Insurance broker / Riding stable insurance / Policy wording archive Riding stables
Allianz Land- und Forstwirtschaft: the policy wording in full
Betriebshaftpflicht für land- und forstwirtschaftliche Betriebe, in der Halten und Hüten von Reit- und Pensionspferden sowie Schäden an Pensionspferden bis 20.000 Euro gesondert vereinbart werden können.
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Everything about this policy
What the policy covers: 63 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Allianz Land- und Forstwirtschaft.
Basics and insured operation
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Dedicated riding stable product or module of a farm or business liability policy | yes | „Halten, Hüten, Verwenden von Reit- oder Pensionspferden, sonstigen Reittieren, Hunden“ | Welche Risiken können gesondert vereinbart werden, page 2 |
| Riding school with commercial riding lessons covered | not addressed | ||
| Livery yard (boarding of third party horses) covered | yes | „Halten, Hüten, Verwenden von Reit- oder Pensionspferden, sonstigen Reittieren, Hunden“ | Welche Risiken können gesondert vereinbart werden, page 2 |
| Horse hire and unaccompanied rides | not addressed | ||
| Guided hacks and trail rides | not addressed | ||
| Therapeutic riding and vaulting | not addressed | ||
| Schooling and training of third party horses | not addressed | ||
| Horse breeding and stud services | not addressed | ||
| Carriage driving and rides | not addressed | ||
| Riding holidays with accommodation and camps | not addressed | ||
| Shows, competitions and clinics held by the operation | not addressed |
Business liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit of indemnity for bodily injury and property damage | yes, up to the sum insured | „Wir stellen Sie im Rahmen der von Ihnen gewählten Versicherungssummen von berechtigten …“ | Einleitung, page 1 |
| Pure financial loss | yes, up to the sum insured | „Vermögensschäden inklusive Datenschutzrisiken“ | Weitere Inhalte, page 2 |
| Keeper's liability for the operation's own horses including school horses | yes, up to the sum insured | „Halten, Hüten, Verwenden von Reit- oder Pensionspferden, sonstigen Reittieren, Hunden“ | Welche Risiken können gesondert vereinbart werden, page 2 |
| Liability as keeper of boarded and client horses | yes, up to the sum insured | „Halten, Hüten, Verwenden von Reit- oder Pensionspferden, sonstigen Reittieren, Hunden“ | Welche Risiken können gesondert vereinbart werden, page 2 |
| Claims of injured pupils and clients from riding activities | not addressed | ||
| Cover for liability assumed by contract (e.g. livery agreement) | not addressed | ||
| Employed and freelance instructors and riders covered | not addressed | ||
| Volunteers, trainees and part-loaners covered | yes | „Übrige Betriebsangehörige/in den Betrieb eingegliederte Personen“ | Mitversicherte Personen, page 1 |
| Premises liability for yard, arena and pastures | yes, up to the sum insured | „Risiken aus Haus- und Grundbesitz Vermietung, Verpachtung von Teilen des …“ | Risiken aus Haus- und Grundbesitz, page 1 |
| Damage by escaped horses (fencing, road traffic) | not addressed | ||
| Environmental liability and damage (manure, slurry, fuel oil) | yes, up to the sum insured, excess EUR 250 | „Lagerung von im versicherten Betrieb angefallenen Sickersäften, Jauche, Gülle, die auf …“ | Umweltrisiken, Mitversicherte Anlagen, page 2 |
| Self propelled machines and yard vehicles not subject to registration | yes, up to the sum insured | „Selbstfahrende Arbeitsmaschinen und Gabelstapler mit nicht mehr als 20 km/h …“ | Kraftfahrzeuge, page 1 |
| Damage to rented arenas, stables and show stalls | yes, up to the sum insured | „Mietsachschäden An gemieteten, gepachteten (nicht geleasten) Gebäuden/Räumen“ | Mietsachschäden, page 2 |
| Cover abroad (shows, trail rides abroad) | yes | „Anlässlich Geschäftsreisen (auch Teilnahme an Ausstellungen, Messen etc.) weltweit“ | Auslandsrisiken, page 2 |
Care, custody and third party horses
