Good evening everyone,
Today we received a letter from the BG Bau regarding the builder information form.
They ask us to provide our details and list which trades will be carried out by construction helpers.
We are building with a general contractor. As I understand it, can I simply provide the contact details of the GC for each trade? It’s difficult for me to know which subcontractors the GC will specifically hire for the various trades.
The only exception is the painting work, which we will be doing ourselves, where I will select “builder.”
Payment is only required for helper hours not performed by companies or the builders themselves.
I would be especially interested in feedback from users who, like us, have built or plan to build with a GC and without external help.
Today we received a letter from the BG Bau regarding the builder information form.
They ask us to provide our details and list which trades will be carried out by construction helpers.
We are building with a general contractor. As I understand it, can I simply provide the contact details of the GC for each trade? It’s difficult for me to know which subcontractors the GC will specifically hire for the various trades.
The only exception is the painting work, which we will be doing ourselves, where I will select “builder.”
Payment is only required for helper hours not performed by companies or the builders themselves.
I would be especially interested in feedback from users who, like us, have built or plan to build with a GC and without external help.
blockhauspower23 Apr 2014 12:27My comment was about the vague wording. You often hear this "argument." I don’t know how the insurance would pay out, so I could just cheat them.
If that’s the case, unfortunately the principle of solidarity doesn’t work for anyone.
If that’s the case, unfortunately the principle of solidarity doesn’t work for anyone.
@Masipulami
It is noted that no family members are helping in your case.
Nevertheless, here is a reminder regarding this half-truth:
In principle, this is correct, but there is an exception for voluntary assistance, and in such cases, the construction trade accident insurance does not pay a single cent in the event of an accident.
See the construction trade accident insurance website:
Exceptions according to law and case law
For helpers who are providing assistance as a usual voluntary favor within a private setting, insurance coverage is excluded because such assistance is legally not considered similar to employment. To determine whether the activity is more related to private matters, the relationship between the property owner and the helper, as well as the extent of the work, must be examined. For example, if the property owner’s father briefly helps unload building materials, this would be regarded as a common favor within the family, whereas the multi-day help of a friend with roofing work would generally be considered an insured activity.
And here is an example from the construction law guidance document
3. The property owner’s father, who lives next door and has a good and regular contact, has an accident during cleanup work that requires only a small total time commitment. Due to the family connection, this is to be regarded as uninsured voluntary assistance.
For construction helpers who are not covered by statutory insurance, we recommend considering the purchase of private accident insurance.
This raises the question: would a father helping, for example, with painting be considered voluntary assistance or not? When preparing a rented apartment, no one would think of paying contributions to construction trade accident insurance either.
Anyone interested can look up Frontal 21 from 11.05.2010, where there is an article by a lawyer on this topic.
It is noted that no family members are helping in your case.
Nevertheless, here is a reminder regarding this half-truth:
blockhauspower schrieb:
Helpers must be insured through the construction trade accident insurance
In principle, this is correct, but there is an exception for voluntary assistance, and in such cases, the construction trade accident insurance does not pay a single cent in the event of an accident.
See the construction trade accident insurance website:
Exceptions according to law and case law
For helpers who are providing assistance as a usual voluntary favor within a private setting, insurance coverage is excluded because such assistance is legally not considered similar to employment. To determine whether the activity is more related to private matters, the relationship between the property owner and the helper, as well as the extent of the work, must be examined. For example, if the property owner’s father briefly helps unload building materials, this would be regarded as a common favor within the family, whereas the multi-day help of a friend with roofing work would generally be considered an insured activity.
And here is an example from the construction law guidance document
3. The property owner’s father, who lives next door and has a good and regular contact, has an accident during cleanup work that requires only a small total time commitment. Due to the family connection, this is to be regarded as uninsured voluntary assistance.
For construction helpers who are not covered by statutory insurance, we recommend considering the purchase of private accident insurance.
This raises the question: would a father helping, for example, with painting be considered voluntary assistance or not? When preparing a rented apartment, no one would think of paying contributions to construction trade accident insurance either.
Anyone interested can look up Frontal 21 from 11.05.2010, where there is an article by a lawyer on this topic.
Hello everyone,
I need to bring up this very old thread again.
As far as I understand, you have to register your private helpers with the BG Bau so that they are legally covered by accident insurance. However, this only applies if they do not provide voluntary assistance, meaning if they help for more than about 40 hours on the construction site.
But what happens if the private helpers assist less than that and still have an accident? Who covers the costs then? Or does the homeowner need additional private insurance in this case?
Homeowners have to be privately insured anyway, right? The BG Bau coverage doesn’t apply to them.
I need to bring up this very old thread again.
As far as I understand, you have to register your private helpers with the BG Bau so that they are legally covered by accident insurance. However, this only applies if they do not provide voluntary assistance, meaning if they help for more than about 40 hours on the construction site.
But what happens if the private helpers assist less than that and still have an accident? Who covers the costs then? Or does the homeowner need additional private insurance in this case?
Homeowners have to be privately insured anyway, right? The BG Bau coverage doesn’t apply to them.
The Building Code does not cover voluntary work. In such cases, the helper can at most claim their own accident insurance, if available. Whether a 40-hour limit applies here should be clarified with the professional association (BG).
For the homeowner, the point of contact is their private accident insurance or the voluntary homeowner insurance provided by the professional association (BG).
For the homeowner, the point of contact is their private accident insurance or the voluntary homeowner insurance provided by the professional association (BG).
Hello everyone,
Since our own work is scheduled to start in about 5-6 weeks, I would like to address this topic now. So far, the accident insurance institution (BG) has not contacted us – who knows if they will do so on their own at all.
However, since my parents (both over 70 years old) will be coming to help for several weeks, as well as my sister, brother-in-law, and possibly my niece (16 years old) for 4-5 days, I would like to make sure they are covered just in case.
How and where can I get the registration form? Are there any restrictions from the accident insurance institution (BG Bau), such as age limits, that would exclude coverage?
Thank you very much for your answers.
f-pNo
Since our own work is scheduled to start in about 5-6 weeks, I would like to address this topic now. So far, the accident insurance institution (BG) has not contacted us – who knows if they will do so on their own at all.
However, since my parents (both over 70 years old) will be coming to help for several weeks, as well as my sister, brother-in-law, and possibly my niece (16 years old) for 4-5 days, I would like to make sure they are covered just in case.
How and where can I get the registration form? Are there any restrictions from the accident insurance institution (BG Bau), such as age limits, that would exclude coverage?
Thank you very much for your answers.
f-pNo