Occupational safety for insurance
The duties are the same for every office and administrative business. What differs for insurers is where the risk assessment puts its focus.
- Insurance
What is different here
Office staff and field staff are two different businesses. Indoors, screen work dominates; in the field it is driving, home visits and inspections at places that have just been damaged.
The four points that matter
- Loss inspections. Fire, water and storm damage is assessed where it happened. That means damaged buildings with risks of collapse, falls and hazardous substances, in other words conditions like a building site.
- Driving in the field. Anyone driving to appointments every day spends a substantial share of working time in the car. That is the area with the highest accident risk, and commuting accidents are reportable.
- Home visits and lone working. Appointments in other people's homes happen alone, sometimes in contentious situations after a claim has been declined. Signing out, checking back in and criteria for calling it off have to be settled.
- Large screen estates indoors. Identical workstations in large numbers mean setup errors and glare repeat across the whole estate. The offered eyesight screening has to be offered demonstrably.
What a walkthrough typically turns up
Indoors the familiar picture appears: recurring monitor heights, glare from window fronts, screening offered without evidence. For field work, everything is regularly missing: no assessment of driving, no rules for loss inspections in damaged buildings, no personal protective equipment and no arrangement for lone working during home visits.
What that means for safety training
Office staff get the screen-work part with a focus on adjusting their own workstation and on whether screening is actually offered. Field staff get a block of their own: conduct in damaged buildings, protective equipment, criteria for calling it off when a hazard is apparent, rules for driving and breaks, lone working during home visits, and the reporting route after an accident while out.
Related
- External occupational safety specialist: the scope under section 6 ASiG, the three support models compared and how the number of hours is calculated.
- Regions: an occupational safety specialist on site in eight regions across Germany, with the responsible VBG district office for each.
- Occupational safety by sector: what sets law firms, IT, agencies, real estate, associations, financial services and other business types apart.
- Duties quick-check: which duties apply at your headcount, from the occupational safety committee through safety officers to the end of the Unternehmermodell.
- Support-hours calculator: your support hours under DGUV Regulation 2, including the split between specialist and physician. The cost logic is explained in What does a safety specialist cost?
- Risk assessment in the office and safety training in the office: the two duties that apply to every office business from the first employee.
- Services overview: the complete scope required by the ASiG and DGUV Regulation 2 in one contract, with every sector and location we cover.
Frequently asked questions
Do different rules apply to insurers?
Do we need a separate risk assessment per location?
From when do we need an occupational safety specialist?
What does support cost for a business our size?
Other business types
Worry-free occupational safety in 4 steps
A simple path from the first conversation to audit-proof documentation.
Free initial consultation
We set out what the law requires, what you don't need and what we deliver. Clarity from day one.
Contract signed
One contract, predictable annual costs, booked directly with us. First contact to signature: five working days at most.
Occupational safety specialist on site
Your specialist visits for the walkthrough, produces the risk assessment and checks: what is there, what is missing?
Audit-proof documentation in the portal
Every record sits in the client portal: digital, complete, current, easy to share.
Talk to us.
Book a slot directly, or write to us using the form.