8. What is the loss ratio here:

Claims $35,000 Premium $183,400

Claims $1,890 Premium $12,340

Claims $150,678 Premium $67,000

Claims $1,200 Premium $800

Claims $5,498 Premium $85,000

_____________________________________________________________________________________________

9. Please indicate if the following is a frequency issue, severity issue, both or neither.

3 minor claims over 10 years.

1 major fire, 2 water damage claims, 1 pipe burst in 3 years.

1 bad auto accident in 4 years.

12 employees with severe back injuries in 2 years.

12 employees with finger cuts over 2 years.