Insurance broker / Environmental liability insurance in Germany (Umwelthaftpflicht) / Policy wording archive Environmental liability
Mannheimer REGNUM Umweltbaustein: the policy wording in full
Zusatzbedingung ZB 8 für öffentlich-rechtliche Sanierungspflichten nach Umweltschadensgesetz zu einem Haftpflichtvertrag, nur plötzliche und unfallartige Ereignisse, 1 Mio. Euro je Fall und Jahr, Grundwasser und eigene Grundstücke eingeschlossen.
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Everything about this policy
What the policy covers: 61 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Mannheimer REGNUM Umweltbaustein.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for environmental liability (third party civil claims) per claim | not addressed | ||
| Sum insured for environmental damage (public law remediation duty) per claim | yes, up to EUR 1 million | „Die Höchstersatzleistung beträgt innerhalb der vertraglichen Versicherungssumme je …“ | Ziff. 2.3, page 1 |
| Annual aggregate limit | yes, up to EUR 1 million | „begrenzt auf EUR 1.000.000,00 für alle Versicherungsfälle eines Versicherungsjahres.“ | Ziff. 2.3, page 1 |
| Available as a standalone policy | no | „Mitversichert sind abweichend von Ziff. 1.1 AHB in der jeweils vereinbarten Fassung …“ | Ziff. 1.1, page 1 |
| Underlying model wording (GDV, VVO or Spanish environmental pool) | not addressed | ||
| Deductible per claim | not addressed | ||
| Territorial scope | yes | „im Geltungsbereich der EU-Umwelthaftungsrichtlinie (2004/35/EG) eintretende …“ | Ziff. 3, page 1 |
| Suitable as statutory financial security | not addressed |
Insured installations and risks
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Storage installations for hazardous substances | not addressed | ||
| Installations listed in the environmental liability annex | not addressed | ||
| Other installations requiring a permit or notification | not addressed | ||
| Waste water installations and discharges | no | „die durch gewerbliche Abwässer von unterirdischen Abwasseranlagen ausgehen.“ | Ziff. 2.2 b), page 1 |
| Environmental product risk: design, supply, installation and maintenance of installations for others | not addressed | ||
| Residual environmental risk | not addressed | ||
| Transport of hazardous substances and waste | not addressed | ||
| Automatic cover for new installations | not addressed | ||
| Only installations declared in the schedule are insured | not addressed |
Environmental liability (third party claims)
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Bodily injury and property damage caused by environmental impact | not addressed | ||
| Financial loss caused by environmental impact | not addressed | ||
| Cover for strict liability | not addressed | ||
| Gradual pollution (not only sudden and accidental) | not addressed | ||
| Pre-loss rescue and mitigation costs | not addressed | ||
| Damage to the policyholder's own land and water | not addressed | ||
| Defence against unfounded claims and legal costs | not addressed |
Environmental damage cover (remediation duty)
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Damage to protected species and natural habitats | yes, up to the sum insured | „Schädigung von geschützten Arten und natürlichen Lebensräumen,“ | Ziff. 1.2, page 1 |
| Damage to water | yes, up to the sum insured | „Schädigung der Gewässer einschließlich Grundwasser,“ | Ziff. 1.2, page 1 |
| Damage to land | yes, up to the sum insured | „Schädigung des Bodens.“ | Ziff. 1.2, page 1 |
| Environmental damage on own, rented or leased land | yes, up to the sum insured | „Pflichten oder Ansprüche wegen Umweltschäden an eigenen, gemieteten, geleasten …“ | Ziff. 1.2, page 1 |
| Damage to groundwater and water on own premises | yes, up to the sum insured | „Schädigung der Gewässer einschließlich Grundwasser,“ | Ziff. 1.2, page 1 |
| Primary remediation | not addressed | ||
| Complementary and compensatory remediation | not addressed | ||
| Prevention costs in case of imminent threat | not addressed | ||
| Authority, expert and procedural costs | not addressed | ||
| Cover for environmental damage in other EU states | yes, up to the sum insured | „auch für Pflichten oder Ansprüche gemäß nationalen Umsetzungsgesetzen anderer …“ | Ziff. 3, page 1 |
| Cover beyond the statutory scope | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of damage from normal operation | yes | „die durch unvermeidbare, notwendige oder in Kauf genommene Einwirkungen auf die Umwelt …“ | Ziff. 2.2 a), page 1 |
| Exclusion for deliberate breach of laws or permits | yes | „dass sie bewusst von Gesetzen, Verordnungen oder an den Versicherungsnehmer gerichteten …“ | Ziff. 2.1, page 1 |
| Exclusion of pre-existing or known contamination | not addressed | ||
| Exclusion for neglected maintenance | not addressed | ||
| Exclusion of genetically modified organisms | not addressed | ||
| Exclusion of landfills and waste disposal sites | not addressed | ||
| Exclusion of asbestos | not addressed | ||
| Exclusion of climate damage and greenhouse gases | not addressed | ||
| Exclusion of fines and punitive damages | not addressed | ||
| Exclusion of force majeure | not addressed |
Obligations and trigger
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Definition of the insured event | not addressed | ||
| Retroactive cover | not addressed | ||
| Extended reporting period after expiry | not addressed | ||
| Duty of regular inspection and maintenance | not addressed | ||
| Duty to notify changes | not addressed | ||
| Claim notification deadline | not addressed | ||
| Duty to provide an environmental risk analysis | not addressed | ||
| Benefit reduction for grossly negligent breach | not addressed |
Contract and premium
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Premium basis | not addressed | ||
| Minimum term and automatic renewal | not addressed | ||
| Cancellation right after a claim | not addressed | ||
| Premium adjustment clause | not addressed | ||
| Best performance or update clause | not addressed |
Spain specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Risk placed in the Spanish environmental co-insurance pool | not addressed | ||
| Reference to the Consorcio environmental compensation fund | not addressed | ||
| Civil pollution liability in the same policy | 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
- Mannheimer Versicherung Aktiengesellschaft
- Distribution
- not known
- REGNUM Bedingungen hp 013 Edition: ZB 8 Umweltschadensgesetz 2010, Stand 01.07.2010 (HP_013_0715) 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 Mannheimer REGNUM Umweltbaustein and available as plain text.
Volltext Mannheimer REGNUM Umweltbaustein Umwelthaftpflicht · As text (Markdown) Mannheimer REGNUM Umweltbaustein Environmental liability