Insurance broker / Hairdresser and beauty salon insurance / Policy wording archive Salon insurance
Mecklenburgische Komfortdeckung: the policy wording in full
Betriebshaftpflicht in der Komfortdeckung mit Hausbesuchen, Schlüsselverlust bis 3 Mio. Euro und Tätigkeitsschäden im Salon bis 50.000 Euro, Permanent Make-up, Tätowieren und Piercing ausgeschlossen.
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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 Mecklenburgische Komfortdeckung.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form: dedicated salon policy, package policy with trade module or general business wording | yes | „Haftpflicht-Grunddeckung und Haftpflicht-Komfortdeckung für Heilberufe, Körper- und …“ | Deckungsübersicht Seite 20, page 20 |
| Insured activities named (hairdressing, cosmetics, pedicure, nail design, massage, tattooing, piercing) | yes | „Kosmetikbetriebe, Friseure, Parfümerien, Sonnenstudios und ähnliche Betriebe“ | BBR 10 Ziffer IX. Nr. 12, page 51 |
| Combined liability limit for bodily injury and property damage | yes | „Versicherungsschutz besteht für das im Antrag und / oder Versicherungsschein genannte …“ | Deckungsübersicht Seite 20, page 20 |
| Annual aggregate limit (e.g. twice the limit) | yes | „Die Entschädigungsleistungen des Versicherers sind für alle Versicherungsfälle eines …“ | AHB Ziffer 6.2, page 32 |
| 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“ | BBR 10 Ziffer IX. Nr. 12.2 b), page 51 |
Treatment damage
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Bodily injury from treatment of clients (hair, skin, nails) covered | yes | „Versichert sind die Tätigkeiten und Behandlungen, die vom Versicherungsnehmer aufgrund …“ | BBR 10 Ziffer IX. Nr. 12.1, page 51 |
| 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 | „chemisches Peeling, Microneedling, Microdermabrasion sowie durch Piercing und / oder …“ | BBR 10 Ziffer IX. Nr. 12.3 b), page 51 |
| Piercing and ear piercing covered | no | „chemisches Peeling, Microneedling, Microdermabrasion sowie durch Piercing und / oder …“ | BBR 10 Ziffer IX. Nr. 12.3 b), page 51 |
| Permanent make-up and microblading covered | no | „Dauer-/Permanent-Make-Up, Microblading sowie Hautunterspritzungen mit Collagen, Botox …“ | BBR 10 Ziffer IX. Nr. 12.3 a), page 51 |
| 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 | „Dauer-/Permanent-Make-Up, Microblading sowie Hautunterspritzungen mit Collagen, Botox …“ | BBR 10 Ziffer IX. Nr. 12.3 a), page 51 |
| Apparatus-based cosmetics (microneedling, ultrasound, cryolipolysis, radiofrequency) covered | no | „chemisches Peeling, Microneedling, Microdermabrasion sowie durch Piercing und / oder …“ | BBR 10 Ziffer IX. Nr. 12.3 b), page 51 |
| Chemical peels with acids covered | no | „chemisches Peeling, Microneedling, Microdermabrasion sowie durch Piercing und / oder …“ | BBR 10 Ziffer IX. Nr. 12.3 b), page 51 |
| Medical foot care (podiatry) and diabetic foot care covered | not addressed | ||
| Operation of sunbeds covered | yes | „dem Besitz und der Verwendung von Sonnenbänken/Solarien, sofern dies vereinbart wurde.“ | BBR 10 Ziffer IX. Nr. 12.1 c), page 51 |
| 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 | „aus dem Verkauf von Kosmetik-, Fußpflege- und Parfümerieartikeln“ | BBR 10 Ziffer IX. Nr. 12.2 c), page 51 |
| Self-made or refilled preparations and mixtures covered | not addressed | ||
| Damage to clients' property (clothing, glasses, jewellery, bags) during treatment | yes, up to EUR 50,000 | „Tätigkeitsschäden gemäß Ziffer IV. Nr. 40. der BBR 10“ | Deckungsübersicht Seite 21, page 21 |
| Loss of clients' coats and belongings | yes, up to EUR 50,000 | „Abhandenkommen von Sachen der Betriebsangehörigen und Besucher gemäß Ziffer IV. Nr. 3 …“ | Deckungsübersicht Seite 20, page 20 |
| Damage to rented business premises | yes, up to EUR 3 million | „durch Brand, Explosion, Leitungs- und Abwasser an Betriebsgebäuden/-räumen (nicht am …“ | Deckungsübersicht Seite 20, page 20 |
| Loss of third-party keys (premises, clients' keys) | yes, up to EUR 3 million | „Abhandenkommen von fremden Schlüsseln/Codekarten gemäß Ziffer IV. Nr. 2. der BBR 10“ | Deckungsübersicht Seite 20, page 20 |
| Personal liability of employees, apprentices and temps covered | yes | „sämtlicher übrigen Betriebsangehörigen für Schäden, die sie in Ausführung ihrer …“ | BBR 10 Ziffer II. Nr. 2, page 38 |
| Self-employed staff and chair renters covered | not addressed | ||
| Environmental liability and damage (waste water with chemicals) | yes | „Umweltschäden (Grunddeckung) für privatrechtliche Umwelthaftpflicht-Ansprüche wegen …“ | Deckungsübersicht Seite 21, page 21 |
| Liability for data protection breaches (client records, bookings) | yes, up to EUR 100,000 | „Verletzung von Datenschutzgesetzen gemäß Ziffer IV. Nr. 50. der BBR 10“ | Deckungsübersicht Seite 21, page 21 |
| Default cover for unpaid claims against third parties | not addressed | ||
| Run-off cover after closing the business | yes | „Nachhaftungsversicherung im Falle der dauerhaften und endgültigen …“ | Deckungsübersicht Seite 20, page 20 |
| General liability deductible | yes | „Sofern vereinbart, beteiligt sich der Versicherungsnehmer an jedem Sach- oder …“ | BBR 10 Ziffer III. Nr. 1, page 38 |
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 die Tätigkeiten und Behandlungen, die vom Versicherungsnehmer aufgrund …“ | BBR 10 Ziffer IX. Nr. 12.1, page 51 |
| No reduction for gross negligence in property cover | not addressed | ||
| Best-performance or innovation clause | not addressed | ||
| Minimum term and notice period | yes | „Sie können den Vertrag ebenso wie wir zum Ende der zunächst vereinbarten Vertragsdauer …“ | Informationen zum Versicherungsumfang Nr. 10, page 3 |
| Group or framework contract via guild, chamber or association | not addressed |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- Mecklenburgische Versicherungs-Gesellschaft auf Gegenseitigkeit
- Distribution
- brokers and direct
- Vertragsinformationen Betriebshaftpflicht Edition: Version 83-AHG-0126, Deckungsübersicht 01/26 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 Mecklenburgische Komfortdeckung and available as plain text.
Volltext Mecklenburgische Komfortdeckung Friseur und Kosmetik · As text (Markdown) Mecklenburgische Komfortdeckung Salon insurance