Are You Eligible To Make A Self Employed Accident at Work Compensation Claim?

By Mark Ainsdale. Last Updated 2nd June 2021. Welcome to our guide, which looks at the question, I am self-employed, and I had an accident while at work, can I claim? Indeed, we cover everything as you think “it’s a self employed accident at work can I claim?” As a self-employed worker, if you suffer an injury while working, you may assume that you have no rights. In fact, there are thousands of self-employed people who have missed out on the compensation they are entitled to because they did not explore whether they could make a claim. They assumed that this was not an option for them. However, you do have rights as a self-employed worker, and you will be able to claim if you have suffered a self-employed accident at work that was not your fault.

self employed accident at work can i claim

self employed accident at work can I claim

Even though you are responsible for your own health and safety as a self-employed worker, there are cases whereby the action that another person has taken or their lack of action could have caused the accident you were involved in. If you can prove that someone else is responsible for what has happened to you, you can most definitely make a compensation claim.

In this guide, you will find out everything you need to know about your rights, as well as the steps you need to take to make a claim. If you’re still asking yourself, “can I claim after my accident at work if I’m self employed?” by the time you have finished reading this guide, you can call us on 0800 073 8801. We would be more than happy to assist you in any way that we can, so please do not hesitate to get in touch.

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A guide to claiming for a self-employed accident

Accidents can happen in any workplace. From construction sites and offices to farms and nightclubs, it does not matter where you work; the potential to be involved in an accident is real. However, as mentioned, individuals working on a self-employed basis often assume that they have no right to make a compensation claim if they have been injured. This is not the truth. It is always about establishing responsibility for what has happened. If someone else has caused the self-employed accident at work that’s happened to you, then you should most definitely claim so that you can get the compensation that you deserve.

In this guide, we will help you to understand what rights you have as a self-employed individual. We will also reveal the different types of claims relating to self-employed people and how to go about them, for example, road traffic accidents, slips, trips, and falls, as well as other work-related incidents. You will also find out how to claim, how much workplace accident compensation you may receive, what you can expect from our service, and much more. This may help as you think, “for a self employed accident at work can I claim?”

Self-employed worker rights

Let’s begin by looking at self-employed worker rights, as this is where the confusion often lies. As a self-employed individual, you may not have the same benefits as fully employed people do. For example, it is unlikely that you are entitled to the same sick days and holiday pay as permanent employees. However, when it comes to health and safety, you do have the same rights. It does not matter whether you are a permanent employee, an agency worker, a full-time worker, or a self-employed individual. You should still expect that the company you are working for will provide you with a healthy and safe workplace and that they will adhere to the regulations that are in place.

Of course, you may have been involved in an accident in the workplace that was not caused by your employer’s negligence or incompetence but rather because of the actions of another work colleague. Naturally, you may question whether “self-employed accident at work can i claim?” Who you make a self-employed accident at work claims against in this situation will depend on the nature of the accident. It could be that you do indeed claim against the worker who caused the incident. However, an employer is responsible for everyone that works at their firm. And so it might be that the company is still actually liable.

The best thing to do is to contact us, and we will be able to shed light on this once we know about the ins and outs of your case. You can also find out more information about your rights as a self-employed individual by visiting the UK government website.

Statistics regarding injuries and accidents for self-employed workers

Many workplace accidents happen throughout the United Kingdom every year. The government has provided statistics regarding this for the 2019 to 2020 period. They have revealed that there were 111 workers killed during this time frame. In the graphs presented below, you can see the fatal injuries based on the worker’s age and the industry that they were working in. You can also see the main types of accidents that have caused a fatal outcome, with being struck by a moving vehicle being the most common reason for fatalities.

The UK government have also provided statistics regarding non-fatal injuries at work throughout Great Britain. For the same period of time, they have stated that 693,000 non-fatal injuries were self-reported by workers, and there were 65,427 non-fatal injuries reported by employers. In the tables below, you will be able to see the number of self-reported injuries regarding how many days were spent off work as a consequence. You can also see the most common types of accidents that resulted in non-fatal injuries, with slips, trips, and falls make up the biggest portion of non-fatal injuries within the United Kingdom.

