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Combined Limits Explained

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When a set of Client or Project Requirements allows the combining of Excess/Umbrella Liability limits with General Liability limits in order to meet a required limit, this will display as "Combined Limits: Allowed" on the compliance page for contracts with that set of requirements selected.

If this is not allowed, it will display as "Combined Limits: Not Allowed" on the compliance page.

Expand or collapse content How do I set up requirements to allow "combined limits"?

Within the General Liability section of requirements, check "Combined Limits Allowed".

Expand or collapse content How does it work? Which limits combine to satisfy the total?
  • General Liability (GL) Each Occurrence combines with Excess/Umbrella Liability (XS) Each Occurrence
  • General Liability (GL) General Aggregate combines with Excess/Umbrella Liability (XS) Aggregate. 


So how does this work? If combined limits are allowed, and GL Each Occurrence requirement is 5 million. XS Each Occurrence requirement is 1 million. The Each Occurrence total for what the company has is 6 million. Therefore, both the compliance run that compares the Company File to the Requirements and the OCR processing will determine that both the GL Each Occurrence and XS Each Occurrence are acceptable.

Expand or collapse content How can I tell if the set of requirements chosen allows "combined limits"?

Within the General Liability section of the compliance page, notice "Combined Limits Accepted".

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