Berufsgenossenschaft Holz und Metall

What Berufsgenossenschaft Holz und Metall does

Berufsgenossenschaft Holz und Metall (BGHM) is the statutory accident insurance institution (Berufsgenossenschaft) for Germany's wood and metal processing industries, organized as a public-law corporation (Körperschaft des öffentlichen Rechts) under the Social Security Code (SGB VII) with self-governance shared between employer and employee representatives. It insures employees against workplace accidents, commuting accidents, and occupational diseases, and substitutes employer civil liability for such events. Coverage is legally automatic upon business registration in BGHM's assigned sectors: wood and plastics processing (sawmills, carpentry, joinery, wood packaging), metal production and processing (iron, steel, precious metals, machine building, metalworking, surface treatment, vehicle maintenance, and sanitary/heating/climate installation). Insurance is funded entirely by mandatory employer contributions calculated as Arbeitsentgelt × Gefahrklasse × Beitragsfuß ÷ 1000; employees pay nothing.

BGHM's operating model extends well beyond claims administration. It provides prevention consulting through a nationwide network of field safety advisors (Aufsichtspersonen), six regional offices (Bezirksverwaltungen: Nord, Ost, West, Mitte, Südost, Südwest), and the free Arbeitsschutz-Hotline for companies of up to 50 employees; rehabilitation, return-to-work support, and benefit payments (Verletztengeld, transition payments, disability and survivor pensions); and a coordinated seminar and e-learning curriculum under the BGHM-Lernportal. Voluntary products — Freiwillige Versicherung (FRV) for entrepreneurs and co-working spouses and Auslandsversicherung (AUV) at €13.50 per foreign-month — extend protection beyond the statutory floor, and international emergency assistance is delivered through MD Medicus on a dedicated hotline.

The product surface is anchored by digital infrastructure. The meineBGHM portal (ISO/IEC 27001 certified) consolidates company registration, contribution management, accident reporting, seminar booking, and access to the Gefährdungsbeurteilung online (GBO) risk-assessment tool, which provides template-based hazard assessments for wood, metal, surface treatment, vehicle maintenance, sanitary/HVAC, and construction trades. Wage reporting is fully electronic since 1 January 2019 via Lohnnachweis DIGITAL through certified payroll software or the SV-Meldeportal. Distribution is a hybrid of statutory assignment (automatic membership), self-service digital (meineBGHM, GBO, e-learning), and a full DGUV-federation integration (DGUV Serviceportal for accident and occupational-disease reporting, diva-online specialist locator, DGUV Vorschriften/Regeln/Informationen framework). BGHM is not a competitive enterprise: there is no customer acquisition motion, customer churn risk, or pricing competition, and revenue mechanics are contribution-based rather than commercial.

Name

Berufsgenossenschaft Holz und Metall

Legal name

Berufsgenossenschaft Holz und Metall

Website

https://bghm.de

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

101–250 employees

Short description

Berufsgenossenschaft Holz und Metall (BGHM) is the German statutory accident insurance institution for the wood and metal processing industries, providing mandatory workplace-accident, commuting-accident, and occupational-disease coverage to employees of member companies under SGB VII, funded by employer contributions and supplemented by prevention, rehabilitation, and voluntary insurance services.

Ownership category

akta.pro rank

Product category

Statutory Accident Insurance

akta.pro primary industry

Employers Liability (Part B) (FSAJAEAC)

akta.pro secondary industry

Occupational Accident Insurance (1099/Contractor Coverage) (FSAIALAF)

Keywords

• Statutory accident insurance
• Occupational safety services
• Workplace prevention
• Rehabilitation services
• Workers compensation

Headquarters

HQ city

Mainz

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Statutory Employer Contributions: BGHM is funded entirely by mandatory contributions from member companies. Contributions are calculated based on the employer's total wage bill (Arbeitsentgelt), a hazard class (Gefahrklasse) assigned by industry sector, and an annual contribution rate (Beitragsfuß/Umlageziffer). The contribution formula is: Arbeitsentgelt × Gefahrklasse × Beitragsfuß ÷ 1000. Employees are insured free of charge. Contributions are collected via SEPA direct debit or bank transfer. The organization also levies surcharges for retirement load balancing (Überaltlastausgleich nach Neurenten and nach Entgelten) as part of the cross-BG solidarity system.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Berufsgenossenschaft Holz und Metall (BGHM) is the German statutory accident insurance carrier for enterprises in the wood-processing and metalworking industries. It provides mandatory workplace accident insurance coverage, occupational safety and health prevention, medical/occupational rehabilitation, and compensation benefits to employees of its member companies. Services are funded entirely by employer contributions and delivered under the framework of the German Social Code (SGB VII).

Product overview

BGHM operates as a statutory accident insurance institution (Berufsgenossenschaft) for the wood and metal processing industries in Germany. The organization offers a unified portfolio of insurance protection, prevention services, and digital platforms. Core offerings include mandatory accident insurance for employees (Versicherungsschutz), voluntary insurance products (Freiwillige Versicherung, Auslandsversicherung), and workplace safety services (Arbeitssicherheit). The digital portfolio centers on the meineBGHM customer portal, which provides integrated access to company registration, contribution management, accident reporting, and the Gefährdungsbeurteilung online (GBO) risk assessment tool. Training and qualification services include the Fachseminar Beitrag (educational seminars) and BGHM-Lernportal (e-learning). Lohnnachweis DIGITAL handles mandatory electronic payroll reporting. All services target member companies in the wood and metal sectors, with no direct B2C consumer products.

