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Behandlung von Outdoorsportrisiken im Versicherungsbereich

  • This bachelor thesis is dedicated to the topic of insurance in the outdoor sports sector. The range of services offered by personal liability insurances, business liability insurances, association liability insurances and accident insurances were examined. For this purpose, all insurance terms and conditions available or obtainable in spring 2021 by companies organized in the German Insurance Association (Gesamtverband der Deutschen Versicherungswirtschaft e.V.) were compiled and examined for commonalities and differences. Exclusions, inclusions, and special features by the insurance companies were also considered. The results are presented in a tabular overview. As a result, it was possible to determine that in the case of personal liability insurances, coverage for all types of sports is basically provided by all insurance companies without distinction. Deviations can only be found in the areas of horses/riding, water sports and air sports. Only in this spectrum personal liability insurers each make their own offer, which can clearly distinguish them from their competitors. In the case of business liability, no generalized regulations could be identified, except that the respective business purpose is insured. Thus, specialized outdoor sports companies or outdoor events of other companies are insured. In conclusion, competition among insurance companies is likely to be most pronounced in business liability insurances. Association liability insurances lag behind these major liability areas because sports associations can obtain coverage from a major insurer. The offers by the insurance companies focus on the purpose of the association and are evaluated individually. With the exception of air sports activities, accident insurances indiscriminately insure all bodily injuries that occur as a result of an accident in a private context in outdoor sports. In general, outdoor sports activities of all kinds are always insured or can be insured through appropriate rate or contract negotiations.

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Author:Sandra Zuckrigl
Advisor:Gerrit Horstmeier
Document Type:Bachelor Thesis
Year of Completion:2021
Granting Institution:Hochschule Furtwangen
Release Date:2021/10/05
Tag:Outdoorsport; Private Risiken; Versicherung
Degree Program:IBW - Internationale Betriebswirtschaft
Functional area:Andere/Other
Licence (German):License LogoUrheberrechtlich gesch├╝tzt