Skaderater
Skaderater is a Danish term used in risk management and insurance to describe a framework or metric for rating potential damage or loss from hazards. The concept typically combines the likelihood of an incident with the severity of its consequences, producing a numerical score or a categorical grade such as low, medium, or high. It is used to help organizations prioritize safety measures, set insurance premiums, and allocate resources for loss prevention.
Methods and approaches vary, but common elements include a risk matrix that maps probability against consequence
Applications span multiple sectors, including manufacturing, construction, transportation, facilities management, and property insurance. A simple calculation
Limitations include dependence on the quality of data, subjectivity in judging probabilities and severities, and the