Insured risk occupational accident and commuting accident

The basic requirement for the allowance of benefits by the German Berufsgenossenschaften is the occurrence of an event insured against. The preventive activities implemented by the BGs aim at avoiding the occurrence of such events. These include occupational accidents and occupational diseases. In addition to accidents occurring during the actual performance of a working activity in the company, accidents on the way to or from work (commuting accidents) are covered by the insurance scheme.