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To understand the different ideas from different people..
By reviewin all operations within the organization, and follow actions where losses may occur then assign a monetary value for each action and probability of occurance.
For example, a working accident may result in injuries to workers or visitors, that will bare the organization which a possibility of law-suit, and the workers will take a sick leave. how much the organization will bare from this accident in total and how many times it may occur in a year is what you should look for.
the solutions would be, workers compensation plan as a risk financing, and safety procedures as a risk control method.
