What are the typical limits and aggregates in a CGL policy?

A standard CGL policy has multiple limits structured to provide layered protection. Each Occurrence Limit: the maximum for any single occurrence (e.g., $1 million). General Aggregate Limit: the maximum total payable in a policy period for premises and operations claims (e.g., $2 million). Products-Completed Operations Aggregate: a separate aggregate for products and completed operations claims (e.g., $2 million). Personal and Advertising Injury Limit: per offense, often equal to the occurrence limit. Damage to Premises Rented to You: typically $50,000-$100,000 for fire damage to premises the insured rents. Medical Payments Limit: typically $5,000-$10,000 per person. Understanding aggregates is critical — once exhausted, no more coverage is available in that policy period. Businesses with claim activity may want higher limits or additional umbrella coverage. Limit selection should reflect the insured's exposure, not just minimum requirements.