August 2013 Intro Page

Dec Page

The article of the month deals with the self-insured retention (SIR). This is a concept that is widely used and often misunderstood by insureds, insurers, and some courts. While its use has been linked historically to programs using commercial umbrella policies, the SIR is currently used throughout the primary level of liability protection with qualified self-insurance programs, fronting, and other financial risk management techniques.

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