Ladder accidents can be fatal. Those who survive can suffer permanent injuries and chronic pain. Improper placement of ladders, ladder that are faulty and fail, and dangerous actions on the part of other people near the ladder are just some of the ways in which they can happen. Besides falls, ladder pose an electrocution risk. If you have been injured in a ladder accident, you may be able to recover compensation for your injuries. If you were injured on the job, Worker’s Compensation is the first type of claim to consider, and you may have other claims as well.
Ladder Accident Compensation
If you are injured in a ladder accident, there are several possible avenues of compensation depending on why you were using a ladder, what type of location and whether the ladder was defective. Examples include:
- Workers’ Compensation
- Third-party claim if you were injured on-the-job
- Property or homeowner’s insurance
- Product liability suit
Workers’ Compensation and Other Remedies for Injured Workers
If you were injured on the job, and are an employee, filing a Workers’ Compensation claim should be the first thing that you do. It doesn’t matter if you normally use a ladder at work or not. If you are an office worker and had to use a ladder to access or store a box of supplies on a high shelf, that’s a work injury. You don’t have to prove fault to receive Workers’ Compensation, and you can start receiving benefits quickly, but they are limited.
As an injured worker you may have a claim against a third party. For instance, if you were working on a construction site and someone from another company caused your accident, you would have a claim against that company even if you are receiving Workers’ Compensation. If you are not eligible for Workers’ Compensation, you can sue the person, company or organization you were working for, if your accident was the result of their negligence.
Of course, if your injuries were caused by a defective ladder, you can pursue compensation through a product liability lawsuit against the manufacturer or seller of the ladder.