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Uelzener BBR 2: the policy wording in full
BBR 2 der Uelzener für Betriebe sowie land- und forstwirtschaftliche Betriebe: Einhufer und Zuchtstuten mitversichert, Pferdeverleih und Kutschfahrten nur nach Vereinbarung, Pferdepension und Schäden an eingestellten Pferden ausgeschlossen.
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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 Uelzener BBR 2.
Basics and insured operation
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Dedicated riding stable product or module of a farm or business liability policy | no | „Betriebe, land- und forstwirtschaftliche Betriebe, Tierheime,“ | Titel, page 1 |
| Riding school with commercial riding lessons covered | not addressed | ||
| Livery yard (boarding of third party horses) covered | no | „Schäden aus dem Betrieb oder Pferdepension oder -unterstellung einschließlich …“ | Ziff. 2.1.5.2, page 1 |
| Horse hire and unaccompanied rides | yes | „aus Pferdeverleih, Kutschfahrten mit oder ohne Gestellung eines Fahrers“ | Ziff. 2.3.1, page 1 |
| 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 Zuchtstuten und sonstigen Einhufern einschließlich Flurschäden.“ | Ziff. 2.1.4, page 1 |
| Carriage driving and rides | yes | „aus Pferdeverleih, Kutschfahrten mit oder ohne Gestellung eines Fahrers“ | Ziff. 2.3.1, page 1 |
| Riding holidays with accommodation and camps | yes | „mitversichert ist die Aufsichtspflicht über beherbergte Kinder (z. B. bei Reiterferien).“ | Ziff. 4.5.2.2, page 3 |
| 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 | „Die Gesamtleistung des Versicherers für alle Schadenereignisse eines …“ | Ziff. 7.2, page 3 |
| Pure financial loss | not addressed | ||
| Keeper's liability for the operation's own horses including school horses | yes, up to the sum insured | „aus dem Halten von Zuchtstuten und sonstigen Einhufern“ | Ziff. 2.1.4, page 1 |
| Liability as keeper of boarded and client horses | no | „Schäden aus dem Betrieb oder Pferdepension oder -unterstellung“ | Ziff. 2.1.5.2, page 1 |
| 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 | „sämtlicher übrigen Betriebsangehörigen für Schäden, die sie“ | Ziff. 1.2.2.2, page 1 |
| Volunteers, trainees and part-loaners covered | yes | „sämtlicher übrigen Betriebsangehörigen für Schäden, die sie in Ausführung ihrer …“ | Ziff. 1.2.2.2, page 1 |
| Premises liability for yard, arena and pastures | yes, up to the sum insured | „als Eigentümer, Mieter, Vermieter, Pächter, Leasingnehmer, Nutznießer von Grundstücken …“ | Ziff. 1.2.1.1.1, page 1 |
| Damage by escaped horses (fencing, road traffic) | not addressed | ||
| Environmental liability and damage (manure, slurry, fuel oil) | no | „Ausgeschlossen bleiben Schäden durch Umwelteinwirkungen“ | Ziff. 2.4, page 1 |
| Self propelled machines and yard vehicles not subject to registration | yes, up to the sum insured | „Zugmaschinen und Raupenschlepper mit nicht mehr als 20 km Stundenhöchstgeschwindigkeit“ | Ziff. 4.3, page 2 |
| Damage to rented arenas, stables and show stalls | not addressed | ||
| Cover abroad (shows, trail rides abroad) | not addressed |
Care, custody and third party horses
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Care and custody damage to boarded horses (injury, death) | no | „Schäden an eingestellten Pferden.“ | Ziff. 2.1.5.3, page 1 |
| Limit per boarded horse | not addressed | ||
| 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 | „Schäden am Zaum- und Sattelzeug sowie sonstigem Zubehör für Nutzung und Pflege;“ | Ziff. 2.1.5.1, page 1 |
| 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 | no | „Über den Sachschaden hinausgehende Schadenersatzansprüche, insbesondere für …“ | Ziff. 4.4.5.2, page 2 |
| 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) | no | „Ausgeschlossen sind Haftpflichtansprüche aus Personenschäden, bei denen es sich um …“ | Ziff. 1.2.2.2, page 1 |
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 | „Es gelten dann die Bestimmungen über die Vorsorgeversicherung (Ziff. 4. AHB).“ | Ziff. 1.2.1.1.2, 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
- Uelzener Allgemeine Versicherungs-Gesellschaft a.G.
- Distribution
- not known
- Besondere Bedingungen und Risikobeschreibungen BBR 2 Betriebshaftpflicht (Betriebe, land- und forstwirtschaftliche Betriebe, Tierheime) DOC-638 Edition: BBR 2 Ausgabe September 2018, DOC-638 03/2025 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 Uelzener BBR 2 and available as plain text.
Volltext Uelzener BBR 2 Reitbetrieb · As text (Markdown) Uelzener BBR 2 Riding stables