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Itzehoer Landwirtschaftliche: the policy wording in full
Landwirtschaftliche Betriebshaftpflicht nach AHB 2020, in der Pferdehaltung und Schäden an Pensionstieren bis 20.000 Euro je Tier als Besondere Vereinbarung möglich sind, gewerblicher Reitunterricht und Pferdevermietung jedoch nicht.
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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 Itzehoer Landwirtschaftliche.
Basics and insured operation
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Dedicated riding stable product or module of a farm or business liability policy | yes | „Nur gültig, sofern ausdrücklich beantragt und im Versicherungsschein/Nachtrag beurkundet.“ | Position IV. Besondere Vereinbarungen, page 18 |
| Riding school with commercial riding lessons covered | no | „aus der Erteilung von Reitunterricht, sofern dieser nicht zu gewerblichen Zwecken erfolgt“ | Position IV. Ziffer 1.2.1.5, page 18 |
| Livery yard (boarding of third party horses) covered | yes | „wegen Schäden an vom Versicherungsnehmer in Obhut genommenen Reittieren …“ | Position IV. Ziffer 1.2.2.2, page 18 |
| Horse hire and unaccompanied rides | no | „aus der Vermietung oder dem gewerbsmäßigen Verleih von Reittieren.“ | Position IV. Ziffer 1.2.2.3, page 18 |
| Guided hacks and trail rides | not addressed | ||
| Therapeutic riding and vaulting | yes | „aus der privaten Nutzung des Pferdes zu therapeutischen Zwecken“ | Position IV. Ziffer 1.2.1.4, page 18 |
| Schooling and training of third party horses | not addressed | ||
| Horse breeding and stud services | yes | „aus Halten und Hüten und Verwenden von Nutztieren (auch Zuchtpferde, Fohlen bis zu 2 …“ | Position I. Ziffer 2.1, page 12 |
| Carriage driving and rides | not addressed | ||
| Riding holidays with accommodation and camps | yes | „Ebenfalls eingeschlossen ist der Verleih und die Vermietung von Reitpferden an …“ | Position I. Ziffer 2.11, page 12 |
| Shows, competitions and clinics held by the operation | yes | „aus der Durchführung von behördlich genehmigten Brauchtumsveranstaltungen und von dem …“ | Position I. Ziffer 2.12, page 12 |
Business liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit of indemnity for bodily injury and property damage | yes, up to the sum insured | „Die Entschädigungsleistung des Versicherers ist bei jedem Versicherungsfall auf die …“ | AHB § 6 Ziffer 1, page 6 |
| Pure financial loss | yes, up to the sum insured | „Eingeschlossen ist - abweichend von Abschnitt B. § 7 Ziffer 15.4 und 16 AHB - die …“ | Position I. Ziffer 2.27, page 14 |
| Keeper's liability for the operation's own horses including school horses | yes, up to the sum insured | „aus dem Halten von Pferden“ | Position IV. Ziffer 1.2.1.1, page 18 |
| Liability as keeper of boarded and client horses | not addressed | ||
| 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 | „aus der unentgeltlichen Überlassung/Leihe von Pferden an Dritte (Fremdreiterrisiko)“ | Position IV. Ziffer 1.2.1.6, page 18 |
| Premises liability for yard, arena and pastures | yes, up to the sum insured | „des Versicherungsnehmers als Haus- und/oder Grundstücksbesitzer (z. B. als Eigentümer …“ | Position IV. Ziffer 9, page 19 |
| Damage by escaped horses (fencing, road traffic) | not addressed | ||
| Environmental liability and damage (manure, slurry, fuel oil) | yes, up to the sum insured | „aus der Lagerung von Sickersäften aus Silos sowie von Jauche und Gülle“ | Position VI. Ziffer 3.1.1, page 20 |
| Self propelled machines and yard vehicles not subject to registration | yes, up to the sum insured | „selbstfahrenden Arbeitsmaschinen (auch Lade- und Planiergeräte und Hub- und …“ | Position I. Ziffer 2.8, page 13 |
| Damage to rented arenas, stables and show stalls | yes, up to the sum insured, excess EUR 100 | „die gesetzliche Haftpflicht aus der Beschädigung von zu privaten Zwecken gemieteten …“ | Position IV. Ziffer 1.2.3.1, page 18 |
| Cover abroad (shows, trail rides abroad) | yes | „aus Anlass von Geschäftsreisen oder aus der Teilnahme an Ausstellungen, Kongressen …“ | Position I. Ziffer 3.2.1, page 14 |
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 | „Die Höchstersatzleistung innerhalb der Versicherungssumme für Sachschäden beträgt je …“ | Position IV. Ziffer 2, page 18 |
| Limit per boarded horse | yes, up to EUR 20,000 | „Die Höchstersatzleistung innerhalb der Versicherungssumme für Sachschäden beträgt je …“ | Position IV. Ziffer 2, page 18 |
| Deductible for care and custody damage | not addressed | ||
| 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 | no | „Nicht versichert sind Schäden am Zaum- und Sattelzeug sowie sonstigem Zubehör für …“ | Position IV. Ziffer 2, page 18 |
| Feeding errors and contaminated feed | not addressed | ||
| Transmission of disease between horses in the yard | yes, up to the sum insured | „sind Haftpflichtansprüche wegen Sachschäden mitversichert, die durch Krankheit der dem …“ | Position IV. Ziffer 8, page 19 |
| 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 | none | „aus der privaten Teilnahme an Pferdesportveranstaltungen (z. B. Pferderennen und …“ | Position IV. Ziffer 1.2.1.3, page 18 |
| Limit on number of horses or notice of every change | not addressed | ||
| Grossly negligent damage covered | not addressed | ||
| Claims between employees (workplace accidents) | no | „Ausgeschlossen sind Haftpflichtansprüche aus Personenschäden, bei denen es sich um …“ | Position I. Ziffer 1.1.4, page 11 |
Term and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Policy term and notice period | yes | „Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich der Vertrag um …“ | AHB § 16 Ziffer 2, page 8 |
| Cancellation right after a claim | yes | „Das Versicherungsverhältnis kann gekündigt werden, wenn vom Versicherer eine …“ | AHB § 19 Ziffer 1, page 9 |
| Automatic cover for new risks (new arena, new services) | yes, up to the sum insured | „Abweichend von Abschnitt B. § 4 Ziffer 2 AHB gelten die vereinbarten …“ | Position I. Ziffer 1.2, page 11 |
| Innovation clause (automatic upgrade to new terms) | not addressed | ||
| Defence against unfounded claims and criminal defence | yes, up to EUR 50,000 | „übernimmt in einem Strafverfahren wegen eines Versicherungsfalls, der einen unter diese …“ | Position I. Ziffer 3.1, page 14 |
| Extraordinary risks via Consorcio de Compensación de Seguros (Spain only) | not addressed |
Evaluated by NAMMERT from published policy wordings.
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legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- Itzehoer Versicherung/Brandgilde von 1691 Versicherungsverein auf Gegenseitigkeit
- Distribution
- brokers and direct
- Verbraucherinformationen für landwirtschaftliche Betriebshaftpflicht- und Bodenkaskoversicherungen (AHB 2020) Edition: Ausgabe 09/20, AHB 2020 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 Itzehoer Landwirtschaftliche and available as plain text.
Volltext Itzehoer Landwirtschaftliche Reitbetrieb · As text (Markdown) Itzehoer Landwirtschaftliche Riding stables