Germany
VBG ( Statutory
Accident Insurance) cover employee working from home as well as in office
(hybrid); the coverage applies when accident happens directly related to work
activity.
VBG
makes no distinction between fully remote and hybrid work. As long as the
activity is work-related task or the accident occurs in the course of
performing that work or the insured commute to it, employee remains
covered by the statutory accident insurance.
This
legal framework applies regardless of workplace location, because SGB VII
defines coverage by activity, not by location.
The
insured activity is carried out in the household of the insured person OR at
another location , insurance covers exist to the same extent . § 8 SGB 7 - Individual provision Link
below is from Certo which is a magazine published by VGB the office of
statutory accident insurance that provides communications, information, safety
education efforts for insured companies.
Home office work is fully recognized as an insured
work environment.
Hybrid workers are covered the same as on-site workers
such as:
Accident during performing work tasks·
Accident on the way to and from work, even if work is
in the home office
Wird
die versicherte Tätigkeit im Haushalt des Versicherten oder an einem anderen
Ort ausgeübt, besteht Versicherungsschutz in gleichem Umfang wie bei Ausübung
der Tätigkeit auf der Unternehmensstätte.”
(If the insured activity is carried out in the insured person’s household or
another location, insurance coverage exists to the same extent as when
performing the activity at the company location.)This sentence is from §
8 Absatz 1, SGB VII … and it is quoted VERBATIM on a German
government‑run site operated by the statutory social insurance system.
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