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Workingmen's Compensation Insurance
Workingmen’s compensation insurance is a scheme to assist and compensate workers should they suffer injury or illness through their employment.
The term “workingmen” is a bit of misnomer as the concept applies to all workers, regardless of gender.
All workers have rights to compensation should their health suffer because of activities at their workplace, providing they can prove that someone – usually their employer – is culpable.
Often there is statutory protection, but employees can also seek to insure themselves against workplace injury or illness.
The concept of this kind of insurance differs from country to country. In both Australia and in the United States it is used as a tool where workers can claim damages without resorting to law.
The situation is somewhat different in the United Kingdom where there is no comparable worker's scheme aimed at keeping cases out of the courts.
In Britain there is an obligation on companies employing more than three people to take out employers’ liability insurance. This enables British employees to sue their employer directly for damages, often through a no win no fee scheme, requiring the employment of lawyers and use of the nation's civil court system.
To prove an employers’ liability in any compensation claim for injury at work, the claimant needs to prove several things. These include that the employer failed to provide adequate equipment in the workplace, or that the claimant had been given inadequate training to perform that task in the first place.
Workplaces have strict rules determine how they should operate. In Britain these are governed by the various Health and Safety Laws, and if an employer’s is in breach of these regulations, he leaves himself open to legal action.
Should a worker suffer injury and illness because of his employers’ failure to meet Health and Safety standards he can commence the battle for compensation by either contacting his trade union or by contacting a claims expert who can help pursue the case. If you have suffered an accident or injury because of a health and safety lapse on the part of your employer, why not contact us via the question box and we’ll reply within an hour to let you know where you stand.
Workers can get extra protection against the prospect of financial hardship following an accident at work via their trade union's workingmen’s compensation insurance or by buying private cover.
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