Hello,
Where exactly is that expensive? Your helpers are adequately covered by accident insurance for that.
exactly that is not the case. The BG charges absurd sums, it can quickly become a four-figure amount. And at the same time, the fine print states that in the event of a claim, they will pay nothing to the builder and his family. But you have to nicely pay the contributions... Sorry, that is really quite absurd!
For companies, such a BG makes sense, of course, but for private builders, in my opinion, it only serves the function of collecting money to maintain some old privileges. On top of that, they are incredibly cheeky, arrogant, and at the same time downright stupid. They sent me the same questionnaire several times with the note that I had not yet filled it out. But I already had, three times, from the second time even by registered mail... They only left me alone after I sent them the delivery receipts of the registered mail along with my announcement that I would file a criminal complaint for stalking in case of further harassment.
They were more persistent and rude than any mobile phone contract salesman in the worst times!
But for the OP:
You have to fill out the thing and you cannot avoid the "basic fee" (for which you receive absolutely no services or insurance coverage!!). If you are building with a general contractor, refer to the general contractor and that’s it. You only have to report the trades you do yourself.
Best regards,
Andreas