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.
What is the required record retention period for insurance policies, and how does it apply to original policies as well as their renewals? Regulation 152 applies to insurance policies, as well as to other documents that comprise the âpolicy recordâ pursuant to 11 NYCRR Â§ 243.2(b)(1).