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Should CGL Deductibles or SIRS be Disclosed on Certificates of Insurance?

The ACORD 25 certificate of insurance has fields to show deductibles or self-insured retentions (SIRs) for excess and umbrella policies. However, there are no specific fields for this information for CGL policies. A recent court case indicates why failure to procure a “first-dollar” primary CGL policy or disclose an SIR could lead to problems.

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