The costs of accidents

Insurance pays only the obvious costs of an accident. You pay the hidden costs out of your profits.

Hidden costs of loss are unrecognized costs such as losses in labor productivity, disrupted schedules, supervisory and administrative time, replacement of damaged material and equipment, loss of customers the list goes on and on.

Hidden costs typically run from four to seven times the insureds' direct cost. They include:

	Time lost from work by injured employee
	Economic loss to injured employee's family
	Lost time by fellow workers
	Loss of efficiency due to break-up of crew
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