Remember that accidents may kill a business. And for humanitarian and practical reasons, businesses are encouraged and even charged by law to create and maintain a work environment that is safe and healthy. These two should be protected for humanitarian reasons because an employer has the moral obligation to keep his workers safe and healthy, and for practical reason because hospitalization and litigation are costly, not to mention its being bad for the business.
Another reason why there should be a health and safety plan template is that a company has a moral and legal obligation to keep its workers healthy and safe and that failure to do so due to negligence or malicious intent is a ground for many legal actions that would cause the company to lose money from litigation and the business to fail or be disabled for a period of time. Thus, the template for an occupational health and safety plan should be necessarily complete to cover all known and foreseen hazards in a work.