What Bg Etem does

BG ETEM (Berufsgenossenschaft Energie Textil Elektro Medienerzeugnisse) is a statutory accident insurance institution (Berufsgenossenschaft) incorporated as a public-law corporation (Körperschaft des öffentlichen Rechts) under the German Social Security Code (SGB VII). It provides compulsory accident insurance coverage to approximately 4 million insured persons across over 200,000 member companies operating in the energy, textile, electrical, and media production industries in Germany. BG ETEM operates under self-administration (Selbstverwaltung) within the DGUV umbrella association (Deutsche Gesetzliche Unfallversicherung) and delivers an integrated 'everything from one source' (Alles aus einer Hand) value proposition covering prevention, rehabilitation, and compensation.

The institution's service portfolio is anchored on the Meine BG ETEM Serviceportal — a digital platform with separate Unternehmensportal and Versichertenportal sub-portals, supported by BundID authentication and on-premise AI services. Supporting products include the 'Praxisgerechte Lösungen' hazard assessment software, the 'Gemeinsam zu Gesunden Arbeitsbedingungen - online' (gbpb) psychosocial assessment tool, e-learning modules (ILIAS), mobile apps (5 Sicherheitsregeln, KurzPausen, Sicher investieren, RiskBuster), and a seminar database of over 250 seminar types. Physical infrastructure comprises 10 prevention centers, 4 regional directorates, and 8 training facilities staffed by 500+ instructors delivering to approximately 50,000 participants annually. Core technologies include an on-premise AI chatbot ('Mein digitaler Assistent', launched 2024), an AI-powered prevention service using recommendation and accident-scenario analytics (launched 2023), Microsoft 365 (EU-resident dedicated tenant), Cisco Webex via Telekom Deutschland, and BigBlueButton/ILIAS (via Minervis and Qualitus) for online seminars.

BG ETEM operates as a non-profit, cost-covering entity: it does not generate profit and does not disclose revenue figures. Member companies pay statutory contributions (Beiträge) calculated via the Gefahrtarif (hazard tariff) graded by sectoral accident risk; the Beitragsfuß (contribution factor) was reduced from 2.80 to 2.77 in May 2026, with an average contribution rate of 76 cents per 100 euros of payroll. The new Gefahrtarif approved in June 2026 takes effect on 1 January 2027 and will remain valid through 31 December 2032. Distribution is exclusively domestic (Germany) via mandatory membership registration, the online portal, prevention centers, regional directorates, training facilities, and a topic-routed telephone service hotline (0221 3778-0). GTM motion is not sales-led: member acquisition occurs through legal obligation (Betriebsanmeldung), with the digital portal and physical network serving compliance, prevention, and rehabilitation engagement rather than commercial sales.

Name

Bg Etem

Legal name

Berufsgenossenschaft Energie Textil Elektro Medienerzeugnisse (BG ETEM)

Website

https://bgetem.de

Company type

Private

Founded year

1885

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

BG ETEM is a German statutory accident insurance institution covering approximately 4 million insured persons across over 200,000 member companies in the energy, textile, electrical, and media production industries, operating on a non-profit cost-covering basis under SGB VII within the DGUV system.

Ownership category

akta.pro rank

Product category

Statutory Accident Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Other Insurance Funds (52519)

SIC

Accident & Health Insurance (6321), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Energy & Power Specialty (Onshore/Offshore) (FSAJAGAI)

akta.pro secondary industries

Security, Safety & Fire/Life Safety Management (BPABAAAE), EHS Management Systems & ISO Consulting (ISO 14001/45001) (BPAHAJAF)

Keywords

• Statutory accident insurance
• Occupational safety training
• Workplace risk assessment
• Rehabilitation services
• Prevention consulting

Headquarters

HQ city

Cologne

HQ country

Germany

HQ region

Europe

Offices22 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Others, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Statutory Insurance Contributions: BG ETEM operates as a non-profit statutory accident insurance institution (Berufsgenossenschaft) under the German Social Security Code (SGB VII). As a public-law corporation, it does not generate profit. Member companies pay contributions (Beiträge) to finance the institution's legally mandated tasks — prevention, rehabilitation, and compensation. Contributions are calculated based on the 'Gefahrtarif' (hazard tariff), which grades fees according to the accident risk profile of each business sector and individual company. Berufsgenossenschaften work cost-covering: contributions are sized to cover the costs of prevention, rehabilitation, compensation, burden-sharing between associations, and administrative expenses in the following year. As of May 2026, the Beitragsfuß (contribution factor) was reduced from 2.80 to 2.77, with the average contribution rate dropping from 77 to 76 cents per 100 euros of payroll.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels8 records

Core offering

BG ETEM (Berufsgenossenschaft Energie Textil Elektro Medienerzeugnisse) is a German statutory accident insurance institution providing mandatory accident insurance, occupational safety prevention, medical rehabilitation, and financial compensation services to approximately 4 million insured persons across over 200,000 member companies in the energy, textile, electrical, and media production industries. It operates the Meine BG ETEM digital service portal, AI-powered prevention tools, a nationwide seminar and training program with over 250 seminar types, hazard assessment software, and a network of 10 prevention centers and 4 regional directorates.

