Secure protection for your construction helpers
The construction helper accident insurance from nextsure offers comprehensive financial protection for private builders and their unpaid helpers in case of accidents on the construction site.
Comprehensive Accident Protection
For all private helpers
Digital & quick to complete
What is a construction helper accident insurance and why is it indispensable?
Legal Obligations
Risk Coverage Construction Site
Financial Security Helper
Protection against high costs
Who qualifies as a construction helper and who is covered by the insurance?
Construction helpers, as defined by construction helper accident insurance, are all individuals who assist you with your private construction project either voluntarily or for a small fee. This typically includes friends, relatives, neighbours, and acquaintances who help out without a commercial background or regular wages. Commercial craftsmen or construction companies are not covered by this protection, as they must have their own professional insurance. The construction helper accident insurance is designed for private builders who use amateurs for support. Even if helpers must be registered with the Construction Industry Employers' Liability Insurance Association (BG Bau), private construction helper accident insurance often offers extended benefits and higher coverage sums, exceeding the basic protection of BG Bau and thus providing more comprehensive financial security in the event of damage.
Your Shield
Security for your construction project
Accident protection
Financial security in case of disability or death.
Medical expenses
Coverage of doctor, hospital, and rehabilitation costs.
Salvage costs
Assumption of costs for necessary rescue and recovery measures.
Immediate Performance
Quick financial assistance for serious injuries.
Cosmetic Surgery
Coverage for medically necessary cosmetic surgeries following an accident.
Construction Site Protection
Protection ensured directly at your construction site.
Affordable Contributions
Fair premiums for comprehensive protection of your helpers.
Online Degree
Easily and quickly conclude your insurance digitally.
Expert Advice
Expert advice for your individual needs.
Comprehensive services for your construction helpers
Secure now
Reliably protect construction helpers!
What specific benefits are included in the construction helper accident insurance?
The construction helper accident insurance offers a comprehensive range of benefits to financially protect construction helpers in the event of an accident. The core benefits include covering medical treatment costs not covered by health insurance, as well as daily hospital allowance. A key aspect is the disability benefit, which is a lump sum payment or pension in the case of permanent health impairments resulting from the accident. In the event of death, a death benefit is paid to the surviving dependents. Often, costs for cosmetic surgery, which are medically necessary to restore the external appearance after an accident, are also included. Additionally, rescue and recovery costs, rehabilitation measures, and transitional benefits until the clarification of disability may be part of the insurance coverage.
Costs and Factors: How much does a construction helper accident insurance cost?
The costs of construction helper accident insurance are influenced by various factors. The key elements include the number of registered construction helpers and the total number of working hours they provide (helper hours). The chosen sum insured, particularly for the case of disability, also plays a significant role: higher coverage amounts lead to higher premiums. The type and scope of the planned construction work (e.g., shell construction, interior work) can also be taken into account, as riskier activities increase the accident risk. The duration of the insurance contract, which is based on the length of the construction project, is another cost factor. Transparent providers like nextsure enable precise online calculations based on these individual parameters.
The right insurance coverage: What private builders need to consider.
When choosing the right accident insurance for construction workers, property owners should carefully consider several aspects. Ensure that the insurance sum is sufficiently high, especially for cases of disability, to cover long-term financial impacts; experts often recommend sums of at least €100,000. The insurance period must cover the entire construction phase in which helpers are active. Carefully check which individuals are defined as construction helpers. Familiarise yourself with exclusions in the contract and clarify your reporting obligations to the insurer in the event of a claim. Compare not only the price but also the scope of coverage and conditions of different providers.
Reporting obligations to the BG Bau: What do you need to know as a client?
Private property owners are legally required to register their unpaid helpers with the relevant Employers' Liability Insurance Association for the construction industry (BG Bau) before starting work. This obligation to report exists regardless of whether a private construction helper accident insurance has been taken out. BG Bau is the provider of statutory accident insurance for the construction industry. If you fail to register, fines and, in the event of damage, back payments and possible claims for recourse may be incurred. A private construction helper accident insurance does not replace registration with BG Bau but often complements its benefits with higher insurance sums and additional services.
Transparent & Fair
Clear conditions, no hidden costs.
Quick & Digital
Complete online in a few minutes.
Individual & Tailored
Your personal needs are at the forefront.
Construction Helper Accident Insurance vs. Builder's Liability: The Key Differences.
Although both insurance types are relevant for builders, the construction helper accident insurance and the builder's liability insurance cover fundamentally different risks. The construction helper accident insurance provides benefits if a registered construction helper suffers an accident while working on the construction site. It thus covers personal injuries to the helpers. In contrast, the builder's liability insurance comes into play if the construction project or site causes damage to third parties (personal injury, property damage, or financial losses). Both insurances are essential for builders and complement each other.
Accident on the construction site: How should I behave correctly in the event of an accident?
In the event of an accident involving a construction helper, swift and correct action is critical. The priority is the first medical aid for the injured person. Document the circumstances of the accident in detail: What, when, where, who, what injuries? Take photos. Report the accident immediately to your construction helper accident insurance and, if the helper is registered with BG Bau, also to them. Both institutions provide forms and information for claims processing. Carefully keep all relevant receipts and medical reports. A timely and complete report is a prerequisite for smooth claims processing.
Digital solutions from nextsure: Easily take out construction helper accident insurance online.
Digitisation considerably simplifies taking out accident insurance for construction helpers. Providers like nextsure make it possible to complete the entire process online. You can easily compare tariffs, view conditions transparently and fill out the application digitally. Often, you receive immediate confirmation of insurance. Online calculators determine the premium based on your details (number of helpers, helper hours, and insurance sum). With modern insurtechs, contract management and claims reporting also often occur digitally, making the process efficient and user-friendly, saving you valuable time.
Is accident insurance for construction assistants mandatory for private builders?
In addition to builder's accident insurance and public liability insurance for the builder, there are other important safeguards for those undertaking construction. The construction insurance (builder's risk insurance) covers unforeseen damage to the building itself during the construction period (e.g., storm, vandalism). A fire shell insurance policy protects the unfinished structure against fire damage and is often a prerequisite for bank financing; it usually transitions into the homeowner's insurance later. For builders who perform certain work themselves, a private accident insurance can also be beneficial. Comprehensive advice helps to determine the individual insurance needs.
