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Die Haftpflichtkasse Haftpflichtkasse Hotel und Gastronomie: the policy wording in full
Betriebshaftpflicht für Hotels, Gaststätten und Diskotheken mit Gastwirtshaftung, unbewachter Garderobe, Gästefahrzeugen, Mietsachschäden und Schlüsselverlust; Sachversicherung nicht enthalten.
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Everything about this policy
What the policy covers: 64 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Die Haftpflichtkasse
Haftpflichtkasse Hotel und Gastronomie.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form: hospitality package with its own wording or bundle of separate covers | yes | „Betriebshaftpflicht-Versicherung für Hotel- und Gastronomiebetriebe, Diskotheken“ | Deckungsübersicht, page 1 |
| Insurable business types (restaurant, café, bar, takeaway, hotel, guesthouse, nightclub) | yes | „Spezielle Deckungsinhalte für Gaststättenbetriebe, Diskotheken, Imbissbetriebe“ | Deckungsübersicht, page 3 |
| All-risks cover for contents | not addressed | ||
| Sum insured for fittings, stock and supplies (replacement value) | not addressed | ||
| Waiver of underinsurance (no average, e.g. sum by floor area) | not addressed | ||
| Tenant's improvements (bar counter, floors, fitted kitchen) | not addressed | ||
| Outdoor terrace furniture, heaters, parasols and awnings | not addressed | ||
| Employees' personal property | yes, up to EUR 30,000 | „Beschädigung/Abhandenkommen von Patienten-, Besucher- und Belegschaftshabe 30.000 EUR“ | Deckungsübersicht, page 1 |
Public liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Liability limit for bodily injury and property damage | not addressed | ||
| Guests' property brought in (innkeeper's liability) | yes, up to EUR 3,500 | „Eingebrachte Sachen 3.500 EUR Gefährdungshaftung (gemäß §§ 701 ff. BGB), je Gast und Tag“ | Spezielle Deckungsinhalte für Hotelbetriebe, page 2 |
| Cloakroom: loss of or damage to checked clothing | yes, up to EUR 25,000 | „Schäden an unbewachter Garderobe; je Gast und Tag 25.000 EUR“ | Spezielle Deckungsinhalte für Hotelbetriebe, page 2 |
| Guests' vehicles (valet parking, hotel garage) | yes, up to EUR 100,000 | „Schäden an eingestellten Kfz der Beherbergungsgäste (gesetzliche Haftpflicht); je Kfz …“ | Spezielle Deckungsinhalte für Hotelbetriebe, page 2 |
| Food poisoning and damage from spoiled food or drinks | yes, up to the sum insured | „aus hergestellten/gelieferten Erzeugnissen und erbrachten Arbeiten/sonstigen Leistungen“ | Produkt-Haftpflichtrisiko, page 2 |
| Catering and events off the premises | yes, up to EUR 1 million | „Ausrichtung von Veranstaltungen, Tagungen, Kurzveranstaltungen, Festveranstaltungen …“ | Deckungsübersicht, page 1 |
| Delivery service and takeaway sales | not addressed | ||
| Damage to rented or leased premises | yes, up to EUR 3 million | „an Gebäuden und Räumen durch Brand, Explosion, Leitungswasser und Abwässer; 3.000.000 EUR“ | Mietsachschäden, page 1 |
| Loss of third-party keys and key cards (including hotel locking system) | yes, up to EUR 100,000, excess EUR 100 | „Schlüsselschäden: Abhandenkommen von fremden Schlüsseln und Codekarten“ | Deckungsübersicht, page 2 |
| Door and security staff, including contractors | not addressed | ||
| Dance, music and special events, nightclub operation | yes, up to the sum insured | „Betriebshaftpflicht-Versicherung für Hotel- und Gastronomiebetriebe, Diskotheken“ | Deckungsübersicht, page 1 |
| Hotel amenities: pool, sauna, spa, gym, playground | yes, up to the sum insured | „Schwimmbäder, Saunen, Solarien, hoteleigene Wellness-Einrichtungen, Tennis-, Squash …“ | Spezielle Deckungsinhalte für Hotelbetriebe, page 2 |
| Guest shuttle and rental of bicycles or sports equipment | not addressed | ||
| Environmental damage under environmental liability law (grease trap, oil tank) | yes, up to EUR 3 million | „Zusätzlich sind gemäß Baustein 2.9 Öl-/Fettabscheider und Behältnisse zur Lagerung …“ | Umweltschadens-Basisversicherung, page 2 |
Contents: insured perils
