What term describes an undesired event that may cause personal injury or property damage?

The term that describes an undesired event that may cause personal injury or property damage is "Accident." Accidents are typically unforeseen and unintentional occurrences that lead to negative outcomes, such as injuries to individuals or damage to property. This definition captures the essence of what an accident involves, which distinguishes it from other terms related to workplace safety.

In contrast, "Incident" can refer to any event, whether it results in harm or not, making it broader than the specific circumstance of an accident. "Disaster" usually denotes a catastrophic event that results in significant disruption or widespread damage, often on a larger scale than a typical accident. Meanwhile, "Hazard" refers to a potential source of harm or adverse effect, rather than an event that has already occurred. Thus, the selection of "Accident" specifically aligns with the description of an undesired event that leads to injury or damage.