Won’t a work injury claim leave my employer out of pocket?
All employers and businesses are legally required to have liability insurance, which provides financial cover if there is an accident or property damage. This means if you make an accident at work claim against your employers, any compensation is paid by their insurance company.
As far as many people are concerned their job is much more important than being simply a way of earning a living. People spend a huge majority of their life in work, often making their closest friends and even meeting their partners there. As a result of this, people tend to build up a sense of loyalty towards their employer and, when it comes to making a claim for workplace injury, this sense of kinship can sometimes get in the way.
The first thing to bear in mind is that, if you’ve been injured when carrying out your job, and if this injury was caused by negligence on the part of your employer, then you’ve been badly let down. The people you work for have a duty of care to ensure that the environment in which you work is as safe as it possibly can be, whether that means providing safety equipment, seeing to it that your training is up to date or simply making sure that the corridors and walkways are free from debris. A successful claim of this kind will depend upon demonstrating that this duty of care wasn’t being met, and that the failure resulted in you being hurt or injured.
The other doubt which often stops people pursuing a claim against their employer is the worry that the person they work for is going to be left out of pocket, meaning that any compensation they receive will, in effect, be lifted from their colleagues’ pay packets. The truth of the matter, however, is that any employer will have insurance covering them against a claim of this kind, and it is the insurance company, not the employer, who will be funding any pay out awarded. Indeed, by making a claim of this kind you will be forcing your employer to face up to failings in their procedures and probably saving them money in the long term.