten (Neubauten, Umbauten, Reparaturen …“ | Teil 1 Ziff. 2.6, page 1 |
Extensions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Animals kept by the club (club horses, dogs in dog sport clubs) | no | „Nicht versichert ist, sofern nicht ausdrücklich eine gegenteilige Vereinbarung …“ | Teil 1 Ziff. 3.3, page 2 |
| Use of club owned or hired watercraft (rowing, paddle, sailing and motor boats) | no | „aus Halten oder Besitz, ferner aus Anlass von Inbetriebsetzen oder Lenken von Kraft …“ | Teil 1 Ziff. 3.4, page 2 |
| 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 | yes | „nicht zulassungspflichtige Anhänger, Zugmaschinen und Raupenschlepper mit nicht mehr …“ | Teil 1 Ziff. 2.9, page 1 |
| Environmental damage and water pollution (for example heating oil tank, fishing waters) | yes, up to the sum insured | „Ausgeschlossen sind Haftpflichtansprüche wegen Schäden aus Besitz und Verwendung von …“ | Teil 1 Ziff. 2.7, page 1 |
| 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) | yes, up to EUR 100,000 | „Schäden aus dem Austausch, der Übermittlung und der Bereitstellung elektronischer Daten …“ | Teil 1 Ziff. 2.10, page 1 |
| 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) | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of damage from use of registered motor vehicles | yes | „aus Halten oder Besitz, ferner aus Anlass von Inbetriebsetzen oder Lenken von Kraft …“ | Teil 1 Ziff. 3.4, page 2 |
| 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 | yes | „aus der Ausübung des Berufes von Vereinsmitgliedern, auch wenn diese im Auftrag oder im …“ | Teil 1 Ziff. 3.6, page 2 |
| Exclusion for wilful breach of laws, regulations or official requirements | not addressed | ||
| Exclusion of punitive damages, fines and contractual penalties | yes | „Ausgeschlossen bleiben Versicherungsfälle, die in USA / US-Territorien und Kanada …“ | Teil 1 Ziff. 4, page 2 |
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.
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Policy wordings and provider
- Legal entity
- Uelzener Allgemeine Versicherungs-Gesellschaft a.G.
- Distribution
- not known
- Besondere Bedingungen und Risikobeschreibungen zur Haftpflichtversicherung für Vereine, kurzfristige Risiken und Sonderrisiken (BBR 52) Edition: BBR 52 Ausgabe März 2014 (DOC-639_0325) 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 Uelzener Haftpflichtversicherung für Vereine,
kurzfristige Risiken und Sonderrisiken and available as plain text.
Volltext Uelzener Haftpflichtversicherung für Vereine, kurzfristige Risiken und Sonderrisiken Vereinshaftpflicht · As text (Markdown) Uelzener Haftpflichtversicherung für Vereine, kurzfristige Risiken und Sonderrisiken