Insurance broker / Fairground showmen insurance / Policy wording archive Showmen insurance
Bernhard Assekuranz Bernhard PremiumSchutz für Schaustellerbetriebe: the policy wording in full
Betriebshaftpflicht PremiumSchutz für Vereine, Kirchengemeinden, Schaustellerbetriebe und Vergnügungseinrichtungen mit Umwelt- und Produkthaftpflicht, aber ohne Schausteller-Sach- und Transportversicherung und ohne Schaustellbetrieb im Ausland.
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 Bernhard Assekuranz.
- AI has advised
- 2Your details
- Application to Bernhard Assekuranz
Thank you, we have your application.
We prepare it with Bernhard Assekuranz and get back to you with the documents.
Everything about this policy
What the policy covers: 67 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Bernhard Assekuranz Bernhard
PremiumSchutz für Schaustellerbetriebe.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit for bodily injury per occurrence (statutory minimum for showmen) | yes | „Die Entschädigungsleistung des Versicherers ist bei jedem Versicherungsfall auf die …“ | A1-5.1, page 17 |
| Limit for property damage per occurrence | yes | „Die Entschädigungsleistung des Versicherers ist bei jedem Versicherungsfall auf die …“ | A1-5.1, page 17 |
| Limit for pure financial loss | yes | „wegen Vermögensschäden, die weder durch Personen- noch durch Sachschäden entstanden sind.“ | A1-6.12, page 7 |
| Annual aggregate limit | yes | „Die Entschädigungsleistung des Versicherers ist bei jedem Versicherungsfall auf die …“ | A1-5.1, page 17 |
| Confirmation of compulsory insurance for showmen (certificate for the itinerant trade licence) | not addressed | ||
| Territorial scope for fairs abroad (country, Europe, worldwide) | no | „Vom Versicherungsschutz ausgeschlossen sind Ansprüche aus dem Betrieb von Schaustell …“ | A1-6.8.1 (1), page 7 |
| Insured types of business (rides, walk-through attractions, shooting galleries, raffles, food and drink stalls, confectionery) | yes | „Allgemeine Versicherungsbedingungen für Vereine, Kirchengemeinden, Schaustellerbetriebe …“ | Titel, page 1 |
| Annual policy or single-event policy | not addressed |
Operational liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Liability towards ride passengers | not addressed | ||
| Liability during assembly, dismantling and test runs | not addressed | ||
| Liability for food poisoning from food and drink stalls | not addressed | ||
| Product liability for goods sold and raffle prizes | yes | „Versichert ist im Umfang von A1 die gesetzliche Haftpflicht des Versicherungsnehmers …“ | A3-1, page 26 |
| Damage to rented or provided fairground (surface, paving, utilities) | not addressed | ||
| Damage to rented buildings, halls and rooms | yes, excess EUR 250 | „zu betrieblichen oder beruflichen Zwecken gemieteten oder gepachteten Gebäuden und/oder …“ | A1-6.6.1, page 6 |
| Damage to borrowed or hired movable items (generators, barriers) | no | „wenn der Versicherungsnehmer oder ein Bevollmächtigter oder Beauftragter des …“ | A1-7.5, page 12 |
| Damage to third-party property being worked on | yes, excess EUR 250 | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers wegen …“ | A1-6.7.3, page 6 |
| Unregistered vehicles, forklifts, work machines and trailers on site | yes | „wegen Schäden durch den Gebrauch ausschließlich von folgenden nicht …“ | A1-6.5.1, page 6 |
| Loading and unloading damage to third-party vehicles | yes | „wegen Tätigkeitsschäden an Land-/Wasserfahrzeugen und Containern durch oder beim Be …“ | A1-6.7.1, page 7 |
| Environmental and water pollution damage (fuel, grease) | yes, excess EUR 250 | „Vereinbarungsgemäß beteiligt sich der Versicherungsnehmer an jedem Versicherungsfall …“ | Selbstbeteiligungen A2, page 3 |
| Injuries between employees and recourse of accident insurers | no | „Ausgeschlossen sind Ansprüche aus Personenschäden, bei denen es sich um Arbeitsunfälle …“ | A1-2.1.5, page 4 |
| Family members, temporary and seasonal workers co-insured | yes | „sämtlicher übrigen Betriebsangehörigen, in den Betrieb des Versicherungsnehmers …“ | A1-2.1.2, page 4 |
| Private liability of owner and family co-insured | not addressed | ||
| Loss of third-party keys and access cards | yes, excess EUR 250 | „aus dem Abhandenkommen von fremden mechanischen oder elektronischen Schlüsseln“ | A1-6.4.2, page 6 |
