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Die Haftpflichtkasse Haftpflichtkasse für einmalige und kurzfristige Veranstaltungen: the policy wording in full
Spezial-Haftpflicht für einmalige und kurzfristige Veranstaltungen mit je drei Tagen Vor- und Nacharbeit, Bewirtung, Vermögensschäden, Schlüsselverlust und Mietsachschäden an Räumen bis 150.000 Euro; Zelte, Tribünen, Feuerwerk und Teilnehmer nur auf Antrag.
German market: tariffs for people living in Germany.
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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 Die Haftpflichtkasse
Haftpflichtkasse für einmalige und kurzfristige Veranstaltungen.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit of indemnity for bodily injury and property damage (combined, per occurrence) | as stated in the policy schedule | ||
| Pure financial loss | yes, up to the sum insured | „Mitversichert ist im Rahmen des Vertrages die gesetzliche Haftpflicht wegen …“ | Ziff. 8, page 6 |
| Annual or per event aggregate limit | not addressed | ||
| Single event policy for a one-off or short event | yes | „aus Festsetzung, Leitung und Überwachung der im Versicherungsschein beschriebenen …“ | Ziff. 1, page 3 |
| Annual policy for recurring events of one organiser | not addressed | ||
| Private celebrations insurable (wedding, birthday, anniversary, garden party) | not addressed | ||
| Maximum number of visitors or participants covered by the tariff | not addressed | ||
| Maximum duration of the event (days) under a single event policy | not addressed | ||
| Set-up, dismantling, preparation and follow-up work included | yes | „einschließlich der in unmittelbarem Zusammenhang stehenden Vor- und Nacharbeiten …“ | Ziff. 1, page 3 |
| Territorial scope (domestic, Europe, worldwide) | not addressed |
Insurable events
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Street, village, town, tent and club festivals | not addressed | ||
| Concerts, including open air and rock or pop concerts | not addressed | ||
| Markets, flea markets, Christmas markets, exhibitions and fairs | not addressed | ||
| Company parties, staff outings, meetings and congresses | not addressed | ||
| Sports events (runs, tournaments, non-motorised races) | not addressed | ||
| Dances, balls, discos and ticketed parties | not addressed | ||
| Parades, processions and carnival parades | yes | „aus dem Risiko der polizeilich / behördlich genehmigten Durchführung / Ausrichtung …“ | Ziff. 12.5, page 8 |
| Children's festivals, holiday programmes and events for children | not addressed |
Facilities and attractions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Tents, stages, grandstands and platforms (erection and use) | yes | „Schäden an bzw. durch anlässlich der Veranstaltung errichteten Tribünen und Zelten“ | Ziff. 9.11, page 7 |
| Bouncy castles and inflatable play equipment | yes | „Versichert ist die gesetzl. Haftpflicht des Versicherungsnehmers als Betreiber einer …“ | Ziff. 12.6, page 8 |
| Fireworks and pyrotechnics | yes | „aus dem Risiko des polizeilich genehmigten Abbrennens eines Feuerwerks durch einen …“ | Ziff. 12.4, page 8 |
| Serving food and drinks, including alcohol | yes | „Eingeschlossen ist die gesetzliche Haftpflicht des Versicherungsnehmers aus der Abgabe …“ | Ziff. 4, page 3 |
| Use of vehicles and machines not requiring registration (up to 6 or 20 km/h) | yes | „selbstfahrende Arbeitsmaschinen und Hub- und Gabelstapler im Sinne des § 3 Abs. 2 Satz …“ | Ziff. 7, page 5 |
| Use of animals (horses, carriages, pony rides, petting zoo) | no | „die Haftpflicht als Halter von Tieren“ | Ziff. 9.9, page 7 |
| 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 | „Mitversichert ist die persönliche gesetzliche Haftpflicht der Angestellten des …“ | Ziff. 2, page 3 |
