Should Industrial Injury Claims be the Last Thing on Your Mind?
It’s your first day at work in your new job, you go for our induction course and you are told about the company policy, shown the fire escapes introduced to everyone, shown where you will be working. Industrial injury claims should be the last thing on your mind, or should it? We start a new job and having jumped through the necessary hoops to get it, given references, shown our passports, certificates, all to prove we are people of integrity and we do this voluntarily with no questions asked.
Of course, we never think an accident at work would happen to us, it’s human nature to think tragedy will always happen to someone else, but so often that someone else is us. My question is, should we ask our employers to show us their accident insurance? Some do display certificates, but do we know where? Do we know if its current? For those unfortunate enough to have an accident at work, accident insurance for your employer is a legal requirement.
Successful industrial injury claims are usually reliant on employers having current accident insurance. Even if a claim is made after the employee has left the company and the company no longer trades, as long as at the time the employee was at work, a current and valid accident insurance policy was held, then industrial injury claims proceedings can be started. Yet for most of us, the thought of asking on our first day or week if current insurance is held probably fills us with mortal dread. The strange thing is hindsight is a wonderful thing and if you did sustain an injury at work and you found out that the company did not have proper insurance, you might regret having not asked.
In a world where open and honest transparency is actively encouraged, it could be a good idea to find out if you are going to be covered. For a small injury, non life threatening, the inconvenience and loss of a potential £2000 or £3000 loss might be irrelevant, but what about a more serious injury, a life changing injury, that could be devastating.
Because someone tells us they are open and honest and being transparent, does not necessarily mean they are. Solicitors the world over will tell you of broken promises sealed with an honest handshake. Bearing in mind successful industrial injury claims are based on this pivotal piece of insurance that the company should possess, it could be advantageous for us to find out if the companies and organisations we are working for have a current certificate.
Companies do have an accountability and reputable companies will of course have the correct statutory documentation they need and when asked are more than happy to provide evidence as part of an open policy. Contact Accident Advice Helpline today to find out about making a claim if you have been injured whilst doing your job.
Date Published: 10th October 2012
Author: David Brown