意外责任险第 436 / 531 题
A general liability policy carries a $1,000,000 each-occurrence limit and a $2,000,000 general aggregate. The insurer pays $600,000, $500,000 and $400,000 on three separate premises claims in one policy year. How much general aggregate is left?
a.$1,000,000, because each occurrence resets it
b.$2,000,000, since premises claims do not erode it
c.$500,000 for the rest of the policy year
d.$0, because the three claims exhaust it
解析
Each claim is below the $1,000,000 each-occurrence cap, so all three are paid in full: 600,000 + 500,000 + 400,000 = $1,500,000. The general aggregate is the most the policy will pay for such losses in the policy year, so $2,000,000 − $1,500,000 leaves $500,000 for the remainder of the term. The each-occurrence limit caps a single loss and does not reset the aggregate, and premises and operations losses do erode the general aggregate.
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