It is also true that accidents are not an inevitable consequence of working or driving. Employers, particularly in the construction sector, must redouble their efforts to ensure accidents do not happen. This is the best and most effective way of reducing claims. Allied to the proposed measures, we should also ensure health and safety legislation is updated to ensure there is a strong incentive for employers to maintain a safe place of work. Too often we adopt a one track approach to resolving difficult issues and fail to address the myriad of factors which cause a problem.