Aggregate Limit

Is the same as a cap. It is the total amount, regardless of the number of separate incidents, the insurance company will pay out for all claims during the term of your policy.

Example: Your policy has a $1,000,000 Aggregate. During the term of your policy, you have 3 claims that are awarded against you. $250,000 was awarded on one claim, $500,000 was awarded on the second claim and $300,000 was awarded on the third claim. Total amount awarded: $1,050,000. The insurance company would pay out a total of $1,000,000 (Aggregate max policy limit). You would be responsible for the balance of $50,000.

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