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Adam Riese Dienst: the policy wording in full
Dienst-Haftpflicht als Zusatz zur Privathaftpflicht für Beamte und Angestellte im öffentlichen Dienst, mit Regress des Dienstherrn, Dienstschlüsseln, Dienstfahrzeug und Nachhaftung.
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Everything about this policy
What the policy covers: 69 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Adam Riese Dienst.
Basics and sums insured
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for bodily injury and property damage arising from official duties | not addressed | ||
| Sum insured for pure financial loss (official liability for financial loss) | yes, up to the sum insured | „die weder durch Personen- noch durch Sachschäden entstanden sind“ | 5.12.1, page 4 |
| Annual aggregate limit | not addressed | ||
| Available as a standalone contract without private liability cover from the same insurer | no | „Versicherungsschutz besteht nur, soweit diese PHV wirksam abgeschlossen wurde“ | 1, page 2 |
| Add-on to private liability insurance with its own special conditions | yes | „Mit Beendigung des Hauptvertrags erlischt auch der Versicherungsschutz der BB DienstHV …“ | 8, page 6 |
| Group or framework contract via trade union, professional association or employer | not addressed | ||
| Trigger: loss occurrence, wrongful act or claims made | yes | „wegen eines während der Wirksamkeit der Versicherung eingetretenen Schadenereignisses …“ | 4, page 2 |
| Deductible per claim | not addressed |
Insured persons and activities
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Civil servants (federal, state, municipal) insured | yes | „Beamter (auch leitend)“ | 2, page 2 |
| Salaried employees in the public sector insured | yes | „Angestellter im öffentlichen Dienst (auch leitend)“ | 2, page 2 |
| Teachers, trainee teachers and educational staff insured (duty of supervision, school trips, specialist lessons) | yes | „der Erteilung von Experimentalunterricht (auch aus dem deckungsvorsorgefreien Umgang …“ | 5.16.1, page 5 |
| Police, customs, prison service and federal police insured | not addressed | ||
| Soldiers and reservists insured | not addressed | ||
| Judges, public prosecutors and judicial officers insured | not addressed | ||
| Candidates, trainees and apprentices in the public sector insured (also free of charge or discounted) | not addressed | ||
| Fire and rescue service personnel in the public sector insured | not addressed | ||
| Church employees and staff of public-law bodies insured | not addressed | ||
| Elected office holders, organs and honorary officials (mayors, councillors) insured | not addressed | ||
| Medical, nursing and other healthcare activities excluded | yes | „Ausgeschlossen sind Ansprüche wegen Schäden aus der Ausübung eines Heilberufs“ | 6.6, page 6 |
| Planning and site management activities (architects, engineers, building authorities) excluded | yes | „aus planender, beratender, bau- oder montageleitender, prüfender oder gutachterlicher …“ | 5.12.2 (2), page 4 |
| Approved secondary employment and secondary offices included | yes | „Versichert ist Deine gesetzliche Haftpflicht ausschließlich aus den folgenden …“ | 5.16.2, page 5 |
| Cover for further public sector employees in the same household (partner, children) | not addressed |
Recourse by the employer and third-party liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Recourse by the employer after state liability (recovery in cases of gross negligence) | yes, up to the sum insured | „Dies gilt auch für Schadensersatz- und Regressansprüche Deines Dienstherrn.“ | 4, page 2 |
| Direct loss suffered by the employer (first-party loss, in Austria organ liability) | yes, up to EUR 10,000 | „Versichert ist Deine gesetzliche Haftpflicht wegen Tätigkeitsschäden an Sachen des …“ | 5.7.2, page 3 |
| Direct claims by third parties (personal liability) | yes, up to the sum insured | „von einem Dritten auf Schadenersatz in Anspruch genommen werden“ | 4, page 2 |
| Gross negligence covered without reduction of benefits | not addressed | ||
| Defence against unfounded claims | not addressed | ||
| Defence costs count towards the sum insured | yes | „werden abweichend von A1-5 AVB PHV Riesig als Leistungen auf die Versicherungssumme …“ | 5.10.2, page 4 |
| Costs of criminal defence and disciplinary proceedings | not addressed | ||
| Bodily injury to colleagues from accidents at work (recourse by employer or social insurance carrier) | no | „Ausgeschlossen sind Ansprüche wegen Personenschäden, bei denen es sich um Dienst- oder …“ | 6.5, page 6 |
| Breach of the duty of supervision over pupils, children or persons in care | yes | „Leitung und/oder Beaufsichtigung von Ausflügen oder Reisen für Kinder, Schüler oder …“ | 5.16.1, page 5 |
Keys, official property and vehicles
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of official keys and code cards | yes, up to the sum insured | „Versichert ist Deine gesetzliche Haftpflicht aus dem Abhandenkommen fremder Schlüssel …“ | 5.1, page 2 |
| Consequential costs of key loss (replacement of locking system, security measures) | yes, up to EUR 5,000 | „Folgeschäden bis zu einem Höchstbetrag von 5.000 € je Versicherungsfall“ | 5.1, page 2 |
| Deductible for key loss | not addressed | ||
