Self Employed Work Accident Guide – Can I Claim Compensation For An Accident At Work When Self Employed? – Who Can Claim? – How To Claim?

Have you suffered an accident in the workplace that was not your fault, you may be entitled to compensation. It is an employer’s duty to ensure they provide their employees with a safe working environment. This includes those working on a self-employed basis. Therefore, if an injury arises due to their negligence or error, you may be compensated for your suffering and any costs you have incurred as a result. Needless to say, though, a self-employed person has a different contract compared to those that work on a full-time basis, and this is where the confusion lies when a self-employed worker gets hurt at work, hence why we have put this guide together. Call 0161 696 9685 to find out more, or read the sections below to answer all of your questions on self-employed accidents:

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A Guide To Making An Accident At Work Claim When Self Employed

Self-employed accident at work claims guide

Self-employed accident at work claims guide

There are many accidents that can occur in the workplace. Many people do not pursue claims because they are not aware that the injury they are suffering is due to a workplace injury. Repetitive strain injury (RSI) is an example of an injury that a lot of people do not realise they can claim for. This is when you get pain in your muscles, nerves or tendon because of a repetitive action. This tends to be common for individuals who sit at their desk every day working on the computer. If a medical professional diagnoses you with this injury you may be able to claim.

Let’s take a look at some other examples of workplace accidents that can lead to personal injury claims.

  • Industrial Deafness
  • Product Liability
  • Health and Safety Issues
  • Vibration White Fingers
  • Construction Accidents

So, what do you do if you have suffered from a workplace accident and want to explore your options further? Get in touch with Advice.co.uk. We are one of the leading firms in the UK and have a legal helpline available. You can call this number at any time that is suitable for you. But first, here is more information provided for you to find out everything you need to know if you have had an accident at work when self employed.

In this guide, we will reveal everything you need to know when it comes to self employed worker rights. We will answer key questions. This includes: Do self employed have any rights? Does employment law apply to self employed? Do you have to work a week in hand if self employed? Can I be self employed and still work for an employer? If you have any further queries by the time you get to the end of this guide, please do not hesitate to get in touch.

What Is A Self Employed Accident At Work Claim?

Sadly, there are thousands of people situated all over the United Kingdom who are, or would have been, entitled to compensation yet have never claimed for it. One of the main reasons for this is because individuals simply did not know they had a case to begin with. This is especially the case when it comes to self employed people.

The term ‘personal injury’ is extremely generic. If you ask a bunch of people what this phrase means, you can rest assured you will get a wealth of different answers. In fact, a lot of people simply assume it relates to slips and trips because this is what the majority of personal injury cases is advertised on television tend to show. However, it encompasses a lot more than that.

What can constitute as a personal injury?

There are a whole host of incidents that count as a personal injury or accident at work, this can be anything from construction accidents, vibration white finger and industrial deafness in the workplace, to road traffic accidents in the workplace. The list is well and truly endless. The only thing you need to ask yourself is the following…

  1. Was the injury my fault?
  2. Did the injury occur within the past three years?
  3. Did you receive medical attention? (varies)

This is what you will generally be asked to prove when you are making a personal injury claim. Three years is typically the personal injury claims time limit, but there are some exceptions, which we will discuss later in this guide, so do keep this in mind.

How Much Can Self Employed People Claim For Accidents At Work?

Before delving into numbers, it is imperative to state that each and every case is different. If you want exact figures you should ring Advice.co.uk on our free legal helpline. One of our advisors will give you the information you are looking for. Nonetheless, below, we have compiled the  payout figures for some of the most common injuries sustained in the workplace. This should give you a good understanding. It is more accurate than using a personal injury claims calculator, as the figures are produced by the Judicial Court Guidance.

What injury have you suffered?How severe was it?Average payout amount
Work-related Upper Limb DisordersContinuing bilateral disability with surgery and loss of employment.£19,210 to £20,280
Work-related Upper Limb DisordersContinuing, but fluctuating and unilateral symptoms.£13,080 to £14,330
Work-related Upper Limb DisordersSymptoms resolving in the course of up to three years.£7,580 to £9,430
Work-related Upper Limb DisordersComplete recovery within a short period£1,930 to £3,090
Vibration White Finger (VWF) and/or Hand Arm Vibration Syndrome (HAVS)Most Serious£27,740 to £33,700
Vibration White Finger (VWF) and/or Hand Arm Vibration Syndrome (HAVS)Serious£14,690 to £27,740
Vibration White Finger (VWF) and/or Hand Arm Vibration Syndrome (HAVS)Moderate£7,580 to £14,690
Vibration White Finger (VWF) and/or Hand Arm Vibration Syndrome (HAVS)Minor£2,620 to £7,580

How Do We Calculate Compensation For Self Employed Workplace Accident Claims?

