English to Polish Bus/Financial Insurance Fine Art Insurance

3 times in an article about insuring fine arts:
In theory, the larger the risk portfolio, the more stable the loss realisation.Therefore, the underwriters of such risks should be able to spread the financing of portfolio losses across every account within the portfolio, and still fund the Insurer’s costs, distribution fees, and profit. Should the portfolio fail to fund the full extent of the losses itself, the Insurer will call on it’s reserves to settle the indemnities which must be paid to claimants during that period.

As insurance transfers pure risks, one of it’s principles is that the Insured may never achieve a financial profit from the realisation of a loss. Thus, whatever the limit or sum assured listed in the insurance contract, the indemnity would only reinstate the original financial position of the party which had suffered the loss, less the premium which had been paid and any proportion of the risk which the Insured had retained.

Underwriters in this speciality class of insurance are the leading experts in determining the frequency and severity of an art damage, loss, or theft. Moreover, they may rely on the stable loss realisation which is produced by a large and diverse portfolio of risks, rather than a collection of several dozen pieces.