In DRI’s For The Defense, Jonathan Toren of the Global Insurance Department is co-author of the article, “Retained Limits, Deductibles, and Self-Insurance.“ The last few years have been challenging for insurers and policyholders alike. As the economy has faltered and competitive pressures have increased, many companies have tried to restructure their insurance programs to reduce premium outlays. Insurers, meantime, have looked for ways to manage their limits more conservatively.
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