the hazard of very large loss which is the result of a single cause, the hazard of large loss by reason of occurrence of a peril to which a very large number of insureds are subject. An example would be widespread loss due to a hurricane or tornado., üleujutuse, maavärina, orkaani, vulkaanipurske või muude loodusõnnetuste esinemise võimalikkus eksporditehinguga seotud välisriigis