On work place safety I theoretically have to submit a sketch of my home work place and e.g. also need to bring in cables for electrical testing. Yes my employer is generally responsible for a risk assessment (here in Germany) Actually a covid home office risk assessment guidelines provided by such a work place insurer even provided guidelines to account for the mental health effects of being put into home office. For the drive to work, insurance covers the direct path including bringing kids to school or kindergarten. Actually I once had to draw a map that very much detailed the route I have taken because I had a bike accident. Also in hospital you typically will be asked to detail that the accident was on your way to your work after that everything will be automatically handled by the employers insurance. I think the ruling just strengthens the existing system.