Ask which claims share the aggregate and whether related claims are combined. A per-claim limit and an aggregate limit answer different questions.
Illustration only: an annual S$1 million aggregate could be exhausted by several payments, even if no individual payment reaches S$1 million. Check the actual calculation and any reinstatement terms.
When renewing, keep the per-claim and aggregate amounts in separate comparison columns.
Sources
- AIG Singapore: Commercial General Liability policy wording
Pages 3, 6–9 and 18: contract, schedule, liability limits, defence costs, deductible and subrogation.
Reviewed 23 October 2026 · Source details