Dr. Montabaum is a plastic surgeon that specializes in elect…

Dr. Mоntаbаum is а plastic surgeоn that specializes in elective facial recоnstruction surgeries. Dr. Montabaum is concerned that in the event she accidentally makes a mistake during a procedure, a patient will sue her for medical malpractice damages related to the botched surgery. In an effort to manage this risk, she decides to purchase a Medical Malpractice Insurance policy for a premium of $50,000: which will cover (most, but not the entire) cost of any lawsuits brought against her for accidental surgical errors.  Which cost of risk does the underlined portion of the above situation represent for Dr. Montabaum?