Reinsurance often only applies to losses above a certain size.  For pricing, clients will often provide a large lost listing that consists of all losses among a certain amount.  Large losses often include some detail about the loss and today I reviewed a set of lost listings for a school board insurance policy.  When teachers screw up, the school board is inevitably sued and this creates some novel listings:

1) A teacher was sued for running an escort service out of the school with students as the workers.

2) A teacher was sued for convincing a physically handicapped kid to play dodgeball where upon he then had the crap knocked out of him as a handicapped kid playing dodgeball.