General Aggregate Limit
The maximum total amount an insurer will pay for all covered claims during a policy period, combining all occurrence payments under the general liability policy.
Overview
The General Aggregate Limit caps the total amount an insurer will pay for all CGL claims during the policy period (typically one year). While the Each Occurrence limit applies per incident, the General Aggregate applies across all incidents combined. A policy with a $1M Each Occurrence and $2M General Aggregate can pay up to $1M for any single claim, but no more than $2M total across all claims.
Why It Matters
If a vendor has already exhausted a significant portion of their General Aggregate through prior claims in the policy period, there may be insufficient coverage remaining for your projects. This is a hidden risk that does not appear on the certificate — the certificate shows the limit as originally issued, not the remaining available limit.
Per-Project Aggregate
For construction projects, require a Per-Project Aggregate endorsement. This dedicates the full aggregate limit to your specific project rather than sharing it across all of the vendor's jobs. Without it, claims on other projects can erode the coverage available for your project.
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