Insurance for employed construction helper minijob

Hi, I am not building yet, but I am having some renovation work done, so far by external companies. Today we discussed whether we should hire a helper as a mini-jobber. My spontaneous question was, who pays if a beam falls on their head. Can someone give me information about that? Note: this is not about the construction helper from the family, for whom I immediately found information with the search term ("construction helper insurance").

Professional Association for Construction. You have to register the helpers there.

Thank you very much for the quick reply. I searched here in the forum and it usually said "do not take action, the BG will come by itself," but that is obviously not the case here, so I was unsure. Now I have seen the information at the BG, it's not quite obvious, but the costs are apparently about €1.70 per hour. And you must take action yourself, i.e. register the minijobber with the BG.

Hi,

I had the same idea and have already implemented it. Registration is done with the BG as mentioned before. However, a construction helper does not qualify as a mini-jobber in the context of household help. This results in higher social contributions, etc. Please contact the Minijob-Zentrale and specifically point out that the person exclusively performs #Bau-Hilfstätigkeiten# and does not replace the skilled worker. They will then explain everything else in detail. You can claim the BG contributions and social insurance contributions in your income tax return (not unlimited). For me, everything went great and legal.

Regards

Thanks for the information. Do you also have experience with how it works when the helper is used very irregularly and planned at very short notice? For example, "can you help the day after tomorrow in the morning with laying the drainage" and then again two weeks later "can we plaster the wall tomorrow"? Do you report the hours worked afterwards?

Normally, you have to add up one or more months and specify.