Key insurance
The key insurance is a type of liability insurance that releases the policyholder from claims in the event of loss of keys .
background
In facilities with a large number of public traffic (company buildings, schools, sports facilities) there are usually numerous keys in circulation. If individual keys are lost - in order to prevent unauthorized access - numerous keys and lock cylinders must be exchanged; the reimbursement of costs by the "loser" is usually not possible - for amounts in the five-digit euro range. Therefore, many institutions (e.g. universities) require key insurance to be taken out before handing out keys. The key insurance usually covers the costs mentioned, unless the "loser" can be proven intent .
Typical sums insured are:
- In the private sector, a liability amount of € 30,000, deductible € 150
- In the private and professional area, a liability amount of € 50,000, deductible € 150
Typical group of people
Typical policyholders are (among others):
- Student (e.g. the team captain of a soccer team who has a gym key)
- Students and employees of universities with access to laboratory or office space
- Employees of public administration bodies
- Users of public facilities such as gyms or youth centers
- facility manager
- Employees of companies with their own key for larger buildings
- Teachers
decline
The increased spread of electronic keys ( RFID , chip card ) makes it possible to block individual keys that have been reported as lost without having to exchange other keys or locks. The legal risk is thus eliminated through technical innovations; the importance of key insurance will continue to decline in the future. Many large companies only use mechanical keys for individual rooms in which locking cylinders can be exchanged at reasonable costs.
