You will be logged off in  seconds due to inactivity and risk losing your quote. Click here to continue using this web page.

The top accidents to watch out for on-site

Rhino Trade Insurance 25 December 2022

According to figures released by the UK Health and Safety Executive, a variety of accidents and work-related injuries were recorded in the construction industry during 2021.  

Rhino is here to offer protection against accidents and injuries on-site and highlight some of the leading proponents and what to look out for when working your trade. 

Defining Work-related injuries

Work-related injuries are defined as avoidable accidents that happen on-site and result in an injury to the tradesperson. 

In 2021 alone, there were 59,000 cases of accidents in the trades. Some needed time off, and others didn't.

To avoid any worry or doubt, Rhino Trade Insurance offers Personal Accident Insurance that protects you in the event of an accident that keeps you off the tools. Making sure you are financially covered makes business sense, and this cover grants you a lump sum payment to protect your business costs and salary.

Defining work-related ill health

Work-related ill health is defined differently from work-related injuries. These are illnesses down to the work you do, not an accident. 78,000 construction workers reported suffering from work-related ill health in 2021. A staggering 53% was down to musculoskeletal disorders, which is significantly higher than all other industries. This includes:

  • Back pain
  • Joint pain
  • Bone pain
  • Muscle pain

Tradespeople needing time off

People have accidents and get ill in the trades. It's only natural with the risks posed by the work you do. However, some accidents have consequences, such as needing time off, and for those who are self-employed, that can hit you straight in the back pocket. 

Of the 59,000 tradespeople who suffered a non-fatal injury in 2021, 39% needed three or more days off work. That equates to just over 23,000 people. Similarly, 26% required seven or more days off the tools (which is just over 15,000 people). 

It's worth pointing out that Rhino's Personal Accident Insurance also covers you even if you pick up an injury outside work. Play five-a-side once a week or rugby at the weekends? Our insurance covers you for injuries and bumps which keep you off work.

The most common accidents on-site

There is a running theme regarding accidents on-site and the injuries they cause. The top areas that people suffered from an accident included:

  1. Slips, trips and falls.
  2. Falls from height.
  3. Injury caused whilst lifting or carrying. 
  4. Being hit by a moving or flying object. 

Why Choose Rhino Trade Insurance?

As a self-employed tradesman or woman in the UK, your best course of action is to have a fully comprehensive piece of insurance to protect you on a rainy day. 

Rhino Trade Insurance excellent Public Liability Insurance tailored to individual trades, which you can then build upon with extra pieces of cover for your tools, accidents and more

Please find out more by calling our lovely UK team on 0116 243 7904 or get a quick and easy quote here.

What will happen if my builder isn’t insured and something goes wrong?
What will happen if my builder isn’t insured and something goes wrong?

Rhino Trade Insurance 03 February 2023

When you have building work done on your home, there is always a possibility that damage or injury can be caused. Trade insurers like Rhino Trade Insurance know about this and regularly share content encouraging tradespeople to have the right cover before stepping foot on-site. 

Read more

What’s the difference between a Joiner and a Carpenter?
What’s the difference between a Joiner and a Carpenter?

Rhino Trade Insurance 02 February 2023

The basic understanding we have is that both of these professions work with wood. But what are the main distinctions, the trades characteristics, and the types of insurance available to them? While there is a certain level of cross-over in these trades, let's better understand the main differences between Joiners and Carpenters.

Read more

Supporting Local Tradesmen: How to Find and Hire Quality Professionals in Your Community
Supporting Local Tradesmen: How to Find and Hire Quality Professionals in Your Community

Rhino Trade Insurance 31 January 2023

For anyone who is a fan of the show 'Cowboy Builders', you'll know that there are some horror stories out there. Most tradesmen and women are dedicated, dependable and will work really hard for you. It's the bad apples we want to help you avoid. 

Read more


Our team of experts are available to talk to Mon-Fri 08.30-17.30 and Sat 10.00-14.00

online chat

Our team are online during office hours. Send a message if you have a query.


Call our team of experts during the office hours noted above.


No problem. Fill in our quick form and let us know when’s a good time for you.