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Bernhard Assekuranz kurzfristige Veranstaltungen: the policy wording in full
Kurzfristiger Einzelvertrag für gemeinnützige Veranstalter mit 5 Mio. Euro, Veranstaltungen jeder Art bis 10.000 Besucher, Mietsachschäden an Gebäuden und Umweltschaden, Gastronomie, Zelte und Tiere nur als Zusatz.
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Everything about this policy
What the policy covers: 56 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Bernhard Assekuranz kurzfristige
Veranstaltungen.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit of indemnity for bodily injury and property damage (combined, per occurrence) | yes, up to EUR 5 million | „5.000.000 € pauschal für Personen- und/oder Sachschäden“ | Ziff. 4, page 2 |
| Pure financial loss | yes, up to EUR 300,000 | „300.000 € für Vermögensschäden“ | Ziff. 4, page 2 |
| Annual or per event aggregate limit | yes, up to the sum insured | „Die Versicherungssummen sind je Versicherngsjahr doppelt maximiert.“ | Ziff. 4, page 2 |
| Single event policy for a one-off or short event | yes | „Veranstalter- Haftpflichtversicherung kurzfristiger Einzelvertrag“ | Titel, page 1 |
| Annual policy for recurring events of one organiser | not addressed | ||
| Private celebrations insurable (wedding, birthday, anniversary, garden party) | yes | „Privatfeste, Geburtstagsfeiern“ | Ziff. 3.1, page 1 |
| Maximum number of visitors or participants covered by the tariff | yes | „Großveranstaltungen für 10.000 Besucher und Gäste, Tourneen“ | Ziff. 3.1, page 2 |
| Maximum duration of the event (days) under a single event policy | not addressed | ||
| Set-up, dismantling, preparation and follow-up work included | yes | „Veranstalter-Haftpflicht für die Planung, Vorbereitung, Durchführung und das Proben von …“ | Ziff. 3.1, page 1 |
| Territorial scope (domestic, Europe, worldwide) | yes | „Europa* bezogen aber auf den Ort und die Dauer der angemeldeten und versicherten …“ | Ziff. 7, page 3 |
Insurable events
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Street, village, town, tent and club festivals | yes | „Stadt- und Bürgerfeste, Wein- und Bierfeste, Kinderfeste und Kinderzirkus“ | Ziff. 3.1, page 1 |
| Concerts, including open air and rock or pop concerts | yes | „Konzerte aller Art, Discos, Schaumpartys“ | Ziff. 3.1, page 2 |
| Markets, flea markets, Christmas markets, exhibitions and fairs | yes | „Ausstellungen, Messen, Präsentationen, Floh- und Weihnachtsmärkte, Bazare“ | Ziff. 3.1, page 1 |
| Company parties, staff outings, meetings and congresses | yes | „Betriebsausflüge“ | Ziff. 3.1, page 1 |
| Sports events (runs, tournaments, non-motorised races) | yes | „Sportwettkämpfe“ | Ziff. 3.1, page 1 |
| Dances, balls, discos and ticketed parties | yes | „Tanz- und Theaterveranstaltungen“ | Ziff. 3.1, page 1 |
| Parades, processions and carnival parades | yes | „Umweltaktionen, Umzüge, Festzüge, Paraden“ | Ziff. 3.1, page 1 |
| Children's festivals, holiday programmes and events for children | yes | „Kinderfeste und Kinderzirkus“ | Ziff. 3.1, page 1 |
Facilities and attractions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Tents, stages, grandstands and platforms (erection and use) | yes | „Auf- und Abbau von Zelten, Bühnen, Podien, Tribünen, Ständen, Maibäumen in eigener …“ | Ziff. 3.2, page 2 |
| Bouncy castles and inflatable play equipment | no | „Einsatz und Aufstellen von mobilen Eventsportgeräten (Hüpfburg, Trampolin etc.)“ | Ziff. 6.2, page 3 |
| Fireworks and pyrotechnics | yes | „Risikoerhöhungen wie Feuerwerk, Feuerschlucken, Schrottschweißen“ | Ziff. 3.2, page 2 |
| Serving food and drinks, including alcohol | yes | „Gastronomiebetrieb (Ab- und Ausgabe von Getränken und / oder Speisen in eigener Regie …“ | Ziff. 3.2, page 2 |
| Use of vehicles and machines not requiring registration (up to 6 or 20 km/h) | yes | „Schäden durch den Gebrauch von nicht zulassungs- und nicht versicherungspflichtigen …“ | Ziff. 3.2, page 2 |
| Use of animals (horses, carriages, pony rides, petting zoo) | yes | „Tierhalter-Haftpflicht für Hunde, Pferde, Esel etc. (Umzüge, Kutschfahrten …“ | Ziff. 3.2, page 2 |
| Signs, banners, barriers and safety of paths and car parks | not addressed |
Insured persons
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Personal liability of helpers, stewards and volunteers | yes | „Alle haupt- und freiberuflich, ehren- und nebenamtlich tätigen Personen und …“ | Ziff. 2, page 1 |
