Accident insurance - register day care
As a day carer, you must register yourself with accident insurance. You are then insured for accidents at work, commuting accidents and occupational illnesses.
Please note: Even if you have taken out private accident insurance, you still have to take out compulsory insurance.
The employers' liability insurance association will only calculate and set the annual premium for the current year retroactively in the following year.
Responsible authority
The German Social Accident Insurance Institution for the health and welfare services
Details
Prerequisite
The prerequisite is that you are self-employed as a day carer. This is usually the case if you look after several children (a maximum of five other children) from different families. It is irrelevant whether you look after them in your own home or in other suitable premises.
This also applies to
- self-employed day carers who only look after children from one family and
- day carers arranged and financed by the youth welfare office within the meaning of § 23 SGB VII.
Exceptions are possible.
Day carers who are employed in the household of the child to be cared for are not covered by statutory accident insurance as employees of the household via the BGW, but via the public sector accident insurance institutions, in Baden-Württemberg the Unfallkasse Baden-Württemberg.
Procedure
You must register with the Berufsgenossenschaft für Gesundheitsdienst und Wohlfahrtspflege within one week of starting work. You can register online. If you register informally, you must provide the following information:
- Name
- Your address
- Type and object of the business
- Date on which you started your self-employed activity
Deadlines
within one week of starting work
Required documents
none
Costs
- for registration: none
- for the insurance: annual premium in different amounts
Miscellaneous
none
Legal basis
Sozialgesetzbuch (SGB) Siebtes Buch (VII):
- § 2 Versicherung kraft Gesetzes
Release note
machine generated, based on the German release by: Sozialministerium Baden-Württemberg, 10.06.2025