Yup, insurance claims are now vetted for such things, in the 1990's I worked for Belling cookers for 3 months, during the training we went round the factory, large metal cutting and pressing machinery with the legally required guarding meant most body parts were intact, however a minority of the operators refused to wear the provided hearing protection, as in the longer term they could claim 'industrial injury' and expect a pay-out from the government at tax payers expense.