A safe contractor wins because he/she understands that safety affects the successful completion of the contract and adds to bottom-line profits. Insured losses, as well as the hidden costs of accidents, are significantly reduced, which also continues to add to the bottom line. The added bonus is a reduction in the contractor's workers' compensation, auto, and general liability premium rates charged by the firm's insurance carrier. The owner wins because his/her involvement helps promote quality workmanship, prevent third-party lawsuits, and reduce general liability and property damage claims that would otherwise inflate the overall costs of the contract.