Abstract The management of personal damage (at any level) arising from work is increasingly a critical issue. A fatality presents a sovereign risk to surviving family members and to people in particular roles in an organisation. Personal damage, as measured by Key Performance Indicators (KPIs) such as ‘Lost Time Injury Frequency Rate’ (LTIFR) can determine contractual relationships. As a consequence of these risks and a genuine management concern that people should not be damaged at work, the damage continues. Why is this? The problem, as always, is multi-factorial and so the solution is multi-factorial. This paper will attempt to present some of the author’s insight gained over 23 years of consulting and more than 4000 investigations. Copyright© This work is copyright and is the Intellectual Property of the Author. You may download, display, print and reproduce this material in unaltered form only for your personal, non-commercial use or use within your organisation. Apart from any use as permitted under the Copyright Act 1968, all other rights are reserved. Requests and inquiries concerning reproduction and rights should be addressed to The InterSafe Group, PO Box 7338, East Brisbane, Queensland, Australia, 4169.