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Abschnitt A – Vermögensschaden-HaftpflichtversicherungHa_VUbbY_^b Rh @YbS_g

/

I. Was istversichert?

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Abschnitt A – Vermögensschaden-HaftpflichtversicherungHa_VUbbY_^b Rh @YbS_g

0

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Abschnitt A – Vermögensschaden-HaftpflichtversicherungHa_VUbbY_^b Rh @YbS_g

1

II. Was ist nichtversichert?

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Abschnitt B – Allgemeine RegelungenHa_VUbbY_^b Rh @YbS_g

2

I. Wer istversichert?

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Abschnitt B – Allgemeine RegelungenHa_VUbbY_^b Rh @YbS_g

3

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III. VersicherterZeitraum

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Abschnitt B – Allgemeine RegelungenHa_VUbbY_^b Rh @YbS_g

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IV. RäumlicherGeltungsbereich

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V. Leistungen desVersicherers

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Abschnitt B – Allgemeine RegelungenHa_VUbbY_^b Rh @YbS_g

++

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VI. Prämien-anpassunginfolgeUmsatzänderung

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Abschnitt B – Allgemeine RegelungenHa_VUbbY_^b Rh @YbS_g

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VIII. Änderungen desversichertenRisikos

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Entschädigungsgrenze für Obhutsschäden – Abschnitt A I. 2.14. dieser Bedingungen

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I. Was istversichert?

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Abschnitt A – Betriebs-Haftpflichtversicherung9UcaYURb'@QVc`V\YSXc Rh @YbS_g

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Abschnitt A – Betriebs-Haftpflichtversicherung9UcaYURb'@QVc`V\YSXc Rh @YbS_g

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V. Leistungen desVersicherers

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Allgemeine RegelungenBedingungen 04/2015

Allgemeine RegelungenBedingungen 04/2015

2

IndexI. Prämienzahlung 3

II. Anpassung des Prämiensatzes 3

III. Anzeigepflichten vor Vertragsschluss 4

IV. Dauer des Versicherungsvertrages 4

V. (Teilweise) Kündigung des Versicherungsvertrages 4

VI. Anzuwendendes Recht und Gerichtsstände 5

VII. Ansprechpartner 5

Allgemeine RegelungenBedingungen 04/2015

3

I. Prämien-zahlung

1. Erste oder einmalige Prämie

Die einmalige oder erste Prämie ist unverzüglich nach Ablauf von 14 Tagen nachZugang des Versicherungsscheins zu zahlen. Ist die einmalige oder erste Prämie beiEintritt des Versicherungsfalles nicht gezahlt, ist der Versicherer zur Leistung nichtverpflichtet, es sei denn, der Versicherungsnehmer hat die Nichtzahlung nicht zuvertreten. Allerdings ist der Versicherer nur leistungsfrei, wenn er denVersicherungsnehmer durch gesonderte Mitteilung in Textform oder durch einenauffälligen Hinweis im Versicherungsschein auf diese Rechtsfolge der Nichtzahlung derPrämie aufmerksam gemacht hat.

Solange die einmalige oder erste Prämie nicht rechtzeitig gezahlt ist, ist der Versichererzum Rücktritt vom gesamten Versicherungsvertrag berechtigt, es sei denn, derVersicherungsnehmer hat die Nichtzahlung nicht zu vertreten.

2. Folgeprämien

Die Folgeprämien sind unverzüglich nach Ablauf von 14 Tagen nach Zugang derPrämienrechnung zu zahlen. Wird eine Folgeprämie nicht rechtzeitig gezahlt, darf derVersicherer dem Versicherungsnehmer auf dessen Kosten in Textform eineZahlungsfrist bestimmen, die mindestens zwei Wochen betragen muss. DieBestimmung ist nur wirksam, wenn sie die rückständigen Beträge der Prämie, Zinsenund Kosten im Einzelnen beziffert und die Rechtsfolgen angibt, die mit dem Fristablaufverbunden sind. Tritt der Versicherungsfall nach Fristablauf ein und ist derVersicherungsnehmer bei Eintritt mit der Zahlung der Prämie oder der Zinsen oderKosten in Verzug, ist der Versicherer von der Verpflichtung zur Leistung frei.

Nach Fristablauf kann der Versicherer den gesamten Versicherungsvertrag ohneEinhaltung einer Frist kündigen, sofern der Versicherungsnehmer mit der Zahlung dergeschuldeten Beträge in Verzug ist. Der Versicherer darf die Kündigung mit derBestimmung der Zahlungsfrist so verbinden, dass sie mit Fristablauf wirksam wird, wennder Versicherungsnehmer zu diesem Zeitpunkt mit der Zahlung in Verzug ist. Hieraufwird der Versicherer den Versicherungsnehmer bei der Kündigung ausdrücklichhinweisen. Die Kündigung wird unwirksam, wenn der Versicherungsnehmer innerhalbeines Monats nach der Kündigung oder des Fristablaufs die Zahlung leistet, sofern nichtder Versicherungsfall bereits eingetreten ist.

