Attacked at a Customer’s Home: When Your Employer Is Liable

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Attacked at a Customer’s Home: When Your Employer Is Liable

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David Healey | Senior Solicitor | April 2026

 

What You Should Know

Being attacked at a customer’s property doesn’t mean you have no case — even if your employer wasn’t in the room.

  • Your employer can be liable for a third-party attack — not just the person who hit you
  • If colleagues had flagged that address as trouble, your employer had warning — and ignored it
  • A missing or inadequate incident log is not your employer’s defence. It is your evidence
  • The three-year clock starts on the day of the attack — and evidence disappears faster than that
  • The fact that you were sent in alone matters. Courts take lone-worker risk seriously

A plumber was sent to a residential property in Hammersmith to carry out a routine central heating survey. Nobody told him about the history of the address. He knocked, introduced himself, and got to work.

 

The tenant’s son blocked the exit. He refused to let the plumber leave until the long-standing heating fault was fixed. He verbally abused him, punched him twice in the face, and slammed the door shut on his dominant hand. The plumber left in a state of shock. He was physically sick when he got back. He did not return to work that day.

 

The claim that followed did not end with action against the man who carried out the assault. It ended with a ruling that the company that employed the plumber was liable — because that company had sent him there alone, had records of aggression at that property, and had done nothing about them. The attack happened in March 2020. The liability judgment came in April 2026, after a four-day trial, and has direct implications for workers in England and Wales who face aggression in the course of their job.

He Was Sent to a Property His Employer Knew Was Dangerous — Can He Really Claim?

The claimant, a 32-year-old plumber, worked for a London heating maintenance contractor that had been outsourced the council’s maintenance contracts. In March 2020 he attended the Hammersmith address to survey the heating system — the seventh engineers’ appointment at that property in just four months. Issues with the radiators were not a new problem.

 

The tenant’s son had grown frustrated. After the plumber called a colleague during the visit and was told to leave, the son physically blocked the door. He punched the plumber twice in the face, then slammed the door on his right dominant hand, crushing it. The claimant was left with nerve damage in his hand. The liability ruling came six years later, at Central London County Court in April 2026.

 

The barrister for the claimant, Helen Nugent, told the court there was a history of aggression and violence at the property. Colleagues who had previously attended had reported being subjected to aggressive language and threats over the quality of work. Those reports had not been properly recorded by the employer. Judge Lawrence Cohen KC found that the past incidents were reported as claimed — but the employer’s system for logging them was, in the judge’s own word, sloppy. The case was reported by national media in April 2026. Full details are available at MSN News.

 

The judge found in favour of the claimant on liability. The ruling covers both the original contracting employer and a second company to which the claimant had transferred in June 2020. Compensation, claimed at up to £200,000, will be assessed at a future hearing. The council itself was cleared — any failure on their part to log incidents was found not to have caused the assault.

But a Member of the Public Did This — Why Is That My Employer’s Problem?

This is the question most workers ask. The person who attacked was not an employee. The employer did not swing the door. So how does the law connect the employer to the harm?

 

The answer is the concept of foreseeable risk. Where an employer is in a position to know that a risk exists — including a risk of violence from a third party — and fails to take reasonable steps to protect their worker, the law holds the employer responsible for the consequences. Three pieces of legislation frame this duty:

Health and Safety at Work Act 1974 — Section 2(1)

Every employer must ensure, so far as is reasonably practicable, the health, safety, and welfare at work of all employees. The duty extends to the working environment — including attending customers’ homes and private addresses.

Management of Health and Safety at Work Regulations 1999

Employers must carry out a suitable and sufficient risk assessment. Where a risk of violence from members of the public is identifiable, the employer must introduce measures to control it — including policies for flagging dangerous addresses.

The lone worker principle

Where a worker is sent alone to a property — residential or commercial — the risk assessment must specifically address the additional vulnerability that arises from having no colleague present. The court accepted this argument directly in the Hammersmith case.

Employer’s Liability (Compulsory Insurance) Act 1969

Employers must hold insurance cover for employee injury claims. This means that even where the employer is a small business, any compensation awarded is funded through the insurer rather than from the business directly.

The barrister for the claimant described him as a “lone front-line worker engaging directly with members of the public in their homes.” The court accepted that a risk of harm was “reasonably foreseeable” in that context. The employer’s failure was not that an attack occurred. It was that an attack was predictable, and the employer had done nothing to reduce the risk of it happening.

The Judge Said the Employer’s Records Were ‘Sloppy’. What Does That Cost Them?

The pivotal finding in this judgment was not just that the employer failed to protect their worker. It was that the employer failed to keep adequate records of the warning signs that existed before the attack.

