A third-party contractor, a young man in the prime of his life with a wife and several minor children, is injured while unloading a piece of heavy equipment from the insured’s trailer. Initially, the injury appeared to be a straightforward back injury until the individual suffered a stroke while in the hospital. Now the claim is much more than a back injury. The fact that the contractor was in a restricted area and was not following procedure will not reduce the overall settlement value of the claim. The injured worker’s age and extent of his disability impact the settlement evaluation. What was thought to be a loss with a settlement value less than $1 million could potentially be valued in excess of $5 million.