| Animals kept for the business (pony rides, animal shows) | yes | „als Halter von Tieren, die betrieblichen Zwecken dienen“ | A1-6.14, page 10 |
| Fireworks, pyrotechnics and open flames | no | „sowie aus Veranstaltung oder Abbrennen von Feuerwerken.“ | A1-7.22, page 14 |
| Liability at winter quarters and storage yard | not addressed |
Rides and contents
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Property cover for the ride or stall itself | not addressed | ||
| All-risks cover | not addressed | ||
| Fire, lightning, explosion | not addressed | ||
| Storm and hail at the site | not addressed | ||
| Storm cover only if operation stopped and secured at stated wind force | not addressed | ||
| Theft and burglary from trailers and stalls | not addressed | ||
| Vandalism and malicious damage | not addressed | ||
| Machinery breakdown and operating errors | not addressed | ||
| Electronics, lighting and sound systems, controls | not addressed | ||
| Stock, supplies, prizes and cash | not addressed | ||
| Living trailer and personal belongings | not addressed | ||
| Cover in winter storage | not addressed | ||
| Indemnity at replacement value instead of current value | not addressed | ||
| Waiver of underinsurance | not addressed |
Transport and travel
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Transport cover between fairgrounds | not addressed | ||
| Road and shunting accidents | not addressed | ||
| Exclusion for inadequate load securing or overloading | not addressed | ||
| Theft from unattended vehicles only under conditions | not addressed | ||
| Salvage, clean-up and towing costs | not addressed |
Loss of income and costs
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of income after damage to the ride | not addressed | ||
| Indemnity period for loss of income | not addressed | ||
| Cancellation of the fair by organiser or authority | not addressed | ||
| Refund of pitch fees already paid | not addressed | ||
| Re-inspection costs after damage | not addressed | ||
| Defence against unfounded claims and criminal defence costs | yes | „die Abwehr unberechtigter Schadensersatzansprüche“ | A1-4.1, page 4 |
Obligations and exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Valid type approval, log book and regular inspection required | not addressed | ||
| Requirements for operator qualification and minimum age | not addressed | ||
| Safety obligations (barriers, supervision, official requirements) | not addressed | ||
| Cover also for gross negligence | not addressed | ||
| Exclusion of wear and tear and lack of maintenance | not addressed | ||
| Exclusion when operator under influence of alcohol or drugs | not addressed | ||
| Exclusion when permitted passenger number or load exceeded | not addressed | ||
| Exclusion or special rule for bouncy castles and inflatables | not addressed | ||
| Exclusion of registered motor vehicles | yes | „Ausgeschlossen sind Ansprüche wegen Schäden, die der Versicherungsnehmer, eine …“ | A1-7.14, page 13 |
| Consorcio de Compensación de Seguros for extraordinary risks (Spain) | not addressed |
Deductible and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible for liability per claim | yes | „Falls vereinbart, beteiligt sich der Versicherungsnehmer bei jedem Versicherungsfall an …“ | A1-5.3, page 5 |
| Deductible for property and transport, including storm | not addressed | ||
| Off-season suspension or premium reduction | not addressed | ||
| Provisional cover or short-notice certificate for pitch applications | not addressed | ||
| Contract term and notice period | not addressed | ||
| Innovation clause for future improvements | 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
- Bernhard Assekuranz (Assekuradeur, Risikoträger am Text prüfen)
- Distribution
- available through brokers
- Allgemeine Versicherungsbedingungen für Vereine, Kirchengemeinden, Schaustellerbetriebe und Vergnügungseinrichtungen, PremiumSchutz, Formular 3020 Edition: Formular 3020, Stand 01.11.2020 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 Bernhard Assekuranz Bernhard PremiumSchutz für
Schaustellerbetriebe and available as plain text.
Volltext Bernhard Assekuranz Bernhard PremiumSchutz für Schaustellerbetriebe Schaustellerversicherung · As text (Markdown) Bernhard Assekuranz Bernhard PremiumSchutz für Schaustellerbetriebe Showmen insurance