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Itzehoer Landwirtschaftsversicherung Basis: the policy wording in full
Landwirtschaftliche Gebäude- und Inhaltsversicherung nach den ABL 2025 in der BASIS-Deckung gegen Feuer, Leitungswasser, Sturm, Hagel und Einbruchdiebstahl, dazu Betriebshaftpflicht nach den AHB 2020 mit Umwelthaftpflicht-Basis und Privathaftpflicht; Verzicht auf den Einwand der groben Fahrlässigkeit im Gebäude bis 10.000 Euro.
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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 Itzehoer
Landwirtschaftsversicherung Basis.
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 | „Bei den Versicherungen gemäß a), b), c) und d) handelt es sich um rechtlich …“ | ABL 2025 § 1, page 6 |
| Insured types of farming (arable, grassland, livestock, special crops, viticulture, forestry as a sideline) | not addressed | ||
| Sideline businesses and activities included (contract work, machinery ring, winter service, municipal work), turnover or share limit | yes, up to the sum insured | „2.9 aus solchen Nebenbetrieben, die für die Land- und Forstwirtschaft“ | BBR I 2.9, page 12 |
| Direct marketing, farm shop, market stall and processing of own produce included | yes, up to the sum insured | „a) Verkauf eigener und fremder land- und forstwirtschaftlicher Erzeugnisse“ | BBR I 2.9, page 12 |
| Farm holidays, letting of rooms and holiday flats, farm café (limit on beds or seats) | yes, up to the sum insured | „2.11 aus der Abgabe von bis maximal 10 Zimmern oder 5 Ferienwohnungen“ | BBR I 2.11, page 12 |
| Farm energy production included (photovoltaics, biogas, wood chips, grid feed-in) | yes, up to the sum insured | „schließlich aus einer Photovoltaikanlage bis zu 500 kWp auf seinem“ | BBR I 1.1.8, page 11 |
| Personal liability of the farmer, the family and retired former owners included | yes, up to the sum insured | „Versicherungsnehmer (Betriebsinhaber) und den Altenteiler in 1. und 2.“ | BBR; Abschnitt D I, page 15 |
| Automatic cover for new risks and expansion (leased land, new buildings, new branches) until the next declaration | yes, up to the sum insured | „Versicherung neu entstehen (Vorsorgeversicherung) und die in § 4 näher gere“ | AHB 2020 § 3; § 4, page 5 |
Farm liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for bodily injury, property damage and financial loss | not addressed | ||
| Keeper's liability for livestock including escaped grazing animals and unwanted mating | yes, up to the sum insured | „2.1 aus Halten und Hüten und Verwenden von Nutztieren (auch Zuchtpferde,“ | BBR I 2.1, page 12 |
| Riding horses, livery horses and draught animals included (number of animals, shared riding, carriage rides) | yes, up to the sum insured | „1.2.1.1 aus dem Halten von Pferden;“ | BBR IV 1.2, page 18 |
| Product liability for farm produce, extended to mixing, processing and removal and refitting costs | yes, up to the sum insured | „III. Erweiterte Produkthaftpflicht“ | BBR III, page 1 |
| Environmental liability for farm installations (slurry, manure, silage, heating oil and diesel tanks, pesticide store) | yes, up to the sum insured | „(Umwelthaftpflicht-Basisversicherung Land- und Forstwirtschaft)“ | BBR VI, page 1 |
| Environmental damage cover (public law remediation duty, own soil and waters) | yes, up to the sum insured | „VIII. Umweltschadenversicherung (USV)“ | BBR VIII, page 1 |
| Drift and spraying damage to neighbouring land from pesticides and fertilisers | yes, up to the sum insured | „2.14 aus der Verwendung von Pflanzenschutz-, Schädlingsbekämpfungs-“ | BBR I 2.14, page 13 |
| Tractors, self-propelled machines, trailers and forklifts not subject to registration (speed limit) | yes, up to the sum insured | „Hub- und Gabelstapler) mit nicht mehr als 20 km/h bauartbedingter“ | BBR I 2.8, page 12 |
| Contract work for third parties and damage to third-party property being worked on | yes, up to EUR 250,000, excess EUR 1,000 | „2.13 wegen Schäden durch Bearbeitung fremder Sachen (Tätigkeitsschäden).“ | BBR I 2.13, page 12 |
| Damage to rented, leased or borrowed property (buildings, land, machines) | yes, up to the sum insured | „sind im Rahmen und Umfang der Gewahrsamschäden mitversichert.“ | BBR I 2.17, page 13 |
