Some people won’t claim against their employer after an accident at work because they think that their boss will have to pay the compensation out of their pocket. They don’t.
By law, as soon as a business takes on employees, it must get Employer’s Liability(EL) insurance. The insurance cover has to be for at least £5 million, and it must be from an authorised insurer.
The reason for this is on the Gov.UK website, as follows:
“EL insurance will help you (employer) pay compensation if an employee is injured or becomes ill because of the work they do for you.”
Employers can be fined £2500 for every day they are not adequately insured.
If you are successful in making a personal injury compensation claim against your employer following an accident at work, the insurers will pay the compensation, not your employers.