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Mecklenburgische Landwirtschaft Grunddeckung: the policy wording in full
Grunddeckung der landwirtschaftlichen Betriebshaftpflicht mit 3, 5 oder 10 Mio. Euro pauschal, Direktvermarktung, Umwelt-Haftpflicht-Basis und Privathaftpflicht; Photovoltaik und Vermietung an Feriengäste sind nicht enthalten.
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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 Mecklenburgische Landwirtschaft
Grunddeckung.
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 Betriebshaftpflicht-Versicherung ist ein Baustein unseres ganzheitlichen …“ | page 1 |
| 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 | yes, up to the sum insured | „Direktvermarktung eigener landwirtschaftlicher Erzeugnisse ab Hof / Feld oder auf …“ | page 2 |
| Farm holidays, letting of rooms and holiday flats, farm café (limit on beds or seats) | yes, up to EUR 5,000 | „Beherbergung von Feriengästen: Schäden aus der Verwahrung von Gästeeigentum bis 5.000 € …“ | page 2 |
| Farm energy production included (photovoltaics, biogas, wood chips, grid feed-in) | no | „Betrieb von Photovoltaikanlagen nein VSu“ | page 2 |
| Personal liability of the farmer, the family and retired former owners included | yes, up to the sum insured | „Privat-Haftpflichtversicherung des Betriebsinhabers, des Ehe-/Lebenspartner, der im …“ | page 2 |
| 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 | yes, up to EUR 10 million | „Je nach Bedarf stehen 3, 5 oder 10 Mio. Euro pauschal für Personen-, Sach- und …“ | page 1 |
| Keeper's liability for livestock including escaped grazing animals and unwanted mating | yes, up to the sum insured | „Haltung von Nutz- und Zuchttieren (keine Reitpferde) VSu VSu“ | page 2 |
| 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 | yes, up to the sum insured | „Konventionelle Produkthaftpflicht (Personen- und Sachschäden durch Produkte) VSu VSu“ | page 2 |
| Environmental liability for farm installations (slurry, manure, silage, heating oil and diesel tanks, pesticide store) | yes, up to the sum insured | „Lagerung von Sickersäften, Jauche, Gülle (außer Lagunen) und Flüssigdünger bis 3 Mio …“ | page 2 |
| Environmental damage cover (public law remediation duty, own soil and waters) | yes, up to the sum insured | „Bei Bedarf können Sie die Umwelt-Schaden-Kasko, die Gewahrsamschadendeckung mit“ | page 1 |
| 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) | yes, up to EUR 500,000 | „Mietsachschäden durch Feuer oder Leitungswasser an Betriebsgebäuden / -räumen bis …“ | page 2 |
| 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) | 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 | „Umwelt-Haftpflicht-Basis: (Selbstbeteiligung 10 %, mind. 50 €, max. 2.500 €)“ | page 2 |
| 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) | not addressed | ||
| 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 | not addressed | ||
| 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 | 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.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- Mecklenburgische Versicherungs-Gesellschaft auf Gegenseitigkeit
- Distribution
- brokers and direct
- Kundeninformation Haftpflichtversicherung Landwirtschaft (Grunddeckung und Erweiterungspaket) Edition: VF1120.0225b.01.26 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 Mecklenburgische Landwirtschaft Grunddeckung and available as
plain text.
Volltext Mecklenburgische Landwirtschaft Grunddeckung Hof-Police · As text (Markdown) Mecklenburgische Landwirtschaft Grunddeckung Farm cover