Workers comp insurance only pays Direct costs, which include medical bills, a percentage of lost wages, maybe some travel expenses and prescription cost's.  It does not cover the indirect costs. Some examples are:  Production suffers, people want to see what happened, want to help. There may be a need to clean up after an accident, this could shut an area of the building down temporally.  Lost worker, this one can get tricky.  Could need to train an new person, hire a temp or steal someone from another department. Quality suffers, customer relations suffer, sales has to work harder.  See where we are going?  This could go on and on. 

 Indirect cost are equal to three to fives times the cost of the original accident! Last year Our Company shelled out over $423,423.00 in workers comp cost's.  This is not what the insurance paid, this is what we the company paid.  Lets split the difference and go with four times that,  $1,693,692 that is our indirect cost.  Add that to the medical, $2,117,115.00.  Large amount of money spent for something so preventable.  

 Missing product: We had over 3225 packages missing with a price tag of $ 159,633.00   .  Now much like the workers comp example indirect cost's are at least three to fives times as much as the direct cost.  Repicks, overtime, customer satisfaction, sales and special trips to name a few.  Special trips run from $500 a day to over $1,300 per day!  And that's only mileage cost's for company,  those figures do not include the compensation for the driver. You can do the math........ Just imagine what we could be doing with that extra profit.  All the building projects that could be completed.  Imagine what type of salary increases would be possible.  Win Share????  It's in our best interest to control these cost the best we can.