Insurance broker / Security company liability insurance / Policy wording archive Security firm liability
Dialog für das Bewachungsgewerbe: the policy wording in full
Betriebshaftpflicht für Bewachungsunternehmen nach AH 4300 mit Pflichtdeckung für bewachte Sachen 15.000 Euro und Vermögensschäden 12.500 Euro zusätzlich zur Grundsumme, ohne Werttransport, Flughäfen, Personen- und Gleisbewachung.
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Everything about this policy
What the policy covers: 64 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Dialog für das Bewachungsgewerbe.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit for bodily injury per occurrence | not addressed | ||
| Limit for property damage per occurrence | not addressed | ||
| Loss of guarded property | yes, up to EUR 15,000 | „Abhandenkommen, Beschädigung oder Vernichtung von bewachten Sachen 15.000 €“ | Bewachungshaftpflichtrisiko, page 1 |
| Pure financial loss | yes, up to EUR 12,500 | „Vermögensschäden im Rahmen der Bewachungshaftpflicht bis zu (zusätzlich zur …“ | Bewachungshaftpflichtrisiko, page 1 |
| Meets the statutory minimum requirements of the compulsory insurance | yes | „Unternehmen, die gemäß § 6 der Bewachungsverordnung der Versicherungspflicht unterliegen.“ | Bewachungshaftpflichtrisiko, page 1 |
| Annual aggregate limit | yes | „Unter Maximierung ist angegeben, das Wievielfache der Höchstersatzleistung für alle …“ | Vorbemerkung, page 1 |
| Deductible per claim | not addressed | ||
| Co insured persons (owners, managers, guards, temporary staff) | yes | „Mitversicherte Personen: (ehemalige) gesetzliche Vertreter, (ehemalige) …“ | Ziffer 5, page 2 |
| Vicarious liability for agents and assistants | not addressed | ||
| Subcontractors covered or only the insured's liability for them | yes | „Vergabe von Leistungen (Subunternehmer)“ | Ziffer 1.2, page 2 |
| Territorial scope | yes | „Schäden im Ausland (ohne USA/Kanada und deren Territorien)“ | Ziffer 6.5.1, page 3 |
Insured activities
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Site and plant security, guarding of buildings, construction sites and premises | not addressed | ||
| Mobile patrols, locking and inspection rounds | not addressed | ||
| Event security and stewarding | not addressed | ||
| Door supervision in bars and clubs | not addressed | ||
| Store detectives and retail security | not addressed | ||
| Alarm receiving centre and alarm response | not addressed | ||
| Guarding of reception centres and shared accommodation | not addressed | ||
| Close protection (bodyguards) | no | „Nicht mitversichert gilt die Bewachung von militärischen Anlagen, Flughäfen …“ | Bewachungshaftpflichtrisiko, page 1 |
| Cash in transit and guarding of cash and valuables | no | „Nicht mitversichert gilt die Bewachung von militärischen Anlagen, Flughäfen …“ | Bewachungshaftpflichtrisiko, page 1 |
| Aviation and airport security | no | „Nicht mitversichert gilt die Bewachung von militärischen Anlagen, Flughäfen“ | Bewachungshaftpflichtrisiko, page 1 |
| Guarding of military, nuclear and critical infrastructure sites | no | „Nicht mitversichert gilt die Bewachung von militärischen Anlagen, Flughäfen …“ | Bewachungshaftpflichtrisiko, page 1 |
| Railway track safety guarding | no | „Nicht mitversichert gilt die Bewachung von militärischen Anlagen, Flughäfen …“ | Bewachungshaftpflichtrisiko, page 1 |
| Maritime security on seagoing vessels | not addressed | ||
| Use of guard dogs | not addressed | ||
| Armed service (firearms, pepper spray, batons) | yes | „Hieb-, Stoß- und Schusswaffen“ | Ziffer 6.12, page 1 |
| Planning, installation and maintenance of security and alarm systems | not addressed |
Special types of damage
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Damage to or destruction of guarded property | yes, up to EUR 15,000 | „Abhandenkommen, Beschädigung oder Vernichtung von bewachten Sachen 15.000 €“ | Bewachungshaftpflichtrisiko, page 1 |
| Loss of third party keys, code cards and transponders (lock replacement and consequential loss) | yes, up to EUR 50,000 | „Abhandenkommen von fremden Schlüsseln und Codekarten“ | Ziffer 7.5, page 3 |
| Damage to third party property being worked on | yes | „an sonstigen Sachen“ | Ziffer 7.7.3, page 1 |
