> If you are at a construction site and a chain breaks and a beam falls on you, despite the best efforts of engineers to design the chain to hoist that load and

> If you are at a construction site and a chain breaks and a beam falls on you, despite the best efforts of engineers to design the chain to hoist that load and the best practices of the foundry to forge the chain, that is an accident. I wouldn't count that as an accident. Walking under any suspended load is extremely dangerous and would be counted as a reportable incident on many work sites. Failing to prevent persons from walking under said load with appropriate barriers and warnings is a further issue. (moving to the US and walking past a construction site on a daily basis scares the hell out of me. Truly the Wild West.)