1. What is the probability of a loss if a company has 1,200 fleet vehicles, 1,000 employees, and five physical operational locations valued at $10,00,000 total? On average the company suffers 147 physical damage vehicle losses per year. On average there are 12 f2, 20 f1 and 1 f5 tornados that touch down in the state where the insured is located. The insured has never been struck by a tornado previously.