I am self employed. I had an accident at work. Can I make a Claim?
By Michael Patrick. Last Updated 23rd March 2021. Welcome to our online guide where we shall address the following question: I am self-employed and had an accident at work, can I claim? We have come across many people who seem to be confused about their rights as a self-employed worker when it comes to compensation claims. In some cases, the self-employed are not even aware that they can make a self-employed injury claim due to a lack of information on the subject.
Some people believe they cannot make a self-employed personal injury claim because they think there is no one to claim against. However, it is important to note that this is not the case, as it is perfectly legal for a self-employed person to make compensation claims, under some conditions. Note that even though self-employed personnel work on their own and are responsible for their own safety, there is also a possibility that injuries can happen due to the action or inaction of someone else.
This guide deals extensively with the subject of personal injury claim for self-employed workers. It answers many questions about this issue and will clear all doubts you may have had before. It looks at the different circumstances under which an injury compensation claim can be started and what is involved in making one.
At the end of this guide, readers will understand their rights to a compensation claim as a self-employed person and make these claims and all other important information necessary. Should you read this guide and still have some unanswered questions, we have put our contact details at the bottom. Feel free to contact us by calling 0800 073 8804, and we will be glad to answer your questions and offer you some free advice.
Select a section:
- A guide to claiming for an Accident At Work as a self-employed person.
- Do self-employed people have the same rights as permanent employees?
- Can a self-employed person be sued for an injury caused to a work colleague?
- Claiming for slip trip and fall injuries as a self-employed person.
- Claiming for a work-related road traffic accident as a self-employed person.
- Claiming for injuries at work as a self-employed person.
- Self-employed injury facts and statistics.
- Assessing the severity of an injury as a self-employed person.
- The long-term effects of an injury as a self-employed person.
- What to do if you have suffered an injury as a self-employed person?
- What can be claimed for after an accident at work as a self-employed person?
- No win no fee self-employed injury claims.
- How much can I claim for an accident as a self-employed person? (Updated March 2021)
- How to start an injury claim as a self-employed person.
- Why choose us as your claims service as a self-employed person who has suffered an injury?
- Call for free advice and to start a claim.
- Self-employed accident at work, can I claim? FAQs
As mentioned earlier in this guide, a self-employed person may have the right to make a personal injury claim; however, this will largely depend on the circumstances that caused the injury and to what level it was sustained.
This guide talks extensively about this issue. It is designed to give readers all the information they may require in order to make a successful compensation claim. It looks at all the possible areas where a self-employed person will be eligible to make a personal injury claim.
In this guide, you will come to understand your rights as a self-employed person and get an answer to the question “can I claim compensation for a self employed accident at work?”. You will also recognise what is involved in making a compensation claim in different scenarios like claiming for Trip, slip and fall injuries, along with work-related accidents among many others.
This guide has also summarised what you can do immediately you suffer from an injury as a self-employed person, what can be claimed and how much money you could actually receive. To make things easier, we have inserted a paytable that shows the possible compensation amounts for different injuries for a self-employed injured on the job. The essence of this is to give you an idea of what to possibly expect. For more accurate figures, you can get in touch with us through our contact details at the bottom of this guide.
Finally, you will read about our No Win No Fee arrangement, which is one of our services’ pillars. There is no doubt that this guide will answer the question, I’ve had a self employed accident at work can I claim?. To start, you can contact us for free advice on your issue.
It is important to note that there are self-employed injury benefits even though the self-employed may not be able to enjoy the same level of rights like holiday pay, sick days etc. like permanent employees. However, they still have the same rights for health and safety. By this, we mean that self-employed people, who are working for a company, are entitled to be working in a safe environment.
The implication is that the company will be expected to provide the same health and safety protection afforded to its employees to the self-employed person working with the company. Therefore, the self-employed and the permanent employees are considered the same when it comes to health and safety if both are working in the same facility.
