The actual cost of risk loss includes direct loss cost and indirect loss cost caused by risk accidents. Direct loss cost refers to the actual economic cost that must be paid for property loss and personal injury after the risk accident; Indirect loss cost refers to the reduction of expenses or economic benefits paid after a risk accident, resulting in losses other than the property itself and losses of other related property and responsibilities. All kinds of expenses in the stem of the question belong to the extra cost loss, which is a direct loss cost.