Workplace safety remains a critical concern in Europe, with significant disparities in accident rates across countries. This study examines the impact of healthcare policies, workforce availability, and digital transformation on workplace accidents in Germany, Spain, France, and Italy. It explores how healthcare expenditure and regulatory enforcement influence accident rates in centralized versus decentralized healthcare systems. A quantitative analysis of workplace accident data, healthcare expenditure, and workforce distribution assesses correlations between healthcare investment and occupational safety. A SWOT analysis identifies key strengths and weaknesses in regulatory enforcement, funding, and digital adaptation. Findings indicate that Germany and France, with centralized and well-funded healthcare systems, report lower accident rates due to consistent safety regulations and higher healthcare investment. Conversely, Spain and Italy, characterized by decentralized healthcare models, experience higher accident rates due to underinvestment and regional disparities in regulatory enforcement. Gender disparities in workplace fatalities further highlight systemic safety gaps. Higher healthcare expenditure is associated with lower accident rates and improved workforce productivity, reinforcing the economic case for increased investment in occupational health. Digital transformation offers opportunities to enhance safety compliance, but Spain and Italy require further infrastructure investment and broader adoption of digital tools. The study underscores the importance of healthcare investment, robust safety regulations, and technological advancements in reducing workplace accidents. Policymakers should prioritize healthcare funding, workforce development, and digital innovation to enhance workplace safety. Future research should explore regional disparities and assess targeted safety interventions.