Per-occurrence limit vs Aggregate limit
A per-occurrence limit is the most your policy pays for a single claim. An aggregate limit is the most it pays in total across the whole policy period. Amazon's requirement of $1,000,000 per occurrence and in aggregate refers to both of these limits on the same policy.
Head to head.
Per-occurrence limit
Aggregate limit
What it caps
One claim or incident
All claims in the policy period
Example
$1M available for a single product claim
$1M available across all claims that year
Amazon requirement
$1,000,000 per occurrence
$1,000,000 in aggregate
Resets
Per claim
At each policy renewal
Which do you need?
Straight answer.
Marketplaces usually specify both, for example $1M per occurrence and $1M aggregate. Assureful policies can meet those limits with a compliant Certificate of Insurance.
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Questions
Common questions.
What does $1M per occurrence and $1M aggregate mean?+
Per occurrence is the most the policy pays for one claim ($1M). Aggregate is the most it pays in total over the policy period ($1M). Amazon requires both limits at $1,000,000.
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General information, not insurance advice. Sources: Amazon Seller Central: Commercial Liability Insurance, Insurance Information Institute. Reviewed 2026-07-01.