1.

Define accident

The term "accident" can be defined as an unplanned event that interrupts the

completion of an activity, and that may (or may not) include injury or property

damage

The cause of accident has been discussed and proposed by scholar in many

ways. Many models of accident causation have been proposed, ranging from

Heinrich's domino theory to the sophisticated Management Oversight and Risk

Tree (MORT). A simple model attempts to illustrate that the causes of any

accident can be grouped into five categories - task, material, environment,

personnel, and management

2. Elaborate the effect of accident cost in an organisation

Generally the accident cost can be divided into 2 main part;

a. Insured Costs

b. Uninsured Costs

Like an iceberg, insured cost is just the tip on the top while beneath it there are

bigger losses.

Insured cost may include

a. Employers Liability

b. Public Liability

c. Product Liability

d. Motor Vehicle

Uninsured cost may include

Product and material damage

a. Lost production time

b. Legal costs

c. Overtime & temporary labour

d. Investigation time/Administration

e. Supervisors time

f. Fines

g. Loss of expertise/experience

h. Loss of morale

i. Bad publicity