The combine calculations are. The formula to find the harmonic mean is given by. Where Underwriting Loss Ratio Claims paid Net loss reserves Net premium earned.
For each group.
Let G be the random variable that takes value 0 if the randomly selected number is from Group A and 1 if the randomly selected number is from Group B. For each group. X 1 x 2 x 3 x n. Txx sum of all Sx 2.