Before revision: It may be used as a reason to deny any insurance on such URL Early work The early work on this subject dates back to 1919, in a study by Greenwood and Woods, who studied workers at a British munitions factory and found that accidents were unevenly distributed among workers, with a relatively small proportion of workers accounting for most of the accidents.Greenwood, M. and Woods, H.M. (1919) The incidence of industrial accidents upon individuals with special reference to multiple accidents.
After revision: It may be used as a reason to deny any insurance on such individuals.Insider information: How insurance companies measure risk Early work The early work on this subject dates back to 1919, in a study by Greenwood and Woods, who studied workers at a British munitions factory and found that accidents were unevenly distributed among workers, with a relatively small proportion of workers accounting for most of the accidents.Greenwood, M. and Woods, H.M. (1919) The incidence of industrial accidents upon individuals with special reference to multiple accidents.