unacceptable consequences.
Effect on sports
and hobbies Extra Expenses
Continuing Effect on
disability family
Supervisor
Worry
Capacity
Morale
to
produce
Firm or Organization
Loss of earning
Loss of
income in Loss of
a form of morale
Inco me
tax
INSURED Medical (covering injury, ill health)
COSTS (1) Compensation
Building damage
Tool, equipment, material, product damage
Production delays and interruptions
Legal expenses
THE Expenditure on emergency first aid
HIDDEN supplies
UNINSURED Interim equipment rentals
COSTS Investigation time/clearing site
(8 – 36 Wages paid for time lost
as much as Costs hiring and/or training replacements
insured costs) Overtime working
Extra supervisor time
Loss of expertise/experience
Decreased output of injured worker upon
return
Loss of business and goodwill
THE HEINRICH
THEORY (USA-1931)
1 SERIOUS / FATAL
29 MINOR INJURIES
300 NON-INJURY
THE TYE/PEARSON
THEORY (UK-1974/75)
THE BIRD THEORY
(USA-1969) 1 SERIOUS / FATAL
MINOR INJURIES
3 (1 TO 3 DAYS MC)
1 SERIOUS / FATAL
50 FIRST-AID INJURIES
10 MINOR INJURIES
PROPERTY DAMAGE 80 PROPERTY DAMAGE
30
NON-INJURY / DAMAGE
600 NON-INJURY 400
MANAGEMENT
Through Supervision
Controls
MAN FAILURE
Knowledge, Attitude, Fitness, Ability
Which Causes or Permits