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Itzehoer Landwirtschaft: the policy wording in full
Landwirtschaftliche Betriebshaftpflicht mit erweiterter Produkthaftpflicht für Verbindungs-, Weiterverarbeitungsschäden, Saatgutvermehrung und Prüfkosten, ohne Aus- und Einbaukosten, ohne Rückruf und mit 10 % Selbstbehalt.
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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 Itzehoer Landwirtschaft.
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 Versicherungssummen betragen je Versicherungsfall für Personen- und Sachschäden …“ | C III 9.1, page 17 |
| Annual aggregate (maximum payable per insurance year) | yes | „Die Höchstersatzleistung für alle Versicherungsfälle eines Versicherungsjahres beträgt …“ | C III 9.2, page 17 |
| Deductible for product liability claims | EUR 500 | „Von jedem Schaden hat der Versicherungsnehmer 10 %, mindestens 500 €, höchstens 1.000 € …“ | C III 9.3, page 17 |
| Contract form: standalone product liability policy or module of the general liability policy | no | „III. Erweiterte Produkthaftpflicht“ | C III, page 16 |
| Insured roles: manufacturer, quasi-manufacturer (own brand), retailer, importer | yes | „Der Versicherungsschutz bezieht sich auf den in der Betriebsbeschreibung genannten …“ | C III 2, page 16 |
| Trigger: occurrence, act or claims made | yes | „Versicherungsfall ist das während der Wirksamkeit des Vertrags eingetretene …“ | C III 8.1, page 17 |
| Territorial scope for delivered products (domestic, Europe, worldwide) | no | „Versicherungsschutz außerhalb Deutschlands besteht nur, sofern dies ausdrücklich …“ | C III 6, page 17 |
| Deliveries to the USA and Canada (direct or indirect) covered | no | „ersichtlich für eine Lieferung in die USA, US-Territorien oder nach Canada bestimmt …“ | C I 3.2.1, page 14 |
Conventional product liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Bodily injury and property damage caused by manufactured or delivered products | yes | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers für Personen …“ | C III 1.1, page 16 |
| Strict statutory liability under product liability law (ProdHaftG, PHG, Spanish consumer law) without fault | not addressed | ||
| Design, manufacturing and instruction defects (manuals, warnings) | yes | „aus dem gleichen Konstruktions-, Produktions- oder Instruktionsfehler“ | C III 8.3, page 17 |
| 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 | yes | „Verkauf eigener und fremder land- und forstwirtschaftlicher Erzeugnisse“ | C I, page 12 |
| Own brands (quasi-manufacturer) and imports from non-EU countries | not addressed | ||
| Damage from completed work and services (installation, maintenance, repair) | yes | „Der Versicherungsschutz beginnt mit dem Zeitpunkt, in dem der Versicherungsnehmer die …“ | C III 1.1, page 16 |
| Mail order and online sales, including via marketplaces | not addressed | ||
| Defence against unfounded claims and costs outside the sum insured | yes | „Die Aufwendungen des Versicherers für Kosten werden nicht auf die Versicherungssummen …“ | AHB § 6 Ziffer 5, page 6 |
Extended product liability (financial loss)
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Extended product liability for pure financial loss of customers covered | yes | „Verbindungs-, Vermischungs-, Verarbeitungsschäden“ | C III 4.2, page 16 |
| Lack of agreed properties (no bodily injury or property damage required) | yes | „auf Sachmängeln beruhende Schadensersatzansprüche Dritter im gesetzlichen Umfang wegen …“ | C III 4.1, page 16 |
| Connection, mixing and processing damage (defective product combined with other products) | yes | „Verbindungs-, Vermischungs-, Verarbeitungsschäden“ | C III 4.2, page 16 |
| Further processing and treatment damage at the customer | yes | „Weiterver- oder -bearbeitungsschäden“ | C III 4.3, page 16 |
