BGHW

What BGHW does

BGHW (Berufsgenossenschaft Handel und Warenlogistik) is a German statutory accident insurance institution (Körperschaft des öffentlichen Rechts) that provides compulsory occupational accident, commuting-accident, and occupational-disease insurance for companies and their employees in the trade and goods logistics sectors. Headquartered in Mannheim with a secondary location in Bonn, BGHW is one of the Berufsgenossenschaften operating under the umbrella of the Deutsche Gesetzliche Unfallversicherung (DGUV) and is responsible for approximately 305,000 member companies and 4.4 million insured persons across Germany. Funding comes through mandatory employer contributions calculated via the Gefahrtarif (hazard tariff) system based on industry risk and reported payroll (Lohnnachweis), rather than through voluntary commercial premiums. Beyond insurance payouts, BGHW delivers prevention services, rehabilitation, return-to-work programs, survivor benefits, and recognition of occupational diseases, with self-administration (Selbstverwaltung) shared between employer and employee representatives.

The organization's service platform is built around a central web portal (www.bghw.de) integrated with a suite of digital products: an ILIAS-based Learning Management System (BGHW-Lernportal, currently version 9.20), the Gefährdungsbeurteilung Online risk-assessment tool, the Kompendium Arbeitsschutz regulatory knowledge base with 1,000+ media items, an authenticated Extranet for member companies, the BGHW-Medienshop publication storefront, the HUNDERT PROZENT E-Magazine, interactive safety-training modules (BGHW-Interaktiv), the Digital Insurance Card (Digitale Versichertenkarte) launched in 2025, Lohnnachweis DIGITAL for payroll reporting, and a Virtuelle Poststelle for secure electronic correspondence. Distribution combines these digital channels with a nationwide field force of regional prevention consultants conducting on-site visits and a seminar program delivered across Germany.

BGHW's go-to-market is organizationally constrained because covered companies are not a discretionary buyer base — membership and contribution payments are legally mandated. As a result, 'sales' activity is best understood as member services and prevention engagement: free advisory visits, subsidized driver-safety training (Fahrsicherheitstraining, up to €120/person), subsidised forklift retrofits, certification schemes (Gütesiegelverfahren 'Sicher mit System' / 'Gesund mit System'), and the annual 'Die Goldene Hand' prevention prize. Communication is multi-channel, including social platforms (LinkedIn, Instagram, Facebook, YouTube, XING, X/Twitter), a youth-oriented TikTok campaign ('komm gut an.'), the HUNDERT PROZENT newsletter, and an annual Fachtagung conference. Because revenues are public-law contributions rather than commercial pricing, BGHW does not publish traditional financials and is not subject to equity-market valuation.

Name

BGHW

Legal name

Berufsgenossenschaft Handel und Warenlogistik

Website

https://bghw.de

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

BGHW (Berufsgenossenschaft Handel und Warenlogistik) is the German statutory accident insurance institution providing compulsory occupational accident insurance, prevention, and rehabilitation services to ~305,000 member companies and 4.4 million insured persons in the trade and goods logistics sectors.

Ownership category

akta.pro rank

Product category

Statutory Accident Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

SIC

Accident & Health Insurance (6321)

akta.pro primary industry

Indemnity (Lost-Time) Workers’ Compensation (FSAJAEAB)

Keywords

• Statutory accident insurance
• Occupational safety services
• Workplace health protection
• Trade and logistics insurance
• Rehabilitation services

Headquarters

HQ city

Mannheim

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Statutory Accident Insurance Contributions: As a statutory accident insurance institution (Berufsgenossenschaft), BGHW is funded primarily through compulsory membership contributions from member companies. Contributions are calculated based on the company's industry classification and hazard tariff (Gefahrtarif), with rates determined by the level of occupational risk. Member companies pay based on their payroll (Lohnnachweis) and industry-specific risk factors.
2. Seminar and Training Services: BGHW offers seminars and training programs for occupational safety and health. While many prevention services are free for member companies, some specialized training programs may involve fees.
3. Media and Publications Sales: The BGHW Medienshop sells educational materials, publications, and safety guides. Materials for occupational safety and health documentation are available for order, though many resources are provided free of charge.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

BGHW is a statutory accident insurance institution (Berufsgenossenschaft) that provides compulsory occupational accident and disease insurance, prevention services, and rehabilitation for companies and their employees in the German trade and goods logistics sectors. It is funded through membership contributions calculated via a hazard tariff system and offers free prevention consulting, online risk assessment tools, training seminars, and a comprehensive knowledge base for occupational safety.