Differentiator

Problem solved

Functional benefit

Products and services

• Statutory Occupational Accident Insurance Mandatory statutory accident insurance coverage for employees of member companies in the wood and metal industries, providing compensation for workplace accidents, occupational diseases, and commuting accidents.
• Voluntary Insurance for Entrepreneurs (FRV) Voluntary accident insurance for self-employed entrepreneurs, family workers in member businesses, and other qualifying individuals in the wood and metal industries who are not mandatorily insured.
• Foreign Assignment Insurance (AUV) Statutory accident insurance cover for employees of member companies temporarily posted abroad, extending German workplace accident protection to international work assignments.
• BG-Kliniken (Occupational Rehabilitation Clinics) Specialized occupational medical and rehabilitation clinics operated as part of the German statutory accident insurance system, providing medical treatment and occupational reintegration services for injured insured persons.
• meineBGHM Online Member Portal Digital member portal enabling member companies to manage their BGHM affairs online, including contribution statements, membership data, and communication with the carrier.
• Lohnnachweis DIGITAL Digital wage declaration service allowing member companies to submit their annual remuneration reports electronically to BGHM for contribution calculation.
• Gefährdungsbeurteilung Online Online risk assessment tool provided by BGHM to help member companies conduct mandatory workplace hazard assessments in accordance with occupational safety regulations.
• Seminars and Training Programs Occupational safety and health training seminars, courses, and e-learning programs offered to member companies and their employees to support workplace accident prevention.

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• MD Medicus Assistance Service GmbHcoreStrategic or Co-development PartnerMD Medicus provides 24/7 emergency assistance for BGHM-insured persons who suffer workplace accidents abroad. The partnership enables rapid organization of medical care, specialist referrals, hospital transfers, and medical repatriation to Germany. BGHM operates a dedicated international emergency hotline (+49 6131 802-18008) in cooperation with MD Medicus.
• DGUV (Deutsche Gesetzliche Unfallversicherung)coreStrategic or Co-development PartnerBGHM is a member of the DGUV federation, which coordinates all statutory accident insurers in Germany. DGUV provides unified standards (DGUV Vorschriften, DGUV Regeln, DGUV Informationen), the D-Ärzte (consultant doctors) network, the diva-online portal for finding medical specialists, and the DGUV Job service for occupational reintegration.

Scale indicators1 record

Recent moves7 records

Expansion highlights5 records

Direct peers

• BG BAU (Berufsgenossenschaft der Bauwirtschaft): German statutory accident insurer for the construction industry, operating under the same SGB VII framework. Direct peer because both are Berufsgenossenschaften delivering mandatory accident insurance, prevention, and rehabilitation to a defined industry sector with identical governance (Selbstverwaltung) and funding (wage-based contributions).
• BG RCI (Berufsgenossenschaft Rohstoffe und chemische Industrie): German statutory accident insurer covering raw materials and chemical industry. Direct peer under SGB VII with identical mandate structure, contribution mechanics, and DGUV membership — the closest analog for sector-specific statutory workers' comp in Germany.
• BG ETEM (Berufsgenossenschaft Energie Textil Elektro Medienerzeugnisse): Statutory accident insurer for energy, textile, electrical, and media products industries. Same SGB VII framework, same contribution formula, same DGUV federation membership — directly comparable statutory workers' comp peer.
• BG Verkehr (Berufsgenossenschaft Verkehr): Statutory accident insurer for commercial transport, logistics, and postal services. Same SGB VII framework, same sector-specific prevention model, and DGUV federation member — directly comparable statutory workers' comp peer to BGHM.
• BGN (Berufsgenossenschaft Nahrungsmittel und Gastgewerbe): Statutory accident insurer for the food and hospitality sector under SGB VII. Comparable in mandate, prevention-services model, digital member-portal operations, and Selbstverwaltung governance to BGHM.
• VBG (Verwaltungs-Berufsgenossenschaft): Statutory accident insurer for administrative and service-sector companies in Germany. Operates under identical SGB VII mandate and Selbstverwaltung governance as BGHM, with comparable digital service offerings and contribution mechanics.

Regional players

• AUVA (Allgemeine Unfallversicherungsanstalt): Austrian statutory accident insurer with a sector-based employer-mandate structure analogous to BGHM. Regional peer because it serves Austria rather than the German wood/metal sector.
• SUVA (Schweizerische Unfallversicherungsanstalt): Swiss statutory accident insurer covering workplace and non-workplace accidents, comparable in mandate structure and contribution-based funding to BGHM. Regional peer because it operates in Switzerland rather than competing directly in Germany.

Others

• IKK classic: Largest German IKK (Innungskrankenkasse) statutory health insurance fund. Not a workers' comp peer, but a comparable German public-law Körperschaft des öffentlichen Rechts operating under mandatory membership, Selbstverwaltung governance, and contribution-based funding.
• DGUV (Deutsche Gesetzliche Unfallversicherung): Umbrella federation coordinating all German statutory accident insurers including BGHM. Not a direct peer (it is BGHM's parent federation, not a competing insurer) but operates the DGUV Vorschriften, D-Ärzte network, and diva-online portal that BGHM relies on for shared standards.

Market position

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubebghm.de/footer/youtube
• Facebookbghm.de/footer/facebook
• LinkedInbghm.de/footer/linkedin
• Instagrambghm.de/footer/instagram
• Xx.com/bghw_info

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Berufsgenossenschaft Holz und Metall