Mr. Green Teа utilizes its оwn delivery trucks tо deliver its ice creаm tо customers. Mr. Green Teа owns five delivery trucks, and has five employees that drive these trucks to deliver product to customers. The customer's order is unloaded at the customer's location using a hand cart, and carried through their premises and into their kitchen / freezer area. In the majority of situations, the delivery process goes smoothly. However, two or three times per year, a driver will accidently damage the customer's property while pushing the hand cart through their premises (something to the effect of = scraping a wall, damaging furniture, breaking glasses / plates, etc.) These scenarios are simply accidents, since they happen very infrequently; and they usually only cost around $250-$500 to repair or replace the customer's damaged property (very low severity). In the rare occasion this happens, Mr. Green Tea simply pays for these accidents out of its operating expenses. Which risk financing option is being utilized by Mr. Green Tea in this scenario?