| Injuries among helpers and staff (work accidents, recourse of social insurers) | no | „Schadenersatzansprüche von den mitversicherten Mitarbeitern gegen den …“ | Ziff. 6.1, page 3 |
| Liability from hiring contractors (security, stage building, catering) | not addressed | ||
| Liability of artists, musicians and performers on stage | not addressed | ||
| Liability of participants, athletes and exhibitors | yes | „Alle Veranstaltungsteilnehmer, sogar auch für Ansprüche untereinander (mit Ausnahme von …“ | Ziff. 2, page 1 |
| Co-organisers, landowners and municipality as co-insured | no | „Schadenersatzansprüche von mitversicherten Veranstaltern untereinander“ | Ziff. 6.1, page 3 |
Property damage, hired items and environment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Damage to rented rooms, halls and buildings | yes, up to EUR 2 million | „Mietsachschäden, sind Schäden an den gemieteten, gepachteten Gebäuden, Sälen …“ | Ziff. 1, page 1 |
| Damage to hired or borrowed movable items (tents, equipment, furniture) | yes, up to EUR 10,000, excess EUR 50 | „10.000 € für Schäden an gemieteten, geliehenen beweglichen Sachen“ | Ziff. 4, page 2 |
| Damage to grounds, lawns and paths of the venue | not addressed | ||
| Loss of third party keys and access cards (hall, community centre) | not addressed | ||
| Loss of or damage to visitors' cloakroom items | no | „Schäden durch Diebstahl oder Abhandenkommen von Sachen“ | Ziff. 6.1, page 3 |
| Damage to third party property from work on it (handling, use, set-up) | yes, up to EUR 10,000, excess EUR 50 | „10.000 € für Bearbeitungs- und Tätigkeitsschäden“ | Ziff. 4, page 2 |
| Environmental and water pollution liability (generators, fuel) | yes, up to EUR 5 million | „5.000.000 € pauschal für die Umweltbasis-Haftpflicht“ | Ziff. 4, page 2 |
| Public law environmental damage under the environmental liability directive | yes, up to EUR 5 million | „5.000.000 € pauschal für die Umweltschaden- Versicherung“ | Ziff. 4, page 2 |
| Sewage and water damage in third party buildings | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of motorsport, races and driving events | yes | „Schäden infolge Teilnahme an oder Vorbereitung zu Rennen jeder Art, auch Rad-, Ski …“ | Ziff. 6.2, page 2 |
| Exclusion of aircraft, balloons, drones and air shows | yes | „Risiken wie Ballon fahren, Segelfliegen, Sportwettkämpfe von Extremsportarten“ | Ziff. 6.2, page 3 |
| Exclusion of fairground rides, climbing walls, bungee and high risk attractions | yes | „Halfpipes, Kletterwänden oder -parcours“ | Ziff. 6.2, page 3 |
| Excluded event types (festivals, rock concerts, large events above a visitor number) | not addressed | ||
| Exclusion for breach of official conditions, permits or safety rules | not addressed | ||
| Cancellation, abandonment or postponement not covered (separate cancellation cover needed) | not addressed |
Contract, deductible and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim | not addressed | ||
| Higher deductible for damage to rented premises or hired items | EUR 50 | „10% mind. 50 € max. 500 €“ | Ziff. 5, page 2 |
| Deadline before the event (application must be received beforehand) | not addressed | ||
| Policy ends automatically after the event | not addressed | ||
| Premium refund if the event does not take place | not addressed | ||
| Organiser obligations (stewards, first aid, safety concept, permits) | not addressed | ||
| Deadline for notifying a claim | not addressed | ||
| Indemnity of landowner or municipality (contractually assumed liability) | no | „vertraglich übernommene Haftungen, soweit diese über gesetzliche hinausgehen“ | Ziff. 6.1, page 3 |
| Criminal defence costs for the organiser | not addressed | ||
| Discrimination claims, e.g. at entry control | not addressed |
Evaluated by NAMMERT from published policy wordings.
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legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- Bernhard Assekuranz (Assekuradeur, Risikoträger am Text prüfen)
- Distribution
- available through brokers
- Veranstalterhaftpflicht kurzfristige Veranstaltungen, Information (Vertragsgrundlagen AHB 2012 und BBR Veranstaltungen) Edition: Maklerinformation Stand 06/2018 (Grundlage AHB 2012, BBR Veranstaltungen) 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 Bernhard Assekuranz kurzfristige Veranstaltungen and
available as plain text.
Volltext Bernhard Assekuranz kurzfristige Veranstaltungen Veranstaltungshaftpflicht · As text (Markdown) Bernhard Assekuranz kurzfristige Veranstaltungen