Insurance broker / Pet care business liability / Policy wording archive Pet sitter liability
Uelzener für Hundeausbilder: the policy wording in full
Haftpflicht für angestellte oder freiberufliche Hundeausbilder mit vier Hilfspersonen, mit Schäden an den auszubildenden Hunden je nach Tarifierung bis 1.000, 2.000 oder 3.000 Euro je Hund und Schlüsselverlust bis 70.000 Euro.
German market: tariffs for people living in Germany.
Done in two minutes: your details are enough, we take care of the rest.
- Free for you, same price as going direct
- 4.97 out of 5 stars from 5,048 reviews
- On your side when you claim
Take out this policy through NAMMERT
You have already worked out with your AI what fits you.
All we need now are your details and a few answers.
We prepare your application with Uelzener.
- AI has advised
- 2Your details
- Application to Uelzener
Thank you, we have your application.
We prepare it with Uelzener and get back to you with the documents.
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 Hundeausbilder.
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 | not addressed | ||
| Dog sitting and dog walking (walking other people's dogs) | not addressed | ||
| Pet care in the owner's home (house sitting, feeding, cat care) | not addressed | ||
| Boarding kennel or cattery with overnight stays | not addressed | ||
| Dog school, dog training and behaviour consulting | yes | „freiberuflicher Hundeausbilder inkl. 4 Hilfspersonen“ | 1.2, page 1 |
| Animal shelter, animal welfare association, rescue station | not addressed | ||
| Maximum number of animals cared for or walked at the same time | not addressed | ||
| Insured species beyond dogs (cats, small pets, birds, horses) | not addressed | ||
| Employees, temporary staff, interns and volunteers co-insured | yes | „freiberuflicher Hundeausbilder inkl. 4 Hilfspersonen“ | 1.2, page 1 |
| Territorial scope (home country, Europe, worldwide for trips with animals in care) | yes | „abweichend auch die gesetzliche Haftpflicht aus im Ausland vorkommenden …“ | 2.4, page 1 |
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 EUR 10,000 | „Schäden an den auszubildenden Hunden durch Verschulden des Versicherungsnehmers oder …“ | 2.6, page 1 |
| Maximum compensation per animal in care | yes, up to the sum insured | „je Hund und maximal 10.000,00 € je Schadenereignis“ | 2.6, page 1 |
| Veterinary and treatment costs for an injured animal in care | not addressed | ||
| Escape or loss of an animal in care, including search costs | not addressed | ||
| 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 | yes, up to EUR 10,000 | „Schäden an den auszubildenden Hunden durch Verschulden des Versicherungsnehmers oder …“ | 2.6, page 1 |
| 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 | not addressed | ||
| Bodily injury and property damage to third parties caused by an animal in care | not addressed | ||
| 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 …“ | 2.5, page 1 |
| Injury to course participants and owners during training | not addressed | ||
| Carer's own dogs and animals co-insured | no | „des Versicherungsnehmers als Tierhalter“ | 3.3, page 1 |
| 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 | „die Durchführung von Veranstaltungen und Ausflügen und aus den damit verbundenen …“ | 2.2, 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 | not addressed | ||
| Damage to rented rooms and halls | not addressed | ||
| Damage to hired or borrowed movable property | not addressed | ||
| Environmental and water pollution damage | not addressed | ||
| Sale of food, accessories and treats (product liability) | yes, up to the sum insured | „der Nebenerwerbsverkauf (z. B. Hundezubehör, Katzenfutter) bis zu einem Jahresumsatz …“ | 2.7, page 1 |
| 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 | none | „Schäden an den auszubildenden Hunden durch Verschulden des Versicherungsnehmers oder …“ | 2.6, page 1 |
| 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 für …“ | 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.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- Uelzener Allgemeine Versicherungs-Gesellschaft a.G.
- Distribution
- not known
- Besondere Bedingungen und Risikobeschreibungen zur Haftpflicht-Versicherung für Hundeausbilder (BBR Hund), DOC-748 Edition: Ausgabe 15.08.2018 (DOC-748 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 Hundeausbilder and available as plain text.
Volltext Uelzener für Hundeausbilder Tierbetreuer-Haftpflicht · As text (Markdown) Uelzener für Hundeausbilder Pet sitter liability