The building aid accident insurance is to cover risks, which used with the assistance of friends and - thus all not commercially active persons - on a private building site to damage lead can. Is to be differentiated between a private insurance with an insurance company and the legal obligation insurance at the professional association.

Obligation insurance

Insurers of the legal obligation insurance are the professional associations. With their the owner has to announce its building project, without it would depend on whether the cooperating persons would be secured by private insurance already. The owner and its spouse are not coinsured here. They can be received however with the insurer a freiwillige owner insurance. The contribution which can be paid is measured on the basis of the number of the performed working hours and payment corresponding to real market conditions and a fictitious. This has the consequence that the private aids are to be insured in the long run like commercial employees.

Private insurance

During the private insurance regularly also the owner and its relatives are insured. First can be selected between an adjustment of damages by lifelong pension or a high single payment. Usually the number of the aids is to be indicated, that are maximally at the same time present on the building site. The insurance ends usually with conclusion of the construction work.

Related links

• Information of the professional association of the building industry

Articles in category "Building aid accident insurance"

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