ABSTRACT
The debate concerning responsibility for physical safety has wrongly neglected the topic of damage arrangements. 1 After all, the burden associated with threats must be borne by someone. Arguing from the perspective of damage clarifies matters, because damage is something tangible. It also adds a sense of urgency. Who is going to help foot the bill for safety and for any damage that occurs? What can we expect potential sources of damage to do and to contribute? What role can potential victims play? To what extent are citizens and businesses responsible in a private capacity, and where does government’s collective responsibility begin? Which other parties — for example insurers and lenders — might play a role?
