Who Pays for An Accident At Work in the UK?
If you are injured at work, there are three parties who are likely to pay for the accident.
1. Your Employer
The first party who will probably pay for your accident at work is your employer. They may have insurance specifically for workplace accidents, and they may be required to pay any medical bills as well as the cost of lost earnings.
2. Your Group/Employer's Personal Accident Insurance
Your personal accident insurance policy could cover you for workplace accidents. If the value of your claim exceeds the limits of your personal accident policy, then you can make a further claim against it.
If you are lucky enough to have group or employer's liability insurance, then this will also contribute towards paying for your accident at work. If you were injured in an accident that occurred during work activities outside of the workplace, then any personal accidents insurance policy is unlikely to pay out.
We can ensure you receive all the compensation you deserve from your insurer.
3. A Third-Party
If a third party is responsible for the accident, then that person or company may be liable to compensate you. There are several scenarios that could lead to this – an untrained temporary worker caused your injury, there was a defect in machinery belonging to someone else, etc.
In these cases, we can make a claim against them on your behalf and ensure you get the compensation you deserve.