Insurance: The risks of friendship services

Helping out with building a house or helping friends with a move - that's a pleasure to do. But who is liable if something happens?

accident

Builders must register voluntary helpers at the latest one week after the start of construction with the professional association of the construction industry www.bgbau.de - otherwise there is a fine of up to 2, 500 euros. Since the benefits from statutory accident insurance are limited, builders and their helpers should also take out private accident insurance.

Liability

Anyone who does a favor as a neighbor or friend and does damage in the process is liable for them. You can cover the risk with a private liability. Check in advance whether friendship protection is included. Info: www.versicherungen-der-sparkassen.de