It will all depend on the circumstances surrounding the issues of the injury caused, as each case is treated on its own merit. However, if the self-employed and the work colleague are working for a company, the liability of the injury will fall on the company and not the self-employed workers.
It is important to note that by law, the employer or company owner has a duty to ensure strict compliance with health and safety procedures by all workers in their facility, whether sell employed or permanent employees. Therefore, the company will be liable for any injury to anyone as a result of this breach.
If the question on your mind is “I’m self-employed and had an accident at work; can I claim for a slip, trip or fall?” then read on to our next section as it will be of use to you.
Slip, trip and fall injuries are one of the most common types of subcontractor accident at work, and often leave workers asking “can I claim compensation for a self employed accident at work involving a slip, trip or fall?”. It happens when a person slips, trips, and falls due to working in an unsafe environment, due to things such as wet surfaces, and faulty equipment, among others.
Note that the liability of a slip, trip and fall injuries will fall on the company owner in a situation where the self-employed person is working for a company. The implication here is that you can claim compensation against the company for a self-employed subcontractor accident at work. An experienced solicitor will check your case’s viability and advice on what next to do in this situation. You can contact us for free advice through our contact details at the bottom of this guide.
A work-related road traffic accident could happen as a result of several factors, like negligence on the part of a driver. However, whatever the case, you can claim compensation for this kind of accident even as a self-employed person.
The compensation claim will be made against the company or the individual that caused the accident. Your solicitor will look at the case and advise you on the best action to take in this regard.
If you find yourself asking “I’m self employed and had an accident at work, can I claim if the accident was on the road?” the answer is yes. Get in touch with our team today and we will help you start your claim.
“Can I claim compensation for a self employed accident at work?” is a question we’re asked often. As mentioned at the beginning of this guide, there is no doubt that a self-employed person may be able to make accident claims for injuries sustained at work. However, this could depend on the situations and the place of work. For example, the following situation applies.
- The self-employed person works for a company in an unsafe work environment which leads to accident in the process.
- The self-employed person spends most of their working time in a company and gets injured while working on a project.
- The company controls the self-employed person, including the environment and the working processes.
The scenario above paints a picture of where a self-employed person can claim compensation while at work. However, note that an experienced solicitor will check your claims’ viability to determine if there is an opportunity for you to claim. You can contact us for free advice to help you know if you have a valid case for compensation.
The rate of fatal injuries among self-employed is lower when compared to employees. The injury ratio for employees to self-employed over the last 10 years is about 2: 1, although this varies by the industry as the graph below indicates.
With many more jobs being filled by agencies, the self-employed workforce is growing rapidly, causing the likelihood of injuries sustained to this self-employed to increase dramatically.
When looking at workplace accidents in 2019/20, the Health and Safety Executive (HSE) outlined that there were 639,000 cases where worked endured a mom-fatal injury. It was also documented that the most common causes included the following:
- Falls from height accounted for 8% of all accidents in 2019/20.
- Acts of Violence accounted for 9% of all accidents in 2019/20.
- Stuck by a moving object accounted for 11% of all accidents in 2019/20.
- Handling and lifting heavy items accounted for 19% of all accidents in 2019/20.
- Slips, trips and falls accounted for 29% of all accidents in 2019/20.
It is important to note that each compensation claim case is treated on its own merit, and the amount of compensation paid to you will largely depend on the severity of the injury. Therefore, assessing the severity of an injury is very important and should not be taken for granted.
Assessing the severity of the injury will require that you get a professional medical opinion. This means that there may be a medical examination, to ascertain the level of damage or injury you may have suffered. The medical opinion from a professional would stand as part of the evidence needed when making a self-employed personal injury claim.
To make things easier for our clients, we can arrange a local medical examination if required. Contact us for more details. Check the bottom of this guide for our contact information.
When we talk about the long-term effects of an Injury as a self-employed person, we are not just talking about the physical pain and suffering you may have to endure, but also the psychological damage it may cause you.
