Insurance broker / Hairdresser and beauty salon insurance / Policy wording archive Salon insurance
BGV Firmen: the policy wording in full
Betriebshaftpflicht mit eigener Regelung für Körperpflegebetriebe, zehn Jahren Nachhaftung und Schlüsselverlust, Permanent Make-up, Tätowieren, Piercing und Injektionen 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 BGV.
- AI has advised
- 2Your details
- Application to BGV
Thank you, we have your application.
We prepare it with BGV 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 BGV Firmen.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form: dedicated salon policy, package policy with trade module or general business wording | yes | „Besondere Regelungen für Unternehmen der Körper- und Gesundheitspflege sowie für …“ | A1-6.35, page 21 |
| Insured activities named (hairdressing, cosmetics, pedicure, nail design, massage, tattooing, piercing) | yes | „Besondere Regelungen für Unternehmen der Körper- und Gesundheitspflege sowie für …“ | A1-6.35, page 21 |
| Combined liability limit for bodily injury and property damage | yes | „Die Entschädigungsleistung des Versicherers ist bei jedem Versicherungsfall auf die …“ | A1-5.1, page 11 |
| Annual aggregate limit (e.g. twice the limit) | yes | „Sofern nicht etwas anderes vereinbart wurde, sind die Entschädigungsleistungen des …“ | A1-5.2, page 11 |
| 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 …“ | A1-6.35.1.1, page 21 |
| 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) | not addressed | ||
| 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 | „Piercing, Branding und Tätowierungen sowie deren Entfernung“ | A1-6.35.2.5, page 21 |
| Piercing and ear piercing covered | no | „Piercing, Branding und Tätowierungen sowie deren Entfernung“ | A1-6.35.2.5, page 21 |
| Permanent make-up and microblading covered | no | „Durchführung von Permanent-Make-Up und Behandlungen mit Micro Needles“ | A1-6.35.2.5, page 21 |
| Tattoo and permanent make-up removal (laser or chemical) | no | „Piercing, Branding und Tätowierungen sowie deren Entfernung“ | A1-6.35.2.5, page 21 |
| Laser and IPL treatments (hair removal, skin) covered | yes | „Behandlungen der Haut und darunter liegender Schichten mittels energiereicher …“ | A1-6.35.2.5, page 21 |
| Injections and fillers (hyaluronic acid, botox) and thread lifts excluded or only for medical professions | yes | „Verabreichen von Spritzen und Injektionen sowie die Anwendung von Akupunktur“ | A1-6.35.2.5, page 21 |
| Apparatus-based cosmetics (microneedling, ultrasound, cryolipolysis, radiofrequency) covered | no | „Behandlungen zum Entfernen oder Reduzieren von Fettgewebe (z. B. Kryolipolyse …“ | A1-6.35.2.5, page 21 |
| Chemical peels with acids covered | not addressed | ||
| Medical foot care (podiatry) and diabetic foot care covered | not addressed | ||
| Operation of sunbeds covered | not addressed | ||
| Hair extensions, thickening and hair replacement covered | no | „Platelet Rich Plasma Haarwurzelbehandlung“ | A1-6.35.2.5, page 21 |
| Training, seminars and demonstrations for others covered | yes | „aus der Durchführung von Schulungsveranstaltungen in eigenen und fremden Räumlichkeiten.“ | A1-6.35.1.3, page 21 |
Business liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Product liability for care products and cosmetics sold | not addressed | ||
| Self-made or refilled preparations and mixtures covered | not addressed | ||
| Damage to clients' property (clothing, glasses, jewellery, bags) during treatment | yes | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers wegen …“ | A1-6.14.5, page 13 |
| Loss of clients' coats and belongings | yes | „sowie Abhandenkommens von Sachen (einschließlich Kraftfahrzeugen und Fahrrädern mit …“ | A1-6.6, page 13 |
| Damage to rented business premises | yes | „zu betrieblichen oder beruflichen Zwecken gemieteten (nicht geleasten), gepachteten …“ | A1-6.11.1 (2), page 14 |
| Loss of third-party keys (premises, clients' keys) | yes | „die gesetzliche Haftpflicht des Versicherungsnehmers ausschließlich wegen des …“ | A1-6.7, page 13 |
| Personal liability of employees, apprentices and temps covered | yes | „sämtlicher übrigen Betriebsangehörigen für Schäden, die sie in Ausführung betrieblicher …“ | A1-2.1.2, page 11 |
| Self-employed staff and chair renters covered | not addressed | ||
| Environmental liability and damage (waste water with chemicals) | yes | „Umweltrisikoversicherung (URV)“ | A2, page 27 |
| Liability for data protection breaches (client records, bookings) | yes | „aus der Verletzung von Datenschutzgesetzen durch Verarbeitung personenbezogener Daten.“ | A1-6.23.1, page 17 |
| Default cover for unpaid claims against third parties | not addressed | ||
| Run-off cover after closing the business | yes | „gilt für die Dauer von 10 Jahren vom Zeitpunkt der Beendigung des …“ | A1-10, page 26 |
| General liability deductible | yes | „Falls vereinbart, beteiligt sich der Versicherungsnehmer bei jedem Versicherungsfall an …“ | A1-5.4, page 12 |
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 | „Der Aus- und/oder Fortbildungsnachweis ist dem Versicherer im Schadenfall vorzulegen.“ | A1-6.35.1.1, page 21 |
| No reduction for gross negligence in property cover | not addressed | ||
| Best-performance or innovation clause | yes | „Sollte sich bei einem Schadenfall herausstellen, dass der Umfang des …“ | A1-11, page 26 |
| 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
- BGV-Versicherung Aktiengesellschaft
- Distribution
- brokers and direct
- Verbraucherinformation Firmen-Haftpflicht (F10067) Edition: AVB BHV Firmen, Ausgabe Februar 2022 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 BGV Firmen and available as plain text.
Volltext BGV Firmen Friseur und Kosmetik · As text (Markdown) BGV Firmen Salon insurance