From an insurance point of view, what happens when it is the worker who puts himself in danger? — Inese

Every day last year, 1,137 people suffered an accident at work in Spain.

work accidents they took the lives of 705 people, three less than in 2020, according to data advanced by the Ministry of Labor and Social Economy a few days ago. From them, 575 died on the job while the rest, 130, they did it on the way towards your job.

But, beyond the figures (which are still serious), it is especially compliance with safety regulations during work activity is relevant. If the accident occurs, the investigation will lead, where appropriate, to the identification of breaches in terms of safety and health, matters in which it can be considered that our legal system covers all the possible consequences, both administrative and penal.

On this occasion, the Forum on Occupational Accidents, which organizes INESE next March 10, It will be focused on the obligation that compliance workers also have in terms of risk prevention. From that point of view, The consequences of the unsafe act of the worker and what is legally called his “self-endangerment” will be analyzed.

And, since the repair of the damage caused is regulated in detail, the possible concurrence of employer/employee responsibilitiesyou will also have your impact on the quantification of compensation.

In addition, it will address quasi-objective responsibility of the Benefit Surcharge, which entails its imposition even in cases of the existence of professional negligence of the worker and that is a non-insurable figure today. Ending with the analysis of how the costs of accident investigation and defense could be assumed regarding the imposition of the Benefit Surcharge, given the importance that this figure entails for the imposition of Civil Liability.

The program for this day was designed by Marta Checa, lawyer specializing in Labor Accidents and director of Checa Abogados, and the lawyer and director of the RC Bulletin of INESE, Santiago Martínwho will act as host and moderator of the experts who will attend this hybrid event that will take place at the INESE headquarters in Madrid (with limited capacity) and that can also be followed in webinar format.

More information on the Forum on Occupational Accidents

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