Self employed people often have more difficulty with making claims from insurers, as they usually want tons of proof of the insurance claim. But sometimes it is not their own insurance company they should be claiming from, but the insurers of whoever they are doing the work for.
Employers in the UK have a legal duty to protect the health and safety of their employees while they are at work, and this duty extends to anyone working for them that is self employed as well.
The Inland Revenue are quite strict about peoples employment status, and there are certain rules that have to comply for someone to be classed as self employed. But from an insurance point of view, when the employers complete their annual declaration of employees, they have to stipulate how many self employed people work for them. This is because they can be injured just as easily as a direct employee, and have the same right to make an accident at work claim in Lewisham.
The rights of the self employed to make an accident at work claim in Lewisham
Where health and safety is concerned, there is not one rule for employed workers and another for those that are self employed, the same rules apply to them all.
The same safety measures should be in place to protect them, and if they are injured in an accident at work that was not their fault, they are just as entitled to make an accident at work claim in Lewisham.
The need for the self employed person to comply with the health and safety policy of the business they are working in is just as important, or they could invalidate their right to make a claim.
Proving their loss of income for a successful accident at work claim in Lewisham
Proving the loss of income for self employed people is not as straightforward a producing wages slips that show how much has been lost. Usually, it would be down to their accountant to calculate what their loss is, and to confirm this to the employer’s insurer.
This can cause another problem for the self employed though. In the UK there are over 20,000 accountants, and barely 8,000 of them are chartered. Many of the rest have no qualifications at all, and this is not a problem for the Inland Revenue, the VAT office or anyone else within HMRC, but it is for banks, building societies and insurers.
They will insist on a chartered accountant completing the paperwork, and to do this, the accountant has to check all the records of the victim. This could mean several hours work, and as most of them charge over £100 per hour, it can create a big bill for the victim at a time when they are earning no money.
The self employed and Accident Advice Helpline
We are used to helping self employed people make their personal injury claim, and any problems along the way will be overcome. Just call our freephone helpline on 0800 180 4123, and we will make sure you get the compensation you deserve.