Insurance broker / Public servant liability insurance / Policy wording archive Public servant liability
BGV BGVDIENSTplus: the policy wording in full
Diensthaftpflicht als Zusatz zur Privathaftpflicht für Mitarbeiter des öffentlichen Dienstes und den mitversicherten Partner, mit Fahrerregress, Vermögensschäden und bautechnischer Tätigkeit.
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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 BGV BGVDIENSTplus.
Basics and sums insured
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for bodily injury and property damage arising from official duties | yes, up to EUR 10 million | „Die Versicherungssummen betragen: 10 Mio. EUR für Personen-und Sachschäden pauschal“ | Leistungsübersicht, page 8 |
| Sum insured for pure financial loss (official liability for financial loss) | yes, up to EUR 25,000 | „Bei Abschluss von BGVDienstplus gilt eine Versicherungssumme von 25.000 EUR für …“ | C, page 25 |
| Annual aggregate limit | not addressed | ||
| Available as a standalone contract without private liability cover from the same insurer | not addressed | ||
| Add-on to private liability insurance with its own special conditions | yes | „kann gegen Beitragszuschlag bei der Produktlinie Klassik und Exklusiv gewählt werden“ | Leistungsübersicht, page 8 |
| Group or framework contract via trade union, professional association or employer | not addressed | ||
| Trigger: loss occurrence, wrongful act or claims made | not addressed | ||
| Deductible per claim | EUR 150 | „Die Selbstbeteiligung an jedem Schaden beträgt 150 EUR.“ | A, page 24 |
Insured persons and activities
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Civil servants (federal, state, municipal) insured | yes | „BGVDIENSTplus bietet einen beruflichen Haftpflichtversicherungsschutz speziell für …“ | Leistungsübersicht, page 8 |
| Salaried employees in the public sector insured | yes | „BGVDIENSTplus bietet einen beruflichen Haftpflichtversicherungsschutz speziell für …“ | Leistungsübersicht, page 8 |
| Teachers, trainee teachers and educational staff insured (duty of supervision, school trips, specialist lessons) | yes | „ist bei Lehrern an öffentlichen Schulen die gesetzliche Haftpflicht aus der Erteilung …“ | A, page 24 |
| Police, customs, prison service and federal police insured | yes | „ist bei Polizei-, Zoll-, Bundesgrenzschutz und Bundeswehrangehörigen die gesetzliche …“ | A, page 24 |
| Soldiers and reservists insured | yes | „ist bei Polizei-, Zoll-, Bundesgrenzschutz und Bundeswehrangehörigen die gesetzliche …“ | A, page 24 |
| Judges, public prosecutors and judicial officers insured | yes | „besteht Versicherungsschutz auch für Haftpflichtansprüche wegen Verletzung oder …“ | C, page 25 |
| 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 | yes | „ist bei Pfarrern die gesetzliche Haftpflicht als Religionslehrer, Armenpflegevorstand“ | A, page 24 |
| Elected office holders, organs and honorary officials (mayors, councillors) insured | not addressed | ||
| Medical, nursing and other healthcare activities excluded | not addressed | ||
| Planning and site management activities (architects, engineers, building authorities) excluded | none | „aus seiner Tätigkeit als bautechnischer Bediensteter im öffentlichen Dienst“ | D, page 25 |
| Approved secondary employment and secondary offices included | no | „Die Versicherung umfasst die aus dem Dienst, nicht jedoch die aus Nebenämtern und …“ | A, page 24 |
| Cover for further public sector employees in the same household (partner, children) | yes | „Er gilt für den Versicherungsnehmer und den mitversicherten Partner“ | Leistungsübersicht, page 8 |
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 | „gleichviel, ob der Versicherte unmittelbar oder auf dem Wege des Rückgriffs (Regresses) …“ | A, page 24 |
| Direct loss suffered by the employer (first-party loss, in Austria organ liability) | yes, up to EUR 100,000, excess EUR 150 | „sind Sachschäden, die dem Dienstherrn unmittelbar zugefügt werden. Die …“ | A, page 24 |
| Direct claims by third parties (personal liability) | yes, up to the sum insured | „gleichviel, ob der Versicherte unmittelbar oder auf dem Wege des Rückgriffs (Regresses) …“ | A, page 24 |
