
The short version
- Make the area safe and get medical help first.
- Some injuries must be reported under RIDDOR.
- Tell your insurer early and do not admit fault.
Nobody plans for this day. A short checklist helps when your head is spinning.
First: people
- Call 999 if anyone is seriously hurt.
- Make the area safe and stop the work.
- Keep others away from the danger.
Next: evidence
Do this as soon as it is safe, and before things get moved.
- Take photos and video of the scene and equipment.
- Write down the time, weather and who was there.
- Get names and numbers of witnesses.
- Keep any failed equipment. Do not repair or bin it.
- Record it in your accident book.
Check if you must report it
RIDDOR is the legal duty to report certain incidents to HSE. Reportable events include:1
- Any death from a work-related accident.
- Specified injuries to workers, such as fractures other than fingers, thumbs and toes, and amputations.
- Injuries that stop someone doing their normal work for more than seven days. Report these within 15 days.
- Certain occupational diseases.
- Dangerous occurrences, even if nobody was hurt.
- Certain gas incidents.
If someone is off for more than three days but not more than seven, you must record it, but you do not need to report it.1
Call your insurer
Policies normally ask you to tell the insurer promptly. Give the facts. Do not say it was your fault, and do not offer to pay. Let the insurer deal with that.
HSE notes that an employers' liability insurer cannot refuse a claim just because you admitted fault or failed to report it.2 But the policy may let the insurer recover its costs from you if your safety failures led to the claim.2 Follow the conditions either way.
Common questions
What injuries must be reported under RIDDOR?
Work-related deaths, specified injuries such as most fractures and amputations, over-seven-day injuries, certain diseases and dangerous occurrences.
How quickly must an over-seven-day injury be reported?
Within 15 days of the accident, according to HSE.
Sources
- Types of reportable incidents, Health and Safety Executive. Accessed 11 November 2026.
- Employers' Liability (Compulsory Insurance) Act 1969: a brief guide for employers, Health and Safety Executive. Accessed 11 November 2026.
General information only. This is not legal, insurance or financial advice. Your own policy wording decides what is covered.