Betriebshaftpflichtversicherung

Betriebshaftpflichtversicherung, commonly shortened to Betriebshaftpflicht, is a form of liability insurance in Germany that protects a business against claims arising from its everyday operations. It is designed to cover third-party financial losses caused by the insured’s activities, including bodily injury, property damage, and certain types of financial losses linked to products or services.

Typical coverage includes bodily injury and property damage caused to third parties on business premises or through business activities, product liability for damages connected with goods sold or manufactured, and personal or advertising injury arising from business operations. Many policies also cover the costs of defense in legal proceedings, settlements, and judgments up to agreed limits. Extensions may include completed operations, environmental liability, and recall costs, though these are often offered as add-ons or separate coverages.

Key terms in a policy include the coverage limits (per claim and aggregate), the deductible (Selbstbeteiligung), and the territorial scope (usually Germany and, for some risks, the broader European area or worldwide with restrictions). Exclusions commonly apply to intentional acts, contractual liability beyond what the policy assumes, fines or penalties, and sometimes certain pollution or professional services-related risks, depending on the specific contract.

Who needs this insurance? Virtually any business that interacts with customers, clients, or the public, including tradespeople, retailers, manufacturers, service providers, and office-based companies. Clients or landlords may require proof of coverage as a condition of doing business. In many cases, Betriebshaftpflicht is a foundational risk-management tool and is often complemented by Berufshaftpflicht (professional liability) for specific professional activities.

Review and renewal processes typically involve assessing risk exposure, updating limits, and adjusting premiums to reflect changes in the business size, operations, or claims history.