 

The employer’s position was that previous reports of aggression at the property had not been formally documented. The judge found that the past incidents had been reported by colleagues, as the claimant’s side contended — but the system for recording them was inadequate. The employer could not produce credible logs. That failure of record-keeping, not just the failure of protection, was decisive.

 

If an employer’s incident records are patchy, informal, or missing, they cannot later argue they had no warning of a risk at a particular address. The court looks at what the employer knew or ought to have known. A broken incident log is not a defence. It is evidence that the entire risk management system was broken.

“The judge’s finding on sloppy record-keeping is the most important part of this case for workers considering a claim. The moment an employer fails to properly log a report of aggression and takes no action, they lose their strongest defence. In claims of this kind, the incident log is the first document we ask for.”

David Healey, Senior Solicitor, Carter & Carter Solicitors

What We See in Practice

The incident log is almost always the key document.

In workplace attack claims, the first document to request from the employer is their incident and near-miss log. Employers frequently say that previous complaints at an address were raised informally or verbally noted. That distinction rarely survives scrutiny. If a colleague raised a concern about aggression and no written record was created, the employer cannot credibly maintain they had no warning. Ask for every log, every email chain, and every internal report from the outset. If the employer produces nothing — or produces something that appears to have been created after the event — that absence is itself significant evidence of a failed system.

I Was Attacked at a Customer’s Property — Does Any of This Apply to Me?

It may. A claim against an employer for a third-party attack does not require proof that the employer intended harm. It requires evidence that the risk was foreseeable and that the employer failed to take adequate steps to manage it. These are the questions a solicitor considers when reviewing a workplace attack claim:

1. Was there a history of problems at this address?

Had colleagues reported aggression, threats, or difficult behaviour before? A single prior incident can be enough if it put the employer on notice that a risk existed at that specific location.

2. Were you sent there without a colleague?

A lone worker faces risks a paired worker does not. A risk assessment that does not address lone-working at volatile or high-risk addresses is likely to be inadequate under the Management of Health and Safety at Work Regulations 1999.

3. Did the employer have a process for flagging dangerous addresses?

A flagging system that relies on verbal reports or informal conversations is unlikely to satisfy the law. If no formal system existed, that is part of the evidential picture.

4. What evidence was preserved after the attack?

Medical records, an accident book entry, any RIDDOR report, police records, and witness accounts from colleagues all form the foundation of a claim. Preserve everything and do so promptly — this evidence weakens with time.

Not every workplace attack gives rise to an employer liability claim. Where an attack was entirely unforeseeable and the employer had taken all reasonable precautions, liability is harder to establish. But where known warnings were ignored, where risk assessments were absent or generic, or where a lone-working policy did not exist, the employer’s exposure is substantial.

The Three-Year Time Limit. Act Early.

Under the Limitation Act 1980, a personal injury claim must be started within three years of the date of the accident. For workplace assault claims, that clock starts on the day of the attack.

Three years can feel like a long time. It is not. Incident logs get overwritten. Colleagues move on and become difficult to trace. CCTV footage is deleted. The employer’s records — the very documents that matter most — deteriorate or disappear. The earlier a claim is reviewed by a solicitor, the stronger the evidential position is likely to be.

Which Type of Workplace Accident Applies to Your Situation?

Workplace accident claims cover a range of circumstances. Select the type that matches what happened to you.

What Is the Duty of Care of Employers? →
What the law requires employers to do to keep you safe — and what happens when they don’t
How Much Can You Claim for an Accident at Work? →
Compensation ranges for workplace injuries, explained in plain language
Winning Your Accident at Work Claim →
What makes the difference between a claim that succeeds and one that doesn’t
All Accident at Work Claims →
Not listed above? The main hub covers every type of workplace accident claim in England and Wales
Fay Mccunnell
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“David at Carter & Carter solicitors has been extremely supportive in my claim following an unprovoked attack. He was professional & compassionate when dealing with a very sensitive situation. I can’t thank him enough for the support that was arranged for me in the form of counselling & physio. He helped me get my life back!”

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Attacked at Work? Talk to a Senior Solicitor Today.

Carter & Carter handles workplace assault and injury claims for clients across England and Wales. Every claim is handled personally by a senior solicitor from the first call to settlement. No win, no fee.

0800 652 0586

 

David Healey is a Senior Solicitor at Carter & Carter Solicitors in Whaley Bridge, Derbyshire. Qualified in 2005, David has spent over 21 years helping people injured at work and in public places. Accident at work claims are one of the firm’s four specialist practice areas. Carter & Carter is one of very few firms in England and Wales to publish its fee structure upfront and to handle every claim personally at senior solicitor level from start to finish.



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