All persons employed in private households are insured against accidents in accordance with the Seventh Book of the German Social Code. Private households become employers when they employ domestic help.

The term domestic help includes, among others:

• Cleaners,
• babysitters,
• kitchen helpers,
• garden helpers and
• child and adult carers.

Statutory accident insurance is non-contributory for employees. The costs are borne by the employer - i.e. you as the head of the household. By paying the contribution, you as the employer are exempt from liability if something happens to your domestic staff in your household. Liability is then assumed by the accident insurance fund. This is your point of contact for work and commuting accidents and occupational illnesses of your domestic staff.

The benefits may range from medical treatment to a lifelong pension.

As a private employer, you are a member of the accident insurance fund by law. When registering for statutory accident insurance, a distinction must be made as to whether the employment is marginal or subject to compulsory insurance.

Employment subject to compulsory insurance exists if:

• the person you employ receives more than EUR 520.00 per month from you or
• the person is employed both in your private household and in your office, practice or business and
• the work in your private household is predominant, i.e. more than 50 percent of the total working hours.

You must register these employees subject to compulsory insurance with the accident insurance fund of the federal state in which the household is located.

You do not have to register a marginal employment with the accident insurance fund. This so-called mini-job exists if the monthly earnings do not exceed EUR 520.00. You must register mini-jobs in the household with the mini-job center using the so-called household check procedure.