Cover the thing that would close you: 10 AI skills for insurance and risk

accident-book

record an incident the way the law and the insurer both need

How the two work together

Claude thinks it through. Paste the Claude prompt into Claude Code, or drop the folder into your skills folder. Claude does the judgement: what to look for, what is worth doing, what is right.

Codex gets it done. At the hand-off point Claude runs Codex on your machine with one command and passes it the Codex prompt. Codex does the mechanical part and hands the result back. Claude checks it before you see it.

No API key to set up: Claude calls the Codex you already have installed. If Codex is not installed, Claude does that half itself and tells you.

Prompt for Claude

---
name: accident-book
description: Builds the accident record a hospitality employer is legally required to keep, decides which entries also trigger a RIDDOR report to HSE and by when, and handles the health data inside the record under GDPR, handing the finished register to this pack's own employers-liability and claim-evidence skills rather than repeating them. Use when you have never kept an accident book, do not know which injuries must be reported to HSE, or are not sure who may read an entry.
---

# The record the law makes you keep, the report it sometimes sends, and who may read either

You give this your staff count, every accident or near miss with its date and description, who recorded it and where it sits. You get back an accident register, a RIDDOR reportability decision for each entry with its deadline, a submission list, and a data protection note on who may read an entry. It will not decide a disputed cause of injury, and it hands the register to this pack's employers-liability and claim-evidence skills rather than repeating them.

## What it does

1. **Confirm the record duty against headcount, and keep the record regardless.** Regulation 25(3) of the Social Security (Claims and Payments) Regulations 1979 requires employers of "10 or more persons... at the same time on or about the same premises" to keep an accessible accident record for at least three years. Below that number, keep one anyway.

2. **Log each accident as it happens, before any reportability decision.** Date, location, who was hurt, what happened, who wrote it. An entry amended later to fit a decision is worthless, and this log, not the RIDDOR form, is what an employers' liability claim is tested against.

3. **Classify against RIDDOR's named specified injuries and the over-7-day category.** Regulation 4(1) lists fractures other than to a finger, thumb or toe, amputation, loss of sight, crush injury to the head or torso, burns over 10% of the body, scalping needing hospital treatment, loss of consciousness, and enclosed-space injury needing 24-hour admission. The over-7-day duty applies where a worker cannot do normal duties for more than 7 consecutive days, excluding the accident day.

4. **Classify dangerous occurrences and apply RIDDOR's own notification timescale.** Relevant occurrences include release of 10kg or more of flammable gas and an electrical fire stopping the premises for over 24 hours. Schedule 1 requires notification without delay, then a written report within 10 days, for deaths, specified injuries and dangerous occurrences; a disease is notified without delay from the date of written diagnosis.

5. **Treat every entry as special category health data, and name who may read it.** The Data Protection Act 2018's employment condition requires the processing to be necessary for an employment-related obligation and a policy document to exist. The ICO says an employer can likely rely on legitimate interests or legal obligation, not consent, and must keep records secure and apart from ordinary absence data. List every role permitted to open the register.

6. **Hand the mechanical work to Codex and keep the judgement here.** Run, from the folder holding the accident log and staff numbers:

   ```
   codex exec --sandbox danger-full-access --skip-git-repo-check -C "<working folder>" - < CODEX.md
   ```

   Claude hands over the log, the headcount, and the owner's classification of each entry. Codex returns the register, the decision table, the deadline list and the data note. Codex decides no classification itself.

## Then it checks

1. Every log entry is dated, named and written before any RIDDOR classification.
2. Every entry carries a named RIDDOR category and regulation or schedule number, or is marked not reportable.
3. Every reportable entry carries its correct deadline and due date.
4. The record-duty threshold is stated against the actual headcount tested.
5. The data note names the lawful basis, security measure and readers.

Any check fails: name it, redo that step once. Failed twice: say what is wrong and stop.

## Rules
- Public information only.
- Never invent a fact, a number or a quote.
- Anything sent in someone's name says whose name it is.
- Never invent a RIDDOR deadline or category not named in the regulations.
- Never decide whether an injury arose out of work; mark disputed cases for the adviser.
- Never submit a RIDDOR report; the responsible person submits it through HSE's own service.
- Never process a health entry without a named lawful basis and security measure.
- This output is a working document for the owner's own health and safety adviser or solicitor, and for HSE where due. It is not a submission and not a data protection audit.

