Insurance broker / Nursery and kindergarten insurance / Policy wording archive Nursery insurance
ARAG Kita- und Schulfördervereine Plus: the policy wording in full
Gruppenvertrag für Kita- und Schulfördervereine im BSFV mit 10 Mio. Euro Vereinshaftpflicht, Rechtsschutz und Vertrauensschaden; Kinderunfall nur als Zusatz.
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Everything about this policy
What the policy covers: 65 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for ARAG Kita- und Schulfördervereine
Plus.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit of indemnity per occurrence (combined) | yes, up to EUR 10 million | „Für Personen- und Sachschäden je Ereignis: 10.000.000 Euro pauschal“ | B.1. I. 5.1, page 8 |
| Annual aggregate per insurance year | not addressed | ||
| Standard deductible per occurrence | none | „Die Selbstbeteiligung gemäß § 3 II. 3 AVB ist gestrichen.“ | B.1. I. 3, page 7 |
| Territory (domestic, Europe, worldwide; trips abroad) | yes | „Der Versicherungsschutz besteht im In- und Ausland, sofern in den speziellen …“ | A. I. 1, page 3 |
| Insured facility types (crèche, nursery, kindergarten, after-school care, playgroup) | yes | „der Vereinszweck die Förderung der Bildung und Erziehung der Kinder und Jugendlichen …“ | A. I. 1.1, page 3 |
| Insured operator forms (association, parent initiative, non-profit company, church or independent operator, workplace nursery) | yes | „Die Mitgliedschaft wird Schulförder-, Kitaförder-, Eltern- und Schulträgervereinen …“ | Vorwort, page 1 |
| Personal liability of management, educators and assistants included | yes | „alle Angestellten und Arbeiter, Honorarkräfte, Mitarbeiter gegen Vergütung, Teilnehmer …“ | A. II. 1.3, page 4 |
| Parents, volunteers, interns and temporary helpers covered | yes | „alle vom BSFV oder einer Organisation im BSFV zur Durchführung versicherter …“ | A. II. 1.5, page 4 |
| Board and officers of the operating association covered | yes | „Als Funktionsträger in diesem Sinne gelten alle Mitglieder, die den satzungsgemäß …“ | A. II. 1.2, page 4 |
| Pure financial loss to third parties | yes, up to EUR 50,000 | „Für Vermögensschäden je Verstoß: 50.000 Euro“ | B.1. I. 5.1, page 8 |
Care and supervision
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Breach of the duty of supervision expressly covered | not addressed | ||
| Damage caused by children in care to third parties, including children below the age of liability | not addressed | ||
| Bodily injury to children in care (operator liability, recourse of the statutory accident insurer) | not addressed | ||
| Damage between children in care | not addressed | ||
| Damage to children's belongings (clothing, glasses, hearing aids, toys) | not addressed | ||
| Loss of belongings of children and parents (cloakroom, prams) | no | „aus dem Abhandenkommen von Sachen“ | B.1. I. 4.8, page 8 |
| Outings, forest days, overnight stays and trips outside the facility | yes | „Versicherungsfälle am auswärtigen Aufenthaltsort sind mitversichert.“ | A. II. 5.4, page 4 |
| Swimming, paddling pools, water play and bathing trips | not addressed | ||
| Transport of children (shuttle, handcarts, crèche buggies, parents' cars) | not addressed | ||
| Catering, own kitchen and food (allergies, food poisoning) | yes | „der Betrieb von Restaurationsbetrieben in Eigenregie (Kantine, Café und Kiosk) durch …“ | A. I. 7, page 3 |
| Administering medication and first aid by staff | not addressed | ||
| Drop-off and pick-up (child handed to unauthorised person, child running away) | not addressed | ||
| Animals at the facility (nursery dog, small animals, animal-assisted education) | yes | „aus dem Halten und Hüten eigener Klein- und Nutztiere (ausgenommen sind Pferde und Hunde)“ | B.1. I. 2.6, page 6 |
Premises and operations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Premises liability and duty of care for buildings and grounds | yes | „Versichert ist auch die gesetzliche Haftpflicht als Eigentümer, Vermieter, Verpächter …“ | B.1. I. 2.1.1, page 5 |
| Playground and play equipment (installation, inspection, use) | not addressed | ||
| Snow and ice clearance duty, also assumed by contract | yes | „Bestreuung der Gehwege bei Winterglätte, Schneeräumen auf Bürgersteig und Fahrdamm“ | B.1. I. 2.1.1, page 5 |
| Damage to rented rooms and buildings | yes, up to EUR 500,000 | „500.000 Euro für sonstige Schäden an unbeweglichen Sachen und den fest verbundenen Teilen“ | B.1. I. 5.2.1, page 8 |
| Damage to rented, borrowed or leased movable property | yes, up to EUR 35,000 | „35.000 Euro für sonstige Schäden an bewegliche Sachen (zum Beispiel Einrichtungen …“ | B.1. I. 5.2.1, page 8 |
| Loss of third-party keys and key cards (landlord's building, locking system) | yes, up to EUR 20,000 | „Für Schlüsselverlust gemäß Ziffer 2.9: 20.000 Euro“ | B.1. I. 5.2.4, page 9 |
| Events (summer party, lantern parade, open day, bazaar) | yes | „die Veranstaltung und Ausrichtung aller Veranstaltungen und Unternehmungen des BSFV …“ | A. I. 2, page 3 |
