OSHA doesn't really get into explaining the definition of near miss. But insurance company and safety experts mostly agree on one thing: that just because on one got hurt,  the concept of  "no-harm, no-foul" does not apply.  Instead, the thinking is that near misses represent a serious problem - and an opportunity.  A problem that they were allowed to happen, but an opportunity to learn from them and address the underlying problems. 

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