Self-employed worker injuries and their impact

As you think, “it’s a self employed accident at work can I claim?”, consider the injuries themselves. The impact of an injury often differs from person to person. However, there is no denying that when it comes to self-employed individuals, the effects of workplace injuries are often severe. Because these individuals often do not receive sick pay, suffering an injury can seriously impact their income, their ability to work, and build a business.

This can lead to financial problems for any self-employed unable to workperson, which is why it’s so important to claim so that you can receive compensation to cover the loss of income you have been subject to. If you are wondering can I claim sickness benefit if self-employed, please refer to the contract you have with the company you were working for. It is unlikely you will be able to, but you can claim for this instead.

Important steps if you have suffered a workplace injury

If you have suffered an injury as a self-employed individual, it is important to gather as much evidence as possible. The first thing you need to do is see a medical professional for the accident you have been involved in. This is important for your health, of course, and your claim because the medical report provided, will determine the compensation you received.

Aside from this, you need to report the accident to the company you were working for at the time. This is because all employers are required to have an accident book by law, and so the incident must be recorded in this. This will also help you with your claim because it serves as an official record of what happened. Aside from this, other ways to gather evidence include taking photographs of the scene, taking photographs of your injuries, and getting the contact information of any witnesses.

When you can make a claim for self-employed accidents

For all accident compensation claims, the most important element is always proving that someone else is responsible for what has happened to you. If you can do this, and you can most definitely make a claim. It’s also important that accident happened within the past three years. There are a few exceptions to this rule, for example, industrial illnesses that have taken a while to surface. In such cases, you would be allowed three years from the date of your diagnosis instead. Instead of wondering, “can I claim for an accident at work if I’m self employed”, get in touch with our team today to start the process.

Self-employed slip, trips and falls

As mentioned earlier, slips, trips, and falls are the most common type of non-fatal workplace accidents and injuries within the UK. There are many different ways such an accident can happen, for example, if the person you are working for has failed to maintain the working environment or fell from a height because you did not receive the correct training. We have handled many cases like this and can help you to get the accidents at work compensation you deserve.

Have you been involved in a road traffic accident?

Of course, you can also claim if you have been involved in a road traffic accident and it was not your fault. For example, if you are a self-employed taxi driver and another vehicle crashed into you, you would be able to make a claim. When a self-employed worker gets hurt at work in a road traffic accident, injuries can range from minor to severe, and we can assist with all.

Self-employed injuries at work

As previously stated, you can claim for injuries sustained in the workplace as a self-employed individual. There are several different reasons why you may need to make such a claim. In such cases where someone is self-employed and hurt on the job, one of the following will usually be true:

The business you were working for controls the working processes you need to follow and the environment.

You spent most of your time working at the business, and you were injured while working there.

You work for the company, and their working environment was unsafe, and this is why the accident happened.

If you are unsure whether you can claim your work-related injury when self-employed, please give us a call.

If you’re asking yourself, “how much can I claim for an accident at work if I’m self employed?” or “I had a self employed accident at work can I claim?”, then read on.

How much compensation may you receive for an accident as a self-employed person?

When we speak to a lot of people that have been injured in the workplace, whether self-employed or not, one thing they all want to know is how much compensation they are going to receive. It is important to establish that all personal injury self-employed claims are handled on an individual basis. This is because there are so many different elements to a claim and so many factors to take into account.

For example, not only does the pain and suffering the person has experienced the need to be considered but so does the impact of the injury on the person’s social and professional life, as well as any out of pocket expenses they have been subject to because of the accident. With that in mind, providing anyone with an accurate estimate upfront is not possible. It would help if you did not believe any solicitor the promises you that they are going to secure you a certain amount of money because it does not work like this.

What we can do, though, is give you a good understanding of the average payouts for injuries relating to self-employed accidents. They should give you a good idea of the sort of money you are looking at for your pain and suffering. If you cannot find the injury you have sustained in the table below, please give us a call, and we will be happy to enlighten you on the average payout for that injury.

