I'm not in insurance but I assume that it is the nature of pooled risk that there will be a million one-off cases (or N cases where N is the number of members i

I'm not in insurance but I assume that it is the nature of pooled risk that there will be a million one-off cases (or N cases where N is the number of members in the pool). Given that, is it possible or even desirable to make changes based on what happened to this specific insured business? Would the cost of that change, be it increased premiums or an outright refusal to insure, outweigh the cost of a smaller pool? I guess that's something for the AI to decide.