1.1 Morals and money

Which of these is an uninsured cost of an incident?

• 1 A medical claim paid by insurance
• 2 A hospital bill paid by insurance
• 3 Repair of a damaged vehicle paid by insurance
• 4 Lost production and replacing a trained worker

A direct cost of an incident is one that is:

• 1 Hidden and hard to measure
• 2 Always paid by insurance
• 3 Caused by poor morale
• 4 The immediate result of the incident, such as treatment or repair

The ILO Declaration on Fundamental Principles and Rights at Work supports which argument for health and safety?

• 1 Moral
• 2 Commercial
• 3 Technical
• 4 Financial

Damage to the organisation's reputation after a serious incident is mainly part of which argument for managing health and safety?

• 1 The moral argument only
• 2 The financial argument
• 3 The argument about worker age
• 4 The argument about insurance premiums only

Which of these is an insured cost of an incident?

• 1 A hospital bill paid by an insurance policy
• 2 Time spent by managers on the investigation
• 3 Production lost while the line is stopped
• 4 Training a replacement worker

Which is normally the larger part of the total cost of an incident?

• 1 Uninsured costs
• 2 Costs that are always zero
• 3 Insured costs
• 4 The cost of the safety poster

An example of an indirect cost of an incident is:

• 1 Repair of the damaged machine
• 2 Overtime paid to catch up on lost work
• 3 Replacement of broken tools
• 4 Treatment of the injured worker

Which cost is a direct cost of an incident?

• 1 A fall in the organisation's reputation
• 2 Lower morale among the team
• 3 Lost future contracts
• 4 Repairing the damaged equipment

Pain, disability and grief for a worker's family are mostly used to support which argument?

• 1 The marketing argument
• 2 The financial argument
• 3 The moral argument
• 4 The legal argument

In the NEBOSH qualification, the word incident means an event that:

• 1 Causes a death only
• 2 Causes, or could cause, harm, injury, ill-health or damage
• 3 Causes a reportable injury only
• 4 Is always the fault of a worker

Which of these is an uninsured cost?

• 1 A doctor's bill paid by the insurer
• 2 Repair costs the insurer repays
• 3 Compensation paid by the insurer
• 4 Investigation time spent by managers

A manager says safety spending is a waste because no one was hurt last year. Which reply best uses the financial argument?

• 1 Insurance will repay every cost of any incident
• 2 Prevention avoids large uninsured costs such as lost production and lost contracts
• 3 Workers have a right to safe work, so the cost does not matter
• 4 The law forbids any spending on safety

Replacing and training a worker who is off sick after an incident is an example of:

• 1 An uninsured cost
• 2 A benefit of the incident
• 3 An insured cost
• 4 A cost that never arises

Which of these is a financial benefit of good health and safety management?

• 1 Fewer interruptions to production
• 2 Higher absence
• 3 More paperwork
• 4 More staff turnover

Which statement about the three arguments for health and safety is correct?

• 1 Only large organisations need the financial argument
• 2 Only the legal argument matters
• 3 Moral, financial and legal arguments can all be used together
• 4 The moral argument cancels the financial one