To cover the legal and compensation costs of work injury claims all employers in the UK must by law, have employers liability insurance.
A certificate showing the employers liability insurance should be clearly displayed on the premises for all employees to see. If the employer fails to do this they could be subject to a prosecution and fine.
More often than not, reputable firms will also have public liability insurance. Public liability insurance (normally around £5 million cover) protects employers against claims for personal injury and damages being made by customers or the general public.
Unlike employers liability insurance which employers are required to have under the Employers’ Liability (Compulsory Insurance) Act 1969 , public liability insurance is not a requirement by law for business in the UK to hold.
Injuries at work
Regrettably many of us are injured at work through no fault of our own.
Sometimes the workplace injuries are no more than a small cut or bruised knee which obviously wouldn’t be something worth making a claim for but on some occasions an injury at work can be life changing or even fatal. In these circumstances a claim can be made to secure financial compensation for future loss of earning and medical needs and requirements to cope with a long-term injury.
Some work environments are more dangerous than others. Construction and building sites, factories and farming are all high risk industries that would likely have premium liability insurance to cover against serious personal injury claims.
- Provide a safe workplace
- Provide protective clothing or equipment
- Give appropriate training
- Have first aid facilities on site
E very employer in the UK must provide all employees with the appropriate safety equipment and training for their respective job roles in order to minimise the chance of injury.
Also, employers owe their employees a ‘duty of care’ to ensure the workplace is safe and as risk free as possible.
There is also an onus on every employee to maintain and ensure safe working conditions. They have a duty to inform management if spillage occur or if they are working with faulty equipment or machinery. Employers must be made aware of any potential danger and risk of injury to the employers as soon as possible, after all if they are unaware of a problem they can’t take steps to resolve it.
If training and personal protective equipment (PPE) has been supplied it is the employees responsibility to carry out their job role in accordance with the training and wear safety equipment correctly.
If an employee suffers personal injury at work because of their own negligence or carelessness they won’t be able to make a work accident compensation claim.
Employees should carry out regular checks of any tools they are using and ensure they are clean and are being used to the manufacturer’s instructions.
In the event of an accident at work and someone suffering personal injury as a result the details of the accident and injury should be logged in the firms’ accident book as soon as possible in order to record the details of the accident and injury suffered.
Making a record of the accident and injury is very important. Firstly, if you do decide to make a claim for the injury you suffered at work, there will be a record of the accident and the nature of the injury.
Secondly, your employer will have a record of the accident so they will be able to see why the accident happened and take preventative measures to avoid similar accidents happening at a later date.
Claiming against employers liability insurance
If you have suffered an injury at work which is serious enough for you to be in some considerable pain and discomfort and potentially have to have time of work then you may be able to claim compensation against your employers’ liability insurance if the accident was not your fault.
As we have said all UK employers are required by law to have insurance to cover against employees having accidents so you should not be concerned what your employer will think of you if you make genuine injury claim.
Please feel free to contact us as we offer free legal advice and an assessment of your claim, without any obligation to proceed further if you decide not to.
If you do have a claim our specialist injury solicitors will handle your injury claim and negotiate with your employers liability insurer to get the maximum amount possible for your injury claim, at no cost to you.