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An organization can incur direct and indirect costs from workplace accidents. Direct costs are measurable, such as payments for medical care, repairs, or lost productivity. Indirect costs are less obvious but still generate expenses, like investigating the accident, paying employees who cannot work, or losing customers due to a damaged reputation. Proper insurance can offset some direct insured costs, but organizations still bear many indirect uninsured costs from employee injuries.
An organization can incur direct and indirect costs from workplace accidents. Direct costs are measurable, such as payments for medical care, repairs, or lost productivity. Indirect costs are less obvious but still generate expenses, like investigating the accident, paying employees who cannot work, or losing customers due to a damaged reputation. Proper insurance can offset some direct insured costs, but organizations still bear many indirect uninsured costs from employee injuries.
An organization can incur direct and indirect costs from workplace accidents. Direct costs are measurable, such as payments for medical care, repairs, or lost productivity. Indirect costs are less obvious but still generate expenses, like investigating the accident, paying employees who cannot work, or losing customers due to a damaged reputation. Proper insurance can offset some direct insured costs, but organizations still bear many indirect uninsured costs from employee injuries.
1. Identify the costs that organization may incur as a result.
2. Identify possible costs to an organization following an accident
in the workplace. 3. Identify eight other possible costs to an organization when an employee has been seriously injured in such an accident. Economic Reasons: The theory of costs of an accident can be closely associated with that of a floating iceberg.
• Direct costs : the measurable costs arising directly from an
accident. Direct insured costs. Direct uninsured costs.
• Indirect costs : those which arise indirectly as a consequence of the
event. Indirect insured costs. Indirect uninsured costs. Accidents Costs: INSURED Employer’s Liability and public Liability claims, Business Interruption, damage to buildings, Product Liability. plant and vehicles.
INDIRECT DIRECT
Accident cost
Sick pay, repairs,
Investigation costs, loss product lost or of goodwill. damaged. UNINSURED