Usually the cheapest million dollars on the policy.

A single serious injury exhausts a $1M limit and the balance comes from the company.

One serious auto or injury claim exhausts a $1M primary limit, and municipal and HOA contracts often require more than that before you start.

A tree through an occupied structure exhausts a primary limit before the repair is even scoped.

Commercial lots and property management contracts routinely require limits above primary, and a bad ice event produces several claims at once.

Water damage inside a finished building escalates past a primary limit faster than almost any other landscape loss.

A serious highway accident runs past primary limits quickly, and trucking verdicts are among the largest there are.

Larger property management contracts routinely require limits above the primary policy.

Studios and networks routinely require limits well above a primary policy before they will contract.

Utility strike claims and the outages behind them exhaust primary limits quickly.

A liquor claim with a serious injury behind it runs past a primary limit quickly, and many landlords and licensing bodies ask for the excess anyway.

A serious assault or liquor claim runs past a primary limit quickly, and landlords and licensing bodies ask for the excess regardless.

Rotation contracts and municipal work routinely require limits above primary before you can be on the list.

Tanker losses combine bodily injury, property damage and remediation in a single event, which is how primary limits disappear.

Highway severity in refrigerated lanes is the same as any other long-haul operation.

An overturned livestock load closes a highway and produces claims from well beyond the vehicles involved.

Highway severity plus a high-value load is the combination that exhausts primary limits.

Severity does not scale down with the truck: a highway accident is a highway accident.

A straight truck in city traffic still produces serious injury claims.

Delivery contracts commonly require limits well above primary before you can start.

Construction contracts require limits above primary, and a raised bed into a power line is a catastrophic loss.

Municipal and commercial delivery contracts frequently require limits above primary.

Shippers and brokers at this level begin requiring limits above primary as a condition of the contract.

Trucking verdicts are among the largest there are, and a primary limit rarely survives a serious highway accident.

A negligent selection verdict follows a fatal accident, and those numbers do not fit inside a primary limit.

International contracts routinely specify limits above primary before they will award the work.

One incident produces as many claimants as there are seats, which is how a primary limit disappears in a single event.

A full vehicle produces many claimants from one event, which is how limits are exhausted.

Broker and authority contracts routinely require limits above primary before you can be credentialed.

City authority requirements and a serious passenger injury both push past primary limits.

A stretch carries ten people. One collision produces ten claimants against one limit.

A single rollover with standing passengers can exhaust a primary limit before the second lawyer has been retained.

The contract that made the business worth running names a limit, and the business without it does not get the contract.

A coach on the highway is fifty claimants at once. The federal band is where the obligation starts, not where a serious loss ends.

Vendor contracts and hospital affiliations routinely require limits above primary.

Larger vendorizations and school or facility affiliations push required limits above primary.

Commercial contracts require limits above primary, and a fall from height exhausts them.

Residential developers and general contractors require limits above primary before a crew starts.

Structural failure claims and the earth movement behind them exhaust primary limits quickly.

Commercial and property management contracts require limits above primary.

Fleet accounts and roadside contracts require limits above primary, and a highway incident exhausts them.

General contractors and property managers require limits above primary, and a fall claim exhausts them.

Commercial contracts require limits above primary, and a fire loss exhausts a primary limit without argument.

A water loss in a commercial building reaches numbers a primary limit does not cover.

A carbon monoxide injury is a bodily injury claim against completed work, and it does not stay inside a primary limit.

A fall from height or a fire in an occupied building exhausts a primary limit quickly.

Commercial contracts require limits above primary, and a structural failure exhausts a primary limit without argument.

A dropped load reaches numbers a primary limit was never sized for, and the contract usually names one.

A severed main or a trench fatality reaches numbers a primary limit was never sized for.

A water loss inside a finished commercial building runs past a primary limit quickly.

An injury to a member of the public in a lobby or a stairwell is not capped by anything in the primary limit.

A fall or a struck pedestrian exhausts a primary limit and the balance comes from the company.

A slip claim after installation, or a fire in an occupied building, moves past a primary limit.

A structural failure or a building fire is not a claim a primary limit was sized for.

A fire or water loss in a client's home reaches numbers a small primary limit does not.

A serious injury caused by a guard is a bodily injury claim with a plaintiff, a video and no natural ceiling.

A serious injury to a placed worker, or caused by one, moves past a primary limit.

A dram shop claim following a fatal crash is the largest single exposure a small store carries.

Only a handful of carriers quote $5M primary on tech E&O or cyber. Excess above both is how contract limits actually get met, and we place it constantly.

Enterprise DPAs and MSAs name limits your primary carrier may not sell. Excess above cyber and tech E&O is how the number on the contract gets onto the certificate.

Client MSAs name limits without asking what your carrier sells. Excess over the E&O and cyber is how the gap closes.

Client staffing agreements borrow their limit requirements from vendor templates, and excess is how a mid-size agency meets enterprise numbers.

Venue and production contracts specify limits above primary before you are allowed on site, and a failure above a crowd reaches them.

Larger productions specify limits above primary in the deal memo before they will engage the entity.

Landowner agreements and local authority licenses routinely specify limits above primary.

Arena and festival contracts specify limits well above what a club will ask for.

Venue agreements and municipal licenses specify limits above primary as a condition of the booking.

Hotels, arenas and producers write limits above primary into the vendor agreement before you load in.

Studio and network vendor agreements specify limits above primary as a condition of engagement.

A network, a streamer or a national brand will specify limits above primary in the agreement, and the umbrella is how those are met.

A network, a streamer or a national brand specifies limits above primary in the agreement, and an umbrella is how a small company meets them.

Fleet customers commonly require limits above $1,000,000, and a heavy truck crash exhausts primary limits quickly.

Some venues specify limits above a million before they will contract.

Venue agreements routinely require limits above primary before signing.

Facility agreements and national affiliations specify limits above primary.

Municipal permits and national governing bodies specify limits above primary.

Universities and school districts hosting camps specify limits above primary.

Sanctioning bodies and landowners specify limits well above primary.

Leases and franchise agreements specify limits above primary.

Landlords and franchisors specify limits above primary as a condition of the lease.

Municipal leases and franchise agreements specify limits above primary.

A ride incident reaches numbers no primary limit contemplates.

Landowners, resorts and parks specify limits well above primary.

An animal-related injury to a member of the public reaches numbers primary limits do not.

A primary limit is exhausted by one serious injury on a common stair.

A serious pool injury exhausts a primary limit and reaches the members.

An entity not named on the policy has no coverage to claim on.

One serious injury at an event or in a vehicle exhausts a primary limit on its own.

Most construction contracts require more than a primary limit.

A primary auto limit is exhausted by one injury accident, and delivery accidents involve other people’s cars and other people’s bodies.

Few markets write a high delivery limit primary, so the requirement is usually met by layering.

Many financing documents ask for more than one primary policy provides.

A single-vehicle injury involving a guest can pass a one million limit, and a venue that wrote five million into the agreement will hold you to it.

A strict-liability fall claim exhausts a $1M primary routinely, and GC requirements of $5M and above are ordinary here.

Useful where a contract names a limit above the primary.

The limit above the limit is what a serious contract actually asks for.