Construction · Insurance Term
Per Project Aggregate
Definition
A per project aggregate is a liability policy feature that gives each construction project its own separate total limit, instead of making every job share one general aggregate. It keeps heavy claims on one project from using up the coverage needed for the others.
In Plain English
Most commercial general liability policies have a general aggregate limit: the most the policy will pay for most claims in one policy year, across everything you do. If you build or renovate several properties at once, one large claim on one site can eat into the limit that protects all the others.
A per project aggregate endorsement changes that. Each designated project gets its own aggregate, so claims on one project don't reduce the limit available for another. Owners, lenders and general contractors often ask for it in construction contracts.
It is the construction cousin of the per location aggregate, which does the same thing for fixed properties. It is different from a Wrap-Up Program, where one policy covers everyone working on a single project.
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Example
Hypothetical and simplified: a developer's liability policy has a $2 million general aggregate and two strip centers under construction. Without a per project aggregate, $1.5 million in claims from the first site could leave only $500,000 for the second. With the endorsement, each site would have its own $2 million aggregate, subject to the policy's wording.
What to Watch For
- Ask whether the endorsement applies to all projects automatically or only to projects listed on a schedule.
- Check whether a contract you are signing requires a per project aggregate, and confirm it is on the policy before work starts.
- Ask how completed operations claims are handled, since they may fall under a separate aggregate.
- Ask whether the policy places any overall cap on the combined project aggregates.
Last updated October 14, 2026 · Primesure editorial team · How We Write