Product overview

BGHW (Berufsgenossenschaft Handel und Warenlogistik) operates as a comprehensive digital service platform for occupational insurance and workplace safety, serving approximately 4.4 million insured persons across 305,000 member companies in trade and logistics. The core offering consists of the main website (www.bghw.de) supplemented by multiple specialized digital products: the E-Magazin HUNDERT PROZENT (educational magazine), the BGHW-Medienshop (resource library with 1,000+ materials), the online risk assessment tool (Gefährdungsbeurteilung Online), the Kompendium Arbeitsschutz (regulatory knowledge base), the online distance learning program (Online-Fernlehrgang), the ILIAS-based learning portal (BGHW-Lernportal), and the protected member Extranet. Additional services include digital insurance cards, driver safety training subsidies, certification procedures (Gütesiegelverfahren), the 'komm gut an.' traffic safety campaign, and the 'Die Goldene Hand' prevention award. The portfolio operates on a platform-plus-services model centered on the main website with interconnected specialized tools for different user needs.

Differentiator

Problem solved

Functional benefit

Brands

• HUNDERT PROZENT: E-Magazine covering safety and health at work, providing exclusive reportages, interviews, and practical tips for prevention measures.

Products and services

• Gefährdungsbeurteilung Online

Quantifiable outcome

• Supports approximately 4.4 million insured persons across 305,000 member companies in Germany
• +1 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability2 records

Feature5 records

Partnerships

One partnership is on record.

• UK|BG SIGUV Shared ServicesminorOthersBGHW is a shareholder (Gesellschafterin) of UK|BG SIGUV Shared Services, an interest group for statutory accident insurance institutions. This partnership enables shared services and collaborative initiatives among German accident insurance providers.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• BG BAU (Berufsgenossenschaft der Bauwirtschaft): Statutory accident insurance institution for the German construction sector under the same Berufsgenossenschaft framework as BGHW. Operates the identical statutory contribution/prevention/rehabilitation model across a different covered industry, making it the closest structural analogue.
• BG Verkehr: Statutory accident insurance for transport, postal, logistics and telecommunication companies. Functionally the closest peer to BGHW because goods logistics is one of BGHW's two covered domains, and BG Verkehr covers much of the freight/transport side of the same member companies.
• VBG (Verwaltungs-Berufsgenossenschaft): Statutory accident insurance for service, administrative and retail-adjacent companies. Directly comparable as a sister Berufsgenossenschaft with the same mandate structure, member-driven governance, and contribution-tariff revenue model.
• BGN (Berufsgenossenschaft Nahrungsmittel und Gastgewerbe): Statutory accident insurance for the German food and hospitality industries. Mirror peer to BGHW: same statutory role, similar prevention/rehabilitation services, and member companies operating in retail-adjacent sectors.
• BG ETEM (Energie Textil Elektro Medienerzeugnisse): Statutory accident insurance for energy, textile, electrical and media-products industries. Functions as a direct peer to BGHW by virtue of identical statutory mandate, contribution mechanics and employer/member service portfolio.
• BG RCI (Rohstoffe und chemische Industrie): Statutory accident insurance for raw materials extraction and the chemical industry. Sister Berufsgenossenschaft with the same operating framework as BGHW, including prevention services, member extranet and tariff-based contributions.
• BG Holz und Metall: Statutory accident insurance for wood-working and metal-working industries. Comparable peer as a sector-specialized Berufsgenossenschaft with identical contribution, prevention and rehabilitation offerings aimed at employer members.

Broad incumbents

• DGUV (Deutsche Gesetzliche Unfallversicherung): Umbrella association of all German Berufsgenossenschaften and statutory accident insurance institutions. Wider portfolio than BGHW (policy-setting, research, statistics, shared services) but the closest incumbent governing body for BGHW's domain.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/bghw_info
• YouTubeyoutube.com/user/DieBGHW
• Facebookfacebook.com/bghw.de
• LinkedInde.linkedin.com/company/berufsgenossenschaft-handel-und-warenlogistik-bghw-
• Instagraminstagram.com/bghw_info

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

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 BGHW