Does having a company-sponsored “personal injury plan” invalidate a claim against the company for industrial injury compensation, and if so, why?
I imagine that the type of plan you’re referring to insures you generally against injury that keeps you off work, and also perhaps protects your employer from losses incurred by your absence. However the plan won’t protect your employer against negligence on his part (he or she will have to take out a different insurance for that) and won’t stop you bringing a claim in such circumstances. What’s more, any damages you might be awarded as a result of such a claim will not be reduced because you have such a plan in place as long as you were responsible for paying the premiums.