3. Lastschriftverfahren

Ist vereinbart, dass der Versicherer die Prämien von einem Konto einzieht, giltFolgendes:

Kann eine Einziehung aus Gründen, die der Versicherungsnehmer zu vertreten hat,nicht fristgerecht bewirkt werden oder widerspricht der Versicherungsnehmer einerberechtigten Einziehung, gilt die Prämie als nicht rechtzeitig gezahlt. Scheitert dieEinziehung eines Betrags aus Gründen, die der Versicherungsnehmer nicht zu vertretenhat, gilt die Prämie erst dann als nicht rechtzeitig gezahlt, wenn derVersicherungsnehmer nach schriftlicher Zahlungsaufforderung nicht innerhalb von zweiWochen zahlt. Zu weiteren Einziehungsversuchen ist der Versicherer nicht verpflichtet.

II. AnpassungdesPrämiensatzes

Der Prämiensatz der einzelnen Module wird unter Berücksichtigung unserer jeweiligenKalkulationsgrundlagen (z.B. Schaden- und Kostenaufwand, Stornoquote,Bestandszusammensetzung) unter Beachtung der anerkannten Grundsätze derVersicherungsmathematik und Versicherungstechnik ermittelt.

Bei einem sich aus einer Überprüfung dieser Kalkulationsgrundlagen ergebendenÄnderungsbedarf ist der Versicherer berechtigt, den für die betroffenen Modulegeltenden Prämiensatz anzupassen. Dieser neue Prämiensatz wird mit Beginn dernächsten Versicherungsperiode wirksam, wenn der neue Prämiensatz unterKenntlichmachung der Änderung dem Versicherungsnehmer spätestens drei Monatevor Beginn der nächsten Versicherungsperiode mitgeteilt wird.

Bei einer solchen Änderung des Prämiensatzes kann der Versicherungsnehmer denVersicherungsvertrag insgesamt oder das jeweils betroffene Modul im Wege einerTeilkündigung innerhalb eines Monats nach Mitteilung des Versicherers frühestens zumZeitpunkt des Wirksamwerdens der Änderung kündigen. Andernfalls wird der Vertrag zudem geänderten Prämiensatz fortgeführt.

Allgemeine RegelungenBedingungen 04/2015

4

III. Anzeige-pflichten vorVertrags-schluss

1. Anzeige gefahrerheblicher Umstände

Bis zur Abgabe der Vertragserklärung hat der Versicherungsnehmer alle ihm bekanntenGefahrumstände, die für den Entschluss des Versicherers, den Vertrag mit demVersicherungsnehmer zu schließen, erheblich sind und nach denen der Versicherer inTextform gefragt hat, anzuzeigen.

2. Folgen einer Pflichtverletzung

Verletzt der Versicherungsnehmer die Pflicht zur richtigen und vollständigen Anzeigegefahrerheblicher Umstände, so kann der Versicherer vom Vertrag zurücktreten. Dasgilt nicht, wenn der Versicherungsnehmer seine Anzeigepflicht weder vorsätzlich nochgrob fahrlässig verletzt hat. In diesem Falle hat der Versicherer aber das Recht, denVertrag unter Einhaltung einer Frist von einem Monat zu kündigen.

3. Rücktritt nach Eintritt des Versicherungsfalles

Im Falle eines Rücktritts nach Eintritt des Versicherungsfalles ist der Versicherer nichtzur Leistung verpflichtet, es sei denn, die Verletzung der Anzeigepflicht bezieht sich aufeinen Umstand, der weder für den Eintritt oder die Feststellung des Versicherungsfallesnoch für die Feststellung oder den Umfang der Leistungspflicht des Versicherersursächlich ist. Hat der Versicherungsnehmer die Anzeigepflicht arglistig verletzt, ist derVersicherer nicht zur Leistung verpflichtet.

IV. Dauer desVersicherungs-vertrages

1. Beginn und Ende des Versicherungsschutzes

Der Versicherungsschutz beginnt und endet entsprechend den Angaben desVersicherungsscheins.

2. Vertragsverlängerung

Der Versicherungsvertrag ist für die im Versicherungsschein bestimmte Dauerabgeschlossen.

Der Vertrag verlängert sich um jeweils ein weiteres Jahr, wenn er nicht von einer derParteien mit einer Frist von einem Monat zum Ende der laufendenVersicherungsperiode in Textform insgesamt gekündigt wird.

V. (Teilweise)Kündigung desVersicherungs-vertrages

1. Teilkündigung zum Ende der laufenden Versicherungsperiode

Beide Parteien können im Wege der Teilkündigung einzelne Module desVersicherungsvertrages mit einer Frist von einem Monat zum Ende der laufendenVersicherungsperiode in Textform kündigen. In diesem Fall enden sämtliche diesesModul betreffenden Vereinbarungen zum Ende der laufenden Versicherungsperiode.

