Insurance broker / Pet care business liability / Policy wording archive Pet sitter liability
Uelzener für Betriebe und Tierheime: the policy wording in full
Betriebshaftpflicht der Uelzener mit Bausteinen für Tierheime, Hunde- und Katzenpensionen und Tiersitter, mit Abhandenkommen und falscher Fütterung betreuter Tiere je nach Tarifierung bis 1.000, 2.000 oder 3.000 Euro.
German market: tariffs for people living in Germany.
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Everything about this policy
What the policy covers: 67 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Uelzener für Betriebe und
Tierheime.
Basics and insured activities
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit of indemnity for bodily injury and property damage | as stated in the policy schedule | ||
| Limit for pure financial loss | not addressed | ||
| Annual aggregate limit | yes, up to the sum insured | „Die Gesamtleistung des Versicherers für alle Schadenereignisse eines …“ | 7.2, page 3 |
| Dog sitting and dog walking (walking other people's dogs) | yes | „die Beaufsichtigung von bis zu 10 Tieren (Hund) und bis zu 5 Tieren (Katze, Pferd)“ | 3.3.1, page 2 |
| Pet care in the owner's home (house sitting, feeding, cat care) | yes | „die Beaufsichtigung von bis zu 10 Tieren (Hund) und bis zu 5 Tieren (Katze, Pferd)“ | 3.3.1, page 2 |
| Boarding kennel or cattery with overnight stays | yes | „Hunde- und Katzenpensionen (Haltung fremder Tiere in dafür geeigneten Räumen)“ | 3.2, page 2 |
| Dog school, dog training and behaviour consulting | not addressed | ||
| Animal shelter, animal welfare association, rescue station | yes | „als Tierhalter der im Tierheim untergebrachten Tiere, falls besonders vereinbart“ | 3.1.1, page 2 |
| Maximum number of animals cared for or walked at the same time | yes | „die Beaufsichtigung von bis zu 10 Tieren (Hund) und bis zu 5 Tieren (Katze, Pferd)“ | 3.3.1, page 2 |
| Insured species beyond dogs (cats, small pets, birds, horses) | yes | „die Beaufsichtigung von bis zu 10 Tieren (Hund) und bis zu 5 Tieren (Katze, Pferd)“ | 3.3.1, page 2 |
| Employees, temporary staff, interns and volunteers co-insured | yes | „sämtlicher übrigen Betriebsangehörigen für Schäden, die sie in Ausführung ihrer …“ | 1.2.2.2, page 1 |
| Territorial scope (home country, Europe, worldwide for trips with animals in care) | not addressed |
Damage to animals in care (care, custody and control)
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Care and custody: death or injury of other people's animals taken into care | yes, up to the sum insured | „Mitversichert ist der Schaden am Pensionstier auch durch falsche Fütterung.“ | 3.2.2, page 2 |
| Maximum compensation per animal in care | yes, up to the sum insured | „Die Entschädigungsleistung ist – je nach Tarifierung – begrenzt auf 1.000,00 € …“ | 3.2.2, page 2 |
| Veterinary and treatment costs for an injured animal in care | not addressed | ||
| Escape or loss of an animal in care, including search costs | yes, up to the sum insured | „Mitversichert ist das Abhandenkommen eines Pensionstieres durch Verschulden der mit der …“ | 3.2.1, page 2 |
| Theft of an animal in care | not addressed | ||
| Injuries between animals in care (fights, bites in the group) | not addressed | ||
| Infection of animals in care with diseases or parasites | not addressed | ||
| Damage to animals in care during transport by vehicle | not addressed | ||
| Damage to the dog being trained caused by the training | not addressed | ||
| Damage during grooming (bathing, clipping, nail trimming) | not addressed |
Liability towards third parties
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Animal keeper liability for animals taken into care under contract | yes | „die Beaufsichtigung von bis zu 10 Tieren (Hund) und bis zu 5 Tieren (Katze, Pferd)“ | 3.3.1, page 2 |
| Bodily injury and property damage to third parties caused by an animal in care | yes | „die Beaufsichtigung von bis zu 10 Tieren (Hund) und bis zu 5 Tieren (Katze, Pferd)“ | 3.3.1, page 2 |
| Traffic accidents caused by an animal in care | not addressed | ||
| Damage to the pet owner's home and contents during home visits | not addressed | ||
| Loss of customers' keys including lock replacement | yes, up to EUR 70,000 | „der Verlust fremder Schlüssel; die Höchstersatzleistung des Versicherers beträgt …“ | 3.3.5, page 2 |
