Harvesting loss data

Although a low frequency/high severity loss is the kind of event that keeps risk managers awake at night, it is the more mundane and frequent losses that happen dozens of times a year that keep them on their toes. So it is hardly surprising that most firms have focused their efforts to improve internal risk management on high frequency/low severity events, and on harvesting as much of this data as they can from business lines.

"The key benefit of internal data is that the information is already

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