Deductibles and self-insured retentions decide how much of every loss the organisation funds before insurance engages, and on large or frequent claims this becomes a serious cash-flow question rather than a footnote. A high retention can mean the business carries substantial defence and indemnity costs up front, sometimes for years, while waiting for cover to attach. For a senior executive, the treasury impact of the retention structure deserves the same scrutiny as the premium. The report explains how deductibles and SIRs work in your chosen jurisdiction and industry, their effect on claims funding and reserving, the interaction with excess-layer attachment, warning indicators of retention strain, indicative cash-flow ranges from published scenarios, and when to engage brokers, actuaries and coverage counsel.
Reference material for informed readers, not advice.