| Injury to course participants and owners during training | not addressed | ||
| Carer's own dogs and animals co-insured | not addressed | ||
| Off-leash exercise, dog parks, group runs | not addressed | ||
| Dangerous dogs and listed breeds in care | not addressed | ||
| Events, dog sports, tests, shows, open days | yes | „Rechtsverhältnissen, Tätigkeiten und Veranstaltungen (versichertes Risiko)“ | 1.1, page 1 |
| Protection work and decoy (helper in protection dog sports) | not addressed |
Business and premises
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Premises liability for grounds, kennels, runs and training field | yes | „als Eigentümer, Mieter, Vermieter, Pächter, Leasingnehmer, Nutznießer von Grundstücken …“ | 1.2.1.1.1, page 1 |
| Damage to rented rooms and halls | not addressed | ||
| Damage to hired or borrowed movable property | not addressed | ||
| Environmental and water pollution damage | yes | „Haftpflichtansprüche wegen Schäden durch Abwässer“ | 1.2.1.4, page 1 |
| Sale of food, accessories and treats (product liability) | yes, up to the sum insured | „der Nebenerwerbsverkauf (z. B. Hundezubehör, Katzenfutter) bis zu einem Jahresumsatz …“ | 3.2.3, page 2 |
| Financial loss from advice (behaviour, nutrition) | not addressed | ||
| Online courses and video training | not addressed | ||
| Data protection breaches and customer data | not addressed | ||
| Default cover (own claims against insolvent wrongdoers) | not addressed | ||
| Defence against unjustified claims and defence costs | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of damage to animals in custody without write-back | yes | „Auf den Ausschluss der Schäden an fremden Sachen – auch an Kommissionsware – nach Ziff …“ | 7.1, page 3 |
| Exclusion of breeding, trading and rehoming animals | not addressed | ||
| Exclusion of medical treatment, therapy and giving medication | not addressed | ||
| Exclusion of horses and livestock | not addressed | ||
| Exclusion of listed breeds or dogs with a bite history | not addressed | ||
| Exclusion of animal epidemics and officially ordered culls | not addressed | ||
| Reduction or exclusion where liability was waived towards customers | not addressed | ||
| Exclusion of races, competitions and training for them | not addressed |
Obligations and requirements
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Official permit or proof of competence required | not addressed | ||
| Leash requirement or rules on handling dogs | not addressed | ||
| Duty to check vaccination, owner's liability cover and health | not addressed | ||
| Requirements on fencing, kennels and securing accommodation | not addressed | ||
| Written care contract with the owner required | not addressed | ||
| Care only by trained staff or minimum age | not addressed | ||
| Duty to report extensions (more animals, boarding, new activity) | not addressed |
Contract and deductible
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| General deductible per claim | not addressed | ||
| Deductible for damage to animals in care | not addressed | ||
| Premium basis (number of animals, places, trainers, turnover, staff) | not addressed | ||
| Minimum term and notice period | not addressed | ||
| Prior acts or run-off cover after closing the business | not addressed | ||
| Improvement clauses (automatic updates, minimum standard, best cover) | not addressed | ||
| Basis of the wording (general liability conditions) | yes | „Besondere Bedingungen und Risikobeschreibungen zur Haftpflicht-Versicherung (BBR 2)“ | Titel, page 1 |
Spain specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Meets compulsory cover for dangerous dogs (Law 50/1999, regional minimum) | not addressed | ||
| Meets compulsory dog liability under Law 7/2023 also for dogs in care | 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
- Uelzener Allgemeine Versicherungs-Gesellschaft a.G.
- Distribution
- not known
- Besondere Bedingungen und Risikobeschreibungen BBR 2 für Betriebe, land- und forstwirtschaftliche Betriebe und Tierheime, DOC-638 Edition: Ausgabe September 2018 (DOC-638 03/25) 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 Uelzener für Betriebe und Tierheime and available as plain
text.
Volltext Uelzener für Betriebe und Tierheime Tierbetreuer-Haftpflicht · As text (Markdown) Uelzener für Betriebe und Tierheime Pet sitter liability