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Die Haftpflichtkasse Haftpflichtkasse Landwirtschaft mit Pensionspferden: the policy wording in full
Landwirtschaftliche Betriebshaftpflicht der Haftpflichtkasse; Pensionspferde und Reittierverleih nur nach Vereinbarung, Schäden an Pensionspferden bis 20.000 Euro je Fall und 40.000 Euro je Jahr mit 250 Euro Selbstbeteiligung.
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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 Die Haftpflichtkasse
Haftpflichtkasse Landwirtschaft mit Pensionspferden.
Basics and insured operation
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Dedicated riding stable product or module of a farm or business liability policy | no | „Besondere Bedingungen und Risikobeschreibungen (BBR) für Landwirtschaftliche Betriebe“ | Titel, page 1 |
| Riding school with commercial riding lessons covered | not addressed | ||
| Livery yard (boarding of third party horses) covered | yes | „dem Halten, Hüten und Verwenden von Tieren zu nicht landwirtschaftlichen Zwecken (z. B …“ | Teil B 2.3.1, page 22 |
| Horse hire and unaccompanied rides | yes | „Pensionspferde und Verleih von Reittieren gegen Zuschlag“ | Deckungsübersicht, page 3 |
| 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 | yes | „aus dem Halten von Nutztieren zum Belegen fremder Tiere.“ | Teil B 1.9.2, page 20 |
| Carriage driving and rides | yes | „aus der Verwendung von Kutschen.“ | Teil B 1.9.3, page 19 |
| Riding holidays with accommodation and camps | yes | „Mitversichert ist die gesetzliche Haftpflicht aus der Beherbergung von Feriengästen …“ | Teil B 1.6, page 20 |
| Shows, competitions and clinics held by the operation | yes | „aus der Ausrichtung von Veranstaltungen und Tagungen sowie Kurzveranstaltungen und …“ | Teil A 5.3.3, page 7 |
Business liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit of indemnity for bodily injury and property damage | yes, up to the sum insured | „Die Versicherungssumme je Versicherungsfall für nach den Vertragsteilen A., B. und C …“ | Teil A 2.1.1, page 4 |
| Pure financial loss | yes, up to the sum insured | „Vermögensschäden nach Maßgabe des Vertragsteils A., Ziff. 7.14.“ | Teil A 5.2, page 7 |
| Keeper's liability for the operation's own horses including school horses | yes, up to the sum insured | „dem Halten, Hüten und Verwenden von Tieren zu eigenen landwirtschaftlichen Zwecken (z …“ | Teil B 1.9.1, page 20 |
| Liability as keeper of boarded and client horses | yes, up to the sum insured | „dem Halten, Hüten und Verwenden von Tieren zu nicht landwirtschaftlichen Zwecken“ | Teil B 2.3.1, page 20 |
| 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 | not addressed | ||
| Premises liability for yard, arena and pastures | yes, up to the sum insured | „mitversichert gilt hier die gesetzliche Haftpflicht als Eigentümer, Mieter, Pächter …“ | Teil A 5.3.1, page 6 |
| Damage by escaped horses (fencing, road traffic) | yes, up to the sum insured | „Mitversichert ist die gesetzliche Haftpflicht aus Flurschäden anlässlich des …“ | Teil B 1.3, page 20 |
| Environmental liability and damage (manure, slurry, fuel oil) | yes, up to EUR 3 million | „3.000.000 EUR pauschal für Personen-, Sach- und Vermögensschäden“ | Teil A 2.2, page 5 |
| Self propelled machines and yard vehicles not subject to registration | yes, up to the sum insured | „Besitz, Halten und Gebrauch von nicht zulassungs- und nicht versicherungspflichtigen …“ | Deckungsübersicht, page 1 |
| Damage to rented arenas, stables and show stalls | yes, up to EUR 3 million | „anlässlich von Dienst- und Geschäftsreisen an gemieteten Räumen in Gebäuden“ | Teil A 7.12.1, page 12 |
| Cover abroad (shows, trail rides abroad) | yes | „wegen im Ausland vorkommender Schadenereignisse“ | Teil A 7.1.1, page 9 |
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 | „Schäden an Pensionstieren und untergestellten Pensionspferden.“ | Teil B 2.3.2, page 22 |
| Limit per boarded horse | yes, up to EUR 20,000 | „beträgt die Versicherungssumme je Versicherungsfall 20.000 EUR“ | Teil B 2.3.2, page 5 |
| Deductible for care and custody damage | EUR 250 | „Der Versicherungsnehmer beteiligt sich an jedem Schaden mit 250 EUR.“ | Teil B 2.3.2, page 11 |
| Damage to client horses during lessons and schooling | yes, up to the sum insured | „Die Ziffern 7.7 (Tätigkeitsschäden), 7.8 (Be- und Entladeschäden) Teil A dieser BBR …“ | Teil B 2.3.2, page 22 |
| 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 | yes, up to the sum insured | „Bis zur Höhe eines vereinbarten Selbstbehaltes beteiligt sich der Versicherungsnehmer …“ | Teil A 3.1, page 6 |
| 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 | yes | „Der Vertrag verlängert sich von Jahr zu Jahr, wenn er nicht spätestens drei Monate vor …“ | Teil A 1.1, page 2 |
| Cancellation right after a claim | not addressed | ||
| Automatic cover for new risks (new arena, new services) | yes, up to the sum insured | „Für Risiken, die für den Versicherungsnehmer nach Abschluss der Versicherung neu …“ | Teil A 1.7, page 3 |
| Innovation clause (automatic upgrade to new terms) | not addressed | ||
| Defence against unfounded claims and criminal defence | yes, up to EUR 100,000 | „übernimmt die Haftpflichtkasse in einem Straf- oder Ordnungswidrigkeitenverfahren“ | Teil A 1.10, page 4 |
| Extraordinary risks via Consorcio de Compensación de Seguros (Spain only) | not addressed |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- Die Haftpflichtkasse VVaG
- Distribution
- available through brokers
- Besondere Bedingungen und Risikobeschreibungen für landwirtschaftliche Betriebe Edition: Stand 01/2026 Original from the insurer (PDF, German)
- Deckungsübersicht Betriebshaftpflicht Landwirte Edition: 01.07.2018 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 Landwirtschaft mit
Pensionspferden and available as plain text.
Volltext Die Haftpflichtkasse Haftpflichtkasse Landwirtschaft mit Pensionspferden Reitbetrieb · As text (Markdown) Die Haftpflichtkasse Haftpflichtkasse Landwirtschaft mit Pensionspferden Riding stables