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Interlloyd BBR Land- und Forstwirtschaft Businesssecure: the policy wording in full
Betriebshaftpflicht BusinessSecure für Land- und Forstwirtschaft, in der Pferdehaltung, Reitlehrerrisiko mit Lizenz und Schäden an Pensionstieren bis 10.000 Euro als Deckungserweiterung 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 Interlloyd BBR Land- und
Forstwirtschaft Businesssecure.
Basics and insured operation
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Dedicated riding stable product or module of a farm or business liability policy | yes | „Gesetzliche Haftpflicht des VN aus dem Halten/Hüten von Pferden, Kleinpferden, Ponys …“ | Deckungserweiterungen Gewerbliche Tierhaltung, page 5 |
| Riding school with commercial riding lessons covered | yes | „Reitlehrerrisiko des VN und/oder des angestellten Reitlehrers, jedoch nur, sofern die …“ | Deckungserweiterungen Gewerbliche Tierhaltung, page 5 |
| Livery yard (boarding of third party horses) covered | yes | „Schäden an Pensionstieren anlässlich Unterstellung, Fütterung, Pflege, Weidegang der Tiere“ | Deckungserweiterungen Gewerbliche Tierhaltung, page 5 |
| Horse hire and unaccompanied rides | not addressed | ||
| Guided hacks and trail rides | not addressed | ||
| Therapeutic riding and vaulting | no | „Nicht versichert ist die persönliche Haftpflicht des haupt-/freiberuflichen Reitlehrers …“ | Deckungserweiterungen Gewerbliche Tierhaltung, page 5 |
| Schooling and training of third party horses | not addressed | ||
| Horse breeding and stud services | not addressed | ||
| Carriage driving and rides | yes | „Veranstaltung und Durchführung von Kutschen- und Planwagenfahrten in eigener Regie.“ | Deckungserweiterungen Gewerbliche Tierhaltung, page 5 |
| Riding holidays with accommodation and camps | not addressed | ||
| Shows, competitions and clinics held by the operation | yes | „Betriebliche Veranstaltungen (z.B. Betriebsfeiern/-ausflüge, „Tag der offenen Tür““ | Betriebsstättenrisiko, page 2 |
Business liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit of indemnity for bodily injury and property damage | yes, up to EUR 3 million | „3.000.000 € pauschal für Personen-, Sach- und mitversicherter Vermögensschäden“ | Deckungssummen, page 1 |
| Pure financial loss | yes, up to the sum insured | „Vermögensschäden aus der Verletzung von Datenschutzgesetzen durch Missbrauch …“ | Betriebsstättenrisiko, page 4 |
| Keeper's liability for the operation's own horses including school horses | yes, up to the sum insured | „Gesetzliche Haftpflicht des VN aus dem Halten/Hüten von Pferden, Kleinpferden, Ponys …“ | Deckungserweiterungen Gewerbliche Tierhaltung, page 5 |
| Liability as keeper of boarded and client horses | yes, up to the sum insured | „Gesetzliche Haftpflicht des VN aus dem Halten/Hüten von Pferden, Kleinpferden, Ponys …“ | Deckungserweiterungen Gewerbliche Tierhaltung, page 5 |
| 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 | yes | „Reitlehrerrisiko des VN und/oder des angestellten Reitlehrers, jedoch nur, sofern die …“ | Deckungserweiterungen Gewerbliche Tierhaltung, page 5 |
| Volunteers, trainees and part-loaners covered | not addressed | ||
| Premises liability for yard, arena and pastures | yes, up to the sum insured | „Haus- und Grundbesitzerhaftpflicht aus der Nutzung der Betriebsgebäude und -grundstücke …“ | Betriebsstättenrisiko, 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 500 | „Lagerung von Sickersäften aus Silos sowie von Jauche und Gülle“ | Umwelthaftpflicht-Risiko, page 7 |
| Self propelled machines and yard vehicles not subject to registration | yes, up to the sum insured | „selbstfahrende Arbeitsmaschinen mit nicht mehr als 20 km/h bauartbedingter …“ | Gebrauch nicht versicherungspflichtiger Fahrzeuge, page 3 |
| Damage to rented arenas, stables and show stalls | yes, up to EUR 1 million | „an zu betrieblichen Zwecken gemieteten (nicht geleasten) Gebäuden und/oder Räumen“ | Mietsachschäden, page 4 |
| Cover abroad (shows, trail rides abroad) | yes | „aus Anlass von Geschäftsreisen oder aus der Teilnahme an Ausstellungen, Kongressen …“ | Auslandsschäden, page 3 |
Care, custody and third party horses
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Care and custody damage to boarded horses (injury, death) | yes, up to EUR 10,000, excess EUR 250 | „Schäden an Pensionstieren anlässlich Unterstellung, Fütterung, Pflege, Weidegang der …“ | Deckungserweiterungen Gewerbliche Tierhaltung, page 5 |
| Limit per boarded horse | yes, up to EUR 10,000 | „Schäden an Pensionstieren anlässlich Unterstellung, Fütterung, Pflege, Weidegang der Tiere“ | Deckungserweiterungen Gewerbliche Tierhaltung, page 5 |
| Deductible for care and custody damage | EUR 250 | „Schäden an Pensionstieren anlässlich Unterstellung, Fütterung, Pflege, Weidegang der Tiere“ | Deckungserweiterungen Gewerbliche Tierhaltung, page 5 |
| Damage to client horses during lessons and schooling | no | „nicht jedoch Schäden an den Tieren anlässlich des Reitens“ | Deckungserweiterungen Gewerbliche Tierhaltung, page 5 |
| Damage to third party horses in own trailer | not addressed | ||
| Damage to boarders' tack and equipment | no | „sowie Schäden an Zaum- und Sattelzeug und sonstigem Zubehör“ | Deckungserweiterungen Gewerbliche Tierhaltung, page 5 |
| Feeding errors and contaminated feed | yes, up to EUR 10,000 | „Schäden an Pensionstieren anlässlich Unterstellung, Fütterung, Pflege, Weidegang der Tiere“ | Deckungserweiterungen Gewerbliche Tierhaltung, page 5 |
| 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) | yes | „Reitlehrerrisiko des VN und/oder des angestellten Reitlehrers, jedoch nur, sofern die …“ | Deckungserweiterungen Gewerbliche Tierhaltung, page 5 |
| 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) | yes, up to the sum insured | „Ansprüche mitversicherter Personen untereinander“ | Betriebsstättenrisiko, page 3 |
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) | not addressed | ||
| Innovation clause (automatic upgrade to new terms) | no | „B edingungsweiterentwicklung“ | Premium Deckungserweiterungen, page 6 |
| Defence against unfounded claims and criminal defence | yes, up to the sum insured | „Kostenübernahme im Strafverfahren“ | Betriebsstättenrisiko, page 4 |
| 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.
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Policy wordings and provider
- Legal entity
- Interlloyd Versicherungs-Aktiengesellschaft
- Distribution
- available through brokers
- Besondere Bedingungen und Risikobeschreibungen Land- und Forstwirtschaft, Leistungsbeschreibung busec 2020 Edition: Business Secure, Stand 01.2026 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 Interlloyd BBR Land- und Forstwirtschaft Businesssecure and
available as plain text.
Volltext Interlloyd BBR Land- und Forstwirtschaft Businesssecure Reitbetrieb · As text (Markdown) Interlloyd BBR Land- und Forstwirtschaft Businesssecure Riding stables