The long-term effect also looks at the financial loss, reduced earning potential and the possibility of having to quit work entirely. These form part of the considerations of compensation claims and will contribute to the compensation payout at the end. A good and experienced solicitor will look at all the effect of the injury in the long term and try to get the best possible compensation amount for the client.
Now that we’ve looked at the question “can I claim compensation for a self-employed accident at work?” our next section will look at the steps you should take if you’ve been injured at work while self-employed.
If you are a self-employed person and have suffered an injury, then the possibility of getting compensation will partly depend on what you do at the initial stages of the injury claim. The following are steps that you can take, to enable you to build a good case for a compensation claim.
- Collect Evidence: The first and probably most important thing to do in this situation is to collect all necessary evidence. If the accident happened at work, it should be recorded in the accident book immediately. You can also take a photograph of the accident scene, the injury sustained, and any other thing that could help your case. If possible, get an eye witness report, names and contact details as they may be required at some point.
- Get a Medical Opinion: For your case to be solid, it will require that a professional give a medical opinion on the severity of the injury. In this case, you will undergo a medical examination to get the required medical opinion.
- Keep Track of Your Loses: This is important because you might have to make a claim based on your losses. We mean financial losses like medical expenses, loss of earnings, and travel losses, among others.
Your solicitor will check your case’s viability and offer advice on what may be required at this stage. You can contact us immediately to get free advice or discuss the question “can I claim compensation for a self-employed accident at work” at greater length.
We have to make it clear that not everything can be claimed in a work-related injury self-employed compensation claim. Therefore, you have to understand what can be claimed and what can’t be claimed. Building a case on a wrong claim will affect the amount of compensation you can get. The following are damages you can likely claim:
- General Damages: This type of claim will cover the pain and suffering that you have suffered as a result of the injury. The idea is to get compensation for the non-monetary aspect of the effect of the injury.
- Medical Expenses: This type of claim is meant to get back all the medical expenses you have incurred as a result of the injury.
- Travel Expenses: This refers to your travel losses as a result of the injury.
- Recuperation: This type of claim enables you to get compensation financially that would aid your recuperation from the injury sustained.
You must ensure that you make the right claim to increase your chances of getting the maximum possible compensation. You can contact us for free advice on how to do this.
The No Win No Fee arrangement is the support of our service. This is an initiative to help everyone who may have a good case but may not have the required funds to pursue their case.
The No Win No Fee deal is simply a Conditional Fee Agreement (CFA) which allows us to offer our clients legal representation at no cost. The implication is that you do not have to pay us before we take up your case. However, our legal fees will be taken from your compensation amount if your claim is successful.
Alternatively, if your claim is not successful, then you do not pay us anything. Therefore, you do not have anything to lose as we take all the risk of on your behalf.
It is important to note that the amount of money you can claim will largely depend on the severity of the injury. Besides, each case will be judged on its own merit, making it difficult to give an accurate estimate. However, we have added a standard paytable to give you an idea of what you could get. See the table below:
|Toe Injury||Severe||£7,300 - £10,450||May lead to loss of use of the toe temporarily.|
|Toe Injury||Full Amputation||£27,750 - £42,600||Results in permanent loss of toe.|
|Toe Injury||Moderate||Up to £7,300||Very painful but will not lead to loss of toe.|
|Foot Injury||Very Severe||£63,825 - £83,235||Amputation of the foot is possible.|
|Foot Injury||Severe||£31,900 - £53,200||Severe injury may lead to loss of foot.|
|Foot Injury||Serious||£19,000 - £29,800||Surgery may be required to correct the problem.|
|Foot Injury||Moderate||£10,450 - £19,000||Very painful. May lose the use of foot temporarily.|
|Foot Injury||Minor||Up to £10,450||Injury is minor but enough to cause pain.|
|Leg Injury||Moderate||£21,000 - £29,800||Injury may be minor but can cause a lot of pain.|
|Leg Injury||Serious||£29,800 - £41,675||Minor fracture, causing lots of pain but will heal with time.|
|Finger Injury||Severe Fracture||Up to £27,925||Possible loss of the fractured finger. May be corrected by surgery.|
|Finger Injury||Loss of Index Finger||Up to £14,250||Either full amputation of index finger, or partial down to the second knuckle.|
|Finger Injury||Partial Loss of Finger Function||£9,250- £14,250||Loss of use of finger but it is temporary. May be corrected with surgery|
|Finger Injury||Fracture of Index Finger||£6,925 - £9,300||Fracture causing some serious pains but heals within few weeks.|
If you need a more accurate idea of how much you will receive, use the contact details at the bottom of this guide to reach us, for lots more relevant information, regarding your personal injury case.
