Workers' Comp & Auto · Insurance Term
Combined Single Limit (CSL)
Definition
A combined single limit (CSL) is one dollar limit that covers bodily injury and property damage together for any one accident, instead of separate limits for each. It is common on commercial auto and liability policies.
In Plain English
Split limits divide coverage into parts, such as a per-person injury limit, a per-accident injury limit and a property damage limit. A CSL, for example $1,000,000, can be used for any mix of injuries and damage in one accident.
CSLs make it easier to meet contract requirements and to line up umbrella insurance above the auto policy. Many umbrellas require a minimum underlying limit, often stated as a CSL.
A CSL on commercial auto insurance works much like the each occurrence limit on general liability. Both cap what the policy pays per event.
Not sure how your policy handles this? Have us review it, or get a quote.
Example
Hypothetical: a maintenance van causes a crash that injures two people and damages a car. Total damages are $600,000, mostly for one person's injuries. A $1,000,000 CSL could cover it all, while a split-limit policy might cap that person's injury payment much lower.
Why It Matters for Texas Property Owners
Texas minimum auto liability limits are split limits of $30,000 per person and $60,000 per accident for injuries and $25,000 for property damage (30/60/25). Businesses commonly carry far more, often a $1,000,000 CSL, to meet contracts and umbrella requirements.
What to Watch For
- Check whether your auto policy uses split limits or a CSL.
- Compare your limit with contracts, leases and umbrella requirements.
- Ask what the umbrella requires as underlying limits.
- Review limits when you add vehicles or drivers.
Sources
Last updated October 14, 2026 · Primesure editorial team · How We Write