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Mannheimer Baugewerbe: the policy wording in full
Betriebshaftpflicht Baugewerbe mit Produkthaftpflichtrisiko weltweit ohne USA/Kanada, vertraglichen Haftungserweiterungen, Aus- und Einbaukosten nur für verkaufte Handelsware und wählbarem Fremdrückruf, ohne erweiterte Produkthaftpflicht.
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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 Mannheimer Baugewerbe.
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 Entschädigungsleistung des Versicherers ist bei jedem Versicherungsfall auf die …“ | A3-5.1, page 32 |
| Annual aggregate (maximum payable per insurance year) | yes | „Die Entschädigungsleistungen des Versicherers sind für alle Versicherungsfälle eines …“ | A3-5.2, page 42 |
| Deductible for product liability claims | yes | „Falls vereinbart, beteiligt sich der Versicherungsnehmer bei jedem Versicherungsfall an …“ | A3-5.4, page 33 |
| Contract form: standalone product liability policy or module of the general liability policy | no | „Abschnitt A3 Produkthaftpflichtrisiko“ | A3, page 31 |
| Insured roles: manufacturer, quasi-manufacturer (own brand), retailer, importer | yes | „hergestellte oder gelieferte Erzeugnisse,“ | A3-1.1, page 31 |
| Trigger: occurrence, act or claims made | yes | „Schadensereignis ist das Ereignis, als dessen Folge die Schädigung des Dritten …“ | A3-3.1, page 32 |
| Territorial scope for delivered products (domestic, Europe, worldwide) | yes | „durch Erzeugnisse, die der Versicherungsnehmer ins Ausland (ausgenommen USA …“ | A3-6.3.1 c, page 34 |
| Deliveries to the USA and Canada (direct or indirect) covered | yes | „durch Erzeugnisse, die ins Ausland gelangt sind, ohne dass der Versicherungsnehmer …“ | A3-6.3.1 b, page 42 |
Conventional product liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Bodily injury and property damage caused by manufactured or delivered products | yes | „Haftpflicht des Versicherungsnehmers für Personen-, Sach- und sich daraus ergebende …“ | A3-1.1, page 31 |
| 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 der gleichen Ursache, z. B. aus dem gleichen Konstruktions-“ | A3-5.3.1, page 32 |
| 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 | „hergestellte oder gelieferte Erzeugnisse,“ | A3-1.1, page 31 |
| Own brands (quasi-manufacturer) and imports from non-EU countries | not addressed | ||
| Damage from completed work and services (installation, maintenance, repair) | yes | „mit dem Zeitpunkt, in dem der Versicherungsnehmer die Erzeugnisse in den Verkehr …“ | A3, page 31 |
| 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 Versicherungssumme(n) …“ | A3-5.5, page 32 |
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 | „als der Versicherungsnehmer für auf Sachmängeln beruhende Schadensersatzansprüche …“ | A3-6.2.1, page 33 |
| 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) | yes | „Kosten für den Austausch mangelhafter Produkte (nicht jedoch von deren Einzelteilen) …“ | A3-7.2 a, page 37 |
| Seller's removal and installation costs owed to the buyer (subsequent performance under section 439 (3) BGB or equivalent law) | yes | „Voraussetzung für den Versicherungsschutz ist, dass der Versicherungsnehmer für die …“ | A3-7.1, page 37 |
| Transport costs for defective and defect-free products during removal and installation | yes | „Kosten für den Transport mangelfreier Produkte mit Ausnahme solcher an den …“ | A3-7.2 b, page 42 |
| 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 | no | „wegen des Ausfalls der Nutzung des Vertragsgegenstandes oder wegen des Ausbleibens des …“ | A3-3.2 c, page 32 |
| Deductible in extended product liability | not addressed |
Product recall
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Recall costs covered (recall liability module or standalone) | yes | „Die Entschädigungsleistung des Versicherers ist bei jedem Versicherungsfall auf die …“ | A4-5.1, page 42 |