The individual circumstances of your case play a huge role in determining the amount you will receive. A number of different factors are considered, and this includes the following:

General damages

The amount calculated for the actual injury and your suffering because of it.

Special Damages

  • Your earnings lost and the amount of time you have had off work
  • Accommodation and travel expenses
  • Changes required to your car or home
  • Changes to your ability to work
  • Future loss of income
  • Any other costs you have sustained because of what has happened

What Could The Long Term Effects Of Workplace Injuries To Self Employed People Be?

As mentioned earlier in this guide, there are so many different accidents and injuries that can happen in the workplace if you are self employed but working for an employer. When we refer to long-term effects, this does not merely refer to the physical injuries. Of course, some people sustain injuries that impact them in terms of mobility and pain for the rest of their life. However, there are also psychological injuries, which are taken into account too. Not only this, but some people are left unable to work again because of what has happened to them.

Statistics And Facts Around Self Employed Workplace Injuries

Over the past ten years, the injury rate for employees to self-employed is roughly 2:1. However, the self-employed workforce is growing at a rapid pace, and so it is likely that we will see injuries increase considerably.

What Is The Difference Between An Employee, A Worker And Being Self Employed?

There are four factors that will determine your work status. These are as follows:

  • Economic reality – the extent to which the financial risk is burdened by the individual
  • Mutuality of obligations – the extent to which the employer must provide the individual work
  • Integration – the extent to which the person is part of the business
  • Control – the extent to which the employer determines what tasks the person does and how they do them

Self Employed Workplace Employment Rights

Just because you are self-employed does not mean you forfeit all workplace rights. You have a right to a healthy and safe work environment, as outlined in the Health and Safety at work Act 1974. You also have a right to work without discrimination. This means you cannot be discriminated due to…

  • Age
  • Sex
  • Gender reassignment
  • Sexual orientation
  • Belief, religion, or lack thereof
  • Race
  • Disability
  • Maternity or pregnancy
  • Being married or in a civil partnership

Health And Safety Workplace Protections

As per the Health and Safety at Work Act 1974, it is the duty of your employer to provide a safe and healthy working environment. If you work for someone on a self-employed basis, for example, you are self employed but working for one company, you should still expect to be in an environment that is deemed safe and healthy. Nevertheless, you also have a duty to assess the risks and to only work if you believe it is safe to do so. This is why it is wise to have an understanding of the work environment overall. However, if you have been injured because an employer has not upheld their duty of care, you can make a claim.

Can Self Employed Workers Be Claimed Against If They Cause Accidents In The Workplace?

If you cause the accident that has happened, you will not be able to make a claim. However, if you were partially to blame, then you can claim, although the amount of money you receive will likely be lower to reflect your involvement. If you are responsible for an accident due to negligence and a person is injured, it is possible for a claim to be brought.

What Can Self Employed People Claim For Accidents At Work?

When making a claim, you will be able to claim money for the injuries you have sustained, as well as any out-of-pocket expenses. Some examples of the latter include…

  • Loss of income
  • Future loss of income
  • Care costs
  • Medical costs
  • Counselling expenses
  • Childcare costs
  • Travel expenses
  • Home and car adaption costs

Self Employed Workplace Slip And Fall Claims

There is no denying that slips, trips, and falls are some of the most common types of accidents sustained. You will be able to claim if the reason for your slip, trip or fall is because the work environment was made unsafe by a third party. From faulty equipment to wet surfaces, there are many different reasons why this could be the case.

Self Employed Workplace Road Traffic Accident Claims

Another type of claim that we have a lot of experience in is road traffic accident claims. There are many different reasons why you could be making such a claim, for example, perhaps the third party driver was negligent. Despite the fact that you are employed on a self-employed basis, you could still make a claim.

How Long Do Self Employed Workplace Accident Claims Take?

Cases such as workplace accidents can take all different lengths of times as all cases are different. As mentioned earlier, when making a claim, one of the most important things you need to do is claim quickly because there is a time limit in place. You can find more information about these limits in the table below.

