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Allianz UnternehmensSchutz: the policy wording in full
Betriebshaftpflicht der Allianz für produzierende Unternehmen mit Produkthaftpflicht, Kostenbausteinen der erweiterten Produkthaftpflicht und indirektem Export weltweit.
German market: tariffs for people living in Germany.
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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 UnternehmensSchutz.
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 | „Wir stellen Sie im Rahmen der von Ihnen gewählten Versicherungssummen von berechtigten …“ | Einleitung, page 1 |
| Annual aggregate (maximum payable per insurance year) | not addressed | ||
| Deductible for product liability claims | not addressed | ||
| Contract form: standalone product liability policy or module of the general liability policy | no | „Kurzübersicht Betriebshaftpflichtversicherung“ | Titel, page 1 |
| Insured roles: manufacturer, quasi-manufacturer (own brand), retailer, importer | not addressed | ||
| Trigger: occurrence, act or claims made | not addressed | ||
| Territorial scope for delivered products (domestic, Europe, worldwide) | yes | „Indirekter Export weltweit“ | Auslandsrisiken, page 2 |
| Deliveries to the USA and Canada (direct or indirect) covered | yes | „Indirekter Export weltweit ... Direkter Export und Bau-/Montagetätigkeit (auch Wartung …“ | Auslandsrisiken, page 2 |
Conventional product liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Bodily injury and property damage caused by manufactured or delivered products | yes | „Personen- und Sachschäden durch hergestellte/gelieferte Erzeugnisse, erbrachte Arbeiten …“ | Produkthaftpflichtrisiken, page 2 |
| 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 | „Personen- und Sachschäden durch hergestellte/gelieferte Erzeugnisse, erbrachte Arbeiten …“ | Produkthaftpflichtrisiken, page 2 |
| Mail order and online sales, including via marketplaces | not addressed | ||
| Defence against unfounded claims and costs outside the sum insured | not addressed |
Extended product liability (financial loss)
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Extended product liability for pure financial loss of customers covered | yes | „Kostenbausteine der erweiterten Produkthaftpflichtversicherung (SB 10 %, mindestens 250 …“ | Produkthaftpflichtrisiken, page 2 |
| Lack of agreed properties (no bodily injury or property damage required) | yes | „Personen- und Sachschäden durch hergestellte/gelieferte Erzeugnisse, erbrachte Arbeiten …“ | Produkthaftpflichtrisiken, page 2 |
| Connection, mixing and processing damage (defective product combined with other products) | yes | „Verbindungs-, Vermischungs- und Verarbeitungsschäden“ | Produkthaftpflichtrisiken, page 2 |
| Further processing and treatment damage at the customer | yes | „Weiterver- und -bearbeitungsschäden“ | Produkthaftpflichtrisiken, page 2 |
| Removal and installation costs (removing defective and installing defect-free products) | yes | „Aus- und Einbaukosten“ | Produkthaftpflichtrisiken, page 2 |
| 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) | yes | „Prüf- und Sortierkosten“ | Produkthaftpflichtrisiken, page 2 |
| Damage from products made with machines supplied by the policyholder | yes | „Schäden durch mangelhafte Maschinen, -Steuerungen, Formen“ | Produkthaftpflichtrisiken, page 2 |
| Loss of profit and production downtime of the customer | not addressed | ||
| Deductible in extended product liability | yes, up to EUR 250 | „Kostenbausteine der erweiterten Produkthaftpflichtversicherung (SB 10 %, mindestens 250 …“ | Produkthaftpflichtrisiken, page 2 |
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 | not addressed | ||
| Exclusion: contractual guarantees and liability extensions beyond the law | not addressed | ||
| Exclusion: punitive and exemplary damages | not addressed | ||
| Exclusion: asbestos, genetically modified organisms and similar substances | not addressed | ||
| Exclusion: defects in software and data as part of products | not addressed |
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 | not addressed | ||
| Provisional cover for new products and risks after inception | yes | „Vorsorgeversicherung für neu entstandene Risiken“ | Ergänzend zum versicherten Risiko, page 1 |
| 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 | not addressed |
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 | not addressed | ||
| Premium basis (turnover, payroll, flat rate) | not addressed | ||
| Insurer's right to cancel after a claim | not addressed | ||
| 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.
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
- Allianz Versicherungs-Aktiengesellschaft
- Distribution
- through tied agents
- Betriebshaftpflicht für produzierende Unternehmen, Kurzübersicht (FH 0109) Edition: FH 0109Z0 (07V) PDF.7.23 Original from the insurer (PDF, German)
- Haftpflicht für Handel, Handwerk, Gewerbe und freie Berufe, Kurzinformation mit Produkthaftpflicht (FH 0102) Edition: FH 0102Z0 (07V) PDF.5.22 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 UnternehmensSchutz and available as plain text.
Volltext Allianz UnternehmensSchutz Produkthaftpflicht · As text (Markdown) Allianz UnternehmensSchutz Product liability