It is almost impossible to ascertain the cost of the industrial accident risk. We know that ance industry paid out 655,000,000 in 1994 for United Kingdom employers' liability losses. That is, cases where an employee succeeded in being awarded damages against an employer for personal injury or disease caused at work (or received a mutually agreed settlement figure from an insurer without resorting to litigation). On top of this there is the lost production and general economic waste which will have been associated with these incidents.