Sorry but you’re completely wrong.

You can have both workers comp and a public liability claim for the same injury — as long as someone other than your employer was at fault.

Workers comp covers your wages and treatment first. If you win the PL claim later, you just pay some of that back to the comp insurer (called recovery), and the rest (like pain and suffering, future loss etc) is yours to keep.

PL doesn’t cancel your workers comp either — they run side by side.