Insurance SIRs and Deductibles: Impact on Satisfaction of SIRs, Policy Limits, Duty to Defend and Additional Insureds

Advocating Coverage Positions From Perspectives of Insureds and Insurers in CGL, Professional Liability and Property Damage Policies

A live 90-minute CLE webinar with interactive Q&A

Wednesday, May 24, 2017
1:00pm-2:30pm EDT, 10:00am-11:30am PDT

Early Registration Discount Deadline, Friday, April 28, 2017

This CLE webinar will provide guidance to insurance counsel on the primary differences between self-insured retentions (SIRs) and deductibles. The panel will outline how the application of these two distinct risk retention vehicles impacts defense and/or coverage obligations of both insurers and policyholders.


With many companies seeking to control insurance costs by increasing SIRs and deductibles, counsel must consider the impact of these risk retention vehicles on coverage and other obligations of the parties.

SIRs present significant issues during claims settlement, such as whether the insured or its insurer controls settlement decisions. Litigation has ensued over an insurer’s obligations when the insolvent policyholder is unable to pay its SIR, particularly during recent years of business bankruptcies.

One hotly litigated topic is whether the insured must pay the SIR itself or whether it can satisfy it by applying payments made through “other insurance.” Whether the insurer’s duty to defend attaches prior to exhaustion of the SIR is also often contested by parties.

Listen as our authoritative panel of insurance counsel guides practitioners in navigating the impact of policy deductibles and SIRs on key coverage issues and obligations of the parties.


  1. Distinctions between SIRs/deductibles and impact on limits and defense costs
  2. Attachment of SIRs/deductibles
  3. Number of SIRs/deductibles and the potential for stacking
  4. Application of SIRs as “other insurance”
  5. Obligation to pay SIRs/deductibles; insureds vs. additional insureds
  6. Insolvent insured unable to satisfy SIRs
  7. Satisfaction of SIRs/deductibles through payments by other insurers


The panel will review these and other key issues:

  • How do the distinctions between SIRs and deductibles impact limits and defense costs?
  • Can a party other than the named insured satisfy the insured’s deductible or SIR obligation?
  • How do defense costs impact an insured’s deductible or SIR obligation?


Robert Friedman, Principal
Friedman, Palm Beach, Fla.

Mr. Friedman provides corporate insurance counseling to companies in Florida, the Caribbean, New York, and other U.S. and foreign jurisdictions. He also advised the State of Florida on insurance policy issues. He writes extensively about insurance coverage for many publications, including National Underwriter, Business Insurance, Risk & Insurance, South Florida Business Journal, and Harvard Law Record.

Timothy P. Kilgore, Senior Counsel
Jackson & Campbell, Washington, D.C.

Mr. Kilgore is a member of the firm’s Insurance Coverage Practice Group. He is experienced in defending clients and prosecuting claims for various actions, including design/construction actions, employment actions, ERISA actions, business tort claims, and disability benefit-related claims.

Verne A. Pedro, Esq.
Merlin Law Group, Red Bank, N.J.

Mr. Pedro's an insurance coverage attorney who represents and counsels clients in complex insurance coverage analysis, dispute resolution and litigation, across a broad range of products and issues, including allocation issues and contract wording issues. He handles matters spanning industries such financial lines, D&O claims, products liability, and transportation claims.

Live Webinar

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This webinar is eligible for at least 1.5 general CLE credits.

CLE credits are not available for PR.

*In KS, OH, PA, for more than 1 attendee on the connection you must contact Strafford CLE via email or call 1-800-926-7926 ext. 35 prior to the program for special instructions.


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Includes recorded streaming video of full program plus PDF handouts.

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*Only available for attorneys admitted for more than two years. For OH CLE credits, only programs recorded within the current calendar year are eligible - contact the CLE department for verification.

**NH attendees must self-determine if a program is eligible for credit and self-report their attendance.

CLE On-Demand Video $247.00
Available 48 hours after the live event

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AK, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, KY, ME, MN, MO, MT, ND, NJ, NM, NY, OR, PA, TN, TX, UT, VT, WA, WV, WY (Note: Some states restrict CLE eligibility based on the age of a program. Refer to our state CLE Map for additional information.)

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Live Webinar & Webinar Download $344.00

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Includes Special Savings of $250.00 (through 04/28/17)


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Early Registration
Discount Deadline
April 28, 2017
(5 days)

or call 1-800-926-7926

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Customer Reviews

The speakers addressed relevant issues relating to deductibles and SIRs and were knowledgeable on these subjects.

Laura Sands

Meagher & Geer

This program was very valuable because it focused on a little-discussed aspect of insurance.

John L. Tate

Stites & Harbison

I thought the content was substantive.

Debra Curcio Lister

Miller Thomson

The program topic was very timely.

Rita Barker

Wyche Burgess Freeman & Parham

I like the efficiency and affordability of Strafford’s events.

Jean Bates

Professonal Risk Management Services

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Insurance Law Advisory Board

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Greve Clifford Wengel & Paras

Tred Eyerly

Of Counsel

Damon Key Leong Kupchak Hastert

John D. Green


Farella Braun + Martel

Alan P. Jacobus


Law Offices of Alan Palmer Jacobus

William E. Kelley, Jr.


Drewry Simmons Vornehm

William O. Krekstein


Timoney Knox

Jay M. Levin


Reed Smith

Peter J. Mintzer


Selman Breitman

Barry S. Neuman


Whiteford Taylor Preston

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Clyde & Co.

Britton D. Weimer


Jones Satre & Weimer

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Hinshaw & Culbertson

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