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uniVersa gewerbliche Sachversicherung: the policy wording in full
Gewerbliche Sachversicherung nach AFB, AERB, AWB und AStB 2008 mit benannten Gefahren, Klein-BU und Elementarbaustein sowie einer Klausel für Krankenkassen-Rezepte; Apotheken nicht eigens genannt, keine Haftpflicht.
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Everything about this policy
What the policy covers: 60 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for uniVersa gewerbliche
Sachversicherung.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Dedicated pharmacy wording or clause set (not only generic business terms) | not addressed | ||
| All-risks cover for contents and stock | no | „Der Versicherer leistet Entschädigung für versicherte Sachen, die durch a) Brand, b) …“ | AFB 2008 § 1 Nr. 1, page 4 |
| Sum insured for fittings, laboratory and stock | yes, up to the sum insured | „Die Versicherungssumme ist der zwischen Versicherer und Versicherungsnehmer im …“ | AFB 2008 § 7 Nr. 4 a), page 6 |
| Replacement at new value without depreciation for fittings | yes | „cherung zum Neuwert weniger als 40 Prozent des Neuwertes beträgt (Zeitwertvorbehalt);“ | AFB 2008 § 7 Nr. 2 a) bb), page 6 |
| Waiver of underinsurance (average) | yes, up to EUR 5,000 | „sind nicht anzuwenden, wenn der Schaden 10 Prozent des Gesamtbetrages der …“ | Klausel 1702, page 53 |
| Valuation of stock (purchase price, replacement price, retail price) | yes | „Der Versicherungswert von Vorräten ist der Betrag, der aufzuwenden ist, um Sachen …“ | AFB 2008 § 7 Nr. 2 b), page 6 |
| Provision for seasonal stock peaks (vaccines, flu season) | yes, up to the sum insured | „Die Vorsorgeversicherungssumme verteilt sich auf die Versicherungssummen der …“ | Klausel 1703, page 53 |
| Stock and fittings outside the insured premises (branch, warehouse, delivery vehicle, vaccination site) | yes, up to the sum insured | „Die Außenversicherung gilt, soweit nicht etwas anderes vereinbart ist, nur innerhalb …“ | Klausel 3412, page 54 |
Perils and property damage
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire, lightning, explosion | yes, up to the sum insured | „Brand ist ein Feuer, das ohne einen bestimmungsgemäßen Herd entstanden ist oder ihn …“ | AFB 2008 § 1 Nr. 2, page 4 |
| Burglary and vandalism after break-in | yes, up to the sum insured | „Einbruchdiebstahl liegt vor, wenn der Dieb“ | AERB 2008 § 1 Nr. 2, page 16 |
| Robbery inside the pharmacy and during delivery | yes, up to the sum insured | „Raub innerhalb eines Gebäudes oder Grundstücks,“ | AERB 2008 § 1 Nr. 1 c), page 16 |
| Theft of controlled drugs (narcotics) from the safe | not addressed | ||
| Cash and valuables in till and safe | yes, up to the sum insured | „Soweit Bargeld und Wertsachen versichert sind, besteht Versicherungsschutz nur in …“ | AFB 2008 § 6 Nr. 3, page 6 |
| Escape of water and sprinkler leakage | yes, up to the sum insured | „Das Leitungswasser muss ausgetreten sein aus“ | AWB 2008 § 1 Nr. 3 b), page 29 |
| Storm and hail | yes, up to the sum insured | „Windstärke 8 nach Beaufort (Windgeschwindigkeit mindestens“ | AStB 2008 § 1, page 41 |
| Other natural hazards (flood, heavy rain, backflow, earthquake) | yes, up to the sum insured | „Überschwemmung ist die Überflutung des Grund und Bodens des“ | BWE 2008 § 2, page 59 |
| Glass breakage (shop windows, door, display cases) | not addressed | ||
| Exterior signs, pharmacy cross and illuminated advertising | no | „Sachen, die an der Außenseite des Gebäudes angebracht sind (z. B. Schilder …“ | AStB § 1, page 41 |
| Automatic doors, dispensing robot and pick-up station as insured property | not addressed | ||
| Unnamed perils (damage by third parties, operating errors, vehicle impact) | not addressed |
Refrigerated goods and compounding
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Spoilage of refrigerated medicines through cooling failure | not addressed | ||
| Causes for cold goods: power cut, technical defect, operating error | not addressed | ||
| Requirement for refrigerators (DIN 13277, medical fridge, alarm) | not addressed | ||
| Deductible or waiting period for cold goods | not addressed | ||
| Compounded preparations and raw materials in the laboratory | not addressed | ||
| Third-party and customer property (ordered or paid medicines, aids in custody) | yes, up to the sum insured | „Über Nr. 3 b) und c) hinaus ist fremdes Eigentum nur versichert, soweit es seiner Art …“ | AFB 2008 § 3 Nr. 4, page 5 |
