Stress is a fundamental cause of industrial accidents. In this paper, stress is classified in 3 parts; life stress, job stress, workplace stress. Therefore, focused on married workers, it identifies major stress factors in each part of the stress and develops a Korean stress model (KSM) for small to medium sized industries which considers and improves the major stress factors of each part in order to prevent fundamental industrial accidents. It will also examine the relation between the type of stress and cultural ideology and the alteration of the type of stress. It conducted a survey of diverse subjects, namely public institutions, manufacturing companies, construction companies, and service companies. One of the important findings of this paper is that the death of a spouse is the highest stress-giving factor for employees of small to medium sized industries from the viewpoint of Korean culture. The next highest stress-giving factor was shown to be the death of parents. However, the analysis of difference in intensity of the response rate for stress between these factors was not significant. And, this cause and effect model by the Korean stress factors will provide decisive strategies and methods by eliminate a fundamental cause of industrial accidents.