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Accident in office

My sister operates a small accounting practice, with 2 staff. A month ago, one of her visiting clients slipped in the office and bruised himself badly. He has now asked my sister for a copy of the accident report which she made. Needless to say, there was no such report. Should there have been, and, if so, is the individual entitled to demand a copy?

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Yes
Not really an accounting question its a legal one so this isn't really the site for it but yes there should have been a report. All businesses as a legal requirement must record all accidents no matter how small for both employees and visitors, businesses with 10 or more employees must have a formal accident record book. I would think he is entitled to a copy not only for any claim he may make against your sister's practice but also under the data protection act as it is (should've been) in writing and it relates to him. Your sister should contact her public liability insurance provider as it looks like he is going to make a claim against her and not having a written report produced at the time may not bode well, depending on their terms she may not be covered, if she doesn't have public liability insurance she could be in real trouble with or without a report

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Are you sure public liablity insurance (PII) covers accidents? I thought it was for professional cockups only. This would normally be covered by commercial business insurance which contains third party liability for accidents as well as employers liability

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Your thinking of
Professional indemnity insurance which is PII public liability insurance is not PII

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@Bernard

I think you are confusing Public Liability Insurance with Professional Indemnity Insurance.

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Bernard

Professional cockups would be covered by Professional Indemnity insurance.  Public Liability covers such things as accidents to visitors, scaffolders dropping cleats on peoples heads, walls falling on passers-by etc.

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if nothing else surely

If nothing else surely your sister examined what caused the slip in order to prevent a future accident. Was this investiagaion written down or noted in some way? Your sister could generate a statement of facts based on this which would be somewaht more useful than nothing for the PL Insurer.

In the event of a claim the claimant's solicitor will ask for a huge amount of documents to be disclsoed. These are normal for the larger SMEs but perhaps a complete surprise for smaller entities.  

Ensure the PL Insurance broker is aware of what has happened. Then, as soon as the inevitable claim letter arrives pass it on to the broker to ensure that the PL Insrer is oin notice. They will handle it from there.

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Just a lateral

I was once told that my household policy covered me for 'Diverse Activities'.  When I aksed what that meant the answer was that if, for instance, I was practising archery in my garden and shot my neighbour I would be covered.

Comforting to know!

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Practice makes perfect

Richard Willis wrote:

I was once told that my household policy covered me for 'Diverse Activities'.  When I aksed what that meant the answer was that if, for instance, I was practising archery in my garden and shot my neighbour I would be covered.

Comforting to know!

Are you English not still legally required to practice archery on Sunday afternoons in case you want to take another swipe at the French (or the Welsh or the Scots or anyone else that looks at you funny)?

In fact, I seem to recall there are areas on the Welsh border that you can still legally shoot (with a longbow though) as many Welsh as you like between certain hours.

 

 

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Hand me my bow!

Roland195 wrote:

 

In fact, I seem to recall there are areas on the Welsh border that you can still legally shoot (with a longbow though) as many Welsh as you like between certain hours.

 

 

Do you know where - I might hire a minibus (or coach if the demand is high enough) for a TrollsRUs outing :)

I wonder if you could adapt a longbow to fire grenades or anti-tank missiles? It could be a new event in the 2016 Olympics!

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Glad i'm not your neighbour

Richard

Comforting from an accidental point of view, or from a "planning" perspective? :)

D

 

 

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.

Surely your sister DID make a report at the time, its in her drawer. Second one down under the biscuits.

Or is that just me?

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Hehe

"I was visiting my accountant when I slipped on some cheque book stubs and fell.  Injurylawyers4u got me £1,000,000 in compensation and I hadn't even hurt myself!"

#Disclaimer otherlegalparasitesexistandanymentionofspecificlawyersshouldbetakenasanexampleandnotanendorsementofsaidparsite#

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why only a million

I am due more than that and I have not had an accident in the last five years

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