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Allianz Betriebshaftpflicht (AHB): the policy wording in full
Allgemeine Haftpflichtbedingungen der Allianz als Grundlage der Betriebshaftpflicht mit Produktrisiko, ohne eigenen Produkthaftpflichtbaustein im Text.
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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 Allianz Betriebshaftpflicht (AHB).
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured per claim for bodily injury and property damage caused by products | as stated in the policy schedule | „Die von uns zu leistende Entschädigung ist bei jedem Versicherungsfall auf die …“ | § 6 Abs. 1, page 2 |
| Annual aggregate (maximum payable per insurance year) | yes | „Es kann vereinbart werden, dass wir die Versicherungsleistung auf ein Mehrfaches der …“ | § 6 Abs. 2, page 2 |
| Deductible for product liability claims | yes | „Falls besonders vereinbart, beteiligen Sie sich bei jedem Versicherungsfall mit einem …“ | § 6 Abs. 4, page 3 |
| Contract form: standalone product liability policy or module of the general liability policy | no | „Allgemeine Versicherungsbedingungen für die Haftpflichtversicherung (AHB) PHA 400/07“ | Titel, page 1 |
| Insured roles: manufacturer, quasi-manufacturer (own brand), retailer, importer | not addressed | ||
| Trigger: occurrence, act or claims made | yes | „Schadenereignis ist das Ereignis, als dessen Folge die Schädigung des Dritten …“ | § 1 Abs. 1, page 1 |
| Territorial scope for delivered products (domestic, Europe, worldwide) | yes | „Haftpflichtansprüche aus im Ausland (d.h. außerhalb der Bundesrepublik Deutschland) …“ | § 7 Abs. 9, page 4 |
| Deliveries to the USA and Canada (direct or indirect) covered | no | „Haftpflichtansprüche aus im Ausland (d.h. außerhalb der Bundesrepublik Deutschland) …“ | § 7 Abs. 9, page 4 |
Conventional product liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Bodily injury and property damage caused by manufactured or delivered products | yes | „für Schäden, die durch von Ihnen hergestellte oder gelieferte Erzeugnisse (ausgenommen …“ | § 7 Abs. 10 b bb, page 4 |
| Strict statutory liability under product liability law (ProdHaftG, PHG, Spanish consumer law) without fault | not addressed | ||
| Design, manufacturing and instruction defects (manuals, warnings) | not addressed | ||
| Development risk: defects not detectable by the state of the art when put into circulation | not addressed | ||
| Traded goods and parts purchased from third-party manufacturers | not addressed | ||
| Own brands (quasi-manufacturer) and imports from non-EU countries | not addressed | ||
| Damage from completed work and services (installation, maintenance, repair) | yes | „Arbeiten oder sonstige Leistungen nach Ausführung der Leistung oder nach Abschluss der …“ | § 7 Abs. 10 b bb, page 4 |
| Mail order and online sales, including via marketplaces | not addressed | ||
| Defence against unfounded claims and costs outside the sum insured | yes | „Unsere Aufwendungen für Kosten werden nicht auf die Versicherungssummen angerechnet.“ | § 6 Abs. 5, page 3 |
Extended product liability (financial loss)
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Extended product liability for pure financial loss of customers covered | not addressed | ||
| Lack of agreed properties (no bodily injury or property damage required) | not addressed | ||
| Connection, mixing and processing damage (defective product combined with other products) | not addressed | ||
| Further processing and treatment damage at the customer | not addressed | ||
| Removal and installation costs (removing defective and installing defect-free products) | not addressed | ||
| Seller's removal and installation costs owed to the buyer (subsequent performance under section 439 (3) BGB or equivalent law) | not addressed | ||
| Transport costs for defective and defect-free products during removal and installation | not addressed | ||
| Testing and sorting costs (checking products for defects) | not addressed | ||
| Damage from products made with machines supplied by the policyholder | not addressed | ||
| Loss of profit and production downtime of the customer | not addressed | ||
| Deductible in extended product liability | not addressed |
Product recall
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Recall costs covered (recall liability module or standalone) | not addressed | ||
