Self employed work information and advice
If you have any questions or need expert advice about accident claims and compensation for your self employed work, talk to one of our friendly, legally trained advisors now, on 0800 689 5659.
Have you had an accident while self-employed?
Nearly 5 million people in the UK today are self-employed, and many are contracted to do jobs for other people on site¹.
You may believe that being self-employed means you are responsible for your own safety – but if you have been contracted to do a job, and you are injured through no fault of your own while working, you could be eligible to claim compensation.
If you work for an employer, you may be able to take time off sick after being injured. If you are self-employed, you won’t be entitled to sick pay or employer support, and you won’t be paid for periods you don’t work. In general, self-employed workers injured in accidents are more vulnerable financially.
When you have an accident, you need the right help, tailored to your situation. If the accident wasn’t your fault, you shouldn’t have to pay for the consequences, or chase around trying to find the right specialist help.
If the accident you suffered wasn’t your fault, and if it happened while you were working at a client’s business premises, you could claim compensation.
Claiming might seem like extra hassle, but compensation can really help to ease the stress, covering medical costs, loss of earnings, housing and travel costs, and continuing care. It also compensates you for the pain and suffering. If you suffer a more serious injury, it can help you adapt your home, car and way of life.
We make it simple to get the right advice and help, with just one free phone call. Our support will help you to recover more quickly.
Whatever your accident or injury as a self-employed worker, it’s essential to seek medical attention and diagnosis promptly. This increases the chances of treating your injury in the best way. In addition, a medical report will serve as proof of your accident. If you decide to claim compensation from another party, it will help to substantiate your claim.
If possible, gather whatever details you can about the scene of your accident, including photographs of your injuries and names of any witnesses. Make sure that your accident is logged and signed off in the accident book where you were working, which may be kept by the HR department or a supervisor.
Why claim for your injury?
For the most part, self-employed workers are responsible for their own safety.
However, if you suffer injury while working for a client on a project (as a construction contractor, for example), you may be able to claim compensation. Employers have a duty of care to all workers, whether permanent, freelance or on contract. This means an employer must make sure the working environment is safe for everyone working on a project.
Self-employed workers may not have access to the same rights or perks as employees, but when you are on a client’s business premises, you have a right to expect to be kept safe. This means, for example, being given the proper equipment and training to carry out work.
If you are injured in an accident, treatment may involve a lengthy process. Some injuries are so serious that they cause permanent disability, while others need treatment in a rehabilitation unit. Even a mild injury can stop you from doing simple tasks.
If you can’t work for long periods, you may find it difficult to keep up with the mortgage, rent or household bills. You might also have to depend on someone else to help you. Claiming compensation for loss of earnings could enable you and your family to cope.
It’s also important to report working conditions that are dangerous. This can bring about changes in training and work environments – which can help protect others by reducing the risk of similar accidents. Usually, an employer’s liability insurance will cover the compensation award, so no one will lose out.
Can you claim for your injury as a self-employed worker?
If you are self-employed, you may not be able to determine who was at fault for your accident. You might be reluctant to claim against an employer, fearing this may prevent you getting work in the future.
We can support you, but we won’t pressure you to claim. Call us for free on 0800 689 5659 to talk through your situation.
To make a claim, generally you’ll need to be able to answer ‘yes’ to the following questions:
- Did the accident happen within the last three years?
- Did someone else cause the accident?
- Did you suffer injury?
If you have grounds to claim, we will work on your behalf to make sure you get the right amount of compensation. As we build your case, we’ll consider:
- Your pain and suffering
- Any loss of earnings due to time you need to take away from work
- Impact on your ability to work and earn in the future
- The effects your injury has had on your social life and hobbies
- Costs of medical treatment, medication and home adaptation
- Any care you’ve received, even if it’s been given for free
How do you start a claim?
It’s simple and free to find out if you can claim. Just call one of our friendly, legally trained advisors on 0800 689 5659, who will tell you if we can help. Alternatively, fill in our online claim form and an advisor will get in touch to help you to get the compensation you’re due.
We’ll let you know whether you can make a claim, but we won’t pressure you to take action. We can give advice, put you in touch with experts, and guide you through the process of making a successful claim.
We will help you pull together everything you need to support your claim, and lead you through each step. There is no complicated paperwork, and it will not cost you anything. Our personal injury lawyers work on a no win no fee** basis. Whatever the outcome, you won’t be out of pocket.
We take the burden and do the hard work for you. To find out more, contact us on 0800 689 5659.
Why choose Accident Advice Helpline?
As one of the UK’s leading compensation claim specialists, we work for thousands of people who have been injured through no fault of their own. We will help you make a successful compensation claim and get you the right support to aid your recovery.
Over the years, we’ve developed a breadth of expertise to help you make a successful claim. With one phone call to 0800 689 5659, you can get confidential advice and enlist our support in a range of areas. We work to understand what you need, then offer the best possible assistance.
We make it simple for you to get the right advice and claim for compensation.
Our friendly, legally trained advisors will assess your situation and guide you through the next steps to get you the most compensation with the least fuss.
¹Source: Office for National Statistics, Statistical bulletin UK labour market: Oct 2018.