| Damage to rented or entrusted premises | yes | „zu betrieblichen oder beruflichen Zwecken gemieteten Gebäuden und/oder Räumen“ | Ziffer 7.6.1 (2), page 3 |
| Damage to guarded vehicles (car park and vehicle guarding) | not addressed | ||
| Infringement of personal rights, discrimination and false imprisonment | yes, up to EUR 1 million | „Ansprüche wegen Diskriminierung nach dem Allgemeinen“ | Teil A Abschnitt 4 Ziffer 1, page 4 |
| Damage from self defence and citizen's arrest | not addressed | ||
| Data protection breaches, including CCTV | yes | „Verletzung von Datenschutzgesetzen durch Verwendung personenbezogener“ | Ziffer 7.1.3, page 3 |
| Environmental liability and environmental damage | yes | „Umwelthaftpflichtbasisdeckung“ | Teil A Abschnitt 5 Ziffer 1.2.7, page 5 |
| Injury to colleagues and employer's liability | not addressed |
Financial loss and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Financial loss from omission (alarm not passed on, missed patrol) | not addressed | ||
| Business interruption at the client | not addressed | ||
| Employee dishonesty and theft at the client (fidelity) | not addressed | ||
| Contractually assumed liability beyond statutory liability | yes | „Vertraglich übernommene Haftpflicht“ | Ziffer 6.2, page 2 |
| Contractual penalties, fines and punitive damages excluded | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion for intent and knowing breach of duty | not addressed | ||
| Cash, securities and valuables excluded as guarded property | yes | „Nicht mitversichert gilt die Bewachung von militärischen Anlagen, Flughäfen …“ | Bewachungshaftpflichtrisiko, page 1 |
| No cover for staff without required training, exam or vetting | not addressed | ||
| War, terrorism, civil unrest and strike excluded | not addressed | ||
| Gradual damage and sewage excluded | not addressed | ||
| Damage from use of motor vehicles excluded | not addressed |
Obligations and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limitation of guarded property and financial loss only with express client consent | not addressed | ||
| Notice to the licensing authority on termination, continued effect towards third parties | not addressed | ||
| Obligations regarding staff (training records, register, service instructions) | not addressed | ||
| Duty to notify new sites, activities or increased risk | not addressed | ||
| Automatic cover for new risks | yes | „Neu hinzukommende Risiken (Vorsorgeversicherung)“ | Ziffer 10, page 1 |
| Trigger: occurrence, act or claims made | not addressed | ||
| Run off cover after termination | yes | „Versicherungsschutz nach Betriebseinstellung oder Berufsaufgabe 5 Jahre“ | Ziffer 12, page 1 |
| Prior acts cover | yes | „Unbegrenzte Rückwärtsdeckung für vor Vertragsbeginn begangene“ | Teil A Abschnitt 4 Ziffer 6.6, page 4 |
| Premium basis (payroll, turnover, number of guards, hours) | not addressed | ||
| Contract term and notice periods | not addressed | ||
| Update clause (later improved terms apply) | yes | „Leistungsupdate“ | Gemeinsame Bestimmungen zu Teil A Ziffer 5, page 4 |
Specifics for Spain
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Minimum sum under the Spanish private security regulation met | not addressed | ||
| Legal defence and civil and criminal bail | not addressed | ||
| Cross liability between group companies and subcontractors | not addressed | ||
| Sublimit per victim in employer's liability | not addressed | ||
| Products and completed operations liability | not addressed |
Evaluated by NAMMERT from published policy wordings.
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legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- Dialog Versicherung Aktiengesellschaft
- Distribution
- available through brokers
- Leistungsübersicht Das Bewachungsgewerbe (AH 1608, verweist auf Haftpflichtbedingungen für das Bewachungsgewerbe AH 4300) Edition: Leistungsbeschreibung zu AH 4300 ohne Datum 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 Dialog für das Bewachungsgewerbe and available as plain text.
Volltext Dialog für das Bewachungsgewerbe Bewacherhaftpflicht · As text (Markdown) Dialog für das Bewachungsgewerbe Security firm liability