| Recall from consumers to prevent bodily injury | not addressed | ||
| Recall ordered by authorities (market surveillance) and voluntary recall | not addressed | ||
| Recall from business customers and retailers in the supply chain | not addressed | ||
| Costs of recall notices (media, letters, hotline) and destruction | not addressed | ||
| Costs of crisis and PR consultants in a recall | not addressed | ||
| Recall after malicious product tampering and extortion | not addressed | ||
| Exclusion: recall of motor vehicle parts and accessories (separate automotive recall cover needed) | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion: aircraft, spacecraft and their parts | not addressed | ||
| Exclusion: motor vehicle parts and accessories in extended product liability | not addressed | ||
| Exclusion: medicinal products (statutory pharma cover) and medical devices | not addressed | ||
| Exclusion: products not tested to the state of the art (testing clause) | not addressed | ||
| Exclusion: deliberate deviation from laws, standards or customer specifications | not addressed | ||
| Exclusion: damage to the delivered product itself and performance claims | yes | „Haftpflichtansprüche wegen Schäden an von Ihnen hergestellten oder gelieferten Sachen …“ | § 7 Abs. 8, page 4 |
| Exclusion: contractual guarantees and liability extensions beyond the law | yes | „Haftpflichtansprüche, soweit sie aufgrund eines Vertrags oder einer Zusage über den …“ | § 7 Abs. 3, page 3 |
| Exclusion: punitive and exemplary damages | not addressed | ||
| Exclusion: asbestos, genetically modified organisms and similar substances | yes | „Haftpflichtansprüche wegen Schäden, die auf Asbest, asbesthaltige Substanzen oder …“ | § 7 Abs. 11, page 4 |
| Exclusion: defects in software and data as part of products | yes | „Haftpflichtansprüche wegen Schäden aus dem Austausch, der Übermittlung und der …“ | § 7 Abs. 15, page 4 |
Obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Requirement of a quality assurance system or incoming goods inspection | not addressed | ||
| Requirement of product monitoring and documentation (batches, traceability) | not addressed | ||
| Turnover reporting as premium basis and consequences of misreporting | yes | „Bei unrichtigen Angaben zu unserem Nachteil sind wir berechtigt, von Ihnen eine …“ | § 13 Abs. 1, page 6 |
| Provisional cover for new products and risks after inception | yes | „Risiken, die nach Abschluss des Versicherungsvertrags für Sie neu entstehen, sind im …“ | § 4 Abs. 1, page 2 |
| Contractual indemnities, quality and liability agreements with customers covered | not addressed | ||
| Waiver of incoming inspection by the customer (duty to inspect under section 377 HGB) covered | not addressed | ||
| Deadline to report a claim or an imminent recall | none | „Jeder Versicherungsfall ist uns unverzüglich anzuzeigen, auch wenn noch keine …“ | § 25 Abs. 1, page 8 |
Contract and term
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Retroactive cover for products delivered before inception | not addressed | ||
| Run-off cover for delivered products after business closure or end of contract | not addressed | ||
| Contract term and notice periods | yes | „Wenn eine stillschweigende Vertragsverlängerung vereinbart ist, verlängert sich der …“ | § 16 Abs. 2, page 6 |
| Premium basis (turnover, payroll, flat rate) | yes | „Soweit die Beiträge nach Lohn-, Bau- oder Umsatzsumme berechnet werden, findet keine …“ | § 15 Abs. 1, page 6 |
| Insurer's right to cancel after a claim | yes | „Das Versicherungsverhältnis kann gekündigt werden, wenn wir aufgrund eines …“ | § 19 Abs. 1, page 7 |
| Guarantee of compliance with the association model conditions (GDV, VVO) or better | not addressed | ||
| Innovation or update clause (future improvements apply automatically) | 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
- Allianz Versicherungs-Aktiengesellschaft
- Distribution
- through tied agents
- Allgemeine Versicherungsbedingungen für die Haftpflichtversicherung (AHB), PHA 400 Edition: PHA 400/07, 10.21 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 Allianz Betriebshaftpflicht (AHB) and available as plain text.
Volltext Allianz Betriebshaftpflicht (AHB) Produkthaftpflicht · As text (Markdown) Allianz Betriebshaftpflicht (AHB) Product liability