## Built from
- RIDDOR 2013, SI 2013/1471, regulation 4, https://www.legislation.gov.uk/uksi/2013/1471/regulation/4/made, read 14 October 2026: specified injuries and the 15 day deadline, steps 3.
- RIDDOR 2013, SI 2013/1471, Schedule 1, https://www.legislation.gov.uk/uksi/2013/1471/schedule/1/made, read 14 October 2026: notification without delay and the 10 day report, step 4.
- RIDDOR 2013, SI 2013/1471, Schedule 2, https://www.legislation.gov.uk/uksi/2013/1471/schedule/2/made, read 14 October 2026: dangerous occurrence categories, step 4.
- HSE, "Types of reportable incidents", https://www.hse.gov.uk/riddor/types-of-reportable-incidents.htm, updated 12 October 2026, read 14 October 2026: the regulator's current wording, steps 3 and 4.
- Social Security (Claims and Payments) Regulations 1979, SI 1979/628, regulation 25, https://www.legislation.gov.uk/uksi/1979/628/regulation/25, read 14 October 2026: the 10-or-more-employee duty and retention, step 1.
- Social Security (Claims and Payments) Regulations 1979, SI 1979/628, regulation 24, https://www.legislation.gov.uk/uksi/1979/628/regulation/24, read 14 October 2026: appropriate particulars defined by Schedule 4, step 1.
- Data Protection Act 2018, Schedule 1, Part 1, paragraph 1, https://www.legislation.gov.uk/ukpga/2018/12/schedule/1/part/1, read 14 October 2026: the employment condition and policy document requirement, step 5.
- ICO, "Information about workers' health", https://ico.org.uk/for-organisations/uk-gdpr-guidance-and-resources/employment/information-about-workers-health/, published 31 August 2023, updated 5 March 2024, read 14 October 2026: the overall framework, step 5.
- ICO, "How do we handle sickness and injury records?", https://ico.org.uk/for-organisations/uk-gdpr-guidance-and-resources/employment/information-about-workers-health/how-do-we-handle-sickness-and-injury-records/, read 14 October 2026: lawful basis and security guidance, step 5.

Prompt for Codex

# accident-book

## You are given
The staff headcount per site. Every accident or near miss log entry as recorded, with its date, time, location, the injured person, what happened, and who wrote it and when. The owner's classification of each entry against the RIDDOR specified injury, over-7-day and dangerous occurrence categories, marked reportable or not with the category name. The date any disease diagnosis was received. The lawful basis, security measure and the roles permitted to read the register. All judgement calls, including every classification, are already made and supplied to you.

## Produce
Write into a `./accident-book-output/` folder:

1. `accident-register.csv` with columns in this order: `entry_ref`, `date_of_accident`, `time`, `location`, `injured_person`, `role`, `description_verbatim`, `recorded_by`, `date_recorded`. `entry_ref` is E001 upward in date order. `description_verbatim` is transcribed exactly as supplied, never paraphrased.
2. `riddor-classification.csv` with columns: `entry_ref`, `reportable`, `category`, `regulation_or_schedule_ref`, `notification_deadline`, `written_report_deadline`, `due_date`. `reportable` is `yes` or `no` exactly as supplied. `category` is one of `specified injury`, `over-7-day incapacitation`, `dangerous occurrence`, `disease`, `not reportable`. Every field for a `yes` row must be filled from the owner's supplied classification; never calculated or inferred by you.
3. `submission-list.md` a numbered list, one line per reportable entry, naming the entry reference, the category, the due date, and the method (quickest practicable means, then a written report) exactly as supplied.
4. `record-duty-check.md` recording, on separate lines: the headcount tested, whether it meets or falls below the regulation 25(3) threshold, and the retention period that applies to entries made.
5. `data-protection-note.md` recording: the lawful basis as supplied, the security measure as supplied, the list of roles permitted to read the register, and a line confirming the register is kept apart from routine personnel files or noting that it is not.
6. `gaps.md` a numbered list of: every entry with no classification supplied; every reportable entry with no due date; every reportable entry with no notification or written report deadline; and any entry where `description_verbatim` appears incomplete against the fields it should contain.

## Rules
- Codex transcribes, classifies against supplied decisions, calculates due dates only from a supplied start date and deadline length, and sorts. It never decides reportability, never decides work-relatedness, never invents a category or deadline.
- Never calculate a due date without both a start date and a deadline length supplied. Leave the cell empty and record the gap.
- Never record a lawful basis, security measure or reader list that was not supplied; an unsupplied field is a gap, not an assumption.
- British English, DD Month YYYY dates, no em dashes.
- Every file ends: this is a working document for the owner's own health and safety adviser or solicitor, and for HSE where a report is genuinely due. It is not a RIDDOR submission and not a data protection audit.

## Return
The absolute path of every file written, the row count of each CSV, the count of entries marked reportable by category, the count of entries with no classification supplied, the earliest and latest due date in `submission-list.md`, the record-duty conclusion from `record-duty-check.md`, the lawful basis recorded in `data-protection-note.md`, and the `gaps.md` item count.

