Insurance broker / Hairdresser and beauty salon insurance / Policy wording archive Salon insurance
Continentale Heilwesen und Kosmetiker: the policy wording in full
Berufshaftpflicht für Heilpraktiker und Kosmetiker mit Hausbesuchen, Sonnenbänken, Schlüsselverlust und fünf Jahren Nachhaftung, Tätowieren, Piercing und Unterspritzungen sind 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 Continentale.
- AI has advised
- 2Your details
- Application to Continentale
Thank you, we have your application.
We prepare it with Continentale 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 Continentale Heilwesen und
Kosmetiker.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form: dedicated salon policy, package policy with trade module or general business wording | yes | „Besondere Bedingungen und Risikobeschreibungen zur Berufshaftpflichtversicherung für …“ | Teil A, page 2 |
| Insured activities named (hairdressing, cosmetics, pedicure, nail design, massage, tattooing, piercing) | yes | „Versichert sind alle Tätigkeiten und Behandlungen, die der Versicherungsnehmer und …“ | Teil I Ziffer 1.2, page 3 |
| Combined liability limit for bodily injury and property damage | not addressed | ||
| Annual aggregate limit (e.g. twice the limit) | not addressed | ||
| 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 | yes | „aus der Berufsausübung anlässlich von Hausbesuchen, beruflichen Veranstaltungen und …“ | Teil I Ziffer 3.5, page 4 |
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 und …“ | Teil I Ziffer 1.2, page 3 |
| 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 | „aus Piercing, Tätowierungen, Faltenunterspritzungen, Fadenlifting, Injektionslipolyse;“ | Teil III Ziffer 3.1.3, page 12 |
| Piercing and ear piercing covered | no | „aus Piercing, Tätowierungen, Faltenunterspritzungen, Fadenlifting, Injektionslipolyse;“ | Teil III Ziffer 3.1.3, page 12 |
| Permanent make-up and microblading covered | not addressed | ||
| Tattoo and permanent make-up removal (laser or chemical) | not addressed | ||
| Laser and IPL treatments (hair removal, skin) covered | not addressed | ||
| Injections and fillers (hyaluronic acid, botox) and thread lifts excluded or only for medical professions | yes | „aus Piercing, Tätowierungen, Faltenunterspritzungen, Fadenlifting, Injektionslipolyse;“ | Teil III Ziffer 3.1.3, page 12 |
| Apparatus-based cosmetics (microneedling, ultrasound, cryolipolysis, radiofrequency) covered | yes | „aus Besitz und Verwendung von zur Durchführung von Behandlungen zugelassenen Apparaten …“ | Teil I Ziffer 3.6, page 4 |
| Chemical peels with acids covered | not addressed | ||
| Medical foot care (podiatry) and diabetic foot care covered | not addressed | ||
| Operation of sunbeds covered | yes | „aus Besitz und Verwendung von Einrichtungen wie Sonnenbänken, Kneippständen, Tauch …“ | Teil I Ziffer 3.8, page 4 |
| Hair extensions, thickening and hair replacement covered | not addressed | ||
| Training, seminars and demonstrations for others covered | yes | „als Dozent im Inland und aus gelegentlicher Dozententätigkeit im Ausland.“ | Teil II Ziffer 14.1, page 11 |
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, up to EUR 300,000, excess EUR 250 | „Eingeschlossen sind – abweichend von Ziffer 7.7 AHB – gesetzliche Haftpflichtansprüche …“ | Teil II Ziffer 11.1, page 10 |
| Loss of clients' coats and belongings | yes, up to EUR 50,000 | „die gesetzliche Haftpflicht aus Entwendung und Abhandenkommen von eingebrachten Sachen …“ | Teil II Ziffer 7, page 6 |
| Damage to rented business premises | yes, up to EUR 300,000 | „Eingeschlossen ist – abweichend von Ziffer 7.6 AHB – die gesetzliche Haftpflicht aus …“ | Teil II Ziffer 3.2, page 5 |
| Loss of third-party keys (premises, clients' keys) | yes, up to EUR 300,000, excess EUR 100 | „die gesetzliche Haftpflicht aus dem Abhandenkommen von fremden Türschlüsseln (auch …“ | Teil II Ziffer 6, page 6 |
| Personal liability of employees, apprentices and temps covered | yes | „Mitversichert ist die persönliche gesetzliche Haftpflicht des Versicherungsnehmers aus …“ | Teil I Ziffer 2, page 3 |
| Self-employed staff and chair renters covered | no | „Mitversichert ist die persönliche gesetzliche Haftpflicht des Versicherungsnehmers aus …“ | Teil I Ziffer 2, page 3 |
| Environmental liability and damage (waste water with chemicals) | yes | „Allgemeine Versicherungsbedingungen für die Umweltschadens-Basisversicherung (AVB …“ | Teil IV und Teil B, page 19 |
| Liability for data protection breaches (client records, bookings) | yes | „Eingeschlossen sind – abweichend von Ziffer 2.1 AHB – Haftpflichtansprüche aus der …“ | Teil II Ziffer 4.2, page 6 |
| Default cover for unpaid claims against third parties | not addressed | ||
| Run-off cover after closing the business | yes | „besteht Versicherungsschutz auf Grundlage dieser Versicherungsbedingungen 5 Jahre nach …“ | Teil I Ziffer 5, page 4 |
| 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 und …“ | Teil I Ziffer 1.2, page 3 |
| 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
- Continentale Sachversicherung Aktiengesellschaft
- Distribution
- brokers and direct
- Besondere Bedingungen und Risikobeschreibungen Heilwesen (Heilpraktiker, Kosmetiker, Psychotherapeuten, Heil- und Hilfsberufe) Edition: Stand 01.07.2015 Copy hosted by an intermediary, not by the insurer
Full text of the wording
The full text exists only in German.
It is printed on the German page for Continentale Heilwesen und Kosmetiker and available as plain
text.
Volltext Continentale Heilwesen und Kosmetiker Friseur und Kosmetik · As text (Markdown) Continentale Heilwesen und Kosmetiker Salon insurance