This is a can of ready-to-go dulce de leche, but Iâve always thought it was cool that you can pretty much make this yourself by simmering cans of sweetened condensed milk! Itâs nice if youâre stuck in Antarctica and need dulce de leche but canât find any in your local supermarket.
Using either simply to reduce premiums is foolish, and could prove to be very dangerous. A self-insured retention means that the insured carries a fixed amount of risk, including adjusting and legal expenses. The insurance policy, whether a primary or umbrella contract, is excess coverage above the SIR.
Both the original policy that is issued and any subsequent renewals of the policy must be retained in the policy record for the retention period specified in Regulation 152. 2. Yes. 11 NYCRR Â§243.3 prescribes the standards for the maintenance and reproduction of policy records. Facts: The inquirerâs company, ABC Services (âABCâ), is trying to determine the record retention period applicable to commercial lines insurance policies, particularly with respect to original and renewal policies.