What services do Berufsgenossenschaften (professional/trade associations or employer’s liability insurance associations) offer, and which ones should I register with? firma.de has indexed each one for you, including their contact information and areas of responsibility. You’ll also find out the benefits offered by these statutory accident insurers and how they are organised.
Contents
- List of all Berufsgenossenschaften and their areas of responsibilities
- Berufsgenossenschaften membership
- What benefits do Berufsgenossenschaften offer?
- Prevention
- Rehabilitation
- Training and development
- How are trade insurance institutions organised?
- Structure and representation
Got questions about setting up a business in Germany?
- Startup expert
- 10+ years experience
Hi, I’m Andreas and I’ve been advising businesses in Germany for over a decade. I’d be happy to call you and answer any questions you have in a one-on-one consultation.
List of all Berufsgenossenschaften and their areas of responsibilities
In general, the responsibilities of Berufsgenossenschaften are organised according to economic sectors. There are instances where fields of service overlap – in such cases, the association’s core competency is decisive.
If you have any questions about responsibility, the Deutsche Gesetzliche Unfallversicherung, or DGUV (German statutory accident insurance) can help you:
Deutsche Gesetzliche Unfallversicherung e. V.
Glinkastraße 40
10117 Berlin
General hotline: 0800 – 60 50 404
Telephone: +49 30 2887 63 80-0
info@dguv.de
www.dguv.de
Use the search (Ctrl+f or Cmd+f) to find your sector in the list below.
| Trade Association | Competencies | Contact |
| Berufsgenossenschaft der Bauwirtschaft (BG BAU) (employer’s liability insurance association for the construction industry) |
| Berufsgenossenschaft der Bauwirtschaft Hildegardstraße 29-30 10715 Berlin Tel.: +49 30 85781-0 info@bgbau.de www.bgbau.de |
| Berufsgenossenschaft Nahrungsmittel und Gastgewerbe (BGN) (employer’s liability insurance association for the food and catering industry) |
| Berufsgenossenschaft Nahrungsmittel und Gastgewerbe Dynamostraße 7-11 68165 Mannheim Tel.: +49 621 4456-0 info@bgn.de www.bgn.de |
| Berufsgenossenschaft Rohstoffe und chemische Industrie (BG RCI) (employer’s liability insurance association for raw materials and the chemical industry) |
| Berufsgenossenschaft Rohstoffe und chemische Industrie Kurfürsten-Anlage 62 69115 Heidelberg Tel.: +49 6221 5108-0 info@bgrci.de www.bgrci.de |
| Berufsgenossenschaft Energie Textil Elektro Medienerzeugnisse (BG ETEM) (employer’s liability insurance association for energy, textiles, electrical and media products) |
| Berufsgenossenschaft Energie Textil Elektro Medienerzeugnisse Gustav-Heinemann-Ufer 130 50968 Köln Tel.: +49 221 3778-0 info@bgetem.de www.bgetem.de |
| Berufsgenossenschaft Handel und Warenlogistik (BG HW) (employer’s liability insurance association for trade and goods logistics) |
| Berufsgenossenschaft Handel und Warenlogistik Direktion Mannheim M5, 7 68161 Mannheim Tel.: +49 621 183-0orBerufsgenossenschaft Handel und Warenlogistik Direktion Bonn Niebuhrstraße 5, 53113 Bonn Tel.: +49 228 5406-9 info@bghw.de www.bghw.de |
| Berufsgenossenschaft für Gesundheitsdienst und Wohlfahrtspflege (BGW) (employer’s liability insurance association for health services and social welfare care) |
| Berufsgenossenschaft für Gesundheitsdienst und Wohlfahrtspflege Pappelallee 33/35/37 22089 Hamburg Tel.: +49 40 20207-0 webmaster@bgw-online.de www.bgw-online.de |
| Berufsgenossenschaft Holz und Metall (BG HM) (employer’s liability insurance association for wood and metal) |
| Berufsgenossenschaft Holz und Metall Isaac-Fulda-Allee 18 55124 Mainz 0800 – 99 90 080-1 servicehotline@bghm.de www.bghm.de |
| Berufsgenossenschaft Verkehrswirtschaft Post-Logistik Telekommunikation (BG Verkehr) (employers’ liability insurance association for transport, post and logistics, telecommunications) |
| Berufsgenossenschaft Verkehrswirtschaft Post-Logistik Telekommunikation Ottenser Hauptstraße 54 22765 Hamburg Tel.: +49 40 3980-0 info@bg-verkehr.de www.bg-verkehr.de |
| Landwirtschaftliche Berufsgenossenschaft (LBG) (agricultural employers’ liability insurance association) |
| 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) (federal and railway accident insurance) |
| Unfallversicherung Bund und Bahn Salvador-Allende-Straße 9 60487 Frankfurt am Main Tel.: +49 69 47 863-0 info@uv-bund-bahn.de www.uv-bund-bahn.de |
| Unfallkassen (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. |
| Unfallkassen (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: Feuerwehr-Unfallkasse Mitte Magdeburger Allee 4
Feuerwehr-Unfallkasse Niedersachsen
Feuerwehr-Unfallkasse Brandenburg Müllroser Chaussee 75 |
| Deutsche Gesetzliche Unfallversicherung (DGUV) (German statutory 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. Glinkastraße 40 10117 Berlin Tel.: +49 30 2887 63 80-0 info@dguv.de www.dguv.de |
Berufsgenossenschaften membership
Berufsgenossenschaften 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:
Prevention
- 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
Rehabilitation
- 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 structured
The legal framework for the activities and obligations of Berufsgenossenschaften is in SGB IV (Book IV) and SGB VII (Book VII) of the German social code. The insurance providers are self-governing and are managed as public corporations. The Bundesversicherungsamt, or BVA (Federal social insurance authority) and the Bundesministerium für Arbeit und Soziales, or BMAS (Federal ministry for labour and social affairs) 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.
Note: Making sure that your company is properly protected is one of many steps in the incorporation process. Do you know all the other steps?
Got questions about setting up a business in Germany?
- Startup expert
- 10+ years experience
Hi, I’m Andreas and I’ve been advising businesses in Germany for over a decade. I’d be happy to call you and answer any questions you have in a one-on-one consultation.
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