What part of the body have you injured?How severe was the injury?DescriptionWhat is the typical payout for this type of injury?
FingerFracture of index fingerRecovery within a few weeks, yet serious pain.£8,550 to £11,480
Partial loss of finger functionTemporary loss of use of finger. Surgery may be used to correct this.£11,420 to £17,590
Loss of index fingerIndex finger amputated – either full amputation or down to the second knuckle.Up to £85,170
Severe fractureLoss of the fractured finger is possible, or surgery may be used to correct it.Up to £34,480
LegSeriousMost serious leg injuries short of amputation £90,320 to £127,530
ModerateMultiple fractures or crushing injuries with increased vulnerability to future damage £26,050 to £36,790
FootMinorMinor injury yet enough to cause some pain.Up to £12,900
ModerateUse of foot lost temporarily. Very painful.£12,900 to £23,460
SeriousSurgery often needed to correct the issue.£23,460 to £36,790
SevereLoss of foot is possible.£39,390 to £65,710
Very severePermanent and severe pain and disability or amputation to one or both feet £78,800 to £189,110
ToeModeratePerson will not loss their toe, but will be very painful.Up to £9,010
Full amputationPermanent loss of great toe or all toes£29,380 to £52,620
SevereTemporary loss of use.£9,010 to £12,900

Self-employed accident No Win, No Fee claims

One of the main reasons why our service has become so popular with personal injury victims in the United Kingdom is because of our 100% No Win, No Fee approach. We offer this on all self-employed and subcontractor accident at work claims. Many legal firms claim to offer a No Win, No Fee service, but when you get in touch with them, you find out that this is not the case and that there are several catches and hidden fees involved. You can rest assured that this will never happen when you work with us, as we strictly abide by the No Win, No Fee terms. What does this mean?

For those of you who have never sought legal help before or come into contact with the No Win, No Fee structure, you may be wondering what this actually entails and what it means for you. The No Win, No Fee approach is highly beneficial for the claimant because you will not pay any legal fees if your claim is unsuccessful. If your claim is a success, the legal fees you owe to the solicitor will come directly from the compensation. This will be a percentage that both you and your solicitor have agreed on beforehand. This means that making an accident claim is never going to leave you short of cash.

If you were to use a solicitor that did not follow this payment structure, there is always a great risk that you will have a big legal bill yet no compensation to fund it with. By offering a No Win, No Fee service on all our claims, we ensure that this situation never arises for any of our claimants. Not only this, but several other knock-on benefits are associated with this type of claim. Of course, it makes the solicitors more accountable for the service they provide because their pay will be impacted by the outcome.

This can only be a good thing for you. It also means that there is no time-wasting, and if you do not have a very strong case, our solicitors will be honest and upfront with you rather than stringing you along to take your cash. So, this may be useful as you ponder, “it’s a self employed accident at work, can I claim?”

Why choose Accident Claims UK for your claim?

If you have searched online for personal injury firms for self-employed and subcontractor accident at work claims, you have probably come across several different options. Therefore, you may be wondering why Accident Claims UK is the best choice for you.

There are several different reasons why our service stands out from the rest for all of the right reasons. The first reason why you should choose accident claims UK is, of course, because of our 100% No Win, No Fee approach. This means that you will have nothing to pay if you lose your claim. And unlike other companies that claim to offer a No Win No Fee service yet actually imposed charges if the case is unsuccessful, we stand by our word, and when we say a 100% No Win No Fee agreement, we truly mean it.

Not only is our payment structure beneficial, but our specialist solicitors have up to 30 years of experience. This means that you will be working with somebody who has successfully secured compensation for many clients, time and time before. This should give you peace of mind, as should our exceptional reputation in the industry. You only need to look at what our past clients have had to say about our service, and we are sure that this will put your mind at ease.

You will also benefit from free legal advice when you give us a call. We are always happy to answer any questions that our clients and potential clients may have, and there is no obligation to continue with our service. If that wasn’t enough, we don’t only aim to seek compensation for clients, but we aim to secure the maximum amount every time. We do this by giving you the space to focus on your recovery.

