The Unforeseeable�..

Employees were sorting rubbish on a conveyor belt at a waste transfer station.  One member of staff picked up a house brick and threw it at a colleague.  The house brick struck the colleague on the forehead.  The employee who threw the brick asserted that his colleague jumped up to head the brick as it flew past him.  Unfortunately for their employer this explanation was not considered by the judge to be mitigating and so a hefty compensation claim ensued.

It is impossible to legislate for the silly things people do.  Accidents happen because of a momentary lapse of thought.  We�ve probably all done it.  I still remember cleaning a pair of scissors and running my finger along the blade and thinking the next second, as I watched the blood ooze �Why?!!� (The rest is unprintable).

We rely on our subconscious to automatically get things done every minute of the day.  And sometimes we get it wrong.  And accidents happen.

So we need to insure ourselves against the risks we all take.  Some impossible to foresee or guard against.  We need to insure ourselves because the totally unforeseen can, sadly, cost our businesses a lot of money.