| Recall from consumers to prevent bodily injury | yes | „an Endverbraucher, Endverbraucher beliefernde Händler, Vertrags- oder sonstige Werkstätten“ | A4-3.1, page 41 |
| Recall ordered by authorities (market surveillance) and voluntary recall | yes | „aufgrund behördlicher Anordnung“ | A4-1.1, page 41 |
| Recall from business customers and retailers in the supply chain | yes | „Endverbraucher beliefernde Händler, Vertrags- oder sonstige Werkstätten“ | A4-3.1, page 41 |
| Costs of recall notices (media, letters, hotline) and destruction | yes | „die Benachrichtigung der Endverbraucher, Endverbraucher beliefernde Händler, Vertrags …“ | A4-3.4.1, page 41 |
| 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) | yes | „Kein Versicherungsschutz besteht für Kraft-, Luft- und Raumfahrzeuge sowie ersichtlich …“ | A4-1.2, page 41 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion: aircraft, spacecraft and their parts | yes | „Luft- und Raumfahrzeuge“ | A3-8.14, page 39 |
| Exclusion: motor vehicle parts and accessories in extended product liability | yes | „sich die Mangelbeseitigungsmaßnahmen auf Teile, Zubehör oder Einrichtungen von Kraft …“ | A3-7.3 b, page 38 |
| Exclusion: medicinal products (statutory pharma cover) and medical devices | yes | „Arzneimittel“ | A3-8.20, page 39 |
| 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 | „Schäden an hergestellten oder gelieferten Sachen, Arbeiten“ | A3-8.5, page 38 |
| Exclusion: contractual guarantees and liability extensions beyond the law | yes | „Kein Versicherungsschutz besteht für Ansprüche, soweit sie aufgrund einer vertraglichen …“ | A3-3.3, page 32 |
| Exclusion: punitive and exemplary damages | yes | „Entschädigungen mit Strafcharakter“ | A3-8.18, page 39 |
| Exclusion: asbestos, genetically modified organisms and similar substances | yes | „Asbest, Glasfasern, Mineralfasern oder Stäube“ | A3-8.6, page 38 |
| Exclusion: defects in software and data as part of products | yes | „Schäden im Zusammenhang mit dem Austausch, der Übermittlung und“ | A3-8.25, page 39 |
Obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Requirement of a quality assurance system or incoming goods inspection | yes | „Qualitätssicherungsmanagement mit branchenüblichem Standard (z. B. ISO 9000 ff.)“ | A3-6.2.2, page 34 |
| 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 | „Im Umfang des bestehenden Vertrags ist die gesetzliche Haftpflicht des …“ | A3-10.1, page 40 |
| Contractual indemnities, quality and liability agreements with customers covered | yes | „als eine vertragliche Freistellung des Vertragspartners von Schadensersatzansprüchen …“ | A3-6.2.6, page 34 |
| Waiver of incoming inspection by the customer (duty to inspect under section 377 HGB) covered | yes | „auf die Untersuchungs- und Rügepflicht gemäß § 377 HGB, Art. 38, 39 UN-Kaufrecht oder …“ | A3-6.2.2, page 42 |
| 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 | no | „die vor Inkrafttreten dieses Versicherungsvertrags ausgeliefert wurden, besteht …“ | A3-11.2, page 40 |
| Run-off cover for delivered products after business closure or end of contract | yes | „Versicherungsschutz besteht gemäß der Regelung in A1-11.“ | A3-12, page 40 |
| 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.
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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
- Mannheimer Versicherung Aktiengesellschaft
- Distribution
- not known
- Allgemeine Versicherungsbedingungen 2024 für die Betriebshaftpflichtversicherung Baugewerbe (HF 601) Edition: AVB BHV-Bau 2024, Stand 01.01.2024 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 Mannheimer Baugewerbe and available as plain text.
Volltext Mannheimer Baugewerbe Produkthaftpflicht · As text (Markdown) Mannheimer Baugewerbe Product liability