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Die Haftpflichtkasse Haftpflichtkasse Dienst- und Amts: the policy wording in full
Dienst- und Amtshaftpflicht als Ergänzung zur Privathaftpflicht der Haftpflichtkasse (Abschnitt A6, Stand 01/2025) mit Regress des Dienstherrn, Dienstschlüsseln bis 100.000 Euro, Kassenfehlbeträgen, Vermögensschäden nach Verstoßprinzip und 6 Jahren 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 Die Haftpflichtkasse
Haftpflichtkasse Dienst- und Amts.
Basics and sums insured
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for bodily injury and property damage arising from official duties | yes, up to the sum insured | „summen können Sie Ihrem Antrag oder auch“ | Produktinformationsblatt Dienst- und Amtshaftpflicht, page 6 |
| Sum insured for pure financial loss (official liability for financial loss) | yes, up to the sum insured | „Versicherungsfall ist der Verstoß, der“ | A6-6.12.2, page 108 |
| Annual aggregate limit | yes, up to the sum insured | „beträgt das Zweifache der“ | A6-6.12.4, page 108 |
| Available as a standalone contract without private liability cover from the same insurer | no | „Die Dienst- und Amtshaftpflicht-Versicherung gilt nur in Ergänzung zur …“ | Produktinformationsblatt Dienst- und Amtshaftpflicht, page 6 |
| Add-on to private liability insurance with its own special conditions | yes | „Die Dienst- und Amtshaftpflicht-Versicherung gilt nur in Ergänzung zur …“ | Produktinformationsblatt Dienst- und Amtshaftpflicht, page 6 |
| Group or framework contract via trade union, professional association or employer | not addressed | ||
| Trigger: loss occurrence, wrongful act or claims made | yes | „Versicherungsfall ist der Verstoß, der“ | A6-6.12.2, page 108 |
| Deductible per claim | yes | „Falls vereinbart, beteiligt sich der“ | A6-5.3, page 104 |
Insured persons and activities
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Civil servants (federal, state, municipal) insured | yes | „Tätigkeit als Beamter oder Beschäftigter des“ | A6-1, page 102 |
| Salaried employees in the public sector insured | yes | „Tätigkeit als Beamter oder Beschäftigter des“ | A6-1, page 102 |
| Teachers, trainee teachers and educational staff insured (duty of supervision, school trips, specialist lessons) | yes | „Experimentalunterricht (auch“ | A6-6.16.1 a), page 111 |
| 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 | „Schäden aus der Ausübung eines Heilberufs“ | A6-7.18, page 114 |
| Planning and site management activities (architects, engineers, building authorities) excluded | yes | „Bauarbeiten irgendwelcher Art und wegen“ | A6-7.21, page 115 |
| Approved secondary employment and secondary offices included | yes | „soweit sie nicht dienstlich angeordnet sind.“ | A6-7.19, page 115 |
| Cover for further public sector employees in the same household (partner, children) | yes | „namentlich genannten Versicherungsnehmers“ | A6-1, page 102 |
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 | „Schadensersatz- und Regressansprüche des“ | A6-3.1, page 102 |
| Direct loss suffered by the employer (first-party loss, in Austria organ liability) | yes, up to the sum insured | „unmittelbar zugefügter Schäden.“ | Produktinformationsblatt Dienst- und Amtshaftpflicht, page 6 |
| Direct claims by third parties (personal liability) | yes, up to the sum insured | „Ansprüche geschädigter Dritter gegen“ | Produktinformationsblatt Dienst- und Amtshaftpflicht, page 6 |
| Gross negligence covered without reduction of benefits | not addressed | ||
| Defence against unfounded claims | yes | „b) die Abwehr unberechtigter“ | A6-4.1, page 103 |
| Defence costs count towards the sum insured | none | „werden nicht auf die Versicherungssummen“ | A6-5.4, page 104 |
| Costs of criminal defence and disciplinary proceedings | yes, up to the sum insured | „vereinbarten höheren Kosten des Verteidigers.“ | A6-4.3, page 103 |
| Bodily injury to colleagues from accidents at work (recourse by employer or social insurance carrier) | no | „Dienst- und Arbeitsunfälle, Berufskrankheiten“ | A6-7.17, page 114 |
| Breach of the duty of supervision over pupils, children or persons in care | yes | „Leitung und/oder Beaufsichtigung von“ | A6-6.16.1 b), page 111 |
Keys, official property and vehicles
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of official keys and code cards | yes, up to EUR 100,000 | „Versicherungsfall 100.000 EUR.“ | A6-6.1, page 105 |
