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ERGO Betriebs- und Industrie: the policy wording in full
Industriehaftpflicht Industrie mit Betriebs- und Produkt-Haftpflicht für Personen- und Sachschäden weltweit ohne direkte USA-Exporte und vertraglichen Haftungserweiterungen, aber ohne erweiterte Produkt-Haftpflicht und ohne Rückruf.
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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 ERGO Betriebs- und Industrie.
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 Leistung des Versicherers ist bei jedem Versicherungsfall auf die vereinbarten …“ | A 3.1, page 7 |
| Annual aggregate (maximum payable per insurance year) | yes | „Die Leistungen des Versicherers sind für alle Versicherungsfälle eines …“ | A 3.1, page 7 |
| Deductible for product liability claims | yes | „Es gilt die im Versicherungsschein genannte Selbstbeteiligung.“ | A 3.3, page 10 |
| Contract form: standalone product liability policy or module of the general liability policy | no | „Besondere Bedingungen für die Betriebs- und Produkt-Haftpflichtversicherung“ | Teil B, page 21 |
| 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 …“ | B 1.1, page 21 |
| Territorial scope for delivered products (domestic, Europe, worldwide) | yes | „Mitversichert sind im Ausland eintretende Versicherungsfälle nach jeweils geltendem Recht.“ | B 6.4.1, page 31 |
| Deliveries to the USA and Canada (direct or indirect) covered | no | „Ausgeschlossen sind Versicherungsfälle durch Erzeugnisse, die der Versicherungsnehmer …“ | B 6.4.2, page 24 |
Conventional product liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Bodily injury and property damage caused by manufactured or delivered products | yes | „Versicherungsschutz besteht für den Fall, dass der Versicherungsnehmer wegen eines …“ | B 1.1, page 20 |
| 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) | not addressed | ||
| Mail order and online sales, including via marketplaces | not addressed | ||
| Defence against unfounded claims and costs outside the sum insured | yes | „Aufwendungen des Versicherers für Kosten nicht als Leistung auf die Versicherungssummen …“ | A 3.1, page 7 |
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) | yes | „Mitversichert sind auf Sachmängeln beruhende Schadenersatzansprüche Dritter im …“ | A 6.19.2, page 16 |
| 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 | yes | „der Planung oder Konstruktion, Herstellung oder Lieferung von Luft- oder Raumfahrzeugen …“ | A 7.18, page 19 |
| Exclusion: motor vehicle parts and accessories in extended product liability | not addressed | ||
| Exclusion: medicinal products (statutory pharma cover) and medical devices | yes | „an Verbraucher abgegebene Arzneimittel, für die der Versicherungsnehmer in der …“ | A 7.23, page 19 |
| 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 | „Ansprüche wegen Schäden an vom Versicherungsnehmer hergestellten oder gelieferten …“ | A 7.9, page 18 |
| Exclusion: contractual guarantees and liability extensions beyond the law | yes | „Kein Versicherungsschutz besteht für Pflichten oder Ansprüche, soweit sie aufgrund …“ | A 7.3, page 17 |
| Exclusion: punitive and exemplary damages | yes | „punitive oder exemplary damages“ | A 7.21, page 19 |
| Exclusion: asbestos, genetically modified organisms and similar substances | yes | „Ausgeschlossen sind Ansprüche wegen Schäden, die auf Asbest, asbesthaltige Substanzen …“ | A 7.10, page 17 |
| Exclusion: defects in software and data as part of products | none | „Übertragung elektronischer Daten“ | B 6.7, page 25 |
Obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Requirement of a quality assurance system or incoming goods inspection | yes | „nachweislich nach einem den internationalen Standards entsprechenden …“ | A 6.19.3, page 16 |
| Requirement of product monitoring and documentation (batches, traceability) | not addressed | ||
| Turnover reporting as premium basis and consequences of misreporting | yes | „Der Versicherungsnehmer hat nach Aufforderung mitzuteilen, ob und welche Änderungen des …“ | D 7.1, page 37 |
| Provisional cover for new products and risks after inception | yes | „aus Risiken, die nach Abschluss des Versicherungsvertrages neu entstehen, sofort …“ | B 4.1, page 22 |
| Contractual indemnities, quality and liability agreements with customers covered | yes | „durch Vertrag übernommene gesetzliche Haftpflicht Dritter, soweit derartige …“ | A 6.19.1 (4), page 15 |
| Waiver of incoming inspection by the customer (duty to inspect under section 377 HGB) covered | yes | „Verzicht auf die Untersuchungs- und Rügepflicht gemäß § 377 HGB“ | A 6.19.3, page 16 |
| Deadline to report a claim or an imminent recall | yes | „Jeder Versicherungsfall ist dem Versicherer innerhalb einer Woche anzuzeigen“ | D 13.2, page 41 |
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 | yes | „gilt für die Dauer von 5 Jahren vom Zeitpunkt der Beendigung des …“ | B 5.1, page 21 |
| Contract term and notice periods | yes | „Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich der Vertrag um …“ | D 9, page 38 |
| Premium basis (turnover, payroll, flat rate) | yes | „Lohn-, Bau- oder Umsatzsumme“ | D 8, page 38 |
| Insurer's right to cancel after a claim | yes | „vom Versicherer eine Schadensersatzzahlung oder eine Zahlung von Sanierungskosten von …“ | D 10, page 39 |
| Guarantee of compliance with the association model conditions (GDV, VVO) or better | not addressed | ||
| Innovation or update clause (future improvements apply automatically) | not addressed |
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Policy wordings and provider
- Legal entity
- ERGO Versicherung Aktiengesellschaft
- Distribution
- not known
- Versicherungsbedingungen Betriebs- und Produkt-Haftpflichtversicherung (Teil B Besondere Bedingungen, Teil C Umwelt) Edition: Haftpflichtversicherung für industrielle Betriebe (Industrie), Stand 1.9.2020 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 ERGO Betriebs- und Industrie and available as plain text.
Volltext ERGO Betriebs- und Industrie Produkthaftpflicht · As text (Markdown) ERGO Betriebs- und Industrie Product liability