North Dakota Code § 26.1-13-18

Maximum amount of insurance on single risk
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The maximum amount of insurance which a county mutual insurance company may retain 
on a single risk other than under a liability insurance contract, after deduction of applicable 
reinsurance, may not exceed ten percent of the admitted assets of the company or thirty 
thousand dollars, whichever is the larger amount. The maximum amount of insurance which a 
county mutual insurance company may retain on a single risk under a liability insurance contract 
may not exceed one percent of the surplus maintained by the company.

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