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I Am Self Employed. I Had An Accident At Work. Can I Make A Claim?

By Max Tatum. Last Updated 25th February 2022. Welcome to our online “self employed accident at work can I claim” guide. Here, we will address the following question: I am self-employed and had an accident at work, can I claim? And also, “can I claim compensation for a self employed accident at work?”

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. You may also be wondering this if you’re a contractor injured at work. In some cases, the self-employed are not even aware that they can make an 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 claims for self-employed workers and contractors. 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. Should you read this guide and still have some unanswered questions, you can contact us for free legal advice. You can do so by calling 0800 073 8804, contacting us on our website or by using our live chat window. Our advisors will be more than happy to answer any queries you have about the claims process. 

Please read on to learn more about claiming for a self-employed accident at work.

Select a section:

A Guide to Claiming for an Accident At Work as a Self-Employed Person

So, you’re asking, “self employed accident at work can I claim“? Or perhaps you’re asking, “can I claim compensation for a self employed accident at work?” 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 the severity of the injury.

This guide talks extensively about this issue. It is designed to give readers all the information they may require 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.

self employed accident at work can I claim

self employed accident at work can I 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 will also summarise what you can do immediately after you suffer from an injury as a self-employed person, what can be claimed and how much money you could receive.

Finally, you will read about our No Win No Fee arrangement, 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.

Can I Claim For A Self-Employed Accident At Work?

So, then, can I claim compensation for a self employed accident at work? If you suffer an injury at work, you may be able to claim if there is clear evidence to suggest that the injury was caused by some form of negligence. 

So, this could be a claim against a client, the owners of the office premises or even a visitor.

I’m A Contractor Injured At Work. Can I Claim?

You may be wondering if you can claim if you’re a self-employed person or contractor injured at work. Regardless of whether you’re one or the other, your rights regarding claiming can be very similar. While certain aspects of working, such as holiday pay or paid sick days, will not be available to you, you can still potentially make a claim if you were self-employed and had an accident at work. 

This is because every employer in Great Britain has a duty of care as illustrated in The Health and Safety at Work etc. Act 1974. They need to ensure that the work environment, facilities and equipment can be used safely and securely without risk of injury. This duty is the same for every employer using their premises. 

Therefore, they need to provide the same health and safety protection to their employees whether they’re self-employed or not. With that in mind, if you’ve been injured due to their actions that go against their duty of care, you may be able to claim.

Can a Self-Employed Person be Sued for an Injury Caused to a Work Colleague?

Going back to the question “self employed accident at work can I claim” will all depend on the circumstances surrounding 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 self 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?”, or similar questions such as “how much compensation for a slip, trip or fall can I claim”, then read on to our next section as it will be of use to you.

Claiming for Slip Trip and Fall Injuries as a Self-Employed Person

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?”. These accidents can happen when a person slips, trips, and falls due to working in an unsafe environment due to wet surfaces and faulty equipment.

Your employer can be deemed liable for the accident and the resulting injury if you’re able to prove that the accident happened due to their negligence. You could, for instance, slip on a wet floor due to no warning signs being present.

An experienced solicitor will check your case’s viability and advice on what to do in this situation. You can contact us for free advice through our contact details at the bottom of this guide.

Claiming for a Work-Related Road Traffic Accident as a Self-Employed Person

A work-related road traffic accident could happen due to 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

How To Claim As An Independent Contractor Injured At Work

“Can I claim compensation as an independent contractor injured 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 situation and the place of work.

Below are a few examples of where you may be able to make a self employed accident at work claim.

  • You fall downstairs due to leaning on a faulty handrail. 
  • You’re not provided with suitable protective equipment. This could cause you to suffer an eye injury, for example. 
  • You are asked to lift an object that is too heavy or without suitable training.

These examples provide a better idea of what we mean when we talk about negligence and how it could cause you to suffer an injury. 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.

Self Employed Injury Facts and Statistics

As the Health and Safety Executive (HSE) reports, the rate of fatal injuries to self-employed employees tends to be higher than normal employees. The current statistics indicate that the rate of self-employed fatalities is around 2.5 times higher. The graph below shows how this changes based on particular industries.

self employed accident at work statistics graph

self employed accident at work statistics graph

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 potentially increase.

When looking at workplace accidents in 2020/21, the HSE outlined that there were 441,000 cases where workers endured a non-fatal injury. It was also documented that the most common causes included the following:

  • Falls from height accounted for 8% of all accidents in 2020/21.
  • Acts of Violence accounted for 8% of all accidents in 2020/21.
  • Stuck by a moving object accounted for 10% of all accidents in 2020/21.
  • Handling and lifting heavy items accounted for 18% of all accidents in 2020/21.
  • Slips, trips and falls accounted for 33% of all accidents in 2020/21.

Assessing the Severity of an Injury as a Self-Employed Person

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 this is very important and should not be taken for granted.

In order to do this, you will need to 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 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 if you’re wondering, “can I claim compensation for a self employed accident at work?” Check the bottom of this guide for our contact information.