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Care and custody damage to boarded horses (injury, death) | yes, up to EUR 20,000, excess EUR 500 | „Schäden an Pensionspferden (SB 20 %, mindestens 500 EUR)“ | Welche Risiken können gesondert vereinbart werden, page 2 |
| Limit per boarded horse | yes, up to EUR 20,000 | „Schäden an Pensionspferden (SB 20 %, mindestens 500 EUR) 20.000 EUR“ | Welche Risiken können gesondert vereinbart werden, page 2 |
| Deductible for care and custody damage | EUR 500 | „Schäden an Pensionspferden (SB 20 %, mindestens 500 EUR)“ | Welche Risiken können gesondert vereinbart werden, page 2 |
| Damage to client horses during lessons and schooling | not addressed | ||
| Damage to third party horses in own trailer | not addressed | ||
| Damage to boarders' tack and equipment | not addressed | ||
| Feeding errors and contaminated feed | not addressed | ||
| Transmission of disease between horses in the yard | not addressed | ||
| Loss of use and depreciation of a client horse | not addressed | ||
| Veterinary costs for an injured client horse | not addressed |
Arena, stables and contents
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Building cover for arena, stables and outbuildings | not addressed | ||
| Snow load and storm damage to arena roofs | not addressed | ||
| Further natural hazards (flood, heavy rain) | not addressed | ||
| Arena surface, kickboards and outdoor ring | not addressed | ||
| Horse walkers, solar and technical equipment | not addressed | ||
| Contents, tack room and feed stocks | not addressed | ||
| Theft from tack room and stables | not addressed | ||
| Replacement value and waiver of underinsurance | not addressed |
Horse stock and business interruption
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Own horses against fire, lightning and storm | not addressed | ||
| Livestock mortality cover for school horses (death, emergency slaughter) | not addressed | ||
| Death by electrocution (electric fence, wiring) | not addressed | ||
| Rescue, evacuation and emergency stabling of horses | not addressed | ||
| Business interruption (loss of livery and lesson income) | not addressed | ||
| Closure due to animal disease or official quarantine | not addressed |
Exclusions, deductible and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| General deductible | not addressed | ||
| Requirement for riding helmet, body protector or equipment | not addressed | ||
| Required instructor qualification (licence, national federation) | not addressed | ||
| Waivers or livery contract required | not addressed | ||
| Exclusion of racing, jumping or eventing | not addressed | ||
| Limit on number of horses or notice of every change | not addressed | ||
| Grossly negligent damage covered | not addressed | ||
| Claims between employees (workplace accidents) | not addressed |
Term and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Policy term and notice period | not addressed | ||
| Cancellation right after a claim | not addressed | ||
| Automatic cover for new risks (new arena, new services) | yes, up to the sum insured | „Vorsorgeversicherung für neu entstandene Risiken“ | Ergänzend zum versicherten Risiko, page 1 |
| Innovation clause (automatic upgrade to new terms) | not addressed | ||
| Defence against unfounded claims and criminal defence | yes, up to the sum insured | „Unberechtigte Ansprüche gegen Sie wehren wir ab“ | Einleitung, page 1 |
| Extraordinary risks via Consorcio de Compensación de Seguros (Spain only) | 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
- Allianz Versicherungs-Aktiengesellschaft
- Distribution
- through tied agents
- Kurzübersicht Betriebshaftpflicht land- und forstwirtschaftlicher Betriebe (FH 0100) Edition: Kurzübersicht FH 0100, Auszug aus H 8009 (0004) 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 Allianz Land- und Forstwirtschaft and available as plain text.
Volltext Allianz Land- und Forstwirtschaft Reitbetrieb · As text (Markdown) Allianz Land- und Forstwirtschaft Riding stables