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.
Excess workers compensation insurance is tough for buyers, insurers. Excess workers comp insurance is a challenging line to underwrite because it guarantees the payment of catastrophic worker claims that can remain open for decades. But it's precisely for that reason that self-insured employers want to purchase the excess coverage from an insurer that will be around for decades to come, experts say.