We know that you are going through a difficult time and that you are potentially in a lot of pain physically and emotionally, and that is why we always aim to secure compensation efficiently with as little hassle and stress to you as possible. We truly care about all of our clients, and we always put their health first.

Contact our team today

Hopefully, you now have a better understanding of claiming for a self-employed accident at work. Naturally, you may have more questions, such as ” I had a self-employed accident at work can i claim?” It is vital to recognise that you do have rights, and if someone else is to blame for the accident you were involved in, you probably have a very strong compensation case. The best thing to do is find out by giving the team at Accident Claims UK a call. Our personal injury helpline number is available 24 hours a day, seven days a week, so you can call at any time that is convenient for you.

Call 0800 073 8801 for more information and to speak to one of our friendly advisors. If you are ready to make your claim, they will start the process for you. There are other ways for you to get in touch if you would prefer. You can request a call back using the box on our homepage, and we will ring you as soon as possible. You can also email us at office@accidentclaims.co.uk with any of your questions, for example, if you want to know more about self-employed accident at work claims or payout amounts. We look forward to hearing from you and helping you to get the payout you deserve.

Useful links

HMRC

If you have recently become self-employed, you need to inform HMRC. This link explains how to do so:

Rights as being self-employed

This article explains what rights self-employed people have.

What are my legal rights after an accident at work? 

Our guide to your rights following a workplace accident.

I was assaulted at work- can I claim compensation? 

A guide to claiming after a workplace assault.

Permanent scar compensation claims 

If you’ve been left with a permanent scar after an accident that wasn’t your fault, this guide could help you claim.

“Self employed accident at work can I claim?” FAQs

Can I make a personal injury claim myself?

Nothing is stopping you from representing yourself in a personal injury claim, and there’s no legal requirement for a solicitor to act on your behalf. However, before you decide to take on your accident at work claim yourself, you should consider the benefits that come from having a solicitor handle your claim.

Personal injury solicitors have years of experience in handling personal injury claims and can make sure that you receive the compensation that you deserve for the injuries that you’ve sustained, as well as any out-of-pocket expenses.

How can I make sure I get the compensation I’m entitled to? 

When you’ve been injured in an accident at work, it’s always advised that you go to see a medical professional for treatment. If you’ve been seriously injured, you may need to go to A&E, while minor injuries can be handled at a walk-in centre or your GP. Not only does this make sure that you get the treatment you need for your injuries, but it also creates a record of your injuries which can be used to strengthen your claim down the line.

It’s not just the injuries themselves that will be compensated for in your settlement. Any out-of-pocket expenses that you’ve incurred can also be reimbursed. This can include things like travel expenses if you’re unable to drive, medication and treatment. With more serious and long-lasting injuries, this can also include things like modifications to your house or in-home care.

To make sure that you’re getting all the compensation you deserve, you should keep all bills and receipts for anything you’ve needed to pay for as a result of your injuries.

Do I get paid if I have an accident at work?

You should receive Statutory Sick Pay (SSP), though there’s no requirement to pay your maximum salary for SSP.

Do all accidents at work have to be reported?

Yes, it is a legal requirement for all employers and employees to report any accidents, regardless of severity.

What happens if an accident at work is not reported?

This could lead to the employer receiving a major fine from RIDDOR.

How long do I have to report an accident at work?

The maximum time limit to report an accident and claim the injuries is 3 years.

What rights do I have if I suffer an accident at work?

You have the right to make a compensation claim for your injuries, and also to receive sufficient medical treatment.

Can you get written up for getting hurt at work?

This shouldn’t happen if you’re hurt, but it is important to report any injuries to the management at all times.

Thank you for reading our guide on injury compensation claims. We hope to have successfully answered the question “I’m self-employed and had an accident at work, can I claim?”. We hope that you’ve found it useful. But get in touch using our contact details if you still wonder, “it’s a self employed accident at work can I claim?”