Prescriptions, billing and electronics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Prescription loss: lost reimbursement when prescriptions are lost or destroyed before billing | yes, up to the sum insured | „Für Krankenkassen-Rezepte und Krankenscheine leistet der Versicherer bis zu der hierfür …“ | Klausel 1712, page 55 |
| Prescriptions in transit to the billing centre | not addressed | ||
| Retaxation (refused reimbursement by health insurers for formal errors) | not addressed | ||
| Electronics (POS, inventory system, robot, lab devices) against operating errors, surge, short circuit | yes, up to the sum insured | „leistet der Versicherer Entschädigung auch für Schäden, die an versicherten …“ | Klausel 3114, page 54 |
| Restoration of data and software after physical damage | yes, up to the sum insured | „Der Versicherer ersetzt sonstige Daten und Programme im Rahmen der Position …“ | AFB 2008 § 4 Nr. 4, page 5 |
| Cyber losses (malware, attack on inventory system and e-prescription link) | not addressed |
Business interruption
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of income after insured damage (gross profit, running costs) | yes, up to the sum insured | „Für die einfache Betriebsunterbrechungs -Versicherung (Klein-BU-Versicherung) gelten“ | ZKBU 2008 § 1, page 57 |
| Indemnity period in months | yes | „Haftzeit beträgt 12 Monate, soweit nicht etwas anderes vereinbart ist.“ | ZKBU 2008 § 2 Nr. 3, page 57 |
| Business interruption after cooling or electronics failure | not addressed | ||
| Interruption by failure of power, network or e-health infrastructure outside the pharmacy | not addressed | ||
| Contingent losses (damage at neighbouring practice, blocked access) | not addressed | ||
| Closure ordered by authorities (infection control, contamination) | not addressed | ||
| Absence of the owner through illness or accident | not addressed | ||
| Increased cost of working (temporary premises, rented equipment) | not addressed |
Public and professional liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit of indemnity for public and professional liability | not addressed | ||
| Dispensing and advice errors (wrong drug, dose, interaction) | not addressed | ||
| Liability from compounding | not addressed | ||
| Product liability (own brands, imports, cosmetics, supplements) | not addressed | ||
| Delineation from strict manufacturer liability under medicines law | not addressed | ||
| Pharmaceutical services and vaccination | not addressed | ||
| Delivery service and mail order | not addressed | ||
| Pure financial loss | not addressed | ||
| Cover for employed pharmacists, technicians and locums | not addressed | ||
| Damage to rented premises | not addressed | ||
| Loss of third-party keys and locking systems | not addressed | ||
| Run-off cover after giving up the pharmacy | not addressed |
Contract, deductible and duties
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Bundled policy: property, BI and liability in one contract | yes | „Versicherungsbedingungen für die gewerbliche Versicherung“ | Titel, page 1 |
| Framework agreement via pharmacists' association or chamber | not addressed | ||
| General deductible | yes, up to the sum insured | „wird je Versicherungsfall um den vereinbarten Selbstbehalt gekürzt.“ | Klausel 1714, page 56 |
| Waiver of reduction for gross negligence | no | „Vorsätzliche oder grob fahrlässige Herbeiführung des“ | Teil B, page 14 |
| Security requirements (alarm, safe class, night service hatch) | yes | „alle Öffnungen (z. B. Fenster und Türen) in dem“ | AERB 2008 § 11 Nr. 1 d) bb), page 21 |
| Cash in transit to the bank | yes, up to the sum insured | „Raub auf Transportwegen“ | AERB 2008 § 1 Nr. 1 d), page 16 |
| Future improvement clause | not addressed | ||
| Term and cancellation | yes | „Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich der Vertrag um …“ | AFB 2008 § 18 Nr. 2, page 11 |
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
- uniVersa Allgemeine Versicherung AG
- Distribution
- brokers and direct
- Versicherungsbedingungen gewerbliche Versicherung SHB-100 (AFB, AERB, AWB, AStB mit Klauseln zur Geschäfts-Inhaltsversicherung) Edition: Versicherungsbedingungen gewerbliche Versicherung SHB-100 (AFB, AERB, AWB, AStB 2008 mit Klauseln) 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 uniVersa gewerbliche Sachversicherung and available as plain
text.
Volltext uniVersa gewerbliche Sachversicherung Apothekenversicherung · As text (Markdown) uniVersa gewerbliche Sachversicherung Pharmacy insurance