| 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) | no | „auf Erfüllung von Verträgen, Nacherfüllung, aus Selbstvornahme, Rücktritt, Minderung …“ | C III 5.1.1, page 17 |
| 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“ | C III 4.5, page 17 |
| Damage from products made with machines supplied by the policyholder | not addressed | ||
| Loss of profit and production downtime of the customer | yes | „weiterer Vermögensnachteile (z. B. entgangenen Gewinns), weil die Gesamtprodukte nicht …“ | C III 4.2.2.4, page 16 |
| Deductible in extended product liability | EUR 500 | „Von jedem Schaden hat der Versicherungsnehmer 10 %, mindestens 500 €, höchstens 1.000 € …“ | C III 9.3, page 17 |
Product recall
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Recall costs covered (recall liability module or standalone) | no | „die im Zusammenhang mit einem Rückruf von Erzeugnissen geltend gemacht werden.“ | C III 5.2.7, page 17 |
| 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) | yes | „Ansprüche aus Sach- und Vermögensschäden durch Erzeugnisse, deren Verwendung oder …“ | C III 5.2.5, page 17 |
| Exclusion: deliberate deviation from laws, standards or customer specifications | yes | „soweit diese den Schaden durch bewusstes Abweichen von gesetzlichen oder behördlichen …“ | C III 5.2.4, page 16 |
| Exclusion: damage to the delivered product itself and performance claims | yes | „Ansprüche wegen Schäden gemäß Abschnitt B. § 7 Ziffer 8 AHB;“ | C III 5.2.3, page 17 |
| Exclusion: contractual guarantees and liability extensions beyond the law | yes | „Ansprüche aus Garantien oder aufgrund sonstiger vertraglicher Haftungserweiterungen“ | C III 5.2.1, page 17 |
| Exclusion: punitive and exemplary damages | yes | „auf Entschädigung mit Strafcharakter, insbesondere punitive oder exemplary damages;“ | C I 3.2.2.2, page 24 |
| Exclusion: asbestos, genetically modified organisms and similar substances | yes | „Haftpflichtansprüche wegen Schäden, die auf Asbest, asbesthaltige Substanzen oder …“ | AHB § 7, page 7 |
| 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 | yes | „so erhöhen sich die in Ziffer 9.3 genannten Selbstbehalte in Schadenfällen, die mit …“ | C III 10.2, page 18 |
| Provisional cover for new products and risks after inception | no | „Vorsorgeversicherung - finden für die Produkthaftpflichtversicherung keine Anwendung.“ | C III 10.3, page 18 |
| 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 | yes | „Jeder Versicherungsfall ist dem Versicherer innerhalb einer Woche anzuzeigen“ | AHB § 25, page 10 |
Contract and term
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Retroactive cover for products delivered before inception | no | „die vor Inkrafttreten dieses Versicherungsvertrags ausgeliefert wurden, besteht …“ | C III 7.2, page 17 |
| Run-off cover for delivered products after business closure or end of contract | yes | „Versicherungsschutz noch für die Dauer von maximal 3 Jahren nach Vertragsaufhebung …“ | C I 3.4, page 15 |
| Contract term and notice periods | yes | „verlängert sich der Vertrag um jeweils ein Jahr“ | AHB, page 8 |
| Premium basis (turnover, payroll, flat rate) | not addressed | ||
| Insurer's right to cancel after a claim | yes | „eine Schadensersatzzahlung geleistet“ | AHB § 19, page 9 |
| 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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Policy wordings and provider
- Legal entity
- Itzehoer Versicherung/Brandgilde von 1691 Versicherungsverein auf Gegenseitigkeit
- Distribution
- brokers and direct
- Verbraucherinformationen für landwirtschaftliche Betriebshaftpflicht- und Bodenkaskoversicherungen (AHB 2020 mit BBR land- und forstwirtschaftliche Betriebe) Edition: Landwirtschaftliche Betriebshaftpflicht, Ausgabe 09/20, AHB 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 Itzehoer Landwirtschaft and available as plain text.
Volltext Itzehoer Landwirtschaft Produkthaftpflicht · As text (Markdown) Itzehoer Landwirtschaft Product liability