What percentage of accidents most closely represents non-work-related incidents?

The choice of 90% as the percentage that most closely represents non-work-related incidents aligns with the statistical data that indicates the vast majority of accidents occur outside of an occupational setting. Most studies and reports show that the majority of accidents affecting individuals, whether they are injuries or fatalities, happen in everyday scenarios such as at home, during transportation, or in leisure activities, rather than in the workplace. Thus, it is reasonable to affirm that non-work-related accidents dominate the statistics, reflecting a significant percentage of all reported incidents.

Considering the other percentages presented, such as 20%, 10%, and 60%, these figures do not capture the breadth of accidents that occur outside of work scenarios, which supports the conclusion that a high percentage—such as 90%—is more representative of the actual distribution of accident types. This understanding is crucial for insurance professionals as it helps in risk assessment, policy development, and the identification of necessary safety measures.