Insurance Market Rate

There has been a long debate in the municipal government sector with regards to rising rates, increased deductibles and multiple exclusions. Many people have picked the post 9/11 period as the start of the increases and blame the terror attacks for the increase.

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Accident Rate

Human resource management is concerned with managing people at work and also directing their actions to maximize both the personal and organizational goals (Gupta, 2007). Each year the employers all round the world loose around $132.1 billions due to injuries of the employees at work and also about 130,000,000 man-hours from the missed work. In order to reduce these inflated costs and to uphold the production in the organization, reducing the injuries in the place of work has been an enduring and challenging field of concern for organization’s HR Department. These injuries may be caused as a result of any unsafe activity or act on part of employee or as a result of unsafe working conditions or defective plant or shop layout, inadequate ventilation, etc. (Mamoria & Gankar, 2002).

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