Most Construction Site Workers Don’t Have Personal Accident Insurance

Construction site workers are taking a risk by not being covered for injury and illness with a personal accident insurance, according to a survey published by cash plan provider Sovereign Health Care.

Despite the many dangers of this kind of work, building site employers are under no legal obligation to have a staff insurance policy like this in place.

Worryingly, with this in mind, only 34% of construction workers in the UK have a personal insurance package and around 60% are under the misunderstanding that their employers must have insurance organised to cover costs should they fall ill or be injured as a result of their work.

On top of this, one in ten construction site employees were confused about whether or not they had personal injury cover.

Misunderstanding about construction worker insurance protection

Russ Piper, Chief Executive at Sovereign Health Care, said: “Given the obvious dangers of working in the construction industry, the results indicate a worrying ignorance or misunderstanding among respondents about the extent of the protection employers must provide for them if they become ill or injured.

“This is despite a third of the site workers questioned admitting they have had to obtain medical treatment for an injury or illness suffered while working in the sector.

“In addition, 29% said they were concerned or very concerned about the possibility of suffering an industrial injury or illness requiring medical treatment while working in construction in the future.”

Mr Piper believes that construction site employers should invest more in protecting their employees’ health, wellbeing and financial security during illness and injury, despite being under no obligation to do so by law.

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