| Gross negligence covered without reduction of benefits | yes | „durch fahrlässige und grob fahrlässige Pflichtverletzung während der Versicherungszeit …“ | C, page 25 |
| Defence against unfounded claims | yes | „Die Versicherung umfasst die Befriedigung begründeter und die Abwehr unbegründeter …“ | B, page 25 |
| Defence costs count towards the sum insured | not addressed | ||
| Costs of criminal defence and disciplinary proceedings | yes, up to the sum insured | „Die Versicherung bietet auch Rechtsschutz in anhängig werdenden Strafverfahren, wenn …“ | B, page 25 |
| Bodily injury to colleagues from accidents at work (recourse by employer or social insurance carrier) | no | „Ausgenommen sind Haftpflichtansprüche wegen Personenschäden, bei denen es sich um …“ | A, page 24 |
| Breach of the duty of supervision over pupils, children or persons in care | yes | „aus der Leitung und Beaufsichtigung von Schüler- und Klassenreisen, Schulausflügen und …“ | A, page 24 |
Keys, official property and vehicles
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of official keys and code cards | not addressed | ||
| Consequential costs of key loss (replacement of locking system, security measures) | not addressed | ||
| Deductible for key loss | not addressed | ||
| Loss of official property (equipment, devices owned by the employer) | yes, up to EUR 5,000, excess EUR 150 | „die gesetzliche Haftpflicht aus dem Abhandenkommen von Sachen. Die Höchstersatzleistung …“ | A, page 24 |
| Damage to official property entrusted for official use | yes, up to EUR 100,000, excess EUR 150 | „sind Sachschäden, die dem Dienstherrn unmittelbar zugefügt werden.“ | A, page 24 |
| Service weapon: carrying, use and loss | yes, up to the sum insured | „aus dem Gebrauch von Karabinern, Pistolen und Maschinenpistolen“ | A, page 24 |
| Service dogs and service horses (keeping and handling) | no | „aus dem Halten von Tieren“ | A, page 24 |
| Cash shortages and shortfalls of money or valuables | not addressed | ||
| Recourse for damage to the official vehicle (employer recovery of own damage) | yes, up to EUR 50,000 | „Der Versicherer bietet Versicherungsschutz für Schäden an gelenkten …“ | B 2., page 25 |
| Recourse by employer or motor insurer after an accident with the official vehicle (third-party damage) | yes, up to EUR 100,000 | „Die Leistungen werden begrenzt auf 100 000 EUR für Personenschäden, 50 000 EUR für …“ | B, page 25 |
| Loss from deletion or loss of data and damage to official IT | not addressed | ||
| Loss of files, deeds and documents | yes, up to the sum insured | „sind Ersatzansprüche des Dienstherrn aus Sachschäden an Akten und anderen für die …“ | C, page 25 |
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 | not addressed | ||
| Exceeding budgets, estimates and credit limits excluded | not addressed | ||
| 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 | not addressed | ||
| Claims for discrimination, harassment or violation of personal rights | not addressed | ||
| Environmental and water damage arising from official duties | yes, up to the sum insured | „Die Ausschlussbestimmung der Ziffer 7.10 AHB (Schäden durch Umwelteinwirkung) findet …“ | A, page 24 |
| 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 | „aus im Ausland vorkommenden Versicherungsfällen“ | A, page 24 |
| Retroactive cover for wrongful acts before inception | not addressed | ||
| Extended reporting period after termination, retirement or leaving the service | not addressed | ||
| 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) | not addressed |
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 | not addressed | ||
| 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 |
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Policy wordings and provider
- Legal entity
- BGV-Versicherung Aktiengesellschaft
- Distribution
- brokers and direct
- Verbraucherinformation zu Ihrer Privathaftpflichtversicherung mit Versicherungsbedingungen für die Diensthaftpflichtversicherung (AVB BGVDIENSTplus) Edition: AVB BGVDIENSTplus Ausgabe 2016, Verbraucherinformation 12/2021 laut Liste 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 BGV BGVDIENSTplus and available as plain text.
Volltext BGV BGVDIENSTplus Diensthaftpflicht · As text (Markdown) BGV BGVDIENSTplus Public servant liability