Event Risk Category	Cluster 1	Cluster 2	Cluster 3
Business Disruption and System Failures	13	19	0
Clients, Products & Business Practices	97	50	16
Damage to Physical Assets	3	2	1
Employment Practices and Workplace Safety	4	1	0
Execution, Delivery & Process Management	22	4	3
External Fraud	94	74	3
Internal Fraud	31	19	0