Note:

This calculator helps determine the **total cost of an accident**, considering both direct and indirect expenses in **Indian Rupees (₹)**. Understanding these costs is essential because accidents not only lead to **immediate financial losses** but also have **long-term hidden impacts** that can be even more expensive.

What are Direct and Indirect Costs?

• Direct Costs: These are **immediate and visible expenses** after an accident, such as:
  • Medical treatment and hospitalization costs
  • Workers’ compensation claims
  • Property damage repairs or replacement
  • Legal fees and regulatory fines
  • Insurance premium increases
• Indirect Costs: These are **hidden, long-term expenses** that arise due to the accident’s impact, such as:
  • Lost productivity due to downtime
  • Training costs for new or replacement workers
  • Investigation and administrative expenses
  • Damage to company reputation
  • Reduced employee morale and efficiency

The **total cost of an accident** is the sum of **direct and indirect costs**. Indirect costs can often be **4-10 times higher** than direct costs, making workplace safety a critical priority.