Insurance broker / Hairdresser and beauty salon insurance / Policy wording archive Salon insurance
ARAG Business -Schutz: the policy wording in full
Betriebshaftpflicht mit eigener Klausel für Friseur, Kosmetik und Nagelstudio inklusive Permanent Make-up, Laser und IPL nur nach Vereinbarung, Tätowieren, Piercing und Unterspritzungen ausgeschlossen.
German market: tariffs for people living in Germany.
Done in two minutes: your details are enough, we take care of the rest.
- Free for you, same price as going direct
- 4.97 out of 5 stars from 5,048 reviews
- On your side when you claim
Take out this policy through NAMMERT
You have already worked out with your AI what fits you.
All we need now are your details and a few answers.
We prepare your application with ARAG.
- AI has advised
- 2Your details
- Application to ARAG
Thank you, we have your application.
We prepare it with ARAG and get back to you with the documents.
Everything about this policy
What the policy covers: 70 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for ARAG Business -Schutz.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form: dedicated salon policy, package policy with trade module or general business wording | yes | „Kosmetikbetriebe, Friseurbetriebe, Maniküre, Pediküre“ | BBR Handel und Handwerk Teil D Ziffer 9, page 228 |
| Insured activities named (hairdressing, cosmetics, pedicure, nail design, massage, tattooing, piercing) | yes | „Für Fingernagelstudio, Friseurbetriebe, Friseur, Kosmetiksalon, Maniküre gilt:“ | BBR Handel und Handwerk Teil D Ziffer 9.1, page 228 |
| Combined liability limit for bodily injury and property damage | yes | „Es gilt die im Versicherungsschein genannte Versicherungssumme für Personen-, Sach- und …“ | BBR Handel und Handwerk Teil A Ziffer 11.1, page 213 |
| Annual aggregate limit (e.g. twice the limit) | yes | „Die Versicherungssumme steht für alle Versicherungsfälle eines Versicherungsjahres …“ | BBR Handel und Handwerk Teil A Ziffer 11.1, page 213 |
| Contents: sum insured at replacement value of fittings and stock | not addressed | ||
| Waiver of underinsurance for contents | not addressed | ||
| All-risks cover for contents | not addressed | ||
| Mobile work at clients' homes, care homes, hospitals or events covered | not addressed |
Treatment damage
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Bodily injury from treatment of clients (hair, skin, nails) covered | yes | „Versichert sind alle Tätigkeiten und Behandlungen, die der Versicherungsnehmer aufgrund …“ | BBR Handel und Handwerk Teil D Ziffer 9.1.1, page 228 |
| Damage to the hair itself (breakage, hair loss, discoloration from colouring, bleaching, perms, straightening) | not addressed | ||
| Allergic reactions and intolerance to products used | not addressed | ||
| Chemical and heat burns to scalp and skin (chemicals, hot tools, wax) | not addressed | ||
| Infections caused by treatment (fungal, bacterial, viral, e.g. pedicure, nails, shaving) | not addressed | ||
| Claims for not achieving the desired result (wrong cut or colour without injury) | not addressed | ||
| Costs of corrective treatment by third parties, e.g. wig, hairpiece, dermatologist | not addressed | ||
| Compensation for pain and suffering and client's loss of earnings after treatment damage | not addressed | ||
| Deductible for treatment damage | not addressed | ||
| Documented information or client consent required (patch or allergy test, consent form) | yes | „sowie die Durchführung eines ausführlichen Aufklärungsgesprächs mit dem Kunden, das …“ | BBR Handel und Handwerk Teil D Ziffer 9.1.3, page 228 |
| Treatment of minors (colouring, piercing, tattooing under 16 or 18) excluded or subject to consent | not addressed |
Special activities
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Tattooing covered | no | „Ausgeschlossen bleiben ebenso Ansprüche aus der Durchführung von Tätowierungen und …“ | BBR Handel und Handwerk Teil D Ziffer 9.1.4, page 228 |
| Piercing and ear piercing covered | no | „Ausgeschlossen bleiben ebenso Ansprüche aus der Durchführung von Tätowierungen und …“ | BBR Handel und Handwerk Teil D Ziffer 9.1.4, page 228 |
| Permanent make-up and microblading covered | yes | „Mitversichert ist die gesetzliche Haftpflicht des Versicherungsnehmers aus der …“ | BBR Handel und Handwerk Teil D Ziffer 9.1.2, page 228 |
| Tattoo and permanent make-up removal (laser or chemical) | no | „Ausgeschlossen bleiben ebenso Ansprüche aus der Durchführung von Tätowierungen und …“ | BBR Handel und Handwerk Teil D Ziffer 9.1.4, page 228 |
| Laser and IPL treatments (hair removal, skin) covered | yes | „Sofern besonders vereinbart und im Versicherungsschein genannt, gilt mitversichert die …“ | BBR Handel und Handwerk Teil D Ziffer 9.1.3, page 228 |
| Injections and fillers (hyaluronic acid, botox) and thread lifts excluded or only for medical professions | yes | „die Personen mit einer medizinischen Ausbildung oder Heilpraktikern vorbehalten sind …“ | BBR Handel und Handwerk Teil D Ziffer 9.1.4, page 228 |
| Apparatus-based cosmetics (microneedling, ultrasound, cryolipolysis, radiofrequency) covered | not addressed | ||
| Chemical peels with acids covered | yes | „Sofern besonders vereinbart und im Versicherungsschein genannt, gilt mitversichert die …“ | BBR Handel und Handwerk Teil D Ziffer 9.1.3, page 228 |
