Les tenants et aboutissants des données du modèle des risques
Données historiques sur les sinistres
Evaluating an employer’s potential to be directly exposed to COVID-19:
1. Do we have employees located in or traveling to areas where there have been high rates of documented and diagnosed cases of COVID-19?
Intrants:
When should I start preparing for our D&O renewal?
Expositions au risque
Probabilités du risque
Couverture et primes d’assurance
Conditions externes
Coût total du risque = estimation des pertes retenues + les primes
Coût total catastrophique du risque = coût potentiel du risque catastrophique
Extrants:
Historical loss data
Risk exposures
Risk probabilities
Insurance coverage and premiums
External environment conditions
Inputs:
Total cost of risk =
estimate of retained losses +premiums