Product overview

BG ETEM (Berufsgenossenschaft Energie Textil Elektro Medienerzeugnisse) is a statutory accident insurance provider serving approximately 4 million people in over 200,000 member companies across the energy, textile, electrical, and media production industries in Germany. The company's digital offering consists of the Meine BG ETEM Serviceportal as the core unified platform, which includes sub-portals for member companies and insured persons. The portfolio comprises AI-powered services (chatbot 'Mein digitaler Assistent' and AI-powered prevention services), risk assessment software ('Praxisgerechte Lösungen' and 'Gemeinsam zu Gesunden Arbeitsbedingungen - online'), e-learning modules ('Sicher und gesund arbeiten'), multiple mobile applications (including '5 Sicherheitsregeln', 'KurzPausen', and 'Sicher investieren'), a comprehensive seminar database with over 250 seminar types, training for safety engineers (Sifa), and publications (etem, profi, arbeit & gesundheit magazines).

Differentiator

Problem solved

Functional benefit

Brands

• Meine BG ETEM: Service portal for member companies and insured persons providing digital services including contribution statements, accident reporting, and prevention resources
• Institut für Strahlenschutz
• Institut zur Erforschung elektrischer Unfälle
• praxisgerechte Lösungen
• Intranet Präventionswerkzeuge

Products and services

• Meine BG ETEM Serviceportal Core digital service portal for BG ETEM's member companies and insured persons. The Unternehmensportal provides access to contribution notices, certificates of good standing, accident notifications, and prevention features. The Versichertenportal offers digital mailbox, personal data management, and digital form submission. Authentication via BundID or company-specific login.
• Mein digitaler Assistent (AI Chatbot) AI-powered chatbot within the Meine BG ETEM enterprise portal that answers frequently asked questions and provides general information about BG ETEM services, offerings, and procedures. Operated on BG ETEM's own servers (on-premise) with data retained for 90 days.
• KI-gestützter Service im Bereich Prävention AI-powered prevention service within the enterprise portal offering automated seminar recommendations based on company data, industry, size, historical bookings, and content descriptions; and displaying the Top-3 accident scenarios for the company and same-industry benchmarks based on reported accident data from the last 12 months.
• Praxisgerechte Lösungen – Gefährdungsbeurteilungs-Software Software for creating and documenting workplace hazard assessments (Gefährdungsbeurteilung), primarily designed for small and medium-sized enterprises without their own intranet. Required under the Occupational Safety and Health Act since 1996.
• Gemeinsam zu Gesunden Arbeitsbedingungen – online (gbpb) Online portal supporting member companies in conducting psychosocial risk assessments using the SUGA or MOLA questionnaire. Delivers graphic evaluations of results to help companies derive improvement measures. Minimum of 7 responses required for meaningful analysis.
• Intranet Präventionswerkzeuge Free intranet-based work safety software providing practical tools for occupational safety. Designed for member companies that have their own intranet infrastructure for occupational safety management.
• Seminardatenbank (Seminar Database) and Training Program Comprehensive seminar catalog with over 250 seminar types offered annually. More than 500 instructors deliver approximately 50,000 participants with practical knowledge on occupational safety and health. Includes in-person seminars at 8 Bildungsstätten and online sessions via BigBlueButton.
• Fachkraft für Arbeitssicherheit (Sifa) Ausbildung Training program for Safety Engineers (Fachkräfte für Arbeitssicherheit / Sifa) who advise entrepreneurs on all matters of occupational safety and health. Includes qualification courses and industry transfer options.
• Web-App 'Sicher investieren' Web application helping companies make safe investments in new machines or systems. Provides decision support for evaluating safety and health aspects of equipment purchases.
• App 'KurzPausen' Mobile app offering short recovery breaks of a few minutes to restore inner balance. Strengthens physical and psychological resources through small moments of regeneration.
• App '5 Sicherheitsregeln' Mobile app helping users follow the 5 safety rules and avoid electrical accidents. Provides on-site guidance without cumbersome paperwork for safe work practices with electrical equipment.
• E-Learning: Lernmodule 'Sicher und gesund arbeiten' Interactive e-learning modules for learning about workplace safety and health. Learning modules covering occupational safety and health topics, operated via the ILIAS learning platform by Qualitus GmbH.
• RiskBuster – Gefahren auf der Spur Interactive tool about hazards at the workplace. Features stuntman Holger Schumacher demonstrating how safety measures work in film and television production contexts.
• Online-Tool zur Erfassung psychischer Belastung Online tool for systematically capturing and evaluating psychological strain in large enterprises. Supports systematic assessment and analysis of psychosocial hazards in the workplace.

