Insurers would rather have a client with one large loss rather than frequent losses. If a client had $75,000 in claims with one loss vs four claims totaling $75,000 claims, the underwriter would look at this risk very differently. Insurers look at severity of claims and frequency of claims, they are very adverse to risks having frequency issues. They can understand one large loss, often called a shock loss. Please answer the following, is this a frequency issue or severity issue or both or neither? Client has two claims over five years for total of $4,000 in claims: Client has a large property loss from lightening totaling $2mil in claims, it was there only loss in ten years. Client has 12 fender bender accidents over 3 years. Client has 14 workers comp claims for severe back injuries from lifting over 3 years. Insurers would rather have a client with one large loss rather than frequent losses. If a client had $75,000 in claims with one loss vs four claims totaling $75,000 claims, the underwriter would look at this risk very differently. Insurers look at severity of claims and frequency of claims, they are very adverse to risks having frequency issues. They can understand one large loss, often called a shock loss. Please answer the following, is this a frequency issue or severity issue or both or neither? Client has two claims over five years for total of $4,000 in claims: Client has a large property loss from lightening totaling $2mil in claims, it was there only loss in ten years. Client has 12 fender bender accidents over 3 years. Client has 14 workers comp claims for severe back injuries from lifting over 3 years