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire, lightning, explosion, including kitchen grease fire | not addressed | ||
| Burglary and vandalism after break-in | not addressed | ||
| Robbery on the premises and in transit to the bank | not addressed | ||
| Cash and daily takings in locked container or safe | not addressed | ||
| Simple theft without forced entry (guests, terrace) | not addressed | ||
| Escape of water, also from beverage dispensers, dishwashers and cooling lines | not addressed | ||
| Storm and hail | not addressed | ||
| Further natural hazards: flood, heavy rain, backflow, earthquake, snow load | not addressed | ||
| Vandalism without break-in and graffiti on façade and windows | not addressed |
Hospitality modules
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Glass breakage: shop windows, counter tops, display cases, mirrors, ceramic hobs | not addressed | ||
| Illuminated signs and advertising installations | not addressed | ||
| Spoilage of chilled and frozen goods after breakdown or power failure | not addressed | ||
| Chilled goods also covered after public grid failure | not addressed | ||
| Electronics: POS, card terminal, ordering and booking systems | not addressed | ||
| Machinery breakdown of kitchen and bar equipment | not addressed | ||
| Loss of beverages from leaking kegs, lines or tanks | not addressed | ||
| Legal expenses as package module | yes, up to EUR 100,000 | „Erweiterter Strafrechtschutz (Selbstbehalt: 10 % je Verfahren) 100.000 EUR“ | Deckungsübersicht, page 1 |
| Cyber module: data loss, hacking, POS or booking system outage | not addressed |
Business interruption and closure
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Business interruption after insured property damage | not addressed | ||
| Indemnity period in months | not addressed | ||
| Time excess (waiting period) for business interruption | not addressed | ||
| Closure by authorities due to infection risk or hygiene defects | not addressed | ||
| Pandemic or general closure orders excluded | not addressed | ||
| Disinfection, destruction of stock and work bans for staff | not addressed | ||
| Interruption by public utility failure | not addressed | ||
| Denial of access due to damage in the vicinity | not addressed | ||
| Contingent business interruption at suppliers or customers | not addressed | ||
| Increased cost of working (temporary kitchen, rental equipment) | not addressed |
Costs and extensions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Debris removal and disposal costs | not addressed | ||
| Lock replacement costs | not addressed | ||
| Damage to the building caused by burglary | not addressed | ||
| Automatic cover for new values and external cover (fairs, storage, food truck) | not addressed | ||
| Terrorism cover | not addressed | ||
| Update clause (later improved wording applies) | not addressed |
Obligations, deductible and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Special safety rules for restaurants (ashtrays, fryers, switch-off after closing) | not addressed | ||
| Mandatory cleaning intervals for extractor hoods and grease filters | not addressed | ||
| Rules for storing cash overnight (safe class, maximum amounts) | not addressed | ||
| Duties during seasonal closure or vacancy | not addressed | ||
| Waiver of reduction for gross negligence | not addressed | ||
| Deductible per claim | not addressed | ||
| Contract term and notice period | not addressed | ||
| Insurer's right to cancel after a claim | not addressed |
Evaluated by NAMMERT from published policy wordings.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- Die Haftpflichtkasse VVaG
- Distribution
- available through brokers
- Deckungsübersicht Betriebshaftpflicht für Hotel- und Gastronomiebetriebe (DV BHV Hotel) Edition: Stand 01.07.2017 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 Hotel und Gastronomie
and available as plain text.
Volltext Die Haftpflichtkasse Haftpflichtkasse Hotel und Gastronomie Gastronomieversicherung · As text (Markdown) Die Haftpflichtkasse Haftpflichtkasse Hotel und Gastronomie Restaurant insurance