Workplace AccidentInsurance
Enhanced protection beyond statutory coverage. Comprehensive workplace safety from €5/month for employees and self-employed.
Why Enhance Statutory Coverage?
Statutory insurance (BG) provides basic protection, but benefits are limited. Over 850,000 workplace accidents occur annually in Germany. Private workplace insurance provides higher lump sums, covers self-employed workers, and fills gaps in statutory protection.
Statutory vs Private Coverage
Statutory (BG) Only
- ✓Basic work accident coverage
- ✗Limited benefit amounts
- ✗Pension-based (not lump sum)
- ✗Self-employed gaps
- ✗No hospital allowance
BG + Private Coverage
- ✓Full statutory coverage PLUS
- ✓Higher lump sum payments
- ✓Flexible disability benefits
- ✓Self-employed protection
- ✓Hospital daily allowance
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Private Workplace Insurance Benefits
Starting from €5/month
Higher Benefits
Lump sum payments up to €500,000 or more. Much higher than statutory pension-based benefits for serious injuries.
Self-Employed Coverage
Full protection for freelancers, contractors, and business owners who have limited statutory coverage.
Business Travel
Enhanced coverage during business trips. Covers accidents abroad where statutory insurance may not apply.
Commuting Plus
Covers detours on your commute - daycare stops, errands, alternative routes. More flexible than statutory rules.
All Industries
Coverage for all professions from office work to construction. Options for high-risk occupations.
24/7 Optional
Extend coverage beyond work hours. Protect yourself during leisure time when statutory insurance doesn't apply.
Who Needs Enhanced Coverage?
Freelancers
Self-employed with limited BG coverage
Business Owners
Entrepreneurs and company executives
Tradespeople
Construction, manufacturing workers
High Earners
Those needing coverage above BG limits
Frequently Asked Questions
Common questions about workplace accident insurance
What is workplace accident insurance?
Workplace accident insurance provides financial protection for accidents that occur at work or during work-related activities. While Germany has statutory workplace insurance (BG), private workplace accident insurance offers additional coverage with higher benefits and covers gaps in statutory protection.
Isn't workplace accident insurance already mandatory in Germany?
Yes, statutory accident insurance through Berufsgenossenschaften (BG) is mandatory and covers work-related accidents. However, private workplace accident insurance supplements this with higher benefit amounts, coverage for self-employed individuals, and protection for scenarios statutory insurance doesn't cover.
What's the difference between statutory and private workplace insurance?
Statutory insurance (BG) covers work accidents and commuting with standardized benefits. Private workplace insurance offers: higher lump sum payments, customizable coverage, protection for self-employed, coverage for business travel, and additional benefits like hospital allowances not included in statutory coverage.
Who needs private workplace accident insurance?
Private coverage is especially valuable for: self-employed and freelancers (limited statutory coverage), business owners, high-income earners (statutory benefits may be insufficient), dangerous professions, and anyone wanting enhanced protection beyond basic statutory coverage.
Does workplace accident insurance cover commuting accidents?
Yes, both statutory and private insurance cover commuting accidents (Wegeunfall). Private insurance often provides higher benefits and covers detours that statutory insurance might not - like stopping at daycare or running work-related errands.
What industries have the highest workplace accident rates?
Industries with elevated accident risks include: construction, manufacturing, agriculture, logistics and transportation, healthcare, and food service. Workers in these industries especially benefit from supplemental private coverage.
Enhance Your Work Protection
Supplement statutory coverage from €5/month. Compare plans now.