If you work abroad for your company check your employers work accident insurance
Since 1969 every company employing staff in England and Wales must provide employers liability work accident insurance for their employees. There is an exception to this and it is something as an employee you may need to check.
The law surrounding employer’s liability insurance is fairly straight forward as far as the law can be straight forward. It is an insurance that employers must provide for employees should they have an accident whilst working in their job, sometimes it is known as work accident insurance.
Whilst the law is straight forward regarding work accident insurance some insurance companies like to complicate things around employer’s liability insurance by trying to not pay out on claims made by employers. Sometimes some not so reputable insurance companies try and avoid paying for certain events but it is actually illegal they try and say they are not liable to pay out on work accident insurance if
Insurers cannot refuse to pay compensation purely because:
- Employers have not provided reasonable protection for their employees against injury or disease;
- Employers do not keep specified records or cannot provide the insurer with information from those records;
- Employers have done something they told employees not to do (for example, said it was the employers fault);
- Employers have not done something they told employers to do (for example, report the incident); or
- Employers have not met any legal requirement connected with protection of the employees
These are worth noting if for example the employer says the insurance company has cited these reasons why they cannot compensate the employee. The insurance company can still and should pay out in these circumstances
One of the main reasons employers do not have to have work accident insurance is if the employee works abroad for the company. The UK based company is not under any obligation if for example the employee works in an office abroad for the company to provide UK work accident insurance. If the employee spends 14 days or less abroad in any given year work accident insurance must be provided if they work abroad more than this then no such obligation exists. This means employees may not be covered if they have an accident at work. This should be checked by employees who spend time working offshore or in foreign offices of their UK companies.
Companies like Accident Advice Helpline work with individuals who have had an accident whilst at work and are connected with legal experts who can offer guidance in the process of an accident at work compensation claim. For most potential claimants they will not be in this situation. Claiming compensation for individuals who work abroad can be done but is a little more complex. For most potential clients the claims are much more straight forward. A quick call using AAH Freephone number 0800 689 0500 or from your mobile on 0333 500 0993 and within minutes can be on the road to a successful compensation claim.
Date Published: 21st January 2013
Author: David Brown