Kaspatoo
2017-04-04 23:53:56
- #1
As far as I know, one is (legally?) obliged to insure people working on their construction site with the BG. For this, you also receive a form where you can indicate who works when and how much. To what extent you have to estimate this beforehand, i.e. insure in advance, I don’t know right now. In any case, you cannot avoid this insurance for others (otherwise it’s not legal). The background is that as the client, you become a quasi-employer and as such you are obliged to adequately insure your "employees." And we all know that "raising a hand and calling BG accident" leads to a better hospital bed than with our lousy health insurance card. Would any of you voluntarily waive BG protection with your employer? The employer would gladly save the contributions for you. Clients themselves are excluded from this insurance coverage if I understood correctly. Here, one has to insure privately/statutorily, I think. Therefore, I don’t know if it’s really an advantage if a partner is necessarily recognized by the BG as a client. I think the BG wants all this information because a) they want to know who the clients are, b) who, not belonging to a commissioned company that charges VAT, is doing work on the construction site (-> insurance obligation), and c) wants to prevent shady deals (gaps in financing, a lot of own work planned but little registered, ...). But to perhaps return once again to my original question regarding the legal text on the duty to provide information. Does anyone see a duty there to also provide statements regarding financing? The BG did not say which of the requested items are subject to the duty to provide information but only referred to the paragraphs. But presumably, no one else has a legally secure answer here either. I will simply put our names everywhere and that we are taking out a loan, but I will not go into detail and I certainly won’t attach our bank contracts.