Built from the best public work on this

Sources for accident-book

Everything below was opened and read on 14 October 2026.

1. The Reporting of Injuries, Diseases and Dangerous Occurrences Regulations 2013, SI 2013/1471, regulation 4

https://www.legislation.gov.uk/uksi/2013/1471/regulation/4/made, read 14 October 2026.

Regulation 4(1) sets out the specified injuries, opening "Where any person at work, as a result of a work-related accident, suffers" one of a listed set that includes bone fractures (other than to a finger, thumb or toe), amputation, loss or reduction of sight, a crush injury to the head or torso causing damage to the brain or internal organs, burns covering more than 10% of the body, scalping requiring hospital treatment, loss of consciousness caused by head injury or asphyxia, and injury from working in an enclosed space causing hypothermia, heat-induced illness, or requiring resuscitation or admission to hospital for more than 24 hours. Regulation 4(2) sets the over-7-day duty: incapacity for routine work "for more than seven consecutive days" excluding the day of the accident, with the report due "within 15 days of the accident". This is the primary legal source for steps 3 and 4 and is quoted in preference to any secondary summary.

Where the skill departs: regulation 4 also covers non-worker injuries requiring removal to hospital, which a hospitality venue would record under the same categories but which this skill does not separately enumerate, since the classification step applies regardless of whether the injured person is a worker or a visitor.

2. The Reporting of Injuries, Diseases and Dangerous Occurrences Regulations 2013, SI 2013/1471, Schedule 1

https://www.legislation.gov.uk/uksi/2013/1471/schedule/1/made, read 14 October 2026.

This is the source for the notification mechanics in step 5. It requires the responsible person to "notify the relevant enforcing authority of the reportable incident by the quickest practicable means without delay" and then to send a written report "in an approved manner to the relevant enforcing authority within 10 days of the incident". For a disease, the duty is to "send a report of the diagnosis in an approved manner to the relevant enforcing authority without delay", with no further day limit stated on this page.

Where the skill departs: the schedule also prescribes the approved manner of reporting in detail, including the specific online forms HSE operates, which belongs to the owner's own submission process rather than to this skill's classification and deadline output.

3. The Reporting of Injuries, Diseases and Dangerous Occurrences Regulations 2013, SI 2013/1471, Schedule 2

https://www.legislation.gov.uk/uksi/2013/1471/schedule/2/made, read 14 October 2026.

The source for the dangerous occurrence categories used in step 4. Paragraph 26 covers "the unintentional release... of 10 kilograms or more of a flammable gas" inside a building, the relevant LPG category for a venue with a gas supply. Paragraph 4 covers "any explosion or fire caused by an electrical short circuit or overload" stopping plant or suspending normal work for more than 24 hours, or causing a significant risk of death. Paragraph 25 covers an unintentional explosion or fire stopping plant for more than 24 hours more generally, and paragraph 2 covers failure of a pressure vessel.

Where the skill departs: Schedule 2 lists many categories relevant to industrial plant, mining and major infrastructure that have no plausible application to an independent café, restaurant or bar, and only the gas, fire and electrical categories most likely to arise in a hospitality kitchen or cellar are carried into the skill.

4. Health and Safety Executive, "Types of reportable incidents"

https://www.hse.gov.uk/riddor/types-of-reportable-incidents.htm, updated 12 October 2026, read 14 October 2026.

HSE's own current page, updated two days before this skill was built, confirms the regulator's own wording for the over-7-day duty: "Work-related accidents must be reported where they result in an employee (or self-employed person) being away from work, or unable to do their normal work duties, for more than 7 consecutive days as the result of their injury", that "the 7-day period does not include the day of the accident, but does include weekends and rest days", and that "the report must be made within 15 days of the accident". It also restates the specified injuries list in plain language, used alongside the regulation 4(1) text in step 3.

Where the skill departs: the page also covers specified injuries to non-workers and occupational disease categories with their own named conditions (such as certain poisonings and skin conditions), which a kitchen or bar venue is unlikely to encounter and which this skill does not enumerate in full.

5. The Social Security (Claims and Payments) Regulations 1979, SI 1979/628, regulation 25

https://www.legislation.gov.uk/uksi/1979/628/regulation/25, read 14 October 2026.

Regulation 25(3) is the primary legal source for the accident book duty itself, applying to "every employer by whom 10 or more persons are normally employed at the same time on or about the same premises", requiring the employer to keep "readily accessible a means (whether in a book or books or by electronic means)... in a form approved by the Secretary of State" for recording the particulars of accidents causing personal injury, and to retain each record "for at least three years from the date it is entered".

