Your co$-$own a large$-$sized financial planning firm with $100$

employees. You have never instituted company$-$wide

accidental death and dismemberment policy worth $$1,000$ for

an employee who either dies or is maimed $($on or off the job$).$

This is a

risk.

High frequency, high severity

Low frequency, low severity

High frequency, low severity

Low frequency, high severity