THE ACCIDENT ICEBERG

        Insured Costs: Covering injury, ill health, damage.

        The Hidden Uninsured Costs:
        (8-36 times as much as insured costs)

         Product and material damage
         Plant and building damage
         Tool and equipment damage
         Legal costs
         Expenditure on emergency First-aid supplies
         Clearing site
         Production delays
         Overtime working
         Temporary labor
         Investigation time
         Supervisor’s time diverted
         Clerical efforts
         Fines
         Loss of expertise / experience