Where the skill departs: regulation 25 also applies the duty separately to owners or occupiers of mines, quarries and premises under the Factories Act 1961, a category this skill does not address since it is built for independent hospitality premises, not industrial sites.

6. The Social Security (Claims and Payments) Regulations 1979, SI 1979/628, regulation 24

https://www.legislation.gov.uk/uksi/1979/628/regulation/24, read 14 October 2026.

Regulation 24(5) defines "appropriate particulars" as "the particulars indicated in Schedule 4 to these regulations". This is cited so the record-duty step in the skill does not imply the accident book's content requirement is undefined; the detail sits in Schedule 4, which was not separately retrieved, and the skill records the particulars actually used by the owner's accident log rather than reconstructing the schedule's list.

Where the skill departs: the full Schedule 4 particulars list was not fetched for this build; the skill instead relies on the owner's own log fields (date, location, injured person, description, recorder) as the practical equivalent, and does not assert that this list is the complete statutory set.

7. Data Protection Act 2018, Schedule 1, Part 1, paragraph 1

https://www.legislation.gov.uk/ukpga/2018/12/schedule/1/part/1, read 14 October 2026.

Paragraph 1(1) sets the employment condition for processing special category data, met where "the processing is necessary for the purposes of performing or exercising obligations or rights... imposed or conferred by law on the controller or the data subject in connection with employment, social security or social protection", and "the controller has an appropriate policy document in place" as described in Part 4 of the Schedule. This is the statutory basis cited in step 6 for treating every accident book entry as a processing activity requiring a named lawful condition, not only a UK GDPR Article 6 basis.

Where the skill departs: Part 4 of Schedule 1, which sets out what the appropriate policy document itself must contain, was not separately fetched, and the skill records that a policy document exists or is missing rather than assessing its contents.

8. Information Commissioner's Office, "Information about workers' health"

https://ico.org.uk/for-organisations/uk-gdpr-guidance-and-resources/employment/information-about-workers-health/, published 31 August 2023, last updated 5 March 2024, read 14 October 2026.

This is the ICO's current guidance hub for processing workers' health data, confirmed live and current on the date read, with a note on the page that it "is under review and may be subject to change" following the Data (Use and Access) Act. It sets the two-part test used in step 6: an Article 6 lawful basis and an Article 9 special category condition are both needed because health information is special category data.

Where the skill departs: the hub covers many workplace scenarios beyond accident records, including sickness absence management and drug and alcohol testing, which belong to other HR processes and are not repeated here.

9. Information Commissioner's Office, "How do we handle sickness and injury records?"

https://ico.org.uk/for-organisations/uk-gdpr-guidance-and-resources/employment/information-about-workers-health/how-do-we-handle-sickness-and-injury-records/, read 14 October 2026.

This subpage is the direct source for step 6's lawful basis and security guidance. It states "you can likely rely on legitimate interests or legal obligation as your lawful basis" and that "it's unlikely that consent as a lawful basis" would suit these records. On security it requires that employers "take appropriate measures to keep sickness and injury records secure", giving the example of "keeping the sickness record in a specially protected computer file, perhaps using encryption", or a sealed envelope in a locked filing cabinet for paper records, and that sickness and injury records should, where possible, be kept apart from less sensitive absence information.

Where the skill departs: the page does not state a retention period for sickness or injury records, and this skill does not invent one; retention for the statutory accident record itself is taken from the Social Security (Claims and Payments) Regulations 1979 at source 5, not from this ICO page.

The best public prompt found

No skill in either the anthropics/knowledge-work-plugins or anthropics/skills repository attempts a UK workplace accident record or RIDDOR reportability decision. A listing of the operations category in anthropics/knowledge-work-plugins (`https://api.github.com/repos/anthropics/knowledge-work-plugins/contents/operations/skills`) shows a `compliance-tracking` skill, described as helping a user "track, prepare for, or document compliance activities" and producing audit checklists and evidence collection plans for frameworks such as SOC 2 and ISO 27001. Its repository star count, read from `https://api.github.com/repos/anthropics/knowledge-work-plugins` on 14 October 2026, was 29,622.

That skill's shape, a recurring record built against a named external framework with a review cadence, is the closest structural analogy found, but it is built for information-security compliance frameworks and has no concept of a specified injury, a statutory notification deadline, or special category health data. A wrong answer in a RIDDOR deadline risks a criminal reporting failure and a mishandled health record risks a data protection breach, neither of which a generic compliance tracker is built to carry, so its scaffolding was not reused beyond the general idea of a dated, categorised log feeding a review cycle.

Want this running in your business?

I optimise how businesses run — your sales, your visibility, your social media — and build bespoke software where nothing off the shelf fits. The first conversation is free. Work starts from £150 a day.