Risk and Actuarial

Catastrophe Loss
Large event-driven accumulation of claims that materially affects insurer results.
Combined Ratio
Underwriting performance measure comparing claim cost and expense to premium before investment income.
Expense Ratio
Share of premium consumed by commissions and underwriting or operating expense.
Frequency
How often claims occur within a defined exposure base and period.
Loss Ratio
Share of premium consumed by loss cost and related claim expense.
Risk
Insurance concept covering both uncertainty of loss and the exposure being evaluated for that loss.
Risk Management
Framework for identifying, controlling, retaining, or transferring loss exposures before claims occur.
Severity
Average financial size of claims once losses occur.