Betriebsschließungsversicherung muss auch bei Corona-Pandemie zahlen

1) Wenn der Verwender von AVB einer Betriebsschließungsversicherung zum Ausdruck bringen will, dass der Versicherungsschutz trotz einer ausdrücklichen Bezugnahme auf die Vorschriften der §§ 6 und 7 IfSG auf eine in den Bedingungen enthaltene Liste von Krankheiten / Erregern beschränkt sein soll, muss dies klar und eindeutig geschehen; anderenfalls ist die Beschränkung unwirksam.

2) Nicht ausreichend ist es, den im Gesetz verwandten Begriff "meldepflichtige Krankheiten" bzw. "meldepflichtige Krankheitserreger" im fließtext der AB mit dem Zusatz "im Sinne dieser Bedingungen" zu versehen, um so die in § 6 I Ziff. 5 bzw. § 7 II IfSG enthaltenen Öffnungsklauseln abzubedingen und den Versicherungsschutz auf die aufgelisteten Krankheiten / Erreger zu beschränken.

Hierzu führte das Gericht aus:

Der Klägerin steht ein Anspruch auf die vereinbarte Versicherungsleistung aus der zwischen den Parteien bestehenden Betriebsschließungsversicherung zu. Es lag im Zeitraum vom 16. März 2020 bis einschließlich dem 12. Mai 2020, also für 58 Tage (nicht 59 Tage), eine bedingungsgemäß versicherte Betriebsschließung vor.

Die Anspruchsvoraussetzungen sind erfüllt, da die zuständige Behörde aufgrund des Gesetzes zur Verhütung und Bekämpfung von Infektionskrankheiten beim Menschen (Infektionsschutzgesetz - IfSG) beim Auftreten meldepflichtiger Krankheiten oder Krankheitserreger den versicherten Betrieb oder eine versicherte Betriebsstelle zur Verhinderung der Verbreitung von meldepflichtigen Krankheiten oder Krankheitserregern beim Menschen geschlossen hat.

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