Personal Accident Insurance

The workplace itself, the nature of machinery in some workplaces, the fact that many jobs might involve driving and, sadly, the fact that some businesses could be targeted by robbers or staff could be assaulted by 'customers' - all of these create the potential for serious incidents.

Of course, one has to look at scenarios like this realistically. According to the most recently available statistics from the Health and Safety Executive, there were 241 fatal accidents in the workplace in the 2006/07 period - these accounted for less than one in 100,000 employed people. Similarly there were 28,267 major injuries, accounting for 107 per 100,000 workers.

The main cause for these deaths and injuries were from a fall from height, incidents involving motor vehicles and injuries caused by falling objects.

When it comes to incidence of robbery and violent attack the picture is not altogether different. According to the British Crime Survey for 2006/07, the risk of becoming a victim of violent crime was 3.6% - however, this applies to all crime, not just in the workplace. However, only 2% of all incidents of robbery required a victim to be treated in hospital.
Risk assessment

Whilst Employers' Liability cover is required by law and protects you in the event that an employee claims against you for an injury incurred during their employment, Personal Accident cover is predominantly a benefit. In the event you or an employee are unable to work due to an injury incurred in the course of employment, Personal Accident cover will make a weekly payment to the individual, or in the unlikely event of death, a lump sum payment to the family. At a time when finances may be short due to the inability to work, this cover can give much needed financial assistance - and that's why many of the business insurance policies from Direct Line for Business include Personal Accident as an optional extra.

We also include in many of our policies as standard, Personal Accident (Assault) cover. This is a similar product to Personal Accident except that the cover is limited to an injury or death as a result of a robbery either actioned or attempted.

To find out about our range of business insurance and those that offer personal accident cover - and to get a quote in minutes - just visit the relevant section of this website.

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Why Should I Hire a Personal Injury Attorney?

Getting seriously injured from an accident due to the negligence of another person requires you to consult your personal injury attorney. This is the only person who can help you taking legal actions against the responsible party. When you decide to hire a lawyer, really know what to do in incidents like this. The lawyers are more familiar with the obscurities of the laws under personal injury. A normal person cannot the case alone because there are mandated laws and complicated issues that are difficult to comprehend without proper legal background.

You hire an injury attorney because he/she knows the law better than you do. He/She is equipped with the right knowledge, training, and experience to know the forwards and backwards of the law. There are instances that your case does not entitle you to get a claim. But with the help of your lawyer, he/she can find ways to make you eligible for the claim. If you qualify for the claim, your lawyer will see to it that you get the highest possible claim.

You hire the personal injury attorney because he/she also knows the insurance law aside from the personal injury law. He/She will be able to identify the relationship of the insurance law to your case. Insurance companies are difficult to deal with because they want to process the claim according to their own benefits. There are times that they will misinterpret the law so that your entitled claim will be reduced. But if you hire a lawyer, you will not be tricked into this setup. Sometimes, the insurance companies will give you conditions that will convince you to accept their compensation. If you have your own lawyer, you will be protected from cheating.

Your lawyer will give you an idea of the possible compensation from various injuries. He/She will be able to assess the exact compensation you must receive. It would be very difficult for you to identify these things especially that you have no legal background at all. Without any knowledge, you do not know what to expect or worst, you may not be paid by the responsible party. Without your lawyer, you will never know whether you are going to receive the right amount or your will get the least possible amount for your claim.

There are times that you and the negligent party cannot agree on the right amount and out of the court cases seem to be very impossible. Since you already have your lawyer, he/she will represent your case in the court proceedings. This is your asset against the insurance companies and responsible party because they will have to pay more especially if you win the case.

All these reasons are very practical and the idea of hiring your personal injury attorney is the only key to outstand the other party. Your lawyer will also make sure that the other party will have their due punishment to compensate for the injuries, damages, sufferings, and pains you experienced. Just remember this always - if you happen to be involved in any form of accident without your fault, immediately contact an experienced lawyer.

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