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LVM Verbundene Sach-Landwirtschaftsversicherung: the policy wording in full
Verbundene Sach-Landwirtschaftsversicherung nach den VSL 2024 mit Inhalts-, Ertragsausfall- und Gebäudeversicherung gegen Feuer, Einbruchdiebstahl, Leitungswasser, Sturm, Hagel und weitere Naturgefahren; viele Erweiterungen (Kühlgut, Fermentation, Rückwirkungsschäden) als Klauseln 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 LVM Verbundene
Sach-Landwirtschaftsversicherung.
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 | „Versichert sind, sofern vereinbart, folgende beweglichen Sachen (Positionen).“ | Teil B § 1 Nr. 1, page 19 |
| 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 | not addressed | ||
| Direct marketing, farm shop, market stall and processing of own produce included | not addressed | ||
| Farm holidays, letting of rooms and holiday flats, farm café (limit on beds or seats) | not addressed | ||
| Farm energy production included (photovoltaics, biogas, wood chips, grid feed-in) | no | „Nicht versichert sind, soweit nicht etwas anderes vereinbart ist: a) Photovoltaikanlagen;“ | Teil B § 1 Nr. 5, page 19 |
| Personal liability of the farmer, the family and retired former owners included | not addressed | ||
| Automatic cover for new risks and expansion (leased land, new buildings, new branches) until the next declaration | not addressed |
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 | not addressed | ||
| Riding horses, livery horses and draught animals included (number of animals, shared riding, carriage rides) | not addressed | ||
| Product liability for farm produce, extended to mixing, processing and removal and refitting costs | not addressed | ||
| Environmental liability for farm installations (slurry, manure, silage, heating oil and diesel tanks, pesticide store) | not addressed | ||
| Environmental damage cover (public law remediation duty, own soil and waters) | not addressed | ||
| Drift and spraying damage to neighbouring land from pesticides and fertilisers | not addressed | ||
| Tractors, self-propelled machines, trailers and forklifts not subject to registration (speed limit) | not addressed | ||
| Contract work for third parties and damage to third-party property being worked on | not addressed | ||
| Damage to rented, leased or borrowed property (buildings, land, machines) | not addressed | ||
| 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 | not addressed |
Buildings
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured perils for buildings (fire, lightning, explosion, escape of water, storm, hail) | yes | „Der Versicherer leistet Entschädigung für versicherte Sachen gemäß § 1, die durch a) …“ | Teil B § 4, page 24 |
| Further natural hazards (flood, heavy rain, backflow, landslide, earthquake, avalanche) | yes, up to the sum insured | „e) weitere Naturgefahren (Elementargefahren) (siehe § 9) aa) Überschwemmung, Rückstau …“ | Teil B § 4 Nr. 1 e), page 24 |
| Weight of snow and roof avalanches on stables, barns and sheds | yes, up to the sum insured | „Schneedruck ist die Wirkung des Gewichts von Schnee- oder Eismassen. Versichert sind …“ | Teil B § 9 Nr. 4, page 30 |
| Replacement value for farm buildings, actual value rule for old or poorly maintained buildings | yes | „der Zeitwert, falls Versicherung nur zum Zeitwert vereinbart ist oder falls der …“ | Teil C § 15, page 37 |
| 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 …“ | Teil B § 19 Nr. 3, page 39 |
| Waiver of underinsurance or flat sum model (sum derived from area, livestock or building volume) | yes | „Wird die nach dd) ermittelte Versicherungssumme 1914 vereinbart, nimmt der Versicherer …“ | Teil C § 17, page 59 |
| Clearing, demolition and disposal costs including asbestos and contaminated soil | yes, up to the sum insured | „aa) Aufräumungs- und Abbruchkosten;“ | Teil B § 3, page 21 |
| Extra costs due to official requirements (animal welfare, emissions, building law) and price increases | yes, up to the sum insured | „Versicherungsschutz für Mehrkosten durch behördliche Wiederherstellungsbeschränkungen …“ | Teil C § 15, page 37 |
| Surge, short circuit and scorching damage to electrical installations (milking, ventilation, feeding) | yes, up to the sum insured | „Überspannungs-, Überstrom- oder Kurzschlussschäden an elektrischen Einrichtungen und …“ | Teil B § 5, page 25 |
| Photovoltaic and solar thermal systems on roofs included in buildings cover | no | „Nicht versichert sind, soweit nicht etwas anderes vereinbart ist: a) Photovoltaikanlagen;“ | Teil B § 1 Nr. 5, page 19 |
| Farmhouse and house of the retired former owners insurable in the same policy | yes | „Der Zeitwertvorbehalt gilt nicht für versicherte bewohnte Wohngebäude.“ | Teil C § 15, page 57 |
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 Tierbestandes umfasst, soweit nicht anders vereinbart …“ | Teil B § 1 Nr. 1, page 19 |
