What services do trade insurance institutions (Berufsgenossenschaften) offer, and which ones should I register with? firma.de has indexed every trade insurance institution for you, including their contact information and areas of responsibility. You’ll also find information on the benefits offered by the social accident insurers and how they are organised.
List of all Berufsgenossenschaften and their areas of responsibilities
In general, the responsibilities of commercial trade associations are organised according to economic sectors. There are instances where fields of service overlap – in such cases, the association’s core competency is decisive.
Below is a contact directory for commercial and agricultural trade associations as well as the umbrella association German Statutory Accident Insurance (Deutsche Gesetzliche Unfallversicherung – DGUV).
Use the search (Ctrl+f or Cmd+f) to find your sector in the list below.
|Berufsgenossenschaft der Bauwirtschaft (BG BAU)
(German Social Accident Insurance Institution for the building trade)
||Berufsgenossenschaft der Bauwirtschaft
Tel.: +49 30 85781-0
|Berufsgenossenschaft Nahrungsmittel und Gastgewerbe (BGN)
(German Social Accident Insurance Institution for the foodstuffs and catering industry)
Nahrungsmittel und Gastgewerbe
Tel.: +49 621 4456-0
|Berufsgenossenschaft Rohstoffe und chemische Industrie (BG RCI)
(German Social Accident Insurance Institution for the raw materials and chemical industry)
||Berufsgenossenschaft Rohstoffe und chemische Industrie
Tel.: +49 6221 5108-0
|Berufsgenossenschaft Energie Textil Elektro Medienerzeugnisse (BG ETEM)
(German Social Accident Insurance Institution for the energy, textile, electrical and media products sectors)
||Berufsgenossenschaft Energie Textil Elektro Medienerzeugnisse
Tel.: +49 221 3778-0
|Berufsgenossenschaft Handel und Warenlogistik (BG HW)
(German Social Accident Insurance Institution for the trade and logistics industry)
|Berufsgenossenschaft Handel und Warenlogistik
Tel.: +49 621 183-0orBerufsgenossenschaft Handel und Warenlogistik
Niebuhrstraße 5, 53113 Bonn
Tel.: +49 228 5406-9
|Berufsgenossenschaft für Gesundheitsdienst und Wohlfahrtspflege (BGW)
(German Social Accident Insurance Institution for health and welfare services)
||Berufsgenossenschaft für Gesundheitsdienst und Wohlfahrtspflege
Tel.: +49 40 20207-0
|Berufsgenossenschaft Holz und Metall (BG HM)
(German Social Accident Insurance Institution for the woodworking and metalworking industries)
||Berufsgenossenschaft Holz und Metall
0800 – 99 90 080-1
|Berufsgenossenschaft Verkehrswirtschaft Post-Logistik Telekommunikation (BG Verkehr)
(German Social Accident Insurance Institution for Transport and Traffic)
||Berufsgenossenschaft Verkehrswirtschaft Post-Logistik Telekommunikation
Ottenser Hauptstraße 54
Tel.: +49 40 3980-0
|Landwirtschaftliche Berufsgenossenschaft (LBG)
(German Social Accident Insurance Institution for the agricultural industry)
||The German Social Accident Insurance Institution for the agricultural industry is part of the German Social Accident Insurance Institution for agriculture, forestry and horticulture.
Sozialversicherung für Landwirtschaft, Forsten und Gartenbau
|Unfallversicherung Bund und Bahn (UVB)
(German Social Accident Insurance Institution for the Federal Government and for the railway services)
||Unfallversicherung Bund und Bahn
60487 Frankfurt am Main
Tel.: +49 69 47 863-0
(Public sector accident insurers)
|The German Unfallkassen are providers of accident insurance for employees in the public sector and related subsidiaries. The insurers are organised at federal, state and local levels. Among others, the following occupational groups are insured by the German public sector accident insurers:
||Every German federal state has its own public sector accident insurer. Click here for an overview.|
(Public sector accident insurers)
|There are specialised accident insurers for fire brigade employees and their families. They are organised according to regional head offices. There is no umbrella organisation.||Responsible for Hamburg, Mecklenburg-Western Pomerania and Schleswig-Holstein:
Hanseatische Feuerwehr-Unfallkasse Nord (HFUK Nord)
Responsible for Saxony-Anhalt and Thuringia:
Müllroser Chaussee 75
|Deutsche Gesetzliche Unfallversicherung (DGUV)
(German Social Accident Insurance)
|The DGUV is the umbrella organisation for all social accident insurers and Unfallkassen and has plenty of information on accident insurance across all industries. For questions about membership obligations and areas of responsibility, the DGUV is your point of contact. There are further regional associations in:
||Deutsche Gesetzliche Unfallversicherung e. V.
Tel.: +49 30 2887 63 80-0
Commercial trade insurance institutions are the carriers of German statutory accident insurance. In addition to the trade insurance institutions, there are also accident insurance carriers who cover the public sector, civil servants, school students and university students.
What benefits do Berufsgenossenschaften offer?
The duties of trade insurance institutions can be summarised and sorted into three core areas: prevention, rehabilitation and training and development:
- Accident prevention (both at the workplace and while commuting)
- Preventing occupational illnesses
- Raising awareness of occupational hazards
- Implementing accident prevention regulations and service regulations
- Monitoring compliance with accident prevention regulations
- Performing inspections
- Improving workplace ergonomics
- Promoting workplace sports activities
- Determining risk rates
- Financial support for insured persons in case they are unable to work
- Payment of injury compensation
- Coordination of medical procedures and healthcare services
- Occupational rehabilitation procedures
- Social rehabilitation procedures
- Reassigning jobs and fields of work
- Pension payments and death grants that result from deadly occupational accidents or illnesses
Training and development
- Seminars on workplace safety and accident prevention
- Training course evaluation
- Awarding certificates and trainer qualifications
How trade insurance institutions are organised
The legal framework for the activities and obligations of commercial trade insurance institutions is laid out by Book IV and Book VII of the German Social Code (SGB IV and SGB VII). The insurance providers are self-governing and are managed as public corporations. The Federal Social Insurance Authority (Bundesversicherungsamt – BVA) and the Federal Ministry for Labour and Social Affairs (Bundesministerium für Arbeit und Soziales – BMAS) serve as supervisory authorities.
Structure and representation
Like an association, insured persons are organised according to membership and represented by an executive board. Another governing body is the representative assembly, which is responsible for conceptualising and drafting accident prevention regulations. The representative assembly is composed of equal numbers of employers and employees. They also elect the executive board, making the assembly the institution’s strongest governing body.
Although they carry out similar tasks in some industries, trade insurance institutions and social insurance carriers are not to be confused with professional chambers/associations.
The information published on our site is all written and checked by experts with the utmost care. Nevertheless, we cannot guarantee its accuracy, as laws and regulations are subject to constant change. Therefore, always consult an expert in a specific case – we will be happy to put you in touch.
firma.de does not assume any liability for damages caused by errors in the texts.