Company sport is a popular element in many companies that strengthens team spirit, promotes fitness and contributes to the general satisfaction and motivation of employees. Find out everything you need to know about company sports and insurance here.
However, as an HR manager, you should also think about the legal and insurance aspects of company sports. One key question is: when are employees insured when taking part in company sports?
In this article, we clarify when employees are insured for company sports and which criteria must be met in order to make use of the statutory insurance cover.
Company sport is a popular element in many companies that strengthens team spirit, promotes fitness and contributes to the general satisfaction and motivation of employees. However, the origins of company sport go way back into the history of the labour movements of the late 19th century. Employers, particularly in the chemical and coal and steel industries, founded their own company sports groups in order to create an alternative to red labour sports. These groups, which became known as ‘yellow sports groups’, competed with the workers’ sports clubs affiliated with the trade unions.
During the National Socialist era, company sports were integrated into the ‘Strength through Joy’ movement. Today, company sport is organised both through private initiatives by employees and through offers from the works council or management. The German Company Sports Association is open to all members.
Accordingly, company sport nowadays includes all sporting activities organised by your company to promote the well-being of your employees. This can range from weekly fitness classes and company runs to sports teams such as football or volleyball teams. Whilst company sports offer many benefits, the liability and insurance issues can be complex.
As a rule, employees are legally insured for company sports. However, certain criteria must be met:
Statutory accident insurance protects employees not only during the sports activity itself, but also on the way there and back home or to work. This means that accidents on the direct route to or from the sports venue are also covered.
However, there are certain exceptions to the insurance cover:
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