| Injuries among helpers and staff (work accidents, recourse of social insurers) | no | „Ausgeschlossen sind Haftpflichtansprüche aus Personenschäden, bei denen es sich um …“ | Ziff. 2, page 3 |
| Liability from hiring contractors (security, stage building, catering) | not addressed | ||
| Liability of artists, musicians and performers on stage | no | „die persönliche gesetzliche Haftpflicht der mitwirkenden Personen (z.B. Tanz …“ | Ziff. 9.1, page 6 |
| Liability of participants, athletes and exhibitors | yes | „Mitversicherung der persönlichen Haftpflicht der Teilnehmer“ | Ziff. 12.1, page 7 |
| Co-organisers, landowners and municipality as co-insured | not addressed |
Property damage, hired items and environment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Damage to rented rooms, halls and buildings | yes, up to EUR 150,000, excess EUR 250 | „Die Höchstersatzleistung für Mietsachschäden beträgt im Rahmen der Versicherungssumme …“ | Ziff. 3, page 3 |
| Damage to hired or borrowed movable items (tents, equipment, furniture) | not addressed | ||
| Damage to grounds, lawns and paths of the venue | not addressed | ||
| Loss of third party keys and access cards (hall, community centre) | yes, up to EUR 100,000, excess EUR 100 | „wegen Abhandenkommens von fremden Schlüsseln und Codekarten, soweit diese …“ | Ziff. 5, page 3 |
| Loss of or damage to visitors' cloakroom items | no | „die Beschädigung von ausgestellten oder zur Aufbewahrung (in einer Garderobe oder in …“ | Ziff. 9.3, page 6 |
| Damage to third party property from work on it (handling, use, set-up) | not addressed | ||
| Environmental and water pollution liability (generators, fuel) | yes, up to the sum insured | „Das bedeutet, dass Schäden durch Umwelteinwirkungen, die von der Betriebsstätte des …“ | Ziff. IV, page 8 |
| Public law environmental damage under the environmental liability directive | no | „Ansprüche wegen Umweltschäden gemäß Umweltschadensgesetz (USchadG)“ | Ziff. IV, page 8 |
| Sewage and water damage in third party buildings | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of motorsport, races and driving events | not addressed | ||
| Exclusion of aircraft, balloons, drones and air shows | yes | „Schäden der Reiter sowie von Fahrern/Insassen von Kraft-, Wasser- und Luftfahrzeugen“ | Ziff. 9.7, page 7 |
| Exclusion of fairground rides, climbing walls, bungee and high risk attractions | not addressed | ||
| Excluded event types (festivals, rock concerts, large events above a visitor number) | not addressed | ||
| Exclusion for breach of official conditions, permits or safety rules | yes | „Versicherungsschutz besteht nur, soweit eine gegebenenfalls erforderliche behördliche …“ | Ziff. 1, page 3 |
| 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 250 | „Der Selbstbehalt je Schadenereignis beträgt 250 EUR.“ | Ziff. 3, page 3 |
| 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) | yes | „Versicherungsschutz besteht nur, soweit eine gegebenenfalls erforderliche behördliche …“ | Ziff. 1, page 3 |
| Deadline for notifying a claim | not addressed | ||
| Indemnity of landowner or municipality (contractually assumed liability) | not addressed | ||
| 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
- Die Haftpflichtkasse VVaG
- Distribution
- available through brokers
- Besondere Bedingungen und Risikobeschreibungen (BBR) für einmalige / kurzfristige Veranstaltungen Edition: BBR einmalige / kurzfristige Veranstaltungen, Stand 01/2023 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 Die Haftpflichtkasse Haftpflichtkasse für einmalige und
kurzfristige Veranstaltungen and available as plain text.
Volltext Die Haftpflichtkasse Haftpflichtkasse für einmalige und kurzfristige Veranstaltungen Veranstaltungshaftpflicht · As text (Markdown) Die Haftpflichtkasse Haftpflichtkasse für einmalige und kurzfristige Veranstaltungen