Quantifiable outcome

• More than 250 seminar types delivered annually to approximately 50,000 participants by over 500 instructors
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability6 records

Feature8 records

Partnerships

Five partnerships are on record, tiered core and minor.

• DGUV (Deutsche Gesetzliche Unfallversicherung)coreStrategic or Co-development PartnerBG ETEM is a member of DGUV, the umbrella association of the German statutory accident insurance institutions. DGUV coordinates shared resources, best practices, training facilities (including the DGUV Akademie Dresden), statistics, and policy across all Berufsgenossenschaften and Unfallkassen. BG ETEM participates in DGUV-organized events, campaigns (e.g., kommmitmensch), and the shared Unternehmerverzeichnis (business directory).
• Microsoft Ireland LimitedcoreTechnology or IntegrationBG ETEM uses Microsoft 365 as its cloud-based collaboration platform (Exchange, SharePoint, OneDrive, Forms, and other M365 services). A data processing agreement and additional supplemental agreement have been signed. BG ETEM has enforced its own controlled data encryption for all content. Data is stored exclusively on European servers.
• Telekom Deutschland GmbHcoreTechnology or IntegrationBG ETEM acquired Cisco Webex video conferencing through Telekom Deutschland GmbH, which serves as the primary contractor responsible for the service relationship. A data processing agreement (Art. 28 DSGVO) has been concluded with Telekom.
• Cisco Systems Inc.coreTechnology or IntegrationCisco Systems Inc. (headquartered in the USA) provides the Webex conference and collaboration solutions used by BG ETEM. Standard contractual clauses have been agreed between Telekom and Cisco. All content shared via Webex is encrypted in transit and stored on EU-based servers.
• DGUV Job (Vermittlungsdienst der Berufsgenossenschaften)minorGTM or Marketing PartnerDGUV Job is the recruitment and placement service of the German statutory accident insurers. It connects employers with qualified candidates who are seeking career reorientation or reintegration following work accidents or occupational diseases.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• DGUV (Deutsche Gesetzliche Unfallversicherung): Umbrella association of all German statutory accident insurance institutions. BG ETEM is a DGUV member providing shared resources, training facilities (DGUV Akademie Dresden), and standards. DGUV is the only direct peer in BG ETEM's specific institutional form (Berufsgenossenschaft).
• BG RCI (Rohstoffe und chemische Industrie): Statutory accident insurer for raw materials, chemicals, and paper industries. Jointly operates the Institut für Strahlenschutz with BG ETEM. Operates the same mandatory-membership, cost-covering model for a different industry basket.
• BG BAU (Bauwirtschaft): Largest German Berufsgenossenschaft, covering the construction industry. Same legal structure under SGB VII, same cost-covering contribution model, same prevention-rehabilitation-compensation mandate. Comparable scale and digital service-portal approach.
• BG Verkehr: Statutory accident insurer for the transport, postal/logistics, and telecommunications sectors. Shares the SGB VII framework, mandatory membership, and integrated prevention model. BG ETEM's electrical sector coverage overlaps with BG Verkehr's telecom scope.
• VBG (Verwaltungs-Berufsgenossenschaft): Statutory accident insurer for the administrative sector. Same legal structure, contribution model, and integrated service portfolio. Frequently benchmarked by BG ETEM on member-company digital services and AI initiatives.
• BG Nahrungsmittel und Gastgewerbe (BGN): Statutory accident insurer for the food and hospitality industries. Same SGB VII framework, same cost-covering model, similar size class with several hundred thousand member companies. Comparable emphasis on member-company prevention seminars.
• Berufsgenossenschaft Handel und Warenlogistik (BGHW): Statutory accident insurer for retail and goods logistics. Same institutional form, same statutory mandate, comparable member-services approach including digital portals and prevention training.

Regional players

• AUVA (Allgemeine Unfallversicherungsanstalt, Austria): Austrian statutory accident insurance institution covering ~5 million insureds. Operates the same prevention-rehabilitation-compensation trinity under the ASVG framework. Closest international peer in legal form and integrated service model.
• Suva (Schweizerische Unfallversicherungsanstalt, Switzerland): Swiss statutory accident insurer covering ~2 million employees. Comparable cost-covering model, in-house clinic network, and prevention mandate. Frequently cited as the gold-standard European model for integrated statutory accident insurance.
• INAIL (Istituto Nazionale per l'Assicurazione contro gli Infortuni sul Lavoro, Italy): Italian statutory accident insurance institution covering ~19 million workers. Same public-corporation structure, mandatory membership, and integrated compensation model. Provides international benchmark for scale of operations and digital transformation.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/BGETEM
• Xx.com/bg_etem
• LinkedInlinkedin.com/company/bgetem

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bg Etem