2. Teilkündigung bei einer Obliegenheitsverletzung vor Eintritt des Versicherungsfalles

Verletzt der Versicherungsnehmer vorsätzlich oder grob fahrlässig eine derObliegenheiten, die er gemäß den jeweiligen Modulen vor Eintritt desVersicherungsfalles gegenüber dem Versicherer zu erfüllen hat, so kann der Versichererinnerhalb eines Monats, nachdem er von der Verletzung Kenntnis erlangt hat, diesesModul fristlos in Textform kündigen. In diesem Fall enden sämtliche dieses Modulbetreffenden Vereinbarungen mit Zugang der Teilkündigung beimVersicherungsnehmer. Die Beweislast für das Nichtvorliegen von Vorsatz oder groberFahrlässigkeit trägt der Versicherungsnehmer.

3. Teilkündigung nach Eintritt des Versicherungsfalles

3.1. Nach dem Eintritt eines Versicherungsfalles in einem der vereinbarten Modulekann jede der Vertragsparteien dieses Modul kündigen. Die Kündigung ist inTextform zu erklären. Die Kündigung ist nur bis zum Ablauf eines Monats seitdem Abschluss der Verhandlungen über die Entschädigung zulässig.

3.2. Der Versicherungsnehmer ist berechtigt, das Modul mit sofortiger Wirkung oderzu jedem späteren Zeitpunkt bis zum Ablauf der Versicherungsperiode zukündigen.

Allgemeine RegelungenBedingungen 04/2015

5

3.3. Eine Kündigung des Versicherers wird einen Monat nach ihrem Zugang beimVersicherungsnehmer wirksam.

VI. Anzuwenden-des Recht undGerichtsstände

1. Anzuwendendes Recht

Auf diesen Vertrag ist deutsches Recht unter Ausschluss des UN-Kaufrechtsanzuwenden.

2. Gerichtsstand für Klagen gegen den Versicherer

Klagen gegen den Versicherer aus dem Versicherungsvertrag können bei dem für denGeschäftssitz der vertragsverwaltenden Niederlassung örtlich zuständigen Gerichterhoben werden. Für Klagen aus dem Versicherungsvertrag oder derVersicherungsvermittlung ist auch das Gericht örtlich zuständig, in dessen Bezirk derVersicherungsnehmer zur Zeit der Klageerhebung seinen Wohn- oder Geschäftssitz, inErmangelung eines solchen seinen gewöhnlichen Aufenthalt, hat.

3. Gerichtsstand für Klagen des Versicherers

Für Klagen aus dem Versicherungsvertrag oder der Versicherungsvermittlung gegenden Versicherungsnehmer ist ausschließlich das Gericht örtlich zuständig, in dessenBezirk der Versicherungsnehmer zur Zeit der Klageerhebung seinen Wohn- oderGeschäftssitz, in Ermangelung eines solchen seinen gewöhnlichen Aufenthalt, hat.

VII. Ansprech-partner

1. Anschrift- oder Namensänderung

Der Versicherungsnehmer ist verpflichtet, dem Versicherer Änderungen seiner Anschriftoder seines Namens unverzüglich mitzuteilen. Hat der Versicherungsnehmer eineÄnderung dem Versicherer nicht mitgeteilt, genügt für eine Willenserklärung oderandere Mitteilungen, die dem Versicherungsnehmer gegenüber abzugeben sind, dieAbsendung eines eingeschriebenen Briefes an die letzte dem Versicherer bekannteAnschrift. Die Erklärung gilt drei Tage nach der Absendung des Briefes als zugegangen.

2. Versicherer

Der Versicherer ergibt sich aus dem Versicherungsschein.

3. Vertragsverwaltung

Hiscox Europe Underwriting LimitedZweigniederlassung für die Bundesrepublik DeutschlandArnulfstr. 3180636 München

4. Beschwerden

Beschwerden können an den Versicherer, dessen Vertragsverwaltung, dieBundesanstalt für Finanzdienstleistungsaufsicht (BaFin, Sektor Versicherungsaufsicht,Graurheindorfer Str. 108, 53117 Bonn) oder den British Financial Ombudsman Service,South Quay Plaza, 183 Marsh Wall, London E14 9SR, United Kingdom, gerichtetwerden. Des Weiteren ist der Versicherer Mitglied im VereinVersicherungsombudsmann e. V. Damit ist für den Versicherungsnehmer dieMöglichkeit eröffnet, den unabhängigen und neutralen Ombudsmann in Anspruch zunehmen, wenn er mit einer Entscheidung einmal nicht einverstanden sein sollte. Eineentsprechende Beschwerde müsste vom Versicherungsnehmer an die untenaufgeführte Adresse gerichtet werden. Das Verfahren ist für den Versicherungsnehmerkostenfrei, das Recht zum Beschreiten des ordentlichen Rechtswegs bleibt davonunberührt.

Versicherungsombudsmann e. V.Postfach 08 06 3210006 BerlinTel.: 01804/22 44 24Fax: 01804/22 44 25E-Mail: beschwerde@versicherungsombudsmann.de

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