| Claims by family members working on the farm, temporary staff and harvest workers, claims between insured persons | not addressed | ||
| Exclusion of damage caused by genetically modified organisms | yes | „13.2 gentechnisch veränderte Organismen (GVO);“ | AHB 2020 § 7 Nr. 13, page 7 |
Buildings
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured perils for buildings (fire, lightning, explosion, escape of water, storm, hail) | yes | „Implosion, Luftfahrzeuge), Leitungswasser, Sturm, Hagel und Einbruchdiebstahl.“ | Verbraucherinformation; ABL 2025 § 1, page 4 |
| Further natural hazards (flood, heavy rain, backflow, landslide, earthquake, avalanche) | no | „a) ohne Rücksicht auf mitwirkende Ursachen Schäden durch weitere Elementargefahren …“ | ABL 2025 § 2 Nr. 7, page 6 |
| Weight of snow and roof avalanches on stables, barns and sheds | no | „a) ohne Rücksicht auf mitwirkende Ursachen Schäden durch weitere Elementargefahren …“ | ABL 2025 § 2 Nr. 7, page 6 |
| Replacement value for farm buildings, actual value rule for old or poorly maintained buildings | yes | „d) der Zeitwert, falls Versicherung nur zum Zeitwert vereinbart ist oder falls der …“ | ABL 2025 § 12, page 13 |
| Rebuilding: time limit, rebuilding elsewhere or in a different design, indemnity without rebuilding | yes | „einen Anspruch nur, soweit und sobald er innerhalb von drei Jahren nach Eintritt des …“ | ABL 2025 § 14, page 14 |
| Waiver of underinsurance or flat sum model (sum derived from area, livestock or building volume) | yes | „Wird die nach aa) bis cc) ermittelte Versicherungssumme 1914 vereinbart, nimmt der …“ | ABL 2025 § 14, page 15 |
| Clearing, demolition and disposal costs including asbestos and contaminated soil | yes, up to the sum insured | „Der Versicherer ersetzt bis zu der hierfür vereinbarten Versicherungssumme die infolge …“ | ABL 2025 § 10 Nr. 1, page 11 |
| Extra costs due to official requirements (animal welfare, emissions, building law) and price increases | yes, up to the sum insured | „Mehrkosten durch behördliche Wiederherstellungsbeschränkungen; Mehrkosten durch …“ | ABL 2025 § 10, page 11 |
| Surge, short circuit and scorching damage to electrical installations (milking, ventilation, feeding) | yes, up to the sum insured | „In Erweiterung zu § 2 Nr. 3 ABL 2025 leistet der Versicherer Entschädigung für …“ | Klausel 3111.1 (2025), page 26 |
| 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 | yes | „Betriebe - Wirtschaftsgebäude und deren Inhalt sowie Wohngebäude“ | ABL 2025, page 1 |
Contents, stock and animals
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured contents: dead stock (machines, implements, equipment) and livestock in one sum or separately | yes | „Die Versicherung des Tierbestands umfasst, soweit nicht anders vereinbart …“ | ABL 2025 § 7.1 Nr. 2.4, page 9 |
| Animals insured against fire, lightning, electrocution and storm, also on pasture | yes, up to the sum insured | „Für versicherte Tiere wird auch Entschädigung für Tod durch Stromschlag geleistet.“ | ABL 2025 § 2, page 6 |
| 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 | yes, up to the sum insured | „Bewegliche Sachen umfassen auch die noch nicht geernteten Bodenerzeugnisse. Ausgenommen …“ | ABL 2025 § 7.1 Nr. 2.3, page 9 |
| Spontaneous combustion of hay and produce, fermentation damage | yes, up to the sum insured | „In Erweiterung zu § 2 ABL 2025 sind Fermentationsschäden an Ernteerzeugnissen …“ | Klausel 3105 (2025), page 26 |
| 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 | yes, up to the sum insured | „In der Feuerversicherung (siehe § 2) besteht für bewegliche Sachen (Inventar) …“ | ABL 2025 § 9, page 11 |
| Burglary, robbery and vandalism, simple theft of grazing animals, machines and guidance systems | yes, up to the sum insured | „d) Einbruchdiebstahl (§ 5 Einbruchdiebstahlversicherung).“ | ABL 2025 § 1; § 5, page 6 |
| 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) | yes, up to the sum insured | „Über Nr. 2.1 b) und c) hinaus ist fremdes Eigentum nur aufgrund besonderer Vereinbarung …“ | ABL 2025 § 7.1 Nr. 3, page 10 |
