Self-Insured Retention vs Deductible 2026: How Each Structure Actually Works in Commercial Insurance
Self-insured retention (SIR) and a deductible look similar on a quote sheet but behave completely differently in a claim. This 2026 guide covers who pays first, who controls the defense, whether the payment erodes your policy limit, collateral and letter-of-credit requirements, cash-flow impact, premium effects, and which structure fits which company.
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