Classification of Work-related Accidents as the Basis of Analysis of Employer's Liability Risk and Insurance Decisions

Anna Jędrzychowska , Ilona Kwiecień

Abstract

Increased awareness of victims in the range of claiming and the growing value of those claims in the area of bodily injuries imply an increased risk of employer's liability for work-related accidents. This justifies the need for a more detailed analysis of the category of risk in the risk management process. In the present study, the authors analyse trends regarding the number of accidents in Poland and other countries. Against this background, data on accidents at work in Poland are classified using selected criteria. The object of classification is to verify the importance of some factors to the probability of occurrence and the severity of losses as main risk components. Considerations are based on statistical analysis (descriptive), and analysis of real data on accidents (including cluster analysis).