| Household contents of the farming family included or available as a module | no | „g) Hausrat aller Art;“ | ABL 2025 § 7.1, page 10 |
| 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) | yes | „ersetzt der Versicherer die dadurch in dem Betrieb des Versicherungsnehmers …“ | ABL 2025 § 8 Nr. 1, page 10 |
| Sum insured or flat amount for business interruption (share of property sum, amount per animal place or hectare) | yes, up to the sum insured | „Der Versicherer leistet Entschädigung bis zur vereinbarten Versicherungssumme.“ | ABL 2025 § 8 Nr. 7.1, page 11 |
| Indemnity period for business interruption in months | yes | „Der Versicherer haftet für die Mehrkosten und, soweit vereinbart, für den …“ | ABL 2025 § 8 Nr. 6, page 11 |
| Extra costs to keep the farm running (replacement housing, contractors, relief workers, feed purchase, animal accommodation) | yes, up to the sum insured | „Mehrkosten sind alle Kosten, die im Betrieb des Versicherungsnehmers normalerweise …“ | ABL 2025 § 8 Nr. 2.1, page 10 |
| 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 | „Der bedingungsgemäß als entschädigungspflichtig errechnete Betrag wird je …“ | Klausel 1714 (2025), page 25 |
| No reduction for grossly negligent causation of the loss (up to what loss amount) | yes, up to EUR 10,000 | „wird auf den Einwand der groben Fahrlässigkeit und auf eine Leistungskürzung bis zu …“ | Klausel 1399.1 (2025), page 25 |
| Contractual safety rules (smoking ban, extinguishers, hay temperature checks, parking of machines, welding) | yes | „n) getrocknete Ernteerzeugnisse ordnungsgemäß einzulagern und ständig auf …“ | ABL 2025 § 17, page 16 |
| Duty to have electrical installations inspected regularly by a professional (interval in years) | yes | „Der Versicherungsnehmer hat die elektrischen Anlagen regelmäßig durch einen …“ | Klausel 3609 (2025), page 26 |
| Restriction for vacant, disused or no longer agriculturally used buildings | yes | „h) nicht genutzte wasserführende Anlagen und Einrichtungen abzusperren, zu entleeren …“ | ABL 2025 § 17, page 16 |
| Duty to notify increase of risk and changes to the farm (new branches, land, animal numbers, change of use) | yes | „Eine anzeigepflichtige Gefahrerhöhung gemäß § 29 Nr. 1 a) kann insbesondere dann …“ | ABL 2025 § 18, page 17 |
| Exclusion of wear and tear, corrosion and gradual effects | not addressed | ||
| Deadline and form of the claims notification, report to police or veterinary office | yes | „ee) Schäden durch strafbare Handlungen gegen das Eigentum unverzüglich der Polizei …“ | ABL 2025 § 28, page 20 |
Term and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract term and renewal, notice period | yes | „Die Kündigung muss spätestens drei Monate vor dem Ablauf dem Vertragspartner zugegangen …“ | Verbraucherinformation; ABL 2025 § 22.1, page 5 |
| Right of termination after a claim for both parties | yes | „Nach dem Eintritt eines Versicherungsfalls kann jede der Vertragsparteien den …“ | ABL 2025 § 35, page 22 |
| Adjustment of sums and premium (index-linked value, annual declaration of area and livestock) | yes | „a) soweit Versicherung zum gleitenden Neuwert vereinbart ist, der ortsübliche …“ | ABL 2025 § 12; § 13.1, page 12 |
| 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 | not addressed | ||
| Spain: extraordinary risks via the Consorcio de Compensación de Seguros (flood, wind above 120 km/h, earthquake), surcharge and excess | not addressed |
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Policy wordings and provider
- Legal entity
- Itzehoer Versicherung/Brandgilde von 1691 Versicherungsverein auf Gegenseitigkeit
- Distribution
- brokers and direct
- Verbraucherinformationen für Landwirtschaftliche Gebäude- und Inhaltsversicherungen (ABL 2025) Edition: ABL 2025, Ausgabe 01/25 Original from the insurer (PDF, German)
- Verbraucherinformationen für landwirtschaftliche Betriebshaftpflicht- und Bodenkaskoversicherungen (AHB 2020) Edition: AHB 2020, Ausgabe 09/20 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 Itzehoer Landwirtschaftsversicherung Basis and available as
plain text.
Volltext Itzehoer Landwirtschaftsversicherung Basis Hof-Police · As text (Markdown) Itzehoer Landwirtschaftsversicherung Basis Farm cover