Duane warks for a heavy equlpment operator. Recently, the brakes falled on an excwator Duane was assigned to operate. Duane and a construction worker were Whilured when the excavator drove into a building on the site. This incident was heavily covered in the news and the company now faces fines and a downturn in bushess due to the smear on its reputation. These expenses are best described as examples of which of the following?

insurable expenses

direct costs

economic imperative for safety

indirect costs