Why are losses that total under the excess threshold more common in the workplace?

The reasoning behind the selection of the first option lies in the nature of minor injuries in the workplace. These injuries, which are often considered less severe, tend to be more frequent due to their manageable nature. They can occur in everyday work activities without severe consequences, leading to a higher incidence of such minor injuries compared to more serious incidents.

While effective safety measures and the preventability of serious injuries play vital roles in reducing the number of significant incidents, they do not directly account for the frequency of injuries that fall below the excess threshold. Additionally, the option regarding a lesser number of workers engaged in risky tasks does not align with the reality that many minor injuries can occur across various job functions, even in ostensibly safe environments.

Thus, the prevalence of minor injuries being more common in the workplace is directly tied to their manageable nature and the fact that they can occur frequently without escalating to serious incidents.