brodidit for students
1.1 Morals and money
NEBOSH IGC · Health and safety management · 15 questions
Name: ____________________ Date: ____________
Which of these is an uninsured cost of an incident?
- A A medical claim paid by insurance
- B A hospital bill paid by insurance
- C Repair of a damaged vehicle paid by insurance
- D Lost production and replacing a trained worker
A direct cost of an incident is one that is:
- A Hidden and hard to measure
- B Always paid by insurance
- C Caused by poor morale
- D 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?
- A Moral
- B Commercial
- C Technical
- D Financial
Damage to the organisation's reputation after a serious incident is mainly part of which argument for managing health and safety?
- A The moral argument only
- B The financial argument
- C The argument about worker age
- D The argument about insurance premiums only
Which of these is an insured cost of an incident?
- A A hospital bill paid by an insurance policy
- B Time spent by managers on the investigation
- C Production lost while the line is stopped
- D Training a replacement worker
Which is normally the larger part of the total cost of an incident?
- A Uninsured costs
- B Costs that are always zero
- C Insured costs
- D The cost of the safety poster
An example of an indirect cost of an incident is:
- A Repair of the damaged machine
- B Overtime paid to catch up on lost work
- C Replacement of broken tools
- D Treatment of the injured worker
Which cost is a direct cost of an incident?
- A A fall in the organisation's reputation
- B Lower morale among the team
- C Lost future contracts
- D Repairing the damaged equipment
Pain, disability and grief for a worker's family are mostly used to support which argument?
- A The marketing argument
- B The financial argument
- C The moral argument
- D The legal argument
In the NEBOSH qualification, the word incident means an event that:
- A Causes a death only
- B Causes, or could cause, harm, injury, ill-health or damage
- C Causes a reportable injury only
- D Is always the fault of a worker
Which of these is an uninsured cost?
- A A doctor's bill paid by the insurer
- B Repair costs the insurer repays
- C Compensation paid by the insurer
- D 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?
- A Insurance will repay every cost of any incident
- B Prevention avoids large uninsured costs such as lost production and lost contracts
- C Workers have a right to safe work, so the cost does not matter
- D The law forbids any spending on safety
Replacing and training a worker who is off sick after an incident is an example of:
- A An uninsured cost
- B A benefit of the incident
- C An insured cost
- D A cost that never arises
Which of these is a financial benefit of good health and safety management?
- A Fewer interruptions to production
- B Higher absence
- C More paperwork
- D More staff turnover
Which statement about the three arguments for health and safety is correct?
- A Only large organisations need the financial argument
- B Only the legal argument matters
- C Moral, financial and legal arguments can all be used together
- D The moral argument cancels the financial one
Answer key
1. D, 2. D, 3. A, 4. B, 5. A, 6. A, 7. B, 8. D, 9. C, 10. B, 11. D, 12. B, 13. A, 14. A, 15. C
Lost production and replacement and training costs fall on the organisation and are usually larger than insured costs.
Direct costs follow immediately from the incident. Indirect costs are the knock-on effects.
It recognises a safe and healthy working environment as a right, which is a moral argument.
Lost contracts and a damaged name are financial costs, many of them uninsured.
Insured costs are those an insurance policy repays, such as medical bills or damage to property.
Uninsured costs are usually much larger than insured costs and are often missed.
Indirect costs are knock-on effects such as delays, lower morale and overtime.
Direct costs are the immediate result of the incident, such as treatment or repair.
The moral argument says no organisation should cause this kind of suffering.
NEBOSH follows ISO 45001, so a near miss with the potential to cause harm is also an incident.
Time spent on the investigation is carried by the organisation itself, so it is uninsured.
The financial argument compares the cost of prevention with the cost of incidents.
The organisation carries recruitment and training costs itself.
Fewer incidents means less lost production and lower costs.
The study tip is to use all three arguments when justifying an improvement.