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Die Haftpflichtkasse für landwirtschaftliche Betriebe: the policy wording in full
Betriebshaftpflicht für landwirtschaftliche Betriebe mit Produkt-, Gewässerschaden- und Umweltschadensrisiko, Ferien auf dem Bauernhof bis 10 Betten und eingeschlossener Familien-Privathaftpflicht; Gewahrsamsschäden, Pensionspferde und Maschinen zur Lohnarbeit nur nach Vereinbarung.
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Everything about this policy
What the policy covers: 64 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Die Haftpflichtkasse für
landwirtschaftliche Betriebe.
Basics and insured farm
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form: bundled policy with selectable modules (liability, buildings, contents, loss of income) or separate contracts | yes | „Die gegenseitigen Rechte und Pflichten aus diesem Vertrag sowie Inhalt und Umfang des …“ | A 1.2, page 3 |
| Insured types of farming (arable, grassland, livestock, special crops, viticulture, forestry as a sideline) | yes | „des Versicherungsnehmers aus seinen sich aus der Unternehmensbeschreibung gemäß …“ | A 5.2, page 7 |
| Sideline businesses and activities included (contract work, machinery ring, winter service, municipal work), turnover or share limit | yes, up to the sum insured | „Mitversichert gilt die gesetzliche Haftpflicht aus der Tätigkeit von …“ | B 1.10, page 20 |
| Direct marketing, farm shop, market stall and processing of own produce included | yes, up to the sum insured | „Mitversichert ist die gesetzliche Haftpflicht aus dem Verkauf eigener …“ | B 1.4, page 20 |
| Farm holidays, letting of rooms and holiday flats, farm café (limit on beds or seats) | yes, up to the sum insured | „Mitversichert ist die gesetzliche Haftpflicht aus der Beherbergung von Feriengästen …“ | B 1.6, page 20 |
| Farm energy production included (photovoltaics, biogas, wood chips, grid feed-in) | yes, up to the sum insured | „Eingeschlossen ist die gesetzliche Haftpflicht als Inhaber von - Blockheizkraftwerken …“ | B 1.11, page 21 |
| Personal liability of the farmer, the family and retired former owners included | yes, up to the sum insured | „Für den Betreiber / Inhaber besteht während der Laufzeit der vorliegenden …“ | F, page 32 |
| Automatic cover for new risks and expansion (leased land, new buildings, new branches) until the next declaration | yes, up to the sum insured | „Für Risiken, die für den Versicherungsnehmer nach Abschluss der Versicherung neu …“ | A 1.7, page 4 |
Farm liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for bodily injury, property damage and financial loss | yes, up to the sum insured | „Die Versicherungssumme je Versicherungsfall für nach den Vertragsteilen A., B. und C …“ | A 2.1.1, page 5 |
| Keeper's liability for livestock including escaped grazing animals and unwanted mating | yes, up to the sum insured | „dem Halten, Hüten und Verwenden von Tieren zu eigenen landwirtschaftlichen Zwecken (z …“ | B 1.9.1, page 21 |
| Riding horses, livery horses and draught animals included (number of animals, shared riding, carriage rides) | yes, up to EUR 20,000, excess EUR 250 | „dem Halten, Hüten und Verwenden von Tieren zu nicht landwirtschaftlichen Zwecken (z. B …“ | B 2.3.1, page 21 |
| Product liability for farm produce, extended to mixing, processing and removal and refitting costs | yes, up to the sum insured | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers für Personen …“ | C 1.1, page 24 |
| Environmental liability for farm installations (slurry, manure, silage, heating oil and diesel tanks, pesticide store) | yes, up to EUR 3 million | „aus der Lagerung von Sickersäften aus Silos sowie von Jauche und Gülle, wenn das …“ | D 2.2, page 29 |
| Environmental damage cover (public law remediation duty, own soil and waters) | yes, up to EUR 3 million | „Versichert ist – sofern im Versicherungsschein keine hiervon abweichenden, gesonderten …“ | E, page 31 |
| Drift and spraying damage to neighbouring land from pesticides and fertilisers | yes, up to the sum insured | „Mitversichert ist die gesetzliche Haftpflicht aus der Verwendung von Pflanzenschutz …“ | B 1.1, page 20 |
| Tractors, self-propelled machines, trailers and forklifts not subject to registration (speed limit) | yes, up to the sum insured | „selbstfahrende Arbeitsmaschinen und Hub- und Gabelstapler im Sinne des § 3 Abs. 2 Satz …“ | A 7.13.1, page 13 |
| Contract work for third parties and damage to third-party property being worked on | yes, up to EUR 100,000 | „Die Versicherungssumme für Tätigkeitsschäden ist im Rahmen der Versicherungssumme für …“ | A 7.7, page 11 |
| Damage to rented, leased or borrowed property (buildings, land, machines) | yes, up to EUR 3 million | „Die Höchstersatzleistung für Mietsachschäden beträgt im Rahmen der Versicherungssumme …“ | A 7.12.2, page 12 |
| Claims by family members working on the farm, temporary staff and harvest workers, claims between insured persons | yes, up to the sum insured | „auch Haftpflichtansprüche mitversicherter Personen untereinander wegen 1 …“ | A 7.6, page 10 |
| Exclusion of damage caused by genetically modified organisms | yes | „wegen Schäden infolge von Eigenschaften eines Organismus, die auf gentechnischen …“ | A 8.10, page 19 |
Buildings
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured perils for buildings (fire, lightning, explosion, escape of water, storm, hail) | not addressed | ||
| Further natural hazards (flood, heavy rain, backflow, landslide, earthquake, avalanche) | not addressed | ||
| Weight of snow and roof avalanches on stables, barns and sheds | not addressed | ||
