We face liabilities in everyday life, and our experiences with them make us achieve lifelong learning. A liability is a hindrance that puts us at a disadvantage in every aspect of life. For example, lack of finance is a liability that prevents people from engaging in certain activities in life. When people experience liabilities, they learn or gather knowledge, and this is known as lifelong learning because it is an ongoing process. It is vital for people to protect themselves from liabilities, and there are various ways of achieving this. Avoidance of personal promises is one of the ways of protecting oneself from liabilities. When a person makes promises to another person, he is tied and cannot move on with other activities before fulfilling the promise. In such as case, he or she is identified as the liable party. Identification of a person who should be held liable if an event fails to occur also protects oneself from liability. In such as case, a third party must be involved when getting into an agreement with another person. In such a case, if the promised event fails to occur, only the person who was identified as liable will be pursued. In most situations, written agreements have helped protect people from liabilities. Written agreements stipulate or articulate clearly the procedures of handling a situation in case the occurrence of an event fails. Taking serious considerations before getting into an agreement is necessary. When a person considers the effects of an agreement, he or she will make the right decision of getting into the agreement or not. This is vital in protecting oneself from future liabilities. In an effort to protect themselves from liability, people always achieve lifelong learning. For instance, by avoiding personal promises, people gather the knowledge that making personal promises is not good as it could tie them and prevent them from participating in certain activities. Besides, in a bid to protect themselves from liability, people obtain the knowledge that it is important to involve third parties when getting into agreements with other people.
Heinrich’s Ratio Law articulates that in any given workplace, for any single occurrence of an accident that causes a major injury, there are 29 occurrences of accidents that cause minor injuries, and 300 accident occurrences that result in no injuries. He came up with the law after a critical review of the reports handed in by supervisors. In the reports, the supervisors blamed their workers for causing accidents at the workplace. Apparently, the supervisors made the conclusions without investigating the factors that led to the accidents hence; there are several criticisms of Heinrich’s law. Manuele argues that Heinrich is one of the individuals, who through making a proclamation that perilous acts are major factors that cause accidents, have done a disservice to the world. Besides, Manuele thinks that Heinrich’s ratio has harmed the safety of individuals because it bases safety measures on the fact that the failures of man cause most accidents, and thereafter, preventive efforts saw at the workplace are channeled towards the work instead of being aimed at the operational system of the work itself. In his criticism, Manuele thinks that Heinrich’s law is invalid because the causal factors for both major and minor accidents at the workplace are completely different.