Many people worry about making a personal injury claim against their employer. Part of this concern is that they are concerned that the cost of a claim may hurt their employer financially, especially if it is only a small business. However, this is not the case. All employers, large or small, are required to have insurance to cover them for accident claims and similar occurrences, which means that if you make a claim for personal injury, your employer’s insurance company will cover the costs and not your employer.
Every year, according to the Health and Safety Executive, over a million people in the UK suffer a work-related injury or illness. This means that work-related injuries are responsible for a lot of lost workdays. Obviously, this has financial implications for employers and many people think that making a personal injury claim will add further financial strain to a business. However, employees have a right to expect damages for any injury that wasn’t their fault and because all employers should have insurance for such accidents, you needn’t fear that your claim will hurt the company you work for.
What is public liability insurance?
All employers are legally obliged to have public liability insurance. This covers a business for any injury caused on their premises to both the workforce and members of the public. Whether it is a trip, a slip, a fall or an accident on a machine, if it was not your fault then you have the right to claim compensation from the insurance company for the pain and suffering and for any financial costs and losses caused by the accident. Once you make a claim, it will be made against the insurance company so you won’t have to get into a heated discussion with your employer or feel embarrassed by such an action.
Who is liable for my accident?
Of course, you can only make a claim for damages if your employer is liable. If your accident was your own fault, such as failing to abide by health and safety rules, then your employer may not be liable. However if you are injured at work and it was caused by the negligence of a third party, then you have the right to make a claim for compensation.