CircumstancesTime limit
Workplace accident3 years from the accident or date of knowledge of the injury
Workplace illness or any other injury that has happened over time3 years from the diagnosis
Workplace accident involving a crime2 years from the accident (may vary please call our team)

How To Begin A Self Employed Work Injury Claim

Self employed work injury claim

Self employed work injury claim

If you have suffered an injury that was not your fault while working for someone on a self employed basis, you are likely to be entitled to compensation. In order to help your case and ensure a personal injury solicitor that you work with has the best chance of winning your claim, follow these five tips…

Seek Medical Attention

It is imperative to receive medical attention this will help in the long run to achieve a successful claim. This is true for all cases, no matter how minor your injuries may seem. Many people tend to only go to the hospital if it is an emergency, and so they simply get on with it if the injury isn’t significant. Yet, it will be difficult to make a personal injury claim if there is no record of you seeking medical attention.

Report the Accident

If you have experienced an accident in the workplace one of the most important things you need to make sure you do is report it in the correct manner. This is imperative to ensure the outcome of your case is a success. Moreover, it ensures that everything runs smoothly with your employer, whom you will be claiming against. If you do not approach things by the correct channels you will undoubtedly experience issues further down the line.

Your employer is required by law to ensure they keep a record of all accidents that occur in the workplace. This legislation is known as RIDDOR: Reporting of Injuries, Diseases and Dangerous Occurrences Regulations. This law requires all employers to keep a record of the following…

– Dangerous occurrences, i.e. any accidents that have occurred with the potential to harm

– Cases of industrial diseases

– Any workplace accidents that have resulted in someone experiencing a serious injury

– Any deaths that have occurred because of work-related incidents

Consequently, if you have been involved in a workplace accident it is imperative to ensure you report it to your manager or safety representative so that they can record it in the accident book. Moreover, if you fail to do this, you will then struggle when it comes to making a claim.

Use a No Win, No Fee Solicitor

The benefits of using a No Win, No Fee solicitor are widespread. Firstly, financial risk is eliminated. After all, you don’t pay a penny if your case does not win. You also don’t need any cash to begin your claim. Moreover, you are guaranteed to benefit from a top rate service if you go down this route.

Make Your Claim as Quickly as Possible

Unfortunately, there is a time limit when it comes to personal injury cases. Generally, you have three years to make a claim, but as explained, this can differ.

Keep Details of Damages and Expenses Occurred

Not only will you receive compensation for your injury, but also any damages and money losses you experienced as a result. For example, you may have experienced a loss of income because of your injuries. Thus, it is vital to keep track of this.

Get Witness Details

Immediately after an incident has occurred it can be very difficult to think clearly, as shock has kicked in. However, if there are witnesses, this will help your case dramatically by acquiring their details.

No Win No Fee Claims For An Accident At Work When Self Employed

When you work with an Advice.co.uk provided personal injury lawyer, you can be confident of a No WIn, No Fee service. What does this mean?

  • You will only pay legal fees if compensation is successfully secured for you
  • This eliminates financial risk, as making a claim will never leave you out of pocket
  • You can be confident of a much better service, as the solicitor will be accountable for the service they provide
  • Your solicitor will never waste your time – they only take on valid cases that have a real chance of a payout

Why You Should Claim With Our Experts

There are many firms in the UK, so you may be wondering why we are the right option for you. There are a number of different reasons why this is the case. Not only are we experienced, but we make the claims process as easy as possible. You can see this via the simple three-step procedure we have in place. We are also delighted to have a great reputation too. All you need to do is read reviews that have been left by past clients to see that this is the case.

Contact our team by email, phone, or post.Our team will assess your claim.Once you are ready, we can then start your claim.

How To Contact Our Advisors

If you are ready to make a claim, or you have any further questions, please do not hesitate to give us a call on 0161 696 9685. We will start the claims process for you, or we can simply answer your queries if you have any questions relating to self employed accident at work claims. Our helpline is open seven days a week, from 9 am until 9 pm, so please call at any time that is convenient for you. Alternatively, you can enter your details on our website and we will call you back at the earliest opportunity.

Resources And Advice For The Self Employed

Accident At Work Compensation Claims Guide

Find out if you are eligible to make a accident at work and get free legal advice

GOV – Self-employed – What the government says about being self-employed.

RSI – NHS – More about RSI.

Edited by Melissa.