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Visual contrast showing 'ACCIDENT (By Chance?)' crossed out, moving toward 'INCIDENT (Negligence/Action).' The image depicts a cracked screen with a broken clock on the left, and a silhouette of a person stopping an action next to misaligned gears on the right. Text reads: Accidents Never Happen: Understand the True Cause of Loss.

Accidents Never Happen

The Myth of the ‘Accident’ Over a long career investigating and researching thousands of loss incidents, the author states they have never encountered an actual

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