{"id":24804,"date":"2024-02-27T10:01:22","date_gmt":"2024-02-27T10:01:22","guid":{"rendered":"https:\/\/hs-experts.com\/?p=24804"},"modified":"2025-08-19T14:07:01","modified_gmt":"2025-08-19T14:07:01","slug":"rutschpartie-ins-buero","status":"publish","type":"post","link":"https:\/\/hs-experts.com\/en\/blog\/rutschpartie-ins-buero\/","title":{"rendered":"Slipping into the office: Safety First: When the journey to work becomes a source of accidents"},"content":{"rendered":"
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Slipping into the office: Safety First: When the journey to work becomes a source of accidents<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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It happened again at the end of January. I had just got off the bus, dusk had already set in, and suddenly - poof - I was lying on the floor. The scenario? Classic black ice. One minute I was walking on two legs, the next I'm involuntarily landing on the seat of my trousers. Confusion spreads through me until I realise: snow + rain + sub-zero temperatures = danger of slipping * to the power of ten. I look around me and can't shake the feeling that someone has let loose a colony of penguins. A funny spectacle, you might think, if it hadn't been for the one or two who paid for their balancing act with pain.<\/span><\/p>

But wait a minute - didn't I just come from work? Was that already a work or commuting accident? If so, what do I have to do now? We will answer these and other questions in the following guide and go into more detail about what lies behind the dry term \"commuting accident\" and talk about other things such as risks, protective measures and what the German Social Accident Insurance (DGUV) has to do with it. Because let's be honest: at the end of the day, we all just want to arrive safely - but if that's not the case, we want to be as prepared as possible, don't we?\u00a0\u00a0<\/span><\/p>

What exactly are occupational and work-related accidents?<\/span><\/h2>

Now, before we delve deeper into the subject matter, let's first clarify what is meant by accidents at work and work-related accidents. These are accidents that occur at work or while travelling on business. <\/span>An accident,<\/b> as defined by the DGUV <\/span>is a sudden, external event that causes physical damage. Sounds pretty straightforward, and it is.<\/b><\/p>

The interesting thing is that insured activities not only include the work itself, but also a lot of things that happen around it. Whether it's a business trip where you slip and fall in the hotel, a company sporting event that's not about winning a gold medal, or a Christmas party where everyone can really switch off. All these activities are covered by the insurance as long as they are within the scope of the insurance.<\/span>n Connection with the work<\/b> stand.<\/span><\/p>

But of course there are also limits. Not every incident is considered an accident at work. If you twist your back while secretly doing yoga in the office or stumble on the way to work while shopping privately, this is not covered. Accidents that you provoke yourself, whether through negligence or even intent - or because last night's party was too wild after all - are also not covered.<\/span><\/p>

Road accidents explained: What you need to know to navigate safely<\/span><\/h2>

Back to my fall story on the way home... Then it dawned on me: when employees have an accident on the way to or from work, it's called a commuting accident in legalese. But what exactly does that mean for me and everyone else who navigates to work more or less elegantly?<\/span><\/p>

DGUV formulates it like this:<\/span>\"Commuting accidents are accidents suffered by insured persons on the way to or from work or training centres. In principle, the direct route is insured.\"<\/span><\/i><\/p>

A commuting accident is therefore more or less a work accident gone wrong - it affects everyone who is on their way to work or back home. This includes a colourful group of people: Full-time employees, the hard-working students and pupils, the heroes of volunteering and those caring for relatives at home. As soon as you set foot out the door, the insurance clock starts ticking - at least until you return.<\/span><\/p>

The basics: When does it count as a commuting accident?<\/span><\/h3>