| 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.“ | Teil B § 5, page 25 |
| 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 | „a) Ernteerzeugnisse, sowie Heu- und Strohschober und Großballenlager auf dem …“ | Teil B § 1 Nr. 1, page 19 |
| Spontaneous combustion of hay and produce, fermentation damage | yes, up to the sum insured | „leistet der Versicherer bis zu der hierfür vereinbarten Entschädigungsgrenze …“ | Klausel VSL / B 050001 / 24, page 69 |
| 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 | „Soweit nicht etwas anderes vereinbart ist, besteht Versicherungsschutz auch für …“ | Teil B § 15 Nr. 3, page 19 |
| Burglary, robbery and vandalism, simple theft of grazing animals, machines and guidance systems | yes, up to the sum insured | „b) Einbruchdiebstahl, Vandalismus nach einem Einbruch sowie Raub (siehe § 6)“ | Teil B § 4 Nr. 1 b), page 24 |
| Spoilage of milk and chilled goods after failure of cooling or power supply | yes, up to the sum insured | „leistet der Versicherer bei Ausfall der öffentlichen Stromversorgung oder bei einem dem …“ | Klausel VSL / B 0500L1 / 24, page 69 |
| Third-party property in custody (boarding animals, borrowed and hired machines, goods stored for others) | yes, up to the sum insured | „Über a) bb) und cc) hinaus ist fremdes Eigentum nur versichert, soweit es seiner Art …“ | Teil B § 1 Nr. 3 b), page 19 |
| Household contents of the farming family included or available as a module | no | „c) Hausrat aller Art;“ | Teil B § 1 Nr. 5, page 19 |
| Glass breakage (building glazing, greenhouse, milking parlour glazing, photovoltaic modules) | yes, up to the sum insured | „3. Kosten für die Gefahr Glasbruch“ | Teil C § 3 Nr. 3; § 11, page 45 |
Business interruption and extra costs
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Business interruption after an insured property loss (loss of income, continuing costs) | yes | „Der Ertragsausfallschaden besteht aus den fortlaufenden Kosten und dem Betriebsgewinn …“ | Teil B § 2, page 20 |
| 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 | yes | „Die Haftzeit beginnt mit Eintritt des Sachschadens. Die Haftzeit beträgt 12 Monate …“ | Teil B § 2, page 21 |
| 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 | yes, up to the sum insured | „Der Versicherer haftet bis zur vereinbarten Entschädigungsgrenze auch für …“ | Klausel VSL / B 0201L1 / 24, page 68 |
| 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 | „Die Entschädigung wird je Versicherungsfall um die vereinbarte Selbstbeteiligung gekürzt.“ | Teil B § 19 Nr. 7, page 40 |
| 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) | yes | „e) getrocknete Ernteerzeugnisse ordnungsgemäß einzulagern und ständig auf …“ | Teil B § 16, page 35 |
| Duty to have electrical installations inspected regularly by a professional (interval in years) | yes | „Der Versicherungsnehmer ist verpflichtet, die elektrische Starkstromanlage aufgrund der …“ | Klausel VSL / B 160208 / 24, page 72 |
| Restriction for vacant, disused or no longer agriculturally used buildings | yes | „cc) nicht genutzte wasserführende Anlagen und Einrichtungen abzusperren, zu entleeren …“ | Teil B § 16, page 36 |
| Duty to notify increase of risk and changes to the farm (new branches, land, animal numbers, change of use) | yes | „Eine Änderung eines gefahrerheblichen Umstandes liegt zum Beispiel dann vor, wenn …“ | Teil A § 10, page 11 |
| Exclusion of wear and tear, corrosion and gradual effects | yes | „a) Nicht versichert sind ohne Rücksicht auf mitwirkende Ursachen Schäden durch Verschleiß.“ | Teil B § 11 Nr. 1, page 28 |
| Deadline and form of the claims notification, report to police or veterinary office | yes | „cc) Er hat Schäden durch strafbare Handlungen gegen das Eigentum unverzüglich der …“ | Teil A § 11, page 12 |
Term and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract term and renewal, notice period | yes | „Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich der Vertrag um …“ | Teil A § 7, page 5 |
| Right of termination after a claim for both parties | yes | „Nach dem Eintritt eines Versicherungsfalles kann jede der Vertragsparteien den …“ | Teil A § 8 Nr. 1, page 10 |
| Adjustment of sums and premium (index-linked value, annual declaration of area and livestock) | yes | „§ 18 Summenanpassung für Positionen ohne Höchstentschädigung“ | Teil B § 18; Teil C § 16, page 6 |
| 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 |
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
- LVM Landwirtschaftlicher Versicherungsverein Münster a.G.
- Distribution
- through tied agents
- Vertragsgrundlagen und weitere Informationen Verbundene Sach-Landwirtschaftsversicherung (VSL 2024) Edition: VSL 2024 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 LVM Verbundene Sach-Landwirtschaftsversicherung and available
as plain text.
Volltext LVM Verbundene Sach-Landwirtschaftsversicherung Hof-Police · As text (Markdown) LVM Verbundene Sach-Landwirtschaftsversicherung Farm cover