You are a risk manager in a manufacturing company

You are a risk manager in a manufacturing company. One of your key responsibilities is securing of property insurance coverage to provide protection against damage caused by "acts of God," such as earthquakes, hurricanes, floods, etc. You begin the process with exposure due diligence, which is focused on estimating the chances of a single "act of God" occurring in the course of the upcoming year, as well as the chances of two or more "acts of God" materializing (also in the course of the next year).
-Determine where you might be able to find valid data for this type of analysis.
-Justify the use of the concept of conditional probability in the context of your task—more specifically, discuss how you would use conditional probability in your exposure due diligence efforts. Support your discussion with relevant examples, research, and rationale.