| Medical foot care (podiatry) and diabetic foot care covered | yes | „Versichert sind alle Tätigkeiten und Behandlungen, die der Podologe aufgrund seiner …“ | BBR Handel und Handwerk Teil D Ziffer 9.2.1, page 228 |
| Operation of sunbeds covered | not addressed | ||
| Hair extensions, thickening and hair replacement covered | not addressed | ||
| Training, seminars and demonstrations for others covered | not addressed |
Business liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Product liability for care products and cosmetics sold | yes | „Mitversichert gilt der Verkauf von Kosmetikartikeln bis zu einem Umsatz von jährlich …“ | BBR Handel und Handwerk Teil D Ziffer 9.4, page 229 |
| Self-made or refilled preparations and mixtures covered | not addressed | ||
| Damage to clients' property (clothing, glasses, jewellery, bags) during treatment | yes, up to EUR 1 million, excess EUR 250 | „die gesetzliche Haftpflicht des Versicherungsnehmers aus Schäden, die an fremden Sachen …“ | BBR Handel und Handwerk Teil E Ziffer 2.1, page 229 |
| Loss of clients' coats and belongings | yes, up to EUR 1 million | „die gesetzliche Haftpflicht des Versicherungsnehmers aus dem Abhandenkommen von Sachen …“ | BBR Handel und Handwerk Teil C Ziffer 2.1, page 215 |
| Damage to rented business premises | yes, up to EUR 3 million | „die gesetzliche Haftpflicht des Versicherungsnehmers wegen Schäden an zu betrieblichen …“ | BBR Handel und Handwerk Teil C Ziffer 15.2.1, page 220 |
| Loss of third-party keys (premises, clients' keys) | yes, up to EUR 1 million | „die gesetzliche Haftpflicht des Versicherungsnehmers aus dem Abhandenkommen von fremden …“ | BBR Handel und Handwerk Teil C Ziffer 3.1, page 215 |
| Personal liability of employees, apprentices and temps covered | yes | „sämtlicher übrigen Betriebsangehörigen und in den Betrieb des Versicherungsnehmers …“ | BBR Handel und Handwerk Teil A Ziffer 3.1.2, page 211 |
| Self-employed staff and chair renters covered | yes | „sowie freie Mitarbeiter aus ihrer Betätigung für den Versicherungsnehmer“ | BBR Handel und Handwerk Teil A Ziffer 3.1.2, page 211 |
| Environmental liability and damage (waste water with chemicals) | yes | „besteht ausschließlich Versicherungsschutz im Umfang der …“ | BBR Handel und Handwerk Teil A Ziffer 1.4, page 209 |
| Liability for data protection breaches (client records, bookings) | yes | „aus der Verletzung von Datenschutzgesetzen durch Missbrauch personenbezogener Daten.“ | BBR Handel und Handwerk Teil C Ziffer 19.1, page 222 |
| Default cover for unpaid claims against third parties | not addressed | ||
| Run-off cover after closing the business | yes | „wird im Umfang dieses Vertrags Versicherungsschutz noch für die Dauer von fünf Jahren …“ | BBR Handel und Handwerk Teil A Ziffer 6, page 212 |
| General liability deductible | not addressed |
Contents, electronics, glass
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire, lightning, explosion | not addressed | ||
| Burglary and vandalism after break-in | not addressed | ||
| Robbery in the salon and in transit (daily takings) | not addressed | ||
| Cash and till contents covered | not addressed | ||
| Water damage including from basins, hair washing units and foot baths | not addressed | ||
| Storm and hail | not addressed | ||
| Other natural hazards (flood, heavy rain, backflow) | not addressed | ||
| Electronics and devices (till, dryers, laser, sunbed) against operating error, short circuit, surge | not addressed | ||
| Glass breakage (shop windows, mirrors, glass shelves, signs) | not addressed | ||
| Stock and goods (dyes, care products, retail goods) | not addressed | ||
| Clients' property under contents cover | not addressed | ||
| Tenant's improvements and shop fittings | not addressed | ||
| Simple theft without break-in (devices, scissors) | not addressed | ||
| Property deductible | not addressed |
Business interruption
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Business interruption after property damage | not addressed | ||
| Indemnity period in months | not addressed | ||
| Waiting period or time deductible for interruption | not addressed | ||
| Closure by authority due to pathogens | not addressed | ||
| Loss of income when the owner is ill or injured | not addressed |
Contract and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Security requirements for contents (locks, shutters, alarm) | not addressed | ||
| Compliance with hygiene and trade rules as obligation | not addressed | ||
| Proof of qualification required (master, training, laser certificate) | yes | „Versichert sind alle Tätigkeiten und Behandlungen, die der Versicherungsnehmer aufgrund …“ | BBR Handel und Handwerk Teil D Ziffer 9.1.1, page 228 |
| No reduction for gross negligence in property cover | not addressed | ||
| Best-performance or innovation clause | not addressed | ||
| Minimum term and notice period | not addressed | ||
| Group or framework contract via guild, chamber or association | 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.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- ARAG SE, ARAG Allgemeine Versicherungs-Aktiengesellschaft
- Distribution
- brokers and direct
- Versicherungsbedingungen ARAG Business Haftpflicht-Schutz Edition: A 114, Stand 07.2015 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 ARAG Business -Schutz and available as plain text.
Volltext ARAG Business -Schutz Friseur und Kosmetik · As text (Markdown) ARAG Business -Schutz Salon insurance