Aggregate Limit

The most a policy pays for all claims during the policy period, added up — no matter how many times you file.

An aggregate limit is the total your policy will pay for all covered claims during the policy period, no matter how many claims you file. It’s the ceiling for the whole year, not just one loss.

General liability policies, for example, have both a per-occurrence limit (the most for any single claim) and a general aggregate (the most for everything combined). A busy claims year can quietly erode the aggregate, leaving less protection for the next loss before renewal.

For contractors and others who file multiple claims, a per-project aggregate endorsement resets the limit for each job, so one troubled project doesn’t drain the coverage available to all the others.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.