| Replacement value for farm buildings, actual value rule for old or poorly maintained buildings | not addressed | ||
| Rebuilding: time limit, rebuilding elsewhere or in a different design, indemnity without rebuilding | not addressed | ||
| Waiver of underinsurance or flat sum model (sum derived from area, livestock or building volume) | not addressed | ||
| Clearing, demolition and disposal costs including asbestos and contaminated soil | not addressed | ||
| Extra costs due to official requirements (animal welfare, emissions, building law) and price increases | not addressed | ||
| Surge, short circuit and scorching damage to electrical installations (milking, ventilation, feeding) | not addressed | ||
| Photovoltaic and solar thermal systems on roofs included in buildings cover | not addressed | ||
| Farmhouse and house of the retired former owners insurable in the same policy | not addressed |
Contents, stock and animals
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured contents: dead stock (machines, implements, equipment) and livestock in one sum or separately | not addressed | ||
| Animals insured against fire, lightning, electrocution and storm, also on pasture | not addressed | ||
| Suffocation and heat death of animals after failure of ventilation or climate control | not addressed | ||
| Harvested produce and stock (hay, straw, grain, feed, fertiliser), also in clamps, bunker silos and outdoors | not addressed | ||
| Spontaneous combustion of hay and produce, fermentation damage | not addressed | ||
| Machines and implements at replacement value, age limit or depreciation scale | not addressed | ||
| Cover away from the farmstead: contents, animals and stock on fields, pastures, third-party land and in transit | not addressed | ||
| Burglary, robbery and vandalism, simple theft of grazing animals, machines and guidance systems | not addressed | ||
| Spoilage of milk and chilled goods after failure of cooling or power supply | not addressed | ||
| Third-party property in custody (boarding animals, borrowed and hired machines, goods stored for others) | not addressed | ||
| Household contents of the farming family included or available as a module | not addressed | ||
| Glass breakage (building glazing, greenhouse, milking parlour glazing, photovoltaic modules) | not addressed |
Business interruption and extra costs
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Business interruption after an insured property loss (loss of income, continuing costs) | not addressed | ||
| Sum insured or flat amount for business interruption (share of property sum, amount per animal place or hectare) | not addressed | ||
| Indemnity period for business interruption in months | not addressed | ||
| Extra costs to keep the farm running (replacement housing, contractors, relief workers, feed purchase, animal accommodation) | not addressed | ||
| Failure of power or water supply and losses at suppliers or buyers (dairy, abattoir) included | not addressed | ||
| Loss of income from animal disease and official restriction included in the policy (otherwise a separate livestock income policy) | not addressed | ||
| Time excess (waiting days) in business interruption | not addressed |
Excess, exclusions and duties
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Excess per claim (liability and property sections) | yes | „Bis zur Höhe eines vereinbarten Selbstbehaltes beteiligt sich der Versicherungsnehmer …“ | A 3.1, page 6 |
| No reduction for grossly negligent causation of the loss (up to what loss amount) | not addressed | ||
| Contractual safety rules (smoking ban, extinguishers, hay temperature checks, parking of machines, welding) | not addressed | ||
| Duty to have electrical installations inspected regularly by a professional (interval in years) | not addressed | ||
| Restriction for vacant, disused or no longer agriculturally used buildings | not addressed | ||
| Duty to notify increase of risk and changes to the farm (new branches, land, animal numbers, change of use) | yes | „Der Versicherungsnehmer ist verpflichtet, auf Aufforderung des Versicherers – die auch …“ | A 1.7, page 4 |
| Exclusion of wear and tear, corrosion and gradual effects | not addressed | ||
| Deadline and form of the claims notification, report to police or veterinary office | not addressed |
Term and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract term and renewal, notice period | yes | „Der Vertrag verlängert sich von Jahr zu Jahr, wenn er nicht spätestens drei Monate vor …“ | A 1.1, page 3 |
| Right of termination after a claim for both parties | not addressed | ||
| Adjustment of sums and premium (index-linked value, annual declaration of area and livestock) | not addressed | ||
| Future improvements in cover apply automatically to existing contracts (innovation clause) | not addressed | ||
| Farm handover, inheritance, leasing out and closure: transfer or end of the contract | yes | „Endet der Versicherungsvertrag allein aus Gründen der endgültigen und völligen …“ | A 1.8, page 4 |
| Spain: extraordinary risks via the Consorcio de Compensación de Seguros (flood, wind above 120 km/h, earthquake), surcharge and excess | 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 für landwirtschaftliche Betriebe Edition: 01/2026 Original from the insurer (PDF, German)
- Deckungsübersicht Betriebshaftpflicht Landwirte Edition: 01.07.2018 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 für landwirtschaftliche Betriebe and
available as plain text.
Volltext Die Haftpflichtkasse für landwirtschaftliche Betriebe Hof-Police · As text (Markdown) Die Haftpflichtkasse für landwirtschaftliche Betriebe Farm cover