| Letting rooms to third parties (courses, external groups) | yes | „Vermieter, Verpächter, Mieter, Pächter, Nutznießer von Grundstücken, Gebäuden …“ | B.1. I. 2.1.1, page 5 |
| Construction works as developer (alterations up to a construction sum) | yes, up to EUR 500,000 | „wenn ihre Kosten im Einzelfall auf nicht mehr als 500.000 Euro zu veranschlagen sind.“ | B.1. I. 2.2, page 5 |
| Environmental and water pollution damage | yes, up to EUR 5 million | „5.000.000 Euro pauschal für Personen- und Sachschäden“ | B.1. I. 5.2.2, page 9 |
| Data protection breaches (photos, development reports, nursery apps) | not addressed |
Children's accident cover
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Accident insurance for children in care, supplementing statutory accident insurance (group accident) | yes | „Der Versicherungsschutz gilt für die beaufsichtigten „Kita-Kinder“, die an den …“ | D. III. Kita-Kinder-Unfallversicherung, page 16 |
| Basic disability sum per child | not addressed | ||
| Disability progression (maximum benefit in percent) | not addressed | ||
| Death benefit for children | not addressed | ||
| Hospital daily benefit or medical costs | not addressed | ||
| Cosmetic surgery and dental prosthesis after an accident | not addressed | ||
| Search and rescue costs | not addressed | ||
| Time scope (care hours and commute only or 24 hours) | not addressed | ||
| Accident cover for volunteers, helping parents and board members | not addressed |
Contents and interruption
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contents insurance (furniture, toys, kitchen, materials) | not addressed | ||
| Insured perils for contents (fire, water, storm, burglary, vandalism, natural hazards) | not addressed | ||
| Electronics and appliances against operating errors and breakage | not addressed | ||
| Items outdoors (playhouse, sandpit, ride-on toys, pram shelter) | not addressed | ||
| Loss of income or extra costs after property damage (temporary rooms, emergency care) | not addressed | ||
| Closure by authority under infection control law | not addressed |
Exclusions and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of sexual abuse or violence (also for the operator's organisational fault) | not addressed | ||
| Exclusion of motor vehicle use (child transport) | yes | „des Eigentümers, Besitzers, Halters oder Führers eines Kraft-, Luft- oder …“ | B.1. I. 4.2, page 8 |
| Exclusion of transmission of diseases (infections, lice, pandemic) | not addressed | ||
| Exclusion for knowingly breaching laws and regulations (staff ratio, operating licence) | not addressed | ||
| Exclusion of medical, therapeutic or nursing activities (inclusion children, therapy) | yes | „Kein Versicherungsschutz besteht grundsätzlich für Ärzte, Architekten, Rechtsanwälte …“ | A. II. 6, page 4 |
| Bodily injury to employees (workplace accident, statutory liability privilege) | no | „aus Schadenfällen, bei denen es sich um Arbeitsunfälle gemäß dem Sozialgesetzbuch (SGB) …“ | B.1. I. 4.12, page 8 |
| Obligation: operating licence, staff ratio, staff qualification, criminal record check | not addressed | ||
| Safety obligations (play equipment inspection, fire safety, hygiene plan) | yes | „Voraussetzung für die Gewährung des Versicherungsschutzes ist jedoch, dass vor …“ | B.1. I. 2.13, page 7 |
| Defence against unfounded claims and criminal defence costs for staff | yes, up to EUR 100,000 | „Die Höchstgrenze der Leistungen beträgt je Rechtsschutzfall 100.000 Euro, für Kautionen …“ | B.1. II. 3.2, page 10 |
Contract and specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Term and cancellation (annual contract, cancellation after a claim) | yes | „Die Versicherung für die Organisationen im BSFV sowie deren Mitglieder gilt für die …“ | D. II, page 16 |
| Premium basis (places, groups, staff, turnover) and duty to report changes | yes | „Der Beitrag berechnet sich nach der Anzahl der Mitglieder (natürliche Personen) und ist …“ | D. I, page 16 |
| Automatic cover for new groups, places and sites | not addressed | ||
| Update guarantee for improved terms | not addressed | ||
| Austria: relation to provincial childcare law and statutory accident insurance | not addressed | ||
| Spain: employer's liability (staff workplace accidents) with sublimit per victim | not addressed | ||
| Spain: compulsory cover under regional law for nursery schools (minimum limits, child accident) | 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
- ARAG Allgemeine Versicherungs-Aktiengesellschaft, DARAG Deutschland AG
- Distribution
- brokers and direct
- Merkblatt Versicherungsschutz Schulfördervereine im BSFV (Stand 01.01.2024) Edition: Stand 01.01.2024 Original from the insurer (PDF, German)
- Kurzmerkblatt Schulfördervereine 2024 Edition: Stand 01.2024 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 ARAG Kita- und Schulfördervereine Plus and available as plain
text.
Volltext ARAG Kita- und Schulfördervereine Plus Kita-Versicherung · As text (Markdown) ARAG Kita- und Schulfördervereine Plus Nursery insurance