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NV Produkt-Haftpflicht (Landwirtschaft, Direktvermarktung): the policy wording in full
Erweiterte Produkthaftpflicht für landwirtschaftliche Betriebe nach AHB 2008 mit Verbindungs-, Vermischungs- und Weiterverarbeitungsschäden bis 1.000.000 EUR, ohne Rückwärtsdeckung und ohne Rückrufkosten.
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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 NV Produkt-Haftpflicht
(Landwirtschaft, Direktvermarktung).
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured per claim for bodily injury and property damage caused by products | yes, up to EUR 1 million | „Die Höchstersatzleistung für Schäden der Ziffern 4.1 – 4.3 beträgt 1.000.000 EUR.“ | 5, page 1 |
| Annual aggregate (maximum payable per insurance year) | yes | „Die Gesamtleistung für alle Versicherungsfälle eines Versicherungsjahres beträgt …“ | 5, page 1 |
| Deductible for product liability claims | not addressed | ||
| Contract form: standalone product liability policy or module of the general liability policy | no | „richtet sich nach den Allgemeinen Versicherungsbedingungen für die …“ | 1.1, page 1 |
| Insured roles: manufacturer, quasi-manufacturer (own brand), retailer, importer | yes | „Der Versicherungsschutz erstreckt sich auf Schäden, die durch a) vom …“ | 1.1, page 1 |
| Trigger: occurrence, act or claims made | yes | „Der Versicherungsschutz umfasst die Folgen aller während der Versicherungsdauer …“ | 2, page 1 |
| Territorial scope for delivered products (domestic, Europe, worldwide) | not addressed | ||
| Deliveries to the USA and Canada (direct or indirect) covered | not addressed |
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- und …“ | 1.2, page 1 |
| Strict statutory liability under product liability law (ProdHaftG, PHG, Spanish consumer law) without fault | not addressed | ||
| Design, manufacturing and instruction defects (manuals, warnings) | yes | „Mehrere Schadenereignisse aus der gleichen Ursache, z. B. aus dem gleichen …“ | 6, page 1 |
| 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 | „vom Versicherungsnehmer hergestellte oder gelieferte Erzeugnisse“ | 1.1, page 1 |
| 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“ | 1.1, page 1 |
| 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, up to EUR 1 million | „gesetzliche Schadenersatzansprüche, die aus der Herstellung oder Lieferung mangelhafter …“ | 4, page 1 |
| Lack of agreed properties (no bodily injury or property damage required) | not addressed | ||
| Connection, mixing and processing damage (defective product combined with other products) | yes, up to EUR 1 million | „Schäden Dritter infolge Mangelhaftigkeit von Sachen, die erst durch Verbindung …“ | 4.2, page 1 |
| Further processing and treatment damage at the customer | yes, up to EUR 1 million | „Kosten Dritter für die Weiterverarbeitung oder Weiterbearbeitung eines mangelhaften …“ | 4.3, page 1 |
| 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 | „Ansprüche auf Wandlung, Minderung, Nachbesserung, Neu-(Ersatz-)Lieferung“ | 8.1 a), page 2 |
| 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 | yes | „wegen der dem Abnehmer des Versicherungsnehmers infolge eines sich daraus ergebenden …“ | 4.2.5, page 1 |
| Deductible in extended product liability | EUR 250 | „Von jedem Schadenereignis der erweiterten Produkt-Haftpflichtversicherung gem. Ziffer …“ | 7, page 2 |
Product recall
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Recall costs covered (recall liability module or standalone) | no | „Folgeschäden, wie z. B. Betriebsunterbrechung oder Produktionsausfall, unbeschadet …“ | 8.2, page 2 |
| Recall from consumers to prevent bodily injury | no | „(insbesondere Kosten im Zusammenhang mit einem Rückruf)“ | 8.2, page 2 |
| Recall ordered by authorities (market surveillance) and voluntary recall | no | „(insbesondere Kosten im Zusammenhang mit einem Rückruf)“ | 8.2, page 2 |
| Recall from business customers and retailers in the supply chain | no | „(insbesondere Kosten im Zusammenhang mit einem Rückruf)“ | 8.2, page 2 |
| Costs of recall notices (media, letters, hotline) and destruction | no | „(insbesondere Kosten im Zusammenhang mit einem Rückruf)“ | 8.2, page 2 |
| 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 | „Planung oder Konstruktion, Herstellung oder Lieferung von Luftfahrzeugen oder Teilen …“ | 8.9 a), page 2 |
| 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 …“ | 8.8, page 2 |
| Exclusion: deliberate deviation from laws, standards or customer specifications | yes | „die den Schaden durch bewusstes Abweichen von gesetzlichen oder behördlichen …“ | 8.6, page 2 |
| Exclusion: damage to the delivered product itself and performance claims | yes | „Ansprüche auf Wandlung, Minderung, Nachbesserung, Neu-(Ersatz-)Lieferung“ | 8.1 a), page 2 |
| Exclusion: contractual guarantees and liability extensions beyond the law | yes | „Ansprüche aus selbstständigen Garantiezusagen“ | 8.3, page 2 |
| Exclusion: punitive and exemplary damages | not addressed | ||
| Exclusion: asbestos, genetically modified organisms and similar substances | yes | „Ansprüche wegen Erzeugnisse, die gentechnisch verändert sind und die Schadenursache auf …“ | 8.12, page 2 |
| 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 | no | „Abweichend von Ziffer 13.1 AHB 2008 hat der Versicherungsnehmer wesentliche …“ | 9, 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 | not addressed |
Contract and term
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Retroactive cover for products delivered before inception | no | „Für Schäden durch Erzeugnisse, die vor Inkrafttreten dieses Vertrages ausgeliefert …“ | 3, page 1 |
| Run-off cover for delivered products after business closure or end of contract | yes | „dem Versicherer nicht später als drei Jahre nach Beendigung des Versicherungsvertrages …“ | 2, page 1 |
| 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 |
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Policy wordings and provider
- Legal entity
- NV-Versicherungen VVaG
- Distribution
- brokers and direct
- Besondere Bedingungen und Risikobeschreibungen Produkt-Haftpflicht (BBR Produkt Haftpflicht) Edition: BBR Produkt Haftpflicht 01/2008 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 NV Produkt-Haftpflicht (Landwirtschaft,
Direktvermarktung) and available as plain text.
Volltext NV Produkt-Haftpflicht (Landwirtschaft, Direktvermarktung) Produkthaftpflicht · As text (Markdown) NV Produkt-Haftpflicht (Landwirtschaft, Direktvermarktung) Product liability