The Long-Term Effects of an Injury as a Self-Employed Person

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 effects considered include the loss of earnings, reduced earning potential and possibility of being unable to work entirely. These can contribute to the compensation payout at the end of the claim. One of our experienced solicitors will look at all the effects 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.

What to do if You Have Suffered an Injury as a Self-Employed Person

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. That’s important when thinking, “can I claim compensation for a self employed accident at work?” Below are steps that could 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 collect all necessary evidence. If you’re a contractor injured at work, it should be recorded in the accident book immediately. You can also take a photograph of the accident scene, the injury and any other thing that could help your case. Getting contact details of any witnesses can also help strengthen your case. 
  • Get a Medical Opinion: You will require a professional to 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 Losses: This is important because you might have to 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.

What can be Claimed for After an Accident At Work as a Self-Employed Person?

We have to clarify that not everything can be claimed in a work-related injury self-employed compensation claim. Therefore, you have to understand what you’re able to claim for. Building a case on a wrong claim will affect the amount of compensation you can get. The following are damages you may be able to claim:

  • General Damages: This type of claim will cover the pain and suffering that you have suffered due to the injury.
  • Medical Expenses: This type of claim is meant to get back all the medical expenses you have incurred due to 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 to aid your recuperation from the injury sustained.

You can contact us for free legal advice if you’re an independent contractor injured at work. We can inform you if you can claim, what damages you can claim for and even provide you with a compensation estimate. And hopefully, this helps to answer the question, “self employed accident at work can I claim?”

No Win No Fee Self Employed Injury Claims

We can offer our services through a No Win No Fee agreement. 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 a Conditional Fee Agreement (CFA) which allows us to offer our clients legal representation without having to pay your solicitor’s legal fees. 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 have to pay these fees. Therefore, you do not have anything to lose as we take all the risks on your behalf. This is well worth knowing while pondering, “can I claim compensation for a self employed accident at work?”

How Much Can I Claim for an Accident as a Self-Employed Person? 

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. The Judicial College has provided these figures. See the table below:

InjurySeverityAmountDescription
Toe InjurySevere£12,900 to £29,770May lead to loss of use of the toe temporarily.
Toe InjuryFull Amputation£29,380 - £52,630Results in permanent loss of toe.
Toe InjuryModerateUp to £9,010Very painful but will not lead to loss of toe.
Foot InjuryVery Severe£78,800 to £102,890Amputation of the foot is possible.
Foot InjurySevere£39,390 to £65,710Severe injury may lead to loss of foot.
Foot InjurySerious£23,460 to £36,790Surgery may be required to correct the problem.
Foot InjuryModerate£12,900 to £23,460Very painful. May lose the use of foot temporarily.
Foot InjuryMinorUp to £12,900Injury is minor but enough to cause pain.
Leg InjuryModerate£26,050 to £36,790Injury may be minor but can cause a lot of pain.
Leg InjurySerious£36,790 to £51,460Minor fracture, causing lots of pain but will heal with time.
Finger InjurySevere FractureUp to £34,480Possible loss of the fractured finger. May be corrected by surgery.
Finger InjuryLoss of Index Finger£11,420 to £17,590Either full amputation of index finger, or partial down to the second knuckle.
Finger InjuryPartial Loss of Finger Function£13,970 to £15,330Loss of use of finger but it is temporary. May be corrected with surgery
Finger InjuryFracture of Index Finger£8,550 to £11,480Fracture 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 get more relevant information regarding your personal injury case.

How to Start an Injury Claim as a Self-Employed Person

Starting a claim as a self-employed person should not be difficult if you have read this guide. We are here to help you and 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.

Additionally, as you wonder, “self employed accident at work can I claim”, we can estimate how much you may 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.

Why Choose Us If You’ve Suffered A Self-Employed Accident At Work?

Claiming for compensation as a self-employed person can be very tricky. Due to their legal experience and knowledge of the law, you may prefer to hire a solicitor to help you build your compensation claim. If you’ve suffered a self employed accident at work, we will be able to help you. 

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 we will handle your case in an entirely professional manner.

Furthermore, we keep our client’s interests 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.

Call for Free Advice and To Start a Claim

When thinking, “can I claim compensation for a self employed accident at work” 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.”

Helpful Links

Self employed accident at work can I claim. Find out How Much You Can 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.

HSE Self-employed workers

This HSE link is all about health and safety for self-employed workers.

Other Personal Injury Claims Guides

Self-employed accident at work, can I claim? FAQs

Can I claim if I am self employed and injured at work?

You may be able to claim if you’ve suffered a self employed accident at work. Your employer has all the same responsibilities to you in providing appropriate 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 client’s property, you should inform them of the accident, so the HR department reports the incident in an accident log book. You must 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 the 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 job caused your symptoms.

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. And it means that a duty of care breach is more quickly identifiable. All of which should help to answer the point, “can I claim compensation for a self employed accident at work?”

This guide set out to answer the question: I am self employed and had an accident at work, can I claim? If you have further questions if you’re a contractor injured at work, please contact us for free legal advice using the above details.

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