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This is true about an expected loss, but it is not true about an unexpected loss.
An unexpected loss is the amount that a cautious manager might think could be lost to the risk in a very bad year, in excess of the expected loss amount that has been budgeted for, up to the maximum probable loss. It is not correct to say that an unexpected loss is very unlikely to occur, because an unexpected loss could occur.
An unexpected loss is the amount that a cautious manager might think could be lost to the risk in a very bad year, in excess of the expected loss amount that has been budgeted for, up to the maximum probable loss. The business should reserve this amount as capital.
An unexpected loss is the amount that a cautious manager might think could be lost to the risk in a very bad year, in excess of the expected loss amount that has been budgeted for, up to the maximum probable loss. Unexpected losses can be prepared for.