| Loss of official property (equipment, devices owned by the employer) | yes, up to EUR 100,000 | „Die Versicherungssumme für Schäden aus dem Abhandenkommen von Sachen Deines Dienstherrn …“ | 5.2, page 2 |
| Damage to official property entrusted for official use | yes, up to EUR 10,000 | „Die Versicherungssumme für Tätigkeitsschäden an Sachen des Dienstherrn beträgt je …“ | 5.7.2, page 3 |
| Service weapon: carrying, use and loss | yes, up to the sum insured | „aus dem dienstlichen Besitz und Gebrauch von Waffen sowie Munition und Geschossen“ | 5.8, page 3 |
| Service dogs and service horses (keeping and handling) | yes | „Halten, Hüten und Führen von Tieren, soweit nicht Versicherungsschutz über eine andere …“ | 5.9, page 3 |
| Cash shortages and shortfalls of money or valuables | yes, up to EUR 5,000 | „Versichert ist Deine gesetzliche Haftpflicht wegen nicht aufgeklärten Kassenfehlbeträgen.“ | 5.14, page 4 |
| Recourse for damage to the official vehicle (employer recovery of own damage) | yes, up to EUR 100,000 | „Versichert sind auch Ansprüche des Dienstherrn wegen Schäden am Dienstfahrzeug. Die …“ | 5.4.2, page 3 |
| Recourse by employer or motor insurer after an accident with the official vehicle (third-party damage) | yes, up to EUR 1 million | „1.000.000 € für Personen und Sachschäden für Regressansprüche des Dienstherrn wegen …“ | 5.4.2, page 3 |
| Loss from deletion or loss of data and damage to official IT | yes, up to the sum insured | „Versichert ist Deine gesetzliche Haftpflicht wegen Schäden (auch Tätigkeitsschäden) aus …“ | 5.15.1, page 4 |
| Loss of files, deeds and documents | not addressed |
Exclusions and limits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Wilful intent excluded | not addressed | ||
| Knowing breach of duty and deliberate deviation from rules or instructions excluded | yes | „aus bewusstem Abweichen von gesetzlichen oder behördlichen Vorschriften“ | 5.12.2 (14), page 4 |
| Exceeding budgets, estimates and credit limits excluded | yes | „aus der Nichteinhaltung von Fristen, Terminen, Vor- und Kostenanschlägen“ | 5.12.2 (12), page 4 |
| Fines, penalties and contractual penalties excluded | not addressed | ||
| Audit liability towards the court of auditors (in Spain responsabilidad contable) | not addressed | ||
| Claims for breach of data protection and confidentiality | yes, up to the sum insured | „aus der Verletzung von Datenschutzgesetzen durch Verwendung personenbezogener Daten“ | 5.12.3, page 4 |
| Claims for discrimination, harassment or violation of personal rights | not addressed | ||
| Environmental and water damage arising from official duties | not addressed | ||
| Loss outside official duties (private use of official property) excluded | not addressed |
Territorial and temporal scope
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Business trips, secondments and deployments abroad insured | yes | „im europäischen Ausland zeitlich unbegrenzt und im außereuropäischen Ausland von bis zu …“ | 5.10.1, page 3 |
| Retroactive cover for wrongful acts before inception | not addressed | ||
| Extended reporting period after termination, retirement or leaving the service | yes | „gilt für die Dauer von 6 Jahren vom Zeitpunkt des Ausscheidens aus dem öffentlichen …“ | 7, page 6 |
| Change of employer, office or career path covered without new underwriting | not addressed | ||
| Automatic cover for new official risks | not addressed | ||
| Subsidiarity to other insurance (employer, trade union, private liability) | yes | „Kein Versicherungsschutz besteht, soweit Dein Dienstherr wegen dieser Ansprüche eine …“ | 5.4.1, page 3 |
Contract, duties and special features
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract term and renewal | not addressed | ||
| Notice period at expiry, daily right of cancellation | not addressed | ||
| Contract ends or is suspended on leaving the service, parental leave or leave of absence | yes | „Ausscheiden aus dem öffentlichen Dienst weg, endet damit die Versicherung nach diesen …“ | 7, page 6 |
| Rules for pensioners and retired civil servants (free of charge or discounted) | not addressed | ||
| Notification period for the insured event and for the employer announcing recourse | not addressed | ||
| Acknowledgement or payment without the insurer consent does not bind the insurer | not addressed | ||
| Notification of changed duties, pay grade or risk group required | not addressed | ||
| Innovation clause or performance guarantee against the GDV model conditions | not addressed | ||
| Legal assistance by the administration itself credited or taking precedence (Abogacía del Estado, legal services) | not addressed | ||
| Professional disqualification: monthly benefit when barred from office by a court | not addressed | ||
| Bail bonds: provision of security in civil and criminal proceedings | not addressed |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- Rhion.digital / Adam Riese (W&W Digitalmarke)
- Distribution
- direct from the insurer only
- Besondere Bedingungen Dienst-Haftpflichtrisiko für Beamte und Angestellte im öffentlichen Dienst (BB DienstHV 2025) Edition: BB DienstHV 2025, 01.07.2025, Version 1.0 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 Adam Riese Dienst and available as plain text.
Volltext Adam Riese Dienst Diensthaftpflicht · As text (Markdown) Adam Riese Dienst Public servant liability