Last Updated on May 15, 2025 by tanya

Contractor Injured at Work

 

When Can You File a Personal Injury Claim?

 

If you’re a contractor injured at work, it’s unlikely that you are covered by your client’s workers’ compensation. Contractors may often mistakenly believe they have no recourse if they are injured in a workplace. However, you may still be able to file a personal injury claim if your injury was caused through someone else’s negligence or unsafe conditions.

It is true that independent contractors often face unique challenges when seeking compensation for work-related harm. But your clients still must legally adhere to health and safety regulations and provide a safe working environment.

If you are working as a contractor and have suffered harm through no fault of your own, you may want to find out more about filing a personal injury claim. You will have to be able to show that your injury is directly linked to negligence of the other party.

First Personal Injury can help as we partner with lawyers who are highly experienced in work-related injuries and who work on a ‘No Win, No Fee’ basis. This mean you don’t pay unless you win your case.

 

Can Contractors File a Personal Injury Claim for a Work Injury?

If you are self-employed, this will depend on the circumstances around your accident. While you will not be covered by insurance available to permanent employees, you may have legal options through a personal injury claim.

Consider whether the following caused your injury:

 

• The negligence of another party (e.g., property owner, site manager, subcontractor)
• Faulty equipment or machinery
• Unsafe working conditions
• Failure to adhere to health and safety laws

 

Additionally, a personal injury claim allows you to recover full compensation for both economic and non-economic losses. This is unlike workmen’s comp and may include medical expenses, lost income, and pain and suffering.

 

When Can You File a Personal Injury Claim?

To determine whether you have grounds for a personal injury claim, here are a few examples of when a claim may be viable:

 

1. Was the injury caused by someone else’s negligence?

If your injury was caused by the recklessness or carelessness of a third party, you may be eligible to file a claim. For example, if a site supervisor failed to secure scaffolding properly, and you fell as a result, you may have a valid case.

 

2. Were you working in a hazardous or unsafe environment?

Construction sites and industrial jobs often come with inherent risks. But employers and clients still have a legal obligation to ensure a safe working environment. Failure to meet safety standards, such as providing personal protective equipment (PPE), can open them up to liability.

 

3. Is there a time limit to making a claim?

Generally, you must file a personal injury claim within three years from the date of the accident.

 

Common Injuries Sustained by Contractors at Work

Workplace injuries among contractors are common, especially in high-risk industries which may involve working at height, with electricity or with power tools. Here are some of the most frequent types of injuries:

 

Falls from Heights

Falls from ladders, scaffolds, or rooftops are among the leading causes of serious injuries on job sites. They may result in:

• Broken bones
• Spinal cord injuries
• Traumatic brain injuries (TBIs)

 

Crush Injuries and Being Struck by Objects

Contractors may often work around heavy machinery and falling materials. These hazards can lead to:

• Internal organ damage
• Crushed limbs
• Severe lacerations

 

Electrocution

Electrical contractors or those working near live wires are at high risk for:

• Burns
• Cardiac arrest
• Nerve damage

 

Repetitive Strain Injuries (RSIs)

Even routine, repetitive tasks working on different sites can lead to long-term injuries such as:

• Tendonitis
• Carpal tunnel syndrome
• Back and neck problems

 

Chemical Exposure

Contractors exposed to hazardous chemicals may suffer from:

• Respiratory issues
• Skin conditions
• Long-term illnesses like cancer

 

Step-by-Step Guide to Filing a Personal Injury Claim as a Contractor

Filing a personal injury claim involves various steps:

 

Step 1: Seek Medical Attention Immediately

Your health should always be your top priority. Get treated right away and ensure all injuries are documented by medical professionals. These records will be essential for  your case.#

 

Step 2: Report the Incident

Notify the site supervisor, client, or general contractor of the injury as soon as possible. Ensure that you ask for a copy of the incident report, and take note of any witnesses.

 

Step 3: Gather Evidence

Start collecting evidence immediately:

 

• Take photos or videos of the accident scene
• Save damaged equipment or tools
• Obtain contact information for any witnesses
• Keep notes detailing your pain, recovery process, and missed work

 

Step 4: Consult a Personal Injury Lawyer

A lawyer experienced in contractor injury claims can help evaluate your case and determine if third-party liability exists. Many cases are settled outside of court through negotiation or mediation. It is only when an agreement is reached, that the matter may go to court.

 

What Compensation Can Contractors Receive?

Compensation is generally based  on the severity of your injuries and the impact on your health. Your personal injury lawyer will be able to advise you on a potential compensation amount. However, if your claim is successful, you may be entitled to compensation which includes:

 

• Medical expenses (past and future)
• Lost wages and reduced earning capacity
• Pain and suffering

A personal injury claim can provide full financial recovery.

 

Why You Shouldn’t Delay Filing Your Claim

Delays can weaken your case by:

 

• Allowing evidence to disappear
• Letting witnesses forget details
• Jeopardising your legal deadlines (three years)

 

‘No Win, No Fee’ Compensation Claim

If your injury resulted from negligence or unsafe conditions, filing a personal injury claim could provide the compensation you deserve

At First Personal Injury, we specialise in supporting individuals affected by workplace illnesses and accidents. We work with experienced lawyers who operate on a ‘No Win, No Fee’ basis.

To start the claims process, contact us today by calling 0333 358 2345 or contact us online for a confidential discussion about your potential claim.