Starting a claim as a self-employed person should not be difficult if you have read this guide. We are here to help you out. We offer a free legal consultation to evaluate the viability of your claim. We find the facts and then offer you the best advice on the way forward.
In addition, we can tell you how much you will possibly receive. If a medical examination is required, we will also arrange it. All you need to do is use our contact details at the bottom of this guide, call us, and get started right away.
Claiming for compensation as a self-employed person can be very tricky. You need an experienced solicitor to build a solid case and increase your chances of getting the maximum possible amount. This is exactly who we are.
We are specialist solicitors, having handled a lot of successful cases over the years. We know exactly what it takes to be successful in compensation claim cases and rest assured we will handle your case in an entirely professional manner.
We keep our clients’ interest at the forefront of everything we do, and that is why we do everything possible to get you the maximum possible compensation amount. You can contact us today to discuss the question “can I claim compensation for a self-employed accident at work?” , and we will be glad to help you.
The time to take action is now. This guide has answered the major questions that people ask when it comes to a self-employed injury claim. However, if you still require further answers to any other questions you may have, please contact us immediately for free, so we can help you get the best outcome in your personal compensation claim.
Our telephone contact is 0800 073 8804 if you need to call us. You can also contact us using our contact form or webchat function. Call us now to discuss “self employed accident at work can I claim.”
If you have had an accident at work, find out how much compensation you can claim on a No Win No Fee basis also feel free to call us today for free legal advice.
This HSE link is all about health and safety for self-employed workers.
Can I claim if I am self employed and injured at work?
In short, the answer is yes, you could make a claim if you are self-employed and injured at work. Your employer has all the same responsibilities to provide training, PPE and safe workspace as with a permanent employee.
What should I do if I am self employed and injured at work?
If you are working at a clients property, you should inform them of the accident so the HR department reports the incident in an accident log book. It is imperative that you acquire a copy of the accident log to use as evidence.
Why should I claim for a personal injury if I am self employed?
When making a work injury claim as a self-employed person, you can claim for the pain and suffering you’ve experienced. You can also claim for financial losses such as time off work, medical treatment and care costs.
Can I make a personal injury claim myself?
You can make a personal injury claim yourself. But you may find it much easier, quicker and less stressful to instruct a personal injury solicitor to work on your behalf, especially if you’re recovering from injuries sustained in the accident.
What are my rights if I am injured at work?
When injured at work because of someone else’s negligence, you have the right to seek compensation for your injuries. However, unlike employees, you won’t be entitled to statutory sick pay for time taken off work for your injuries.
What happens if an accident at work is not reported?
Some accidents legally need to be reported to RIDDOR, such as fatal accidents or specified injures. But other injuries should still be reported in the accident book, as this could provide you with evidence when making a claim.
How long do I have to sue for work related injuries?
The time limit for a personal injury claim is three years. This can be from the date of the accident or, in the case of occupational diseases, from the date you became aware that your symptoms were caused by your job.
Why should injuries be reported immediately?
It’s best to get the details of the accident down while they’re fresh in your mind. If after the accident you can’t fill out the accident book for any reason, another employee who saw it take place can do so for you.
Thank you for reading our guide which set out to answer the question: I am self employed and had an accident at work, can I claim?