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NV AgrarHaft 2.0: the policy wording in full
BBR AgrarHAFT 2.0 der NV für land- und forstwirtschaftliche Betriebe: Reitpferde, Hüten von Pensionspferden und Schäden an Pensionspferden je nach Vereinbarung, Höchstersatz je Pferd laut Police.
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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 NV AgrarHaft 2.0.
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 zur Haftpflichtversicherung für land …“ | Titel, page 1 |
| Riding school with commercial riding lessons covered | not addressed | ||
| Livery yard (boarding of third party horses) covered | yes | „des Versicherungsnehmers als Hüter des/der im Antrag genannten Pferdes/Pferde …“ | Ziff. 2.9, page 2 |
| Horse hire and unaccompanied rides | yes | „Die gewerbsmäßige Überlassung bzw. Überlassung gegen Entgelt ist auf besondere …“ | Ziff. 2.5, page 2 |
| 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 Deckschäden durch männliche Tiere, die zum Decken betriebsfremder Tiere gehalten …“ | Ziff. 2.8, page 2 |
| Carriage driving and rides | yes | „aus Schäden durch private Kutschfahrten, einschließlich der gelegentlichen …“ | Ziff. 2.12, page 2 |
| Riding holidays with accommodation and camps | yes | „aus der Abgabe von bis maximal 10 Betten zu Beherbergungszwecken“ | Ziff. 2.18, page 3 |
| Shows, competitions and clinics held by the operation | yes | „aus der Teilnahme an reitsportlichen Veranstaltungen (Pferderennen, Reitturniere) sowie …“ | Ziff. 2.11, page 2 |
Business liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit of indemnity for bodily injury and property damage | not addressed | ||
| Pure financial loss | not addressed | ||
| Keeper's liability for the operation's own horses including school horses | yes, up to the sum insured | „aus Halten von Reit- und Zugtieren (Pferde, Kleinpferde, Ponys, Maultiere, Esel) soweit …“ | Ziff. 2.5, page 2 |
| Liability as keeper of boarded and client horses | yes, up to the sum insured | „des Versicherungsnehmers als Hüter des/der im Antrag genannten Pferdes/Pferde“ | Ziff. 2.9, 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 | „des Hüters/Reitbeteiligten (sofern er nicht gewerbsmäßig tätig ist), der im Auftrag des …“ | Ziff. 2.3, page 1 |
| Premises liability for yard, arena and pastures | not addressed | ||
| Damage by escaped horses (fencing, road traffic) | yes, up to EUR 2,500 | „Öffentlich-rechtliche Ansprüche an den Landwirt, die durch das Suchen und Bergen von …“ | Ziff. 2.39, page 6 |
| Environmental liability and damage (manure, slurry, fuel oil) | yes, up to the sum insured | „des Versicherungsnehmers aus Umweltschäden gemäß den Besonderen Bedingungen und …“ | Ziff. 1.2.7, page 1 |
| Self propelled machines and yard vehicles not subject to registration | yes, up to the sum insured | „aus Besitz und Verwendung von Zugmaschinen und Raupenschleppern mit nicht mehr als 6 km/h“ | Ziff. 2.16, page 2 |
| Damage to rented arenas, stables and show stalls | yes, up to EUR 1 million, excess EUR 1,000 | „die gesetzliche Haftpflicht aus der Beschädigung von gemieteten gewerblichen und …“ | Ziff. 2.27, page 4 |
| Cover abroad (shows, trail rides abroad) | yes | „aus Auslandsschäden im Umfang der folgenden Besonderen Bedingungen“ | Ziff. 2.28, page 4 |
Care, custody and third party horses
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Care and custody damage to boarded horses (injury, death) | yes, up to the sum insured | „aus Schäden an Pensionspferden und untergestellten Pferden, soweit vereinbart.“ | Ziff. 2.10, page 2 |
| Limit per boarded horse | yes, up to the sum insured | „Die Höchstersatzleistung je Pferd ist in der Versicherungspolice ausgewiesen.“ | Ziff. 2.10, page 2 |
| 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 | „Ausgeschlossen sind Schäden an Zaum- und Sattelzeug sowie sonstigem Zubehör für Nutzung …“ | Ziff. 2.10, page 2 |
| 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 | yes | „Ausgeschlossen bleiben jedoch Haftpflichtansprüche aus Schäden von Personen und an …“ | Ziff. 2.11, page 2 |
| 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 | „über die Vorsorgeversicherung Ziffer 4 AHB 2008;“ | Ziff. 1, page 1 |
| Innovation clause (automatic upgrade to new terms) | not addressed | ||
| Defence against unfounded claims and criminal defence | not addressed | ||
| 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
- NV-Versicherungen VVaG
- Distribution
- brokers and direct
- Besondere Bedingungen und Risikobeschreibungen AgrarHaft 2.0 Edition: BBR AgrarHAFT 2.0 08/2013 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 NV AgrarHaft 2.0 and available as plain text.
Volltext NV AgrarHaft 2.0 Reitbetrieb · As text (Markdown) NV AgrarHaft 2.0 Riding stables