| Consequential costs of key loss (replacement of locking system, security measures) | yes, up to EUR 100,000 | „bis zu 14 Tagen“ | A6-6.1, page 105 |
| Deductible for key loss | not addressed | ||
| Loss of official property (equipment, devices owned by the employer) | yes, up to EUR 2,500 | „beträgt je Versicherungsfall 2.500 EUR.“ | A6-6.2, page 105 |
| Damage to official property entrusted for official use | yes, up to EUR 10,000 | „Versicherungssumme bis 10.000 EUR je“ | A6-6.7.1, page 107 |
| Service weapon: carrying, use and loss | yes, up to the sum insured | „von Waffen sowie Munition und Geschossen.“ | A6-6.8, page 108 |
| Service dogs and service horses (keeping and handling) | yes | „Halten, Hüten und Führen von Tieren, soweit“ | A6-6.9, page 108 |
| Cash shortages and shortfalls of money or valuables | yes, up to EUR 3,000 | „Kassenfehlbeträgen ist auf 3.000 EUR für jeden“ | A6-6.12.5, page 108 |
| Recourse for damage to the official vehicle (employer recovery of own damage) | yes, up to EUR 50,000 | „50.000 EUR für Personen und Sachschäden für“ | A6-6.4.3, page 107 |
| Recourse by employer or motor insurer after an accident with the official vehicle (third-party damage) | yes, up to EUR 1 million | „beträgt je Versicherungsfall 1.000.000 EUR für“ | A6-6.4.3, page 107 |
| Loss from deletion or loss of data and damage to official IT | yes, up to EUR 1 million | „1.000.000 EUR max. jedoch 100.000 EUR für“ | A6-6.13.6, page 110 |
| Loss of files, deeds and documents | not addressed |
Exclusions and limits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Wilful intent excluded | yes | „aller Personen, die den Schaden vorsätzlich“ | A6-7.1, page 112 |
| Knowing breach of duty and deliberate deviation from rules or instructions excluded | yes | „wissentlicher Pflichtverletzung; es besteht“ | A6-7.29, page 115 |
| 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 | yes, up to the sum insured | „Datenschutzgesetzen durch Verwendung“ | A6-6.12.6, page 108 |
| Claims for discrimination, harassment or violation of personal rights | no | „sonstigen Diskriminierungen.“ | A6-7.10, page 113 |
| Environmental and water damage arising from official duties | yes, up to the sum insured | „Umwelteinwirkung.“ | A6-6.14, page 112 |
| 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 | „außerhalb Europas von bis zu 12 Monaten.“ | A6-6.10.1 c), page 108 |
| Retroactive cover for wrongful acts before inception | not addressed | ||
| Extended reporting period after termination, retirement or leaving the service | yes | „a) gilt für die Dauer von 6 Jahren vom Zeitpunkt“ | A6-9, page 116 |
| 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 | yes | „Jahr. Er verlängert sich nicht, wenn einer der“ | B2-1.2, page 144 |
| Notice period at expiry, daily right of cancellation | yes | „Vertragsparteien spätestens drei Monate vor“ | B2-1.2, page 144 |
| Contract ends or is suspended on leaving the service, parental leave or leave of absence | yes | „versicherte Person aus disziplinarischen“ | A6-9, page 116 |
| 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 | yes | „innerhalb einer Woche anzuzeigen, auch wenn“ | B3-3.2, page 148 |
| Acknowledgement or payment without the insurer consent does not bind the insurer | yes | „worden sind, binden den Versicherer nur, soweit“ | A6-4.1, page 103 |
| Notification of changed duties, pay grade or risk group required | yes | „Teilen Sie uns mit, ob und in welcher Form sich das versicherte Risiko verändert hat …“ | Produktinformationsblatt Dienst- und Amtshaftpflicht, page 6 |
| 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
- Die Haftpflichtkasse VVaG
- Distribution
- available through brokers
- Verbraucherinformationen Privat-, Tierhalter- sowie Dienst- und Amts-Haftpflichtversicherung Edition: Stand 01/2025 (PHV Einfach Gut/Besser/Komplett, Abschnitt A6) Copy hosted by an intermediary, not by the insurer
- Verbraucherinformationen PHV und THV mit BBR Dienst- und Amts-Haftpflichtversicherung Edition: Stand 02/2019 (BBR Dienst- und Amts-Haftpflichtversicherung 01.01.2018) 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 Die Haftpflichtkasse Haftpflichtkasse Dienst- und Amts and
available as plain text.
Volltext Die Haftpflichtkasse Haftpflichtkasse Dienst- und Amts Diensthaftpflicht · As text (Markdown) Die